Monthly Archives: January 2017

How Seniors can Cope with Financial Stress

A little while back I received an email from a woman who had come across this blog and, specifically, had perused posts tagged with the word “retirement.” She wrote me that “a combination of my father being downsized in his 60s and my mother falling ill have combined to seriously affect their financial planning for retirement and has exacerbated their health problems. They have inspired me to write a guide for seniors and their families about the most common causes of financial stress, how it affects the person, and provide some coping strategies.” She provided a link to the guide she wrote and asked if I would consider posting it, along with an intro she wrote for it.

I said I would be glad to consider it and she wrote back with the following introduction, which I’m just pasting in, below. I’ve gone over the Guide she wrote and am providing her info here as a service to anyone considering or preparing for retirement, or for anyone who just might be interested in what to expect and, perhaps, how best to plan for one’s eventual exit from the workforce. What follows come from Ms. Jenny Holt.

PS – I will offer one observation. The site her link points to is called “Reverse Mortgage Alert”, which I have to admit raised a red flag for me. I’m not a fan of the concept, at least not as I’ve learned it is frequently practiced. However, after reading some of the info provided there, I do believe what they have to offer is useful information. They are not “pushing” reverse mortgages. Rather, they seem to be intent on providing useful information that anyone seeking to make a major investment move, especially with the home they’re living in, should take into account. If you have info that proves this wrong, I’d really appreciate hearing from you. Thanks.


With more limited access to financial services and often post-retirement, a money problem for seniors can be magnified more than for other age groups. While many have saved or invested in property and pensions, there are common causes of financial issues for the over 55s. These include:

  1. Job Loss/Reduction – 51%

  2. Healthcare – 29.5%

  3. Other – 21.6%

  4. Unpaid Taxes – 12.7%

  5. Divorce/separation – 8.2%

  6. Bankruptcy – 6.7%

  7. Foreclosure notices – 5.7%

The onset of stress can cause a range of emotional and physical problems which may exacerbate any health-related financial issues. These include insomnia, headaches, chest pains, anxiety, and depression.

However, it is more than possible to mitigate these issues. Of course, finding a solution to the financial problem in the first place is preferable. That being said, clearer and more focused decisions can be made with the right approach. Many seniors find stressful situations easier to cope with by combining a better diet with more exercise and meditation.

There is more to learn about this issue and more information can be found in the full Senior Financial Stress Coping Guide.


How I Became A Vampire

Nine years ago I had a nice chunk of flesh removed from my left lower back to remove a Melanoma. They also took a couple of lymph nodes from under my left arm and the left side of my groin. Tests all proved negative and, save for becoming a vampire, I’d put it mostly behind me.

This morning I went for my yearly dermatological exam and had to have another small chunk taken out of the middle of my back and sent for biopsy. So . . . I’ll know in a week or two if I have to undergo another surgery.

Compared to many people, including a number I know, my experience was a walk in the park. No chemo, no radiation, just scoop that shit right out of my body. I’d rather not have to do anything other than eat healthy and exercise, but if I have to go through this again, I’ll take heart from my past experience. Given what others have gone through, I refuse to call myself a cancer survivor. I was never sick and the entire episode took less than three months from discovery to excision.


The Regimental Repp and the POTUS

I seldom wear a tie any longer, but I used to wear them frequently and I have dozens still hanging in my closet. I learned a long time ago that the regimental repp stripe tie originated in England and there is a significant difference between English and American ties of this type.

Very briefly, the history of the designs harks back to when the British realized bright red uniforms were not the best way to engage on a battlefield and they changed to olive drab in order for their soldiers to be a wee tad less conspicuous. In order for the different regiments to distinguish themselves when in dress uniform, they each transferred their regimental colors to their ties.

There is a fundamental difference between ties from England and ties from America. In England, the stripe goes from the left shoulder, over the heart, and toward the right hip. In America they’re the exact opposite. There is a difference in meaning with the use of color as well, in that here in the U.S. the colors don’t mean anything. In England the colors signify either an element of the armed forces or a boarding/prep school.

Over the years I’ve been struck by the fact that our Presidents – at least the last three of them – most frequently wear English ties. This is also true of our PEEOTUS as well. Notably, the two Presidents prior to these four seldom wore regimental repp ties from England. I put the attached graphic together after looking through hundreds of photos of all six of them to illustrate this “discrepancy.”

Last Six Presidents

The Last Six (including the illegitimate one) Presidents

I have no idea why the change and I also have no idea why this is so. Perhaps American manufacturers are now making ties with the stripes going from the left shoulder, but I’ve seen nothing to convince me that’s the case.

I know this is trivial, but it’s been floating in the back of my mind for some time. I’ve found it a taste ironic these men go to great pains to wear American flag pins on their lapels, and I often wonder why they’re wearing ties the symbolism of which evokes merry old England. Where’s their patriotism?

More about these ties at http://bit.ly/2iuQ6nu


Apparently, God Loves California

Currently, the sun is shining brightly through my home office window, as we’re enjoying a short respite from the deluge we’ve been experiencing. Here in SoCal there hasn’t been quite as much moisture, but the central and northern portions of the state are getting hammered. The table below shows just how dramatically our fortunes have improved since a year ago and, particularly, in just the past week. There’s more rain in the forecast and we’ve still over two months to go in our traditional rainy season.

US Drought Monitor Table of Data

Drought Conditions in California Improve Dramatically

People like Pat Robertson, and others of his “deep” religious conviction are quick to claim “The Lord” is punishing us when bad things happen. Perhaps they should consider recognizing, if that is the case, then we must conclude God is now rewarding California for rejecting Marmalade Mussolini last November. Surely The Lord is even-handed in both punishing and rewarding us for our aberrant, as well as our compliant, behavior.

To appreciate just how much our conditions have changed, here’s a screenshot of the State’s major reservoirs. Note how many are near or above their historical average. This doesn’t translate directly into replenishment of our depleted water table but, with an increased snowpack and more precipitation on the way, we’re at least moving a long way toward normal conditions. I expect an awful lot of people are going to continue their water conservation efforts regardless of this reversal in our fortunes. Californians are recognizing how precious fresh water is, and how easily it can be hard to come by if we continue using it unwisely.

Reservoir Condition Changes

Less Than a Month Ago These Reservoirs Were All Below Their Historical Average

 


Closet Christians

This is the third blog post I ever wrote, published at The Cranky Curmudgeon on February 25, 2006. It reads pretty much like I could have written it today which, when you think about it, is pretty disappointing.


“But when you pray, go into your room, close the door and pray to your Father, who is unseen. Then your Father, who sees what is done in secret, will reward you.”

Matthew 6:6
(New International Version)

I don’t believe in God. I really don’t care if others agree with me. I only care that they respect the relationship I have with the Universe, whether it’s through a God, a group of Gods, or woven between the interstices of the space-time continuum contemplated by quantum physics. I believe that having convictions, and being secure in those convictions, means not needing to be validated by the acceptance of others.

John Lennon - Imagine

Somewhere in the (hopefully) not-too-distant future

I have a little difficulty calling myself an Atheist, only because I can’t prove the non-existence, anymore than anyone can prove the existence, of God. However, I don’t like referring to myself as an Agnostic, mostly because it sounds rather smarmy to me; like I’m not sure of what I believe. Mostly, I like to say I’m a Quantum Gestalt Humanist. You figure out what it means. I need to get to my rant.

How many times during the day, while driving to and from work, grocery shopping, dropping the kid(s) off at daycare or school, etc. do you see either those little fish (some plain; some with the greek letters for ichthus, or fish) or a window decal depicting a little girl or boy, or both, supplicating themselves in the shadow of a cross? What are these people trying to say? Is it meant to be some sort of secret code, so Christians can recognize each other across the lanes?

If you listen to some Christians whine and complain about how they’re persecuted, you’d have to believe this is their secret, vehicular handshake. These people actually think they’re persecuted. WTF? The United States of America is what, something like 90% Christian? They permeate every aspect of society and are represented overwhelmingly in all levels of our government. Christmas, the holiday many of them have taken to complaining is being phased out, effectively lasts for well over 10% of the year, the admonition to wait until after Thanksgiving before decorating notwithstanding.

I’ll tell you what I think it is. I think it’s the very thing Jesus was saying one shouldn’t do in the above quote found in Matthew. I think Jesus knew people whose faith was steadfast had no need to brandish it publicly, as though it were a badge of courage or strength. Indeed, I think those people who feel the necessity of advertising their religion are the least faithful of all.

I’m not exactly a religious scholar, but I think it was Paul of Tarsus who made proselytizing into a competitive sport. I don’t think Jesus would have approved. After all, he was Jewish and Judaism teaches that the most important thing one can do is live a “good” life, that is an ethical, righteous life. It is more important than liturgy or dogma and, therefore, it is one’s deeds, not one’s words by which we are judged. As a Jew, Jesus would not have found it necessary to convert people, or to preach to them. He was a teacher, not a preacher.

I think Paul felt guilty because he had persecuted and killed so many early Christians and, much like Charles Colson or numerous serial killers who, after lives of despicable and heinous acts, find and accept Jesus as their personal savior, he determined to make amends for the damage he had done. I’m not saying it’s a bad thing he repented; only that – like so many true believers – he swung that pendulum just as far in the other direction from where it had been and, therefore, avoided any kind of moderation in his pursuits.

In his book “The Wisdom of Insecurity”, Alan Watts discusses the difference between faith and belief. He posits that belief is rigid and unyielding, but faith is open and accepting. People who feel the need to wave their so-called religious convictions in our faces are believers. Faith is beyond their comprehension, because having faith requires an openness to things as they are, not as we wish them to be. These people, these cross-wavers – at least the worst of them – are certain they “know” exactly what truth is, and they are not shy in telling us where our faith leads if it isn’t in line with theirs.

I really don’t care what religion you are. I expect the same from you. Your religion, your belief, your faith are none of my damn business. However, the moment you start pushing your brand of soap as the only way to be clean, as the only way to live one’s life, as the only way to what you believe is the ultimate goal of our existence on this planet, then you’ve made your religion MY business. You open yourself up for criticism and you deserve every bit of scorn and anger dumped on your judgmental hide.