Saturday, May 16, 2009

Senior Fitness for Abs

While I try to accept my aging body, the post menopausal tummy, drives me crazy. I know I eat too much, but I'm going to try these ab exercises from FitnessDiet.Info. I actually like crunches, so I'll let you know if it works.


Friday, May 15, 2009

Should You Retirement?

To most people, retirement is mostly a question about money. Do I have enough financial resources to last the rest of my life?

Here are additional questions to think about.

What percentage of time do you love what you do?

What percentage of time do you love who you work with?

What percentage of time do you love when you work?


Can those questions be a criteria of when you should retire or look for another job?

Wednesday, May 13, 2009

Family Finances Part Two


As I mentioned in a previous post, we scheduled a family meeting to discuss money. Not everyone made it this year, but a process was started that I plan on continuing.

We have one daughter and one son. My husband and I try to split everything equally. Unfortunately, we made a bad decision (I think) by making them co-executors of our estate, should something happen to us simultaneously.

My husband was executor of his mother’s estate and there was a lot of paperwork to fill out and sign. He was in a different state than the attorney, so it was challenge. My children live in different states and I don’t think we’ve done them any favors by making them co-executors. We don’t have a resolution. I hoping they will discuss it and help us decide what to do.

My son brought up concerns about making the mortgage payment if we’re not around. I thought that was a good question, but couldn’t provide an answer. We’re going to discuss it with our financial person to find out the answer.

Every family I know struggles over family estates. I know of more than one family where siblings and parents stopped talking to each other over money. I don’t know if we can prevent that from happening. I glad we had a family meeting.

Thursday, May 7, 2009

Family Finances


Americans don’t like to talk about money or finances. There’s an attitude that it’s none of anyone else’s business. Which may be true, but money is a major factor in successful aging.

My mother is a very independent woman. I trait I appreciate, but also drives my brother, sister and I crazy. She is reticent to share her financial situation with us, which has made it difficult for us to help her. Now that she’s in her mid-eighties with memory issues it would be nice to be able to have a open dialog about her financial situation.

As my siblings and I continue to try to figure how to help my mother, my husband and I are discussing how we might avoid the same trap. While our children have a vague idea about our estate the plan has been to have a yearly meeting to let them know about our financial and estate situation. We’ve been intending to do this for over a year, but have failed to schedule a time to have the conversation.

I’ve decided Mother’s Day is the right time to have the call. While not the most sentimental of topics, it is for the benefit of all of us that we have the discussion.

My husband and I live in Southern California, daughter is in San Francisco and son is on the east coast. Everyone can call into Instant Conferencing # for free. They will have to pay any toll charges for the long distance call.

I’m still working on the agenda, but we want to let them know where financial information is kept. We have a trust, so we’ll answer any questions they might have about that. We’ll also let them know where our money and an overview of our financial situation. In addition, I’m hoping we can answer any questions they may have.

Aging and finances are intricately intertwined. Families should learn to work together for successful retirement living. Not everyone can have this conversation, but I’d like to hear how other families deal with finances and family as they get older.
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Tuesday, May 5, 2009

Quotes from Thomas Leonard





This comes from Andrea J. Lee's Blog


Here are your 5 snippets of wisdom about people for this week. We hope you’ll find them as useful and thought-provoking as always. They’re from the collection by Thomas Leonard, and assembled by his R&D team.

We hope you’ll enjoy!

· People have the capacity to create. They create their lives and opportunities each day of their lives.

· People most often criticize traits in others that they dislike about themselves.

· People play out issues from their families of origin in their present workplace situations.

· People suffer because they resist the present moment.

· People see the world not as it is, but as they are.

Thursday, April 30, 2009

About Retirement Guilt


Retirement is an interesting transition regardless of how it occurs. A couple rarely retires at the same time. Even if they do, there’s a shift that occurs. In our case, my husband retired in the fall and I continue to work from home.

Yesterday, he decided to work in the flower beds in the backyard. That had been my domain for years, but I just don’t have the time to keep it up. I felt guilty as I watched him lug bags of bark, pull weeds and clear winter clutter. At the same time, I wanted to control what he did and how things took shape. Plus, I wanted to be outside on the beautiful spring day.

In the end, I walked out once an hour for a five minute break. Then I would go back to the dungeon to work.

Tuesday, April 28, 2009

Spring In the Blue Ridge Moutains


I am disappointed in myself. I had hoped to post to this blog everyday while I was on the trip to western North Carolina. The three-hour time change and lack of WiFi made writing and posting more difficult than expected. So, here’s the recap of the week in the mountains.

Day 1. Took the redeye from Los Angeles to Atlanta, grabbed the rental car and was on the road by 7:00 am. We stopped for breakfast at a Waffle House. First time at a Waffle House, even though they are on almost every other corner in that part of the country. It was hardy and filling and the service was friendly.

I was born and raised in the west, so the opulent beauty of the southeast always astounds me. As we began the climb into the southern Blue Ridge Mountains, the lush beauty struck me. Even though the large deciduous trees were just beginning to leaf, the delicate Dogwoods were in bloom and wildflowers were popping up along the roadside.

We were staying in Sapphire, a small ski resort in Jackson County in southern North Carolina, which is an area known for its waterfalls. Although we had only dosed on the plane, we decided a hike was in order to see Glen Falls. We made it to the top third of the falls, but lack of sleep and being completely out of shape prevented us from descending the full 1.6 miles to the bottom. It was lovely and once again, we were revived and excited about the upcoming week.

Day 2. Today we headed for Ashville, home to the Biltmore, known as the ‘largest home in America.’ We didn’t visit the Biltmore, but wanted to spend the day taking in the rest of the town. It’s a city of about 70,000. We didn’t have an agenda, so decided to start from the visitor’s bureau, which was also the chamber of commerce. It was a wonderful building in the heart of town. They offered trolley site seeing tours, which we decided to take. The tour lasted an hour and half, but you could get off and on at the various stops. Our tour guide was a wonderful man named Kenneth, who had written books about the area. You could tell he was delighted in sharing the wealth of the history of the town.

We left the tour for a detour of the art district down by the river. Artists took up residence in the old abandon warehouses that dotted the wharf. We were only able to sample a small block that included potters, weavers, glassworks, woodworking and traditional paint on canvas artists. Everyone was friendly and delighted to stop and talk about his or her art. After a bite to eat at a small café, we hopped back on the trolley to finish the tour.

Ashville is a delightful town, combining a wonderful blend of old south and new world. The downtown had been renovating and we would have liked more time to look around.

Even though it was the longer way home, we decided to hop on the Blue Ridge Parkway. Built as a WPA project during the depression, the parkway stretches from Virginia to Tennessee. Having grown up in the mountains of Colorado, I am familiar with the hairpin curves as one rises and descends through the mountains. It was a delightful surprise to discover that once you get to the parkway, you actually stay on the ridge. One second you’re looking at the mountains and valleys to the north, the next to the ones on the south. Overlooks appear every quarter mile or so, allowing for better viewing of the panoramic landscape that stretches for miles in every direction.

At first, I was disappointed the trees had not sprouted their leaves yet. As we peered through the branches at the landscape beyond, it occurred to me that in a few weeks the leaves on the branches will make visibility impossible. There was a tradeoff. The hills were still brown, dotted with the occasional evergreen, but you could see clearly in every direction. Don’t get me wrong, it was a spectacular sight in any season. I can only imagine the bumper-to-bumper traffic that occurs at the peak of the fall colors.

Day 3 – We woke up to a gray and drizzly day. As is common on most of trips, we take a time to look at real estate. We were surprised at the development in the mountains area where we stayed. The little town of Highlands ten miles to the west boasted condominiums on the lake with a sales price of 900 thousand dollars. Way too rich for these Californians.

We decided to spend the day at a lower altitude with hopefully lower prices. We are interested in finding a new area to retire, but not necessarily a retirement community. The tour guide in Ashville recommended we visit Hendersonville, a small community to the south.

All the towns we passed through were charming. Hendersonville had a small downtown area that had been completely renovated. It boasted with planters filled with tulips and pansies in front of refurbished storefronts over a hundred years old.

We toured through some interesting new housing developments. We found an area just outside of town where the homes were clustered into one lever four-plexes. We liked the layout and design, but I was concerned about the lack of outdoor privacy.

One of the reasons we always look at homes when we travel is how it increases the knowledge of what we want. The more I struggle with keeping landscaping at our home in California, the more I’m interested in finding a place without yard work. I still love to be outside and would like outdoor privacy, however, it is nice to look at the different options available. With each tour, we learn more about what we want in a new home.

Day 4. The community center where we stayed provided an advertising rack for local businesses that cater to tourists. I looked through it our first day and was delighted to find a brochure for the John C Campbell Folk School. Established in 1925 as a way to preserve the music and culture of the people of the Appalachian region, the school draws instructors and students from all over the world to study and preserve folk art.

The school is nestled in a beautiful valley a few miles east of Murphy, North Carolina. Tucked in the hills of the southern Blue Ridge Mountains, the school rests among a grove of trees. The number of buildings for the school is actually larger than the town of Brasstown where it’s located.

We arrived in the late morning, took a tour of the museum that tells the story of the school and the people of the Appalachian Mountains. We were invited to visit classrooms and got to three before the lunch break. The classrooms were small with less than twelve people.

In a woodworking class, we were greeted by John surrounded by five students who were to learn how to make and play a flute. Many of the students had been to the school before and they welcomed us to the class. As they were shortly taking a break, John was more than eager to have new people in attendance as he leaned back in his chair to tell us the legend of the beginning of music.

We also visited a woodworking class where students were making a shaker bench from hand. When we passed through, they were forming the base of the seat. In the weaving class, a group of advanced students were working on tiny looms to create a sampler of patterns from the area.

We were disappointed we weren’t able to visit more classes before lunch, but were delighted to discover the school. We acquired a huge catalog of classes for 2009. They last for extended weekends to a full week. Many classes are centered on music, both making and playing instruments. If it could be considered folk art, they most likely have a class for it.

Day 5. It was a culture shock, to say the least, to go from the folk school to the Biltmore the next day. As we drove to Asheville, more trees were popping leaves, and wildflowers of every color dotted the roadside.

The Biltmore is touted as the largest home in the United States and it doesn’t disappoint. As one of the most visited homes in the country, it is all very organized as hundreds of people descend daily to view the house and surrounding estate.

Built at the turn of the twentieth century by George Vanderbilt, the Biltmore is a testament to the opulent wealth of the guided age. Guests receive a guidebook and are allowed to tour the estate at their own pace. Audio guides and special tours are also available for an additional charge.

While the house is impressive, it is definitely crowded, so I enjoyed to freedom to roam through the gardens and conservatory. We were a couple of weeks early for the azalea garden, although there were a few plants that were starting to bud. Instead, we feasted on hundreds of tulips that were in bloom.

The Biltmore is the primary draw to the western North Carolina Mountains and is certainly necessary for everyone’s list.

Day 6. We elected to take a tour for the day, which consisted of a bus ride to Bryson City and then the train ride into the Nantahala Gorge. I found it ironic that only a month before I had ridden the train with my grandchildren into the Grand Canyon.

We had driven every day since our arrival to the mountains, so it was nice to have a break and let someone else take charge. The train follows the banks of the Nantahala River. It’s a gentle ride through lush mountainsides. We could see rafters on the river below. Although, the rapids seemed tame, on a cool spring day, I wouldn’t want to fall into a stream of melted snow.

While I thought the scenery of the Great Smoky Mountain Railroad was prettier than the one leading to the Grand Canyon, there’s no comparison in destination. As we reached the end of the line, I asked when we’d be arriving at the gorge, only to find out we were already in it. No one has ever looked over the Grand Canyon and remarked, “Is that all there is?”


Day 7. It was our last day in the Blue Ridge Mountains of western North Carolina. Once again, we jump in the car. Today we stayed close to home, as we drove less than twenty miles to visit some of the numerous waterfalls that dot the area. Signage was a bit of a problem as we had to backtrack at one point, because the turnoff was missing a road sign. With that said, we saw five waterfalls, all within a short drive of where we were staying.

Cashiers Sliding Rock is a swimmers delight in summer as people can cascade down the rocks into a large pond. The Chatooga is also a destination for swimmers and fishermen in summer, but on this day we were alone. We ended the day at the impressive Whitewater Falls, the tallest falls in the eastern US.

The western North Carolina mountain area was some of the most beautiful county I’ve seen. It wasn’t the hillbilly land I expected. Huge homes, worth millions dot the hillsides, but much of the charm still of the area remains. Everyone we met was gracious and friendly. We were never treated as intruders, but always as guests in this distinctive and diversified area.