Y-12

20180417_072218As I am driving thru Oakridge, Tn – I see atomic symbols everywhere – so my interest is peaked.  Following signs to the Y-12 museum – I have to investigate what this unusual atomic symbol is with the name of Y-12.  I learn Y-12 is a national security complex tucked away and rarely heard and the small museum is a wealth of interest to a physicist and history buffs.

Y-12 itself is a National security complex with three primary national security missions that protect our country.  They maintain the US nuclear Stockpile, reduce global threats, and fuel the US Nuclear Navy.

The museum show cases instruments and stories of Radioactive history.  My favorite part of this museum is this newspaper article.  This is the site the Atomic Bomb was made!  For some reason… Manhattan Project, made me think the WW2 Bomb was made in NY, but nope, it was made here.

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A few more interesting pictures to share:

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A “Moon Box” manufacturered here at Y-12 that was used Moon lunar geological samples to Earth.

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Sample badges and ID for Y-12 workers, looks just like the badges I recall from Manhattan project workers, although these are just samples.

Interesting side trip for a Radioactive Geek Girl!

 

5 things I wish I knew before I went to Cuba

 

20180409_213740I knew you cannot use credit cards in Cuba, and they have cigars and rum, but I did not know….

 

  1. We were told we had to have a cultural tour booked or we would not even be allowed to step off the Cruise ship (or if we flew in – not step off the plane).  This is not true.  The threat is empty.  We saw several couple walk off the ship (they were Americans) they said they had nothing booked and were unconcerned and when we were back on the ship they said they had a wonderful day.

2.  Everyone in Cuba, LOVES Che Guevara!

 

ErnestoCheGuevara  was an Argentina Marxist Revolutionary, a doctor, an author, guerrilla leader and HERO in Cuba.  He was a major figure of the Cuban Revolution, his picture and vision has become a symbol of rebellion in Cuba and popular culture.

I saw two pictures of Fidel Castro, saw 1000 pictures of Che Guevara.

3.  Every person in Cuba (except politicians) make only $50 per month.  You could be a doctor or street dancer, it is the same salary.

4.  We had no idea how much to get in Cuba dollars, so we got $150, which was more than enough since there was not much to buy when on a tour.  We did buy rum, one cigar, a necklace at a local children’s center and could have bought typical tourist trap t-shirts and carvings and plastic items you could get at any tourist trap location, but we are past that type of vacation item. When your on a tour, you do not have an opportunity to buy much, but if your so inclined sharing a few dollars with the locals, would be wonderful, considering #3.

5.  The Cuban people are wonderful, we expected them to be angry with many things, including our President, but did not find that true.  I was not afraid even for a minute, and would not be even if we were wondering around town ourselves, it is a safe place.   We would go back in a heart beat, but first so many other choices to explore!

Bon Voyage

We are headed out to our 7 day Cuban Explorer with Holland America Cruise, on the Veendam.  We started in Fort Lauderdale, Florida then to Georgetown, Grand Cayman, to Cozumel, Quntana Roo Mexico, then Havana Cuba, back to Ft Lauderdale.   We choose this cruise specifically for the Cuba Experience and we are really are very excited to step foot in Cuba.   We did read in our paperwork, we had to book an excursion or we will not be allowed off the ship, and that is a recent change to the US requirements.   So we booked an 8hr – Best of Havana, and a night trip to the Tropicana Club.  While many might not ever even consider visiting Cuba, for us something about seeing what has been forbidden is a thrill.  This might be a short window of opportunity that we never get to experience again, but if we enjoy Cuba, and it is still possible a longer trip might be in our future as well.

This is our third cruise together as a couple, but Davids ~10th, I only started cruising when I met David, so my third cruise.   This is our second with Holland, where the population is significantly older, but then again our cruise with Celebrity was also an older group.  I guess most can afford to cruise when they are older and finally have the time, so the ships population is filled with motorized scooters, canes and stories of grand children.

When I checked online reviews of the Veendam, I see Excellent reviews, and that it is a small ship with a max capacity of 1350.  We will report back on what we experienced upon return.  I am sure I will drink a few Cuba Libras (Rum and Coke) during this trip, so I will try and report back daily on our adventure, or might forget a fact or two.

Cruise to Cuba

After weeks of looking for a trip that we could take together (no kids) during the time our youngest would be on spring break (and could go to his mothers) we finally found a cruise to Cozumel, Mexico – Grand Cayman  – and two days in Havana, Cuba.  It is a Holland America Cruise, smaller older ship.  But the cost total for seven days and a day before stay in Fort Lauderdale is under $2100.  We searched Travelzoo, Travelocity, Groupon, Cruise.com and finally found a trip that meets all our criteria.  Whew, a lot and I mean a lot of looking (months of looking) our deal was on Cruise.com, but cheaper directly thru the Holland America site (like $150 each cheaper).    Now just to dream and figure out excursions, hopefully loose a few pounds and buy a nice outfit.

Hoover Dam

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On the way to Hoover Dam, a quick stop at Lake Mead.

Going back a few weeks, we visited Hoover Dam.   We were already in Vegas, and David has never been and he wanted to see.   The downside, the elevators to the inside powerhouse were down, so we only were able to see the outside and the museum, which was amazing.  The upside of this day trip – a quick nap on the bus ride and beautiful sites, with education learning that fascinated me.  As a physicist, I love learning how things work, and the museum there had a lot of information on both the history of Hoover Dam and the science behind the design.  The quick summary, is there were two years of fertile farming, and then years of severe flooding in the surrounding areas, which lead to this (originally named Boulder Dam) project.  The Dam is a concrete arch gravity dam in the Black Canyon of the Colorado River, right on the boarder of Nevada and Arizona.  It was built during the great depression, which paid super low paying, very dangerous (112 deaths) jobs to those who were desperate and had nothing.   The water is taken into the towers, then down the narrowing funnels to the powerhouse, the water pressure turn the turbines, which make electricity.  There is a lot of past fighting over who gets what % of the energy, but I honestly ignored that portion and focused on the awe and science.

We bought the bus ride on Groupon, with Grand Canyon tour (below)  just two days before we left, and they picked us up at the hotel, took us to a depot, where we sat for about 20mins before leaving for our trip.  Since the Hoover Dam, Powerhouse tour was not available, they did refund us for that portion, and I would definitely recommend this tour.

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Below we are on the Mike O’Callaghan-Pat Tillman Memorial Bridge, which was built to help with traffic and to help with safety on the Dam drive over (to minimum traffic which helps maintain security).  Note each of those (which look like lego blocks are 6feet tall), it looks so small, but the size is almost unimaginable.

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Seeing the world with my husband, is my dream, and I am living it.  We don’t travel as much as we want, but we make it work, and I love looking back at these pictures and how happy we were and are.

Retirement seminar

So David and I went to a Retirement pitch dinner, where they try and upsell you on a product.  Honestly we know so little about the variety of retirement programs out there.  What we do know:  A Traditional IRA is a tax-deferred retirement account. You save your $ today and are taxed later when you withdraw the money.  A Roth IRA, is like and IRA where you don’t get a tax deductions for the $ contribution today, but later can withdraw the assets when you retire without paying taxes.    A 401k or 403b is an employer sponsored retirement program. Taxes aren’t paid until the money is withdrawn from the account.  Sometimes employers match these on a smaller amount.  A SEP, is a Single Employer Pension Plan, which really is a small business owner traditional IRAs (SEP-IRAs) set up for employees.  Do not put all your eggs in one basket and diversify as much as possible, save and save in as many different methods for retirement as possible.

But If I am going to retire early, I figure I need to know Everything and make best choices, saving money is good, but saving it smart is better. So this seminar did teach me some things.  What I learned:

  • On a Roth or 401k/403b, you can withdraw your money as soon as your 59.5years old, (before will cost you 10%) and have to start spending these (or be penalized 3%) by age 70.5.
  • 403b’s are more restrictive, but also can allow higher contributions.
  • An annuity can go up, down, or stay the same.
  • A fixed annuity can go up or stay fixed – this is what they were selling – so going to learn more on this and report back later.  It sounds fabulous, but things always do at free dinner seminars.  I plan on researching this subject and getting back to everyone.

What do we have as far as retirement plans and income- well we currently we have a huge diversification – I have a 403b, with a small match plan.  David has a 401k.   We are not 401 millionaires.   We both have retirement accounts – David has stocks, and mutual funds, and MESP accounts for the kids college, which he is still adding to.   I have two SEP accounts – one for each business I own – an education website, and a physics consulting group.  These were added to at the advice of my tax accountant, who told me send a certain amount of money to these each year to avoid taxes in the current year.  I have a small Roth IRA, and an IRA.   I have three MESP accounts for the kids, that a funded.  We have three rentals, which I bought one at the peak of the market and two at the downfall.  We have an investment property, that too this point has not generated any money.  I have two pensions (one fairly small), and two pensions from my ex-husband (which can be collected upon 6 years after we retire).  David has a pension.  We cannot collect on our pensions until 3 years after we retire (at 55 years old) but that would be at a low rate, and waiting would be smart.

So we are need to bulk up and figure out how to live for those years in between when we retire and we can collect on our retirement funds.  Another post in the future will detail our plans, even though these are in flux and well honestly we are not 100% sure.  I guess we will learn and figure it out as we go.