The Life-Is-Short Mindset, Retiring to Greece, Preparing for a Miles Devaluation, and More – Links

Spring Bridge with Pink Flowers - Spring

It’s interesting to see how people are reacting to the light at the end of the pandemic tunnel — some quality articles about retirement planning, your precious miles, the life-is-short mindset, and more.


Travel

What’s it like to retire and take off on a sailboat? – (Retirement Voices)

“ My advice to others in their retirement is to follow your passion and take a chance when the time is right. Don’t wait for the “perfect” time to follow your dreams because “perfect” never happens.”

A statement that rings true in the days of COVID.

Steps to get traveling in retirement right – (Real Simple)

Planning for a retirement filled with travel is half the fun. Here’s an article on how to do it right.

Are your miles about to be devalued? – (The Points Guy)

Unfortunately, you’re going to have to prepare for a devaluation. Now is not a good time to start hoarding miles. 

Have you been able to find a travel pillow that actually allows you to sleep on a plane? 2021 recommendations – (CNN)

I have had terrible luck finding the right travel pillow for international flights. Before my next long trip, I’m giving CNN’s top recommendation a try.


Retirement

Five retirement savings mistakes you’ll want to avoid – (Business Insider)

It’s hard to recover from a major mistake, so why not get it right the first time?

Greece Becoming a Prime Location for Ex-Pats – (In the Loop Travel)

Greece? Fantastic history, beautiful weather, and tremendous food…you could do worse.

Have you developed a life-is-short mindset? You’re not alone – (Bloomberg)

How could a year like 2020 not generate a change in mindset? Especially when the stock market increased the financial well-being of many pre-retirees.


Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    20 Retirement Mistakes, Chartering a Superyacht, and Ex-Pat Living in Cyprus – Links

    Stone Bridge Over Rocky Stream

    I see a vaccine in my near future and my mind continues to wander toward travel dreams. Has your mind been drifting toward travel as well? Here are some ideas.


    Travel

    Stanley Tucci: Searching for Italy – (CNN travel)

    If you love Italy as much as I do (or travel in general), you have to watch the new Stanley Tucci show – Searching for Italy. It’s the travel show we all need during COVID. The actor visits different parts of the country exploring Italian cuisine, meeting up with food producers, chefs, and restaurant owners. You’ll never look at cheese, ham, or spaghetti the same way again. You can catch it on Sundays at 9 pm ET on CNN.

    European bucket-list travel – (Conde Nast Traveler)

    It’s looking more and more likely that European travel will have to wait until next year if you want to enjoy the summer there. The good news is you’ll have a whole year to refine your itinerary. Here are some ideas.

    Expat living in Europe: Have you ever thought of Cyprus? – (International Living)

    “Surrounded by the azure waters of the Mediterranean Sea, Cyprus has been on important trade routes since ancient times. Over the last 6,000, years nearly every major empire has occupied it at one time or another. Most have left something behind…”

    Events to put on your calendar if you think weird is great – (The Insatiable Traveler)

    If America needs anything after a year of COVID, it’s a return of unusual events.

    So, you want to charter a superyacht. Here’s what it will cost you – (elite traveler)

    “Below Deck” is my reality-show, guilty pleasure. Combine travel and the inner workings of a small business and I’m sold. A highlight of each show is the “tip meeting” where the crew receives a gratuity left by the just-departed charter guest. Part of the show’s intrigue is to see if the crew was richly rewarded, or stiffed for their efforts. But how much are these guests paying for their charter? This article explains all of the costs involved with the charter of your dreams.  


    Retirement

    These 20 retirement mistakes may cost you millions – (Nasdaq)

    The most important tip in this article is that you have to monitor your progress. Too many investors develop a financial plan and then file it away in a drawer. If you’re pulling it out and blowing the dust off ten years later it might be too late to course-correct.


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Is It Too Soon to Travel? – Links

    Deep Snow Path Bridge

    In case you couldn’t tell, I’m eyeing up a return to travel soon. And apparently, everyone else is too. I have been reading article after article about vaccinations and travel planning, so I decided to share the best ones with you. Also, don’t skip my latest article on health insurance and travel. You may not be covered when traveling internationally, and that can be an expensive mistake. 


    Travel

    Vaccinated seniors are in full vacation planning mode – (The New York Times)

    “In the (Virtuoso) study, 83 percent of respondents over 77 said they were more ready to travel in 2021 than in 2020, and 95 percent of the same group said they would wait to travel until they received their vaccine…” Hmm, I think we’re going to see an explosion in travel this year.

    Does a roving European retirement make sense for you? – (International Living)

    Slow travel through Europe can give you the best of both worlds – live like a local while also experiencing multiple countries at a relaxed pace. Does splitting time between the U.S. and Europe sound ideal? Here’s how to plan your roving European retirement.

    Planning an epic retirement trip – (Conde Nast Traveler)

    There’s a light at the end of the tunnel, and after emerging from the pandemic, it might be the perfect time to plan a “no-holds-barred vacation.” What kind of epic trips do you have in mind?

    2021 travel trends– enthusiasm for travel is building – (Travelpulse)

    The latest Travel Technology Association’s survey outlines current travel trends. The results indicate travelers are ready to go on a trip, although outdoor destinations and driving will remain popular. 


    Retirement

    Does My Health Insurance Cover International Travel? – (PBF)

    Have you put much thought into whether you’re covered for medical mishaps on your next international trip? This article discusses the different scenarios you might encounter and what to do if you find you’re not covered. If you’re on Original Medicare, this article is extremely important because if you’re traveling internationally it does not cover you. 

    Saving for retirement in your 50’s – it’s not too late – (Bankrate)

    So, saving for retirement hasn’t been at the top of your to-do list, and you wake up to find yourself 50 and a little bit behind. No need to panic! Here’s a list of 6 things to get you in better retirement shape.


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Dreaming of International Retirement and Does Building a Linear City Make Any Sense at All? – Links

    Nothing more than solid travel and retirement articles this week. I’m fascinated with the concept of a linear city and wonder if it will ever even exist. Also, signing up for Medicare can be a huge headache, especially if you’re a traveler. My article this week explains how it will cover you when you’re on vacation out of state. 


    Travel

    A linear city? – (Architectural Digest)

    The 100-mile city has no cars, no streets, and no net carbon emissions. The project will begin in the first quarter of 2021, so it may be a while before visiting is a possibility, but I’ll be keeping an eye on the progress.

    Does your love of travel affect your decision to get a COVID vaccine? – (thePointsGuy)

    Travelers are ready to hit the road and a COVID vaccine is an important first step for many.

    Does the pandemic have you dreaming of an early retirement overseas? – (Forbes)

    As near-retirees ponder their options for retirement or early retirement, retiring overseas can be an attractive option. Here’s a list of ten alternatives spread out across the globe.

    You can now get a “home” office in your Airstream – (Yahoo)

    The pandemic is changing nearly every aspect of life, RVs included. The rapid adoption of technology has driven the work-from-anywhere trend, and manufacturers are adapting. Gone are the days of propping up a laptop on your, well, lap. The new Airstreams have the option of a small desk where you can “maintain a 40-hour workweek while also traveling the country.”


    Retirement

    Does My Health Insurance Cover Travel to Another State? – (PBF)

    This article could have gone under travel or retirement. If you’ve ever wondered – “Does my health insurance cover me when I’m in another state?” – this article is for you. It discusses the answer pre-65 and post-65. It may surprise you how Medicare works and what it doesn’t cover.


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Why You Have to Visit Naples, It Might Be Time to Rethink Your Rewards Credit Card, and More – Links

    Path bridge, snow, spanning a stream

    I’m going all travel links this week as there were plenty of interesting reads. I’m sure there are plenty of people ready to hit the road as soon as the pandemic eases. Until then, here are some articles to get you in the spirit.


    Travel

    What Will Travel Look Like in 2021? – (PBF)

    You can’t swing a stick around here without hitting someone’s 2021 prediction about travel – so I figured, why not give it a shot myself? An article about how to plan a vacation in 2021 and how you might approach it differently than in the past.

    Sure, you’ve done Italy, but have you done Naples? – (the Points Guy)

    It’s not the first place tourists think of when planning a trip to Italy, but if you want to get an authentic taste of Italian life, it’s an excellent place to start. It’s also a good base for seeing Pompeii and visiting picturesque Italian islands. And best of all, you can eat your way through the city’s many pizzerias with a smile on your face.

    Adventure, good for your well-being? – (A Luxury Travel Blog)

    “Summer vacations abroad may happen in a big way this year.” This statement might be wishful thinking if the current pace of vaccine distribution continues, but I’m keeping my fingers crossed for fall vacations.

    International travel’s return – what we know now – (CNN)

    Vaccines, quarantines, and mingling with strangers. When will international travel return, and what will it look like? Readers know I think it will come back quickly. This article spells out the procedures we may all have to endure until the world returns to normal. 

    Should you rethink your travel rewards card? – (Chriselliotts.com)

    It’s easy to become disgruntled with a travel rewards credit card when you’re unable to use many of the card’s perks, and your traveling has come to a halt. But don’t cut up your card without weighing the many cons and benefits first.


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    Adios 2020 – 5 Lessons, Best Travel Photos of the Year, and a Rollercoaster on a Cruise Ship? – Links

    Path bridge snow

    It’s the end of 2020, not what I was expecting when I rang in the New Year. My way of life changed dramatically for the worst in some ways, as traveling came to a halt and I grew a terrible beard. However, financially I’ve never looked better as the stock market soared and my spending dropped drastically. (It’s amazing how good your budget can look when you don’t go anywhere.) Unchanged, was my business, which didn’t miss a beat as I can work from anywhere with little adjustment. I realize this isn’t possible for everyone, and I feel very fortunate. Lastly, and most importantly, my health and that of my family is good.

    I’d prefer 2021 to be a bit more festive. I’m looking forward to some second-half of the year travel assuming vaccines go as planned. I have some canceled vacations I’d like to bring back to life and some family members I’d like to hug. That’s enough of my rambling…

    I hope everyone has a very happy New Year! 


    Retirement

    If you’re not following me on LinkedIn, now’s your chance! I’ve put together some new content and my intentions are to post daily (if I can keep it up) about planning for retirement and travel. I’ll attempt some humor along the way to try and keep it from being stuffy and just another financial planning lecture. Here’s my profile where you can connect. 

    5 Things We Learned About Retirement Planning and Travel in 2020 – (PBF)

    The old saying goes – “No sailor learned anything in calm seas.” Given 2020 was the equivalent of a hurricane, here are the most important lessons of the year.


    Travel

    Comprehensive article on how 2021 might look in terms of travel – (NY Times)

    The article goes in-depth into international travel, spending time on a cruise ship, traveling with children, business trips, and more. It will make you think about all the possible issues that might arise. It’s much more complex than get a vaccine – jump on a plane to Europe.

    Best travel photos of 2020 – (Worlds Nomads)

    Dreaming of travel in 2021? These travel photos of 2020 will get you in the right frame of mind.

    The newest cruise ship from Carnival – (Bloomberg)

    It may be a while, but at 1.5 times the size of Carnival’s next largest ship, it will be worth the wait. My guess is the Mardi Gras will be filled and collecting premium prices from cruisers within a year or two. Honestly, how do you pass up the chance to ride a roller coaster on the top of a cruise ship?


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    A First-Hand Account of Quarantining Caribbean Island Style, 7 Ways to Find Free Money, and More! – Links

    A stone Path Bridge in Central Park covered in snow

    If you find yourself with some free time this holiday season, there’s no better way to spend it than looking for some “Sidewalk Money”. Meb Faber walks you through seven ways you might be able to find some serious coin. While not as lucrative, I’ve included an additional half dozen articles that should be worth your time. I won’t be back with more links until after Christmas, so if you’re celebrating…Merry Christmas!


    New Graduates

    7 Financial Tips for College Grads in 2020 – (PBF)

    It’s the time of year for newly-minted college graduates. If you have one in your life, they may be wondering where to begin financially. Here’s an article highlighting seven tips that will benefit all graduates.


    Retirement

    Instead of drinking a fourth glass of egg nog this holiday season, consider spending an hour or two searching for “Sidewalk Money” – (Meb Faber)

    Meb presents 7 ways to find “free money”. Most take 15 minutes or less. What have you got to lose? I’ll tell you what you’ve got to lose – nothing!

    The pandemic is another reason to expect an earlier “retirement” then planned – (Forbes)

    Putting together a comprehensive financial plan with a retirement plan of 65 sounds like a fantastic idea. But what happens when a pandemic, ageism, or health issues smack you in the face and retirement comes sooner than expected? When planning it’s always a good idea to move your expected retirement age forward a few years to account for unpleasant surprises. It also puts you in a position to accept a generous early retirement package if it comes along.

    Lessons learned from three years of retirement – (CanIRetireYet?)

    “You won’t do it in retirement if you’re not doing it now.”


    Travel

    Want to quarantine on a Caribbean island? – (CondeNastTraveler)

    Here’s how to do it in a resort on the island of Grenada, at a hotel which…refers to quarantining there as “vacationing in place.” A hotel room in paradise is a fantastic place to quarantine – until it isn’t. 

    Trips you may want to book a year in advance – (ThePointsGuy)

    Safaris, French Polynesia, a cruise to Antarctica…all vacations you should consider planning a year in advance. My guess is that bucket-list travel will be in high demand once it is safe to travel again. You might want to prepare in advance, just make sure everything is fully refundable.


    Podcasts

    Top podcasts of 2020 compiled by The Idea Farm– (Spotify)

    If you’ve got some holiday downtime and you enjoy listening to podcasts about markets, investing, and general business ideas – this is the list for you!


    Your questions about planning for retirement and travel answered. Where to go? What to do? How to plan it? How to afford it?

    You’ll not only be signed up for my newsletter, but you’ll also get a PDF that shows you exactly what a comprehensive retirement plan for people who love to travel is all about. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    It’s Time to Fortify Your Travel Budget, How to Reduce Your Taxes in Retirement, and Otherworldly Landscapes – Links

    A brick pathbridge over a calm stream

    I’m highlighting the fact that travel will explode in the coming years, and with it, prices are sure to follow. Prepare your travel budget now so you can enjoy a seamless transition from cocooning in your home to exploring the world. 


    Retirement

    Your Travel Budget Is About to Implode – Here’s What to Do About It – (PBF)

    How does your retirement budget look? It might not look as good as you think, given the bottled-up demand for travel that will be unleashed when the pandemic eases.

    Retirees – reduce the tax hit – (CNBC)

    The right strategy in retirement can significantly decrease the taxes you pay.


    Travel

    26 Otherworldly Landscapes to Visit – (Conde Nast Traveller)

    You might not be able to visit anytime soon, but one can dream.

    VRBO Trend Report 2021 – (VRBO)

    An informative report  – this is what families are thinking about for 2021 travel. Hint: 82% of families already have travel plans for 2021. Now that’s pent-up demand!

    Round the world in style – (Luxury Travel Advisor)

    5 continents, 28 countries, 72 destinations. This is exactly what I need to forget 2020.

    Did COVID change travel permanently? – (CNN)

    A vaccine may open up the flood gates to bucket-list travel. New technology and ways of thinking about travel may change the experience for a long time; some things will be better, others not.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
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    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    10 Amazing Retirement Locations, My Podcast Debut, and Living the Hallmark Christmas Movie Experience – Links

    Leaf covered path bridge

    My mind is definitely wandering toward travel if these links are any indication. I think it’s the knowledge that winter is upon us up north and I will be seeing way more of the inside of my home. This dread coupled with the promise of a vaccine before too long has me thinking about the next trip. What I’ve been reading:


    Retirement

    Find out where you measure up when it comes to 401k savings – (U.S. News & World Report)

    If you reach $1 million in your 401k by the time you retire, you’ll be ahead of the pack by many multiples. Start saving aggressively, and increase the amount every year. If you can meet the 401k max, you’ll be in good shape.

     

    The top 10 countries to retire in – (Business Insider)

    Have you ever dreamed about retiring overseas? It’s never too early to start scoping out potential locations.


    Investments

    I had the privilege of joining Kyle Hill, CFP®, on his podcast – Personal Finance from the Hill-Top. We talk about the basics of stocks, bonds, diversification, and more.


    Travel

    It’s going to be a long winter – embrace it! – (The Washington Post)

    “Friluftsliv…translates to open-air living and exemplifies the tradition of making time outdoors part of daily life — whatever the season.” Take it from the Norwegians, because they know how to do cold. When you get tired of the indoors this winter, make the outdoors your friend.

    19 hotels you’ll want to book just for the bathtub – (The Points Guy)

    I haven’t take a bath in 40 years. Yes, I said it! I’m solidly in the shower camp, but I could change my mind if I had these views.

    Towns to visit in Pennsylvania if you want to feel as if you’ve been dropped into a Hallmark Christmas Movie – (Travel Awaits)

    This might not be the best year for a Hallmark Christmas Movie experience, but save this link somewhere special, and when travel conditions improve, you’ll have a Christmas destination mapped out.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.

    How Much Do You Need to Retire (and Travel), What Makes You Happy in Retirement, and Soup – Links

    Path bridge through the woods with leaves turning colors

    Now that Halloween and Election Day have passed, is it too early to put up the Christmas tree? The old stand-by of waiting until Thanksgiving is over doesn’t seem to make sense in 2020. 

    The most common question I hear from people who reach out to my firm is – “How much do I need to retire?” I walk you through the process for do-it-yourselfers who want a quick answer. Also included below, the best of what I’ve been reading on retirement, travel, and, yes, soup. 


    Retirement

    How Much Do I Need to Retire (and Travel Like Royalty)? – (PBF)

    I walk you through a quick-and-dirty way of coming up with your number, using readily available online retirement calculators. If you’ve ever asked yourself – “How much do I need to retire?”, this is the article for you. If you enjoy traveling, I also discuss why it’s crucial to incorporate travel expenses into your budget before and after retirement.

    Over 55? Your retirement is more uncertain than ever before – (Forbes)

    It’s a warm and fuzzy feeling when you have a well-developed comprehensive financial plan. That is until your age 65 retirement suddenly, and without your consent, is forced upon you a decade early. Moral: always plan for retirement conservatively, erring on the side of an earlier than expected retirement. You may not have to retire at 55, but it’s nice to be prepared if it’s forced upon you.

    What makes you happy in retirement according to financial advisors? – (U.S. News & World Report)

    No earth-shattering surprises here, but a good reminder that it’s a mix of financial and social factors that will make you happy in retirement. If you ignore either side, your happiness will likely suffer.


    Travel

    Holiday Travel Report – (ThePointsGuy)

    Are you traveling for the holidays? Mix a little Mad Max with ER. Ok, it’s probably not going to be that bad, but I have to imagine stress will be elevated even more than usual, and everyone will be concerned about health.

    Financial Independence / Abbreviated Retirement – (New York Pilot)

    Think mini-retirement coupled with life-changing adventure. I believe we’re going to see a huge spike in this once the coronavirus is under control. We are all learning the valuable lesson of not waiting to do things you love. Do it now; you might not have a second chance.


    Soup

    26 soup ideas for the upcoming winter from around the world – (MSN)

    It’s that time of year! Are you ready to get your soup on! If you’re looking for ideas, here are 26 recipes to keep you warm.


    If you’d like to subscribe to my newsletter, you can do so below. You’ll also get a PDF that shows you exactly what a comprehensive retirement plan for travelers looks like. Thanks for reading!

     

     
     
  • *Privacy policy: your email address is safe, and you will never receive SPAM.

     

    Financial Advisor David Tuzzolino

    David Tuzzolino, CFA, CFP®, is the Founder and CEO of PathBridge Financial, a firm that specializes in providing comprehensive financial planning and investment management services for clients that are nearing retirement and love to travel.