WDC5 days after we arrived in Washington DC I boarded a plane that would begin the all-day-long process of returning us to our home in Palm Springs, California. My feet hurt; I don’t mean they ached a little, I mean they really, really hurt along with my hips, legs and lower back. Never in my life did I think I would welcome back-to-back 3 hour long plane flights interrupted by a 4 hour layover but the whirlwind pace of the previous days trying to cram as much of the United States Capital into what proved to be too little time did not provide many opportunities for rest. A full day of forced occupation of an undersized coach seat seemed like a pretty good idea right about the time the pilot kicked our A-320 into takeoff mode.

Pretty much, I’ve always believed its hard work having fun. Our recent trip to Washington DC to visit the United States’ District of Columbia with its iconic buildings, memorials and monuments did nothing to change my opinion. Right near the top of my list of travel commandments, a concept I stole from the Boy Scouts, to “be prepared”, constantly rang true in my sub-conscious mind as we moved from awe-inducing monuments to breathtaking buildings amid priceless artwork and architectural marvels. I thought I was, prepared that is, but I really wasn’t. I did lots of homework or so it seemed. I laid out my priorities ahead of time. I read the guide books; interviewed others that had made similar trips; searched online and reviewed TripBucket Dreams. And then reality reared its ugly head – I learned the hard way that it is an impossibility to see, do, experience all there is in Washington DC in a few days. Walk with me as I try to relate:

MinervaDCThat first morning in DC we were scheduled to tour the Library of Congress, previously arranged by our freshman Congressperson, Dr. Raul Ruiz. We set the alarm for 6:00 a.m so as not to be late. Since we did not yet have our bearings and certainly didn’t want to be tardy we hailed a cab outside our hotel and trusted that our driver knew exactly where to let us out. Only as we attempted to clear security (just like in an airport, belt removal and all) did we learn we were in the wrong building; our tour was to assemble in the foyer of the Thomas Jefferson Building (one of 3 Library of Congress buildings) across the street. We hightailed it there just in time to embark on an introduction to the world’s largest repository of knowledge and creativity encompassing more than 150 million items. A couple of hours later our guide bid us adieu after exposing us to countless treasures such as the Giant Bible of Mainz, the voluminous collection of Thomas Jefferson, an original Guttenberg Bible and the eye-popping glass, gold-leaf and marble mosaic of Minerva.

We then made our way by foot to the US Capitol Visitor Center where we found a cafeteria for a quick bite before we queued up for our pre-arranged tour (also courtesy of our Congressperson). Our incredibly engaging and knowledgeable guide introduced us to myriad treasures housed in the same building that hosts the U.S. Senate and House of Representatives as we made our way up and down staircases, navigated long hallways and stood in amazement in cavernous rooms that housed uncountable treasures, including the incredible ceiling fresco, The Apotheosis of George Washington, painstakingly created by an Italian artist at the height of 180 feet above the rotunda floor. Sensory overload was starting to take hold and we were only to mid-afternoon of our first full day.

Our legs were already starting to remind us of our membership in the Society of Baby Boomers as we toured the nearby National Gallery of Art encapsulated by 2 separate buildings that provides exposure to a bit of everything in this grand museum and sculpture garden. The West Building features more traditional art (the Old Masters and the newly renovated 19th-century French Galleries), while the East Building focuses on more modern and contemporary art (Calder, Dubuffet,Rodin, Dugas, etc.). In this same area along the National Mall the Museum of Natural History and the National Museum of American History are found along with the National Archives.

Since our legs were now startBryceDCing to wobble we grabbed a cab back to our hotel, fortified our clothing for the potential of a chilly evening outdoors, then left our hotel to find the nearest Metro Station where we purchased two $20 FareCards (arranging this online before your visit can save you $1 each trip; so we learned) – the $20 investment for each of our cards covered us for the rest of our visit. We then jumped on the Blue Line train to Navy Yard station, headed to Nationals Park to watch the Washington Nationals play baseball against the Cincinnati Reds from our previously purchased club level seats right behind home plate. The burgers and beer were good; the view of the Potomac River too from the expansive lounge area just behind our seating section. We were treated to a great game by baseball lovers’ standards (a 1-0 pitching duel including a triple by up and coming Nats star Bryce Harper that presaged the game’s lone run). We also lucked into a nice seat neighbor (a local) who gave us lots of pointers about different museums and the what, where, when and how to see things. He told us about a Washington Post Weekend section on Fridays that I discovered later can also be accessed online. This proved to be invaluable information for the rest of our trip highlighting current exhibits, operating hours and admission policies. After the game everyone headed for the center field exit that herded folks back to the Metro station. The first cars were far too crowded but minutes behind was a “special” train that accommodated us. After a few blocks hiking from the Metro station back to our hotel we collapsed in utter exhaustion.

The next morning allowed us to exercise our new found talent for riding the Metro and flashing our FareCards like Washingtonians. Off we went to Arlington National Cemetery to viBrainHairDC (1)ew the the Tomb of the Unknowns, the Changing of the Guard and the burial sites of President John F. Kennedy with its eternal flame, President William Howard Taft, Maj. Walter Reed and boxer Joe Louis among the other historic figures interred there. We also were able to locate the gravesite of my Uncle Neal, a captain in the US Navy, buried at Arlington National Cemetery along with his son. Interestingly, my uncle’s site is very near the monument that marks the grave of the father of baseball– Abner Doubleday. We walked up and down the hills that make up this massive plot of land donated to the US Government by General Robert E. Lee and then back to the Metro station where we rode back into the area of the National Mall. From LincolnCloseDCthere we visited Hirshhorn Museum and Sculpture Garden followed National Museum of the American Indian and the National Air and Space Museum – then we walked some more, to Union Station for a previously arranged Moonlight Monument Tour. Before embarking on the trolley based guided excursion we enjoyed drinks and an appetizer dinner at the bar inside Union Station. Our trolley boarded at 7. Over the next 3 hours we visited the US Capitol building (glows brilliantly at night), the Washington Memorial (currently closed for repairs), the Lincoln Memorial, the Korean War Memorial, the Martin Luther King Jr. Memorial, the Marine Corps Memorial sometimes called the Iwo Jima Monument with the sculptured image of soldiers raising the US Flag at Iwo Jima honoring all US Marines who died in service; then we drove by Jefferson Memorial on into Georgetown with views of the city lights from bridges and overpasses before making a pass by the White House. As we curled up under the blankets that night I don’t believe I could feel my feet at all.

Protein bars and coffee in our room was all there was time for the next morning before we were off to queue up at the United States Holocaust Memorial Museum. We arrived online to score a ticket to the main exhibit at 10:45. Since the museum doesn’t open until 10 those arriving after us had ever later appointments to tour – thanks again to a tip from our seatmate at the National’s game. The museum honors the victims of one of mankind’s worst atrocities. Opened in 1993, it is one of the city’s most popular tourist destinations. We learned about the Holocaust through artifacts, testimonials and interactive exhibits that detail the lives of children who lived through it, the rise of the Nazi Party and the Nuremberg trials. After the Holocaust Museum we somberly headed off in a light drizzle past the Reflecting Pool that fronts the Lincoln Memorial brimming with baby geese and ducks toward the Vietnam Veterans Memorial where the name of every serviceperson that died as a direct result of their tour of duty in Vietnam is inscribed; all 58,178 (plus 93 added since the wall was erected) of them. While certainly a national tragedy and a worthy memorial to those brave service personnel the ghastly thought of 58,000+ deaths somehow pales in comparison to the loss of life during the Holocaust that is thought to be more than 11 Million Jews, Romas, Russians, Disabled people, Homosexuals and other unfortunate individuals, including Millions of children, killed only because of their heritage, personal challenges or orientation.

After spendBluMoonDCing time at the Vietnam Vets Memorial and visiting the nearby National World War II Memorial we walked to the White House (our escorted tour was cancelled due to the Sequester) in the rain past a number of other significant buildings. We viewed the North and South entrances of the home of the US President in a steady drizzle and then found ourselves at the bar of the Old Ebbitt Grill (since 1856) nursing a couple of cold beers while watching the world go by one umbrella at a time. It seemed like the right thing to do.

The next morning found us enjoying the breakfast buffet at the Westin City Center since my traveling companion refused to take another step as a tourist without some formidable nutrition having existed primarily on Clif Bars and room-made coffee to this point because I didn’t want to waste time in restaurants, apparently. In any event, our focus for that morning, the National Geographic Museum, didn’t open until 10:00 am so we enjoyed the waffles, omelets, yogurt and fruit that found temporary homes on our soon to be cleaned plates. We paid the $11 admission fee and were then treated to exhibits about Pirates and “the” Birds of Paradise which highlighted the work of two individuals who documented all 39 species of the exotic birds living in New Guinea and virtually nowhere else. Although well worth the $22 for our entry tickets this was the only venue for which there was any charge for entrance (save the baseball game). Our afternoon was spent touring nearby Georgetown with its quaint shops, beautiful parks and famous university. My dogs were barking as we ready ourselves for bed on that last night.

 


I suffer horribly from a condition I like to call “Menu Envy”. I’ll admit that sometimes I am too quick to decide what I want to order in a restaurant and almost without exception determine that one of my fellow diner’s plated food looks much better than my own once the wait staff hands over the chef’s creations. More than a few times I’ve sat picking over my seared Ahi salad while my dinner partner devoured a generous helping of Honey Glazed Chilean Sea Bass, sopping up the last of the delectable curry coconut sauce with fresh sourdough rolls while I try to pretend that the arugula that was served as a bed for my sushi was incredible, adorned only with a little soy sauce. Sometimes, the same thing happens when I compare my bucket list with those of my friends and family. I start to get insecure about some of the items on my list when I hear about places and things that my brethren think are worthy goals. I mean, why did I settle for just having Visit Canada on my bucket list when I could have spiced it up with specific goals, like Skiing at Whistler or touring the Top 10 National Parks?

TBFlagOne of the really fantastic things about what I think is one of the greatest travel oriented websites, TripBucket is that you can easily see how many of your fellow Dreamers have a particular destination or achievement on their lists and how many have actually checked specific dreams off. In a section of the website that is nested under the Find a Dream menu you can drill down to Most Popular Dreams. There, you’ll find just how many Users have a dream that interests you on their bucket list and comments about the experiences in quick order are right there as well.

For instance, the Dream to Explore the Grand Canyon National Park in Arizona is included on more than 700 individual bucket lists AND has been checked off over 2,600 times. Over 870 folks have Explore Yosemite National Park on their to-do lists and almost as many want to watch lava flow down the face of an active volcano at Hawaii’s Volcanoes National Park, yet, only 117 have See an Active Volcano on their list. Go figure. I find myself wondering if they know it’s a 2 for 1 special?. I’ve been to Yellowstone National Park on a snowmobile trip that included multiple sightings of Moose, Elk,Buffalo and Big Horn Sheep. It puts a smile on my face to see that 625 other Users want to tromp around the Old Faithful geyser’s home. A sort of validation for me of previous actions, I presume. It’s also interesting to see that more than 2,300 have been there and done that. And, since this adventure is another that is securely placed on my list it’s reassuring to note that almost 900 Dreamers want to head to Alaska to Explore Glacier Bay National Preserve.

It’s surprising to me to find that less than 30 Users want to surf the legendary waves of Hawaii’s North Shore while almost 70 thrill seekers want to take their lives in hand on a Jet Boat Ride between narrow canyons in New Zealand. 300 Dreamers hope to one day navigate the canals of Venice, Italy while nearly the identical number wish to tour Rome’s Colosseum; perhaps in the same trip. I have a visit to Jordan logged into my list of goals in hopes of one day seeing the Rose-Red City that is carved from rock at Petra. Almost 240 others also have this on their bucket list. 265 Dreamers want to go to Paris while slightly more hope to one day Swim with a Whale Shark (but they won’t be doing that in France). 170, or so, hope to one day hoist a mug of frosty cold beer in Munich at Oktoberfest. 470 want to see the Inca estate at Machu Picchu while only about 1/3 of that number want to walk the Inca Trail; the rest will take a bus, I suppose.

While I think it would be cool to learn Japanese, it’s not on my list but it is on the list of 8 other User’s. 29 Dreamers say they want to Lose 20 Pounds but why do I suspect that number should be higher? But, 75 folks say they want to Dive with a Great White Shark – really? Apparently there is only 1 thrill seeker wanting to surf with man-eaters in the ocean off Shipstern Bluff in Tasmania, yet, almost 300 folks want to paddle along with Dolphins in the Wild. Now that I know there is nothing to fear, I added the dream to Dive with Manta Rays off the Kona Coast of Hawaii along with more than 90 others longing for the experience.

Like the selections in a gourmet all-you-can-eat buffet, the more than 7,000 Dreams in the TripBucket inventory beg for discretion and serious investigation before loading up your plate. Right now there are in excess of 324,000 entries on all the registered user’s lists that are either checked off as completed or still need to be fulfilled. While you are building your bucket list it might just make sense to take a look at some of the trips, self-fulfillment goals and experiences that are included on the lists of your fellow Dreamers.

Pass the Soy Sauce, please?


I had CNBC on my SIRIUS radio yesterday evening while I was on my way to a meeting. I heard Speaker of the House of Representatives John Boehner use the term “Silly” in response to a question from an interviewer as he was describing some of the reactions various government officials have had toward the reality of the SEQUESTER that kicked in on March 1. Specifically, he was referring to a rumor that citizen tours of the White House were going to be canceled as a “cost cutting” move. Since I was looking forward to a trip to our Nation’s Capitol this spring and had arranged just such a tour my interest was piqued.

I remember the day this past January when I first tried to schedule the tour with our newly elected Congressperson, Raul Ruiz’ office. The schedulers were extremely excited and motivated to make our dream of touring the White House a reality. I surmised that they were so new on the job this was still a shiny penny among their daily duties to be able to do something positive for a constituent. Enthusiastic emails followed in the days after my request with details and requests for personal information in order to complete our security check.

This morning, my email included the following gem:

Dear 36th District Constituents,

Late Tuesday evening, our office received an email from the White House Visitors Office regarding tours. As you might already know, the email contained bad news for our office, but more importantly you the constituent. In an email sent to members of Congress, the White House said:

ATTN Interested Parties,

Due to staffing reductions resulting from sequestration, we regret to inform you that White House Tours will be canceled effective Saturday, March 9, 2013 until further notice. Unfortunately, we will not be able to reschedule affected tours.
We very much regret having to take this action, particularly during the popular Spring touring season. For updates regarding this situation, please contact the White House Visitors Office 24 Hour Hotline at (202) 456-7041.

Sincerely,
White House Visitors Office

As I previously stated, this news is very unfortunate. The White House has not offered any other additional information regarding the tours but you can be sure I will inform you of any new developments.

We don’t want this news to ruin your trip to Washington D.C. The District has many incredible sites and tours, and we will be more than happy to request any additional tours. For example, The Capitol Visitors Center offers a great tour of the history of the U.S. Capitol building and our office provides you and your group passes to the House Gallery. Our office is here to make this trip memorable, please let us help you. If you have any further questions or concerns, please contact me.

On behalf of Congressman Ruiz, we hope that your group enjoys their visit to our Nation’s Capital.

Enrique Gutierrez
Staff Assistant
The Honorable Raul Ruiz, M.D. (CA-36)
1319 Longworth HOB | P: (202) 225-5330
http://www.ruiz.house.gov

Now, I sit in wonder if this isn’t just some mean trick by a group of politicians hoping to get their own way or an entirely plausible way for the government to save Billions of Dollars that are required by the sequester legislation? I also wonder why I haven’t heard about the lawmakers taking across the board salary cuts and jettisoning their limos and other perks in the interest of belt-tightening; things that if put into reality would hardly be noticed by us “constituents” but would, no doubt, far outpace canceling White House Tours in the money-saving department. Nope, letting bad guys out of prison and canceling White House Tours for the very people who pay the light bill seems to be the answer.  I suspect it will get more headlines than some of the other stuff.

We’ll have a good time anyway. We are going to see the Washington Nationals play baseball.


CBS’ 60 Minutes labasted the credit reporting industry on Sunday evening citing an FTC investigation that revealed that upwards of 20% of Americans had “errors” in their credit reports and that 10% had errors that were so serious as to have a dramatic effect on their credit scores.  Credit reports are engrained into the financial culture of our lives at a level where even the smallest errors could cause increases in the cost of many products ranging from life insurance to auto and home loans.  Because I am in the real estate lending industry I’ve seen thousands of credit reports as a necessary part of the loan process I am able to provide a testimonial that a lower credit score can have a dramatic impact on the cost of borrowing home mortgage money.  In fact, if you consider a hypothetical 30 year fixed rate loan for $300,000 and compare the interest rate that would be offered to a qualified borrower with a credit score in excess of 740 as compared to one provided to a borrower with a 639 credit score you will find that the borrower with the lower score would pay $137.66 more per month or an extra $50,000 over the 30 year life of the loan. Layering into that equation the reality that the low credit score borrower’s homeowner and auto insurance policies would command higher premiums its easy to understand why it’s vitally important to know, manage and protect that credit score.  For Boomers entering the phase of their financial lives where every dollar commands an increasing amount of respect, having control over the information in their credit reports takes on even greater importance.

There is a fundamental difference between a Credit Report and a Credit Score.  While consumers are allowed to obtain a free copy of their credit reports annually from all 3 of the primary repositories of credit information those complimentary reports do not include the “predictive” score that lenders and underwriters use in their pricing calculations.  When a consumer logs on to the website, www.annualcreditreport.com , the option is available to obtain at no cost the raw data that exists in the files that each of the credit bureaus maintains for every potential borrower.   However, if the consumer is motivated to find out just exactly what their “score” might be they are directed to the sites of the individual repositories where there are any number of options available for obtaining that score, all of which require the payment of an upfront fee and often times the hard sell to subscribe to a recommended service.  The only other option for knowing a credit score is to request that information from a lender or insurance company that may have recently obtained a credit report on a customer’s behalf.  The exact formula for determining an individual’s score is a closely guarded secret in the industry and one that is changeable based on the performance of the entire database but certain general rules separating good from bad credit scores are typically well-known such as making sure all payments are made on time, the level of outstanding balances on revolving credit accounts is low relative to the available credit amount and there is an absence of foreclosure or bankruptcy activity.

It is important to understand that the repositories of this data, TransUnion (TU), Experian (XPN) and EquiFax (EFX) are best thought of like one would a library. If a reader checks a book out of the library and they are unhappy with the content of that book they are bound to be disappointed if their expectation is that the librarian will have an impact on influencing the author of said book to change the content.   At best, the librarian could contact the author and lodge the complaint on behalf of the reader but changes in the content must come from the author directly in future editions.  In much the same way, consumers that discover erroneous information in their credit reports are best served by making their complaint directly to the provider of that wrong information and then obtaining written evidence that the report is, in fact, erroneous.  While the methodology exists for consumers to lodge their complaints with the credit bureaus reporting said errors, the credit reporting agencies responsibility begins and ends with their attempt to “investigate” said error on behalf of the consumer.  Most often, that involves an electronic message to the creditor indicating that the consumer doesn’t agree with the way the information is reported in their file, followed by the electronic response from the reporter as to their opinion about the validity of that information.  It is NOT the role of the credit bureau to ajudicate a dispute between a creditor and borrower.  On the other hand, if a consumer is armed with written evidence provided by the creditor that the report is in error, the credit bureau will most times immediately make the change to the consumer’s credit profile after validating the written proof.  While other types of errors occur, including those involving mistaken identity, far and away the disagreement about how an account is reported in an individual’s credit file causes most of the challenges for consumers.  There is a good amount of rhetoric floating around as a result of the FTC’s investigation into credit reporting practices that changes in those methods will occur.  However, it’s likely that years will transpire before meaningful modifications in the way those errors are investigated and reported will take place.  The intevening period could be quite expensive for those Boomers needing to borrow money or obtain insurance coverage.

As Boomers approach the promised land of their golden years its important that they know exactly what lenders, insurance underwriters and in many cases, prospective employers will see when they obtain a copy of their credit report.


IMG_1610I suppose I’m a little disappointed with how sore I am this morning.  While I was looking forward to it I knew riding my bike 25 miles in the Tour de Palm Springs that was held yesterday morning wasn’t going to be easy but I had ridden that far, once before.  I know, I know; plenty of people run that far – I think they call it a marathon – but given the level of my fitness a few months ago this was a worthy goal.  On my bucket list, plain as day, is the goal to Ride my Bike for 40 kilometers (I think it seems like more than 25 miles that way, and, besides, it’s so international sounding).  Smack dab in the middle of my 60th year and perhaps 10 or 30 pounds overweight (or should I say 4 or 13 kilograms?  Sounds like a lot less, doesn’t it?). And, this Boomer of dubious physical conditioning, I thought pointing toward a 25 mile bike ride on this particular date was a worthwhile pursuit.  And, it wasn’t just 25 miles mind you; I rode my bike to my friend’s home (Syd and Joan) easily 3 miles from mine where we loaded up the bikes on the back of his SUV and headed to a parking lot that was another 1.5 miles from the start/finish line and then back again to make a grand total of 31 miles on the rock hard seat. It was more than I had anticipated (or should I say 50 kilometers – now that’s a nice round number!).  I could tell you about my recent bout of bronchitis too but then I could be accused of piling on.

The Tour de Palm Springs is an annual gathering of more than 10,000 cycling enthusiasts using every type of wheeled, self-propelled vehicle available today that participants can choose to ride along various routes ranging from 1 to 100 miles in and around the city of Palm Springs for the primary purpose of raising money for a number of charities and a getting a new T-shirt.  It’s anything but a race; in fact the organizers go way out of their way to deemphasize any competitive aspect of the ride although I heard the Public Address announcer more than once use the term “Race” only to quickly correct himself.  Event is the preferred term.  Upwards of $300,000 finds its way into the coffers of various local and national charities with the choice of designee up to the rider (I earmarked my portion of the $40 entry fee to the American Cancer Society – go figure?).

The day before the Event my wife and I decided to have lunch downtown within walking distance of theIMG_20120604_115132 Registration Booth right under the massive statue of Marilyn Monroe at the epicenter of Palm Springs on the corner of Tahquitz Canyon Way and Palm Canyon Drive.   I figured we would mosey on over to the pick up my wrist band after lunch and check out the vendor expo that was part of the celebration.  I had told Syd and Joan I would pick up theirs as well to save them from the exercise.  What I hadn’t counted on when I signed up for the Tour was dodging rain drops in the middle of California’s desert in February.  While it can happen, it rarely does.  But here we were with mid-day temps in the high 40’s and the wind chill deducting at least another 5 degrees and the sky spitting on us. I started questioning my sanity about entering this Event until I was handed a few free samples of various Clif products which went a long way toward smoothing over my angst.  It’s hard to beat free.

Figuring I needed to do a little “carbo-loading” the evening before my wife and I decided on pizza for dinner to the tune of the raindrops plinking on the window with the wind howling through the trees for accompaniment.  Then it was off to bed for a good night’s sleep in anticipation of the next day’s fun.  I awoke at 3:18 a.m. to the sound of a fierce wind whistling through the 10 foot setback between our home and the one next door cursing my luck of signing up for a monumental outdoor pursuit on the same day a hurricane was going to strike our normally calm and warm desert.  Further attempts at sleep were impossible so I hauled my soon to be sore butt out of bed and busied myself until it was time to make the appointed arrival at Syd and Joan’s by 8:30.

Mother Nature can be quite the vixen.  By the time I buckled the chinstrap of my helmet the clouds had cleared and what awaited us was an incredibly bright sky with new fallen snow twinkling like diamonds off Mt. San Jacinto in IMG_1619the distance and only the slightest zephyr.  While the temperature was on the brisk side I figured that was far preferential to having a warmer than normal day – at least for us cyclists.  Upon arrival at the staging area Syd, Joan and I saddled up our hybrid bikes with more than 10,000 other event participants and migrated by foot toward the starting line to the music of the local high school band all the while inching closer to a point where we could actually ride.  20 minutes after the scheduled start of our Event we were finally balancing on our wider than normal seats and peddling north on Indian Canyon in full exhilaration. Joan bid us adieu as she didn’t want to be perceived as a “slow poke” and we agreed to wait for her at the finish.  Syd had provided a few warnings to me earlier, since he has a storied biking history that has included cross-country rides (not “cross country” like a high school track team but “cross country” as in all the states between California and Florida).  Perhaps the best advice he gave me was to understand that bikes don’t have brake lights and that it was possible that riders in front of me would stop for any number of reasons, traffic lights being chief among them, and it was important for my well-being to pay attention.  While it might make for a better story if there was some mishap, nothing of the sort occurred during our ride; I think primarily because the type of bikes we were riding allow for regular athletic shoes and didn’t require binding of our feet to the pedals in a way that only resembles ski bindings.

As the herd plowed its way through the streets of Palm Springs and other nearby cities, past emerald IMG_1649colored country club golf courses and tennis resorts, obstructing traffic all the way, we found comfortable gaps in which to exist so as not to be hassled by the other riders; that is until we were periodically forced to stop en-masse at a number of controlled intersections in order to allow the motor vehicles to pass.  A certain amount of physical coordination was required at these infrequent stops so as to stay upright but I can proudly say that both of my knees are in pristine condition today – at least on the surface.  We were peddling along so well that we decided to bypass the first SAG stop at the Desert Princess Resort, some 6 miles out from the starting line (SAG stands for Support And Gear, but mostly snacks).  We agreed we would avail ourselves of the next (and final) SAG stop at Cathedral City High School, another 12 miles out since we were skipping this first one.  While speed was never a requirement or recommendation I was self-impressed when Syd announced (he had an odometer on his bike) we hit 21 miles-per-hour on the downhill portion of Ramon Road near the Agua Caliente Casino, that is until he told me he once averaged 21 MPH for an entire ride of something like 50 or 500 miles.  The details were lost in the grim dose of reality that was clouding my brain.  We were going along really well, even on the uphill climb on Bob Hope Drive from Ramon Road to Gerald Ford until I started to feel my quadriceps in a way that reminded me of two-a-day football practices in which I participated the last time in 1970.   I did my best to suck it up and started to anxiously anticipate the looming SAG stop at Cathedral City High School now probably only a couple of miles away.

As I started to recognize the terrain that would lead us to the school parking lot the cruelest of ironies presented itself.  Syd had the audacity to mention that a “pretty good hill” was right in front of us on DuVall Road and of course my inability to stop thinking about Pink Elephants manifested itself in the use of at least 21 of the 24 gears available with various configurations of the derailleur on my bike to help complete this leg of the ride without any embarrassing delays just before we pulled into the school parking lot.  As I parked my bike with wobbly thighs helping to engage the kick stand we made our way toward tables lined with teenagers thrusting various 3 ounce Dixie Cups into the hands of those before us.  Contained in these cups, no-doubt, was some high-tech energy supplement that looked and IMG_1666tasted suspiciously like Peanut M&Ms.  Directly adjacent were large jugs of colored liquids that are normally used for dumping on victorious football coaches and another table of sample sized portions of Clif Bars and something called “Gel Shots” that I was suspicious might contain alcohol but learned later were really 100 calories of liquefied sugar.  We loaded up our pockets, gulped the high-tech energy supplements and colored liquids as we listened to live Jazz Music along with a couple hundred of our fellow Event participants.  The musical entertainment made me long for a beer or a glass of wine which if that could have been part of the respite would have required the dispatching of a taxi to get me back to the finish line. After no more than 5 or 6 minutes of “rest” we remounted our bikes and continued along our path to the finish line that was now about 6 miles in the distance, somewhat refreshed.

Not more than a few minutes lIMG_1676 (2)ater as we were making a swinging right-hand turn I thought I recognized a rider a few bikes in front of us.  As I kicked my mechanical stead into a higher gear and caught up to the familiar figure I immediately recognized that it was Joan whom we hadn’t seen since our goodbye at the starting line.  Wondering aloud how she could be in front of us when she was worried that we would be waiting on her I quickly learned that she had neither stopped at the first or second SAG depot; I quickly changed the subject as we rode briskly along toward the conclusion of our ride.

It was somewhat thrilling to approach the finish in downtown Palm Springs in the shadoIMG_1685 (3)w of that much larger than life statue of Marilyn along with the thousands of other riders, all of whom had their routes converge into the common finish line, whether 1 or 100 mile riders, complete with clocks marking time and T-shirts being thrust into the hands of the finishers.  With the glow of self-satisfaction at least internally illuminating my psyche we quickly made our way back to the parking lot and mounted our bikes on the SUV rack for the ride back home.

I’m headed for the Jacuzzi this afternoon.  I think next year I’ll do the 50 mile ride.

IMG_1608


Today is known around our planet as World Cancer Day.  Its a day when health organizations all ACSlogoover the world are sending the message that eradication of cancer must be a global health priority.  It is estimated that more than 7.5 Million people will die from cancer worldwide this year alone.  The Empire State Building in New York City will be lit in blue and orange to commemorate the occasion, in the official colors of the Union for International Cancer Control (UICC) which organizes World Cancer Day.

Part of the message the UICC wants to deliver is that many myths and misunderstanding exist with regard to cancer.  Specifically the emphasis is on these 4:

  • Myth 1: Cancer is just a health issue. Truth: Cancer is not just a health issue. It has wide-reaching social, economic, development, and human rights implications.
  • Myth 2: Cancer is a disease of the wealthy, elderly and developed countries. Truth: Cancer is a global epidemic. It affects all ages and socio-economic groups, with developing countries bearing a disproportionate burden.
  • Myth 3: Cancer is a death sentence. Truth: Many cancers that were once considered a death sentence can now be cured and for many more people, their cancer can be treated effectively.
  • Myth 4: Cancer is my fate. Truth: With the right strategies, a third of the most common cancers can be prevented.

Cancer will affect everyone of us in some profound way during out lifetimes.  Visit www.cancer.org to learn more about the activities of the UICC and the American Cancer Society in their effort to defeat cancer.  14 Million cancer survivors are celebrating birthdays this year thanks in part to the American Cancer Society.


IMG_1603 (2)A couple of weeks ago I received an email from my daughter, Melissa, requesting one of my recipes.  Apparently she was able to purchase some beef Tri-Tip steaks at her local Costco and remembered it was one of my favorite cuts of meat to use on the BBQ.  What made this request unusual is that Melissa lives in Canberra, ACT, Australia.  In all my travels to Australia (I’ve been there more than 20 times) I have never seen Tri-Tip sold either in roast form or cut into steaks.  In fact, its only been the last couple of years that Tri-Tip could be had in Texas.  I know that because my brother, Bob, wanted to replicate my recipe after a visit with his family to California only a couple of years ago and he had a difficult time finding the elusive cut in or around Austin.  I suppose now that since Tri-Tip has apparently found its way to the capital of Australia that is a further testament to the ever-reaching tentacles of Costco.  In any event, I can’t think of a single family member (save my daughter Candace, a vegetarian) that doesn’t love Dad’s BBQ Marinated Tri-Tip Steaks.

While known by different names around the globe the Tri-Tip is a triangular roast cut from the bottom sirloin of each side of beef.  In roast form, in the butcher’s case, they range from 1.5 to 4 pounds.  The average Tri-Tip is nicely marbled providing some excellent flavor.  The cut came to fame in California in the 1950’s as a local BBQ specialty in the town of Santa Maria, California where the roasts were typically cooked whole, usually over an open wood fire and then sliced cross-grain before serving.  The much-loved Tri-Tip is at the center of menus for local restaurants and fund-raisers in and around the Santa Maria area.

IMG_1602While I have BBQ’d the whole roasts myself I find that cutting the roast into individual steaks and then barbecuing those steaks over an open flame is the best execution.  When on sale, Tri-Tip roasts can be had for under $3 per pound here in Southern California and since there is very little waste the steaks end up at about 1/3 the price of boneless rib-eyes with arguably as much flavor and less fat.  In some cases there is a layer of fat that can run about 1/8 inch thick that must be removed from one side of the roast before carving the steaks .  However, when I purchase the roasts from my neighborhood Stater Brothers market (one of the few chain grocers to still have an in-store butcher shop) that band of fat is often already trimmed away.  Costco and many other stores do sell the Tri-Tip already trimmed into steaks but the price is commensurately higher and I prefer to trim my own.  When Tri-Tip roasts are on sale, I usually buy 3 or 4 roasts and then cut them all up into steaks; divide the steaks into packages of varying sizes in Ziploc freezer bags and label them with the date purchased before stashing in the freezer.  They keep nicely for  up to 6 months and require about 24 hours in the fridge to thaw before cooking.

IMG_1582 (2)I always marinate the steaks for at least 24 hours before cooking.

Dad’s Marinated Tri-Tip Steak

2-3 pound WholeTri-Tip Roast

1 Large Onion

2 Red, Yellow or Green Bell Peppers

½ cup Teriyaki Marinade

1/8 cup pickled jalapeno slices

2 Tbsp minced garlic

1 Tsp Seasoning Salt

2 Tbsp  Cracked Black Pepper or Montreal Steak Seasoning

IMG_1587 (2)Trim Tri-Tip Roast of excess fat (leave some intact for additional flavor if desired).  Cut the roast into steaks approximately 1 inch thick weighing 4 to 6 ounces each (will make 8 to 12 steaks).  Set aside.

Julienne the onion and bell pepper into ¼ inch wide strips.  Combine with all other ingredients in large mixing bowl.  Stir until well mixed.  Place steaks into Gallon size Ziploc bag then pour contents of mixing bowl into the bag, seal, and shake well.  Lay flat in refrigerator for 24 hours, turning bag occasionally.

Remove steaks from marinade reserving everything left in the Ziploc bag.  Liberally Season the IMG_1595 (2)steaks with Cracked Black Pepper or Steak Seasoning.  Remove vegetables from marinade along with 1 oz of liquid and place vegetables and liquid in an aluminum foil into a “hobo package”.

Pre-heat grill to High.  Place vegetable hobo package directly on grill approximately 5 minutes before steaks, turn once when turning steaks.  Place steaks on grill and cook until “done”, as desired,(approximately 3-4 minutes, each side, for medium rare).

Remove hobo package and steaks from grill.  Serve steaks with share of vegetables from the hobo package covering.

Serve with oven fried Potatoes or baked potato and grilled asparagus.

Wine pairing:  Pinot Noir or Cabernet Sauvignon


“It is not the critic who counts: not the man who points out how the strong man stumbles or where the doer of deeds could have done better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly, who errs and comes up short again and again, because there is no effort without error or shortcoming, but who knows the great enthusiasms, the great devotions, who spends himself for a worthy cause; who, at the best, knows, in the end, the triumph of high achievement, and who, at the worst, if he fails, at least he fails while daring greatly, so that his place shall never be with those cold and timid souls who knew neither victory nor defeat.”

Theodore Roosevelt, April 23, 1910

I can’t remember ever hearing or reading that statement before my Dad died this past October 29.  It obviously meant a lot to him because we found it printed in various forms among his belongings. In fact, it was framed and mounted on the wall of his garage next to other things that were meaningful to him between buckets full of old golf balls, broken tees and tools that had not seen light of day in decades.  He had another copy of the “poem” as some of our family members have come to call it in the stack of paperwork he kept close at hand next to his recliner.

Sometimes incongruous events take place in our lives that teach us valuable lessons.  Over the past few days I have been following the exploits of Blues musician as he competed in the International Blues Challenge in Memphis, Tennessee.  I don’t know the musician; I barely know the blogger that has been keeping his reader’s apprised with bits and pieces of progress reports but I have been drawn to the updates like bees to honey.  I can’t even tell you that I know much about the Blues beyond the ability to appreciate and certainly not enough to know what it takes to win a competition like this.  But as I sadly read the report this morning that the focus of these regular updates had been eliminated from the Challenge my thoughts turned to the dog-eared, yellowed version of Teddy Roosevelt’s words that my father so proudly displayed in his garage.


IMG_1577 (2)We always wonder what the right thing is to do with our newspapers when we go on a trip:  Ask a neighbor to pick them up or call the newspaper and request a “Vacation Hold”?  I’ve been lobbying for internet only delivery at our home for some time but my wife still loves to hold the paper and get black ink all over her fingers while having her morning coffee.  Newspapers all over the country are in deep trouble for myriad reasons. Recently the New Orleans Times-Picayune has dropped daily publishing in favor of just 3 printed versions each week in a cost cutting move. This kind of publicity can’t help.

From the Los Angeles Times, January 31, 2013

Thieves target homes of Times subscribers
Four are arrested after $1 million in property is stolen from readers who were out of town.
BY Andrew Blankstein

Four men have been arrested on suspicion of burglarizing the homes of Los Angeles Times newspaper subscribers who were on vacation, according to the Los Angeles County Sheriff’s Department.

The burglars allegedly stole $1 million in property over the last three years.

Detectives said one of the suspects obtained lists of subscribers who had submitted “vacation holds” to a vendor that distributes newspapers for The Times. Officials said they have identified 25 victims but believe there are more than100.

Sgt. Michael Maher of the sheriff’s Major Crimes Bureau said most of the break-ins occurred along the 210 Freeway in eastern L.A. County and western San Bernardino County.

Approximately $100,000 worth of personal property, including artwork, golf clubs and guitars, has been recov- ered as a result of a six-month investigation, Maher said. But investigators believe the thieves stole many more items, including jewelry and collectible coins that they later sold.

“They took everything from televisions right down to the toothpaste,” he added.

Deputies said Duane Van Tuinen, 51, of Azusa is believed to have supplied the burglary crew with addresses from stolen vacation lists. Sheriff’s officials said he serviced machines in the distribution centers that subcontract with The Times to deliver the paper. He was arrested Wednesday.

Randall Whitmore, 43, of La Verne; Joshua Box, 43, of Arcadia; and Edwin Valentine, 52, of Covina have been booked on suspicion of receiving stolen property and possession of stolen property. Deputies are seeking a fifth suspect.

Sheriff’s officials said The Times has cooperated fully with the investigation.

Nancy Sullivan, a Times spokeswoman, said the newspaper has made changes in its delivery policies since the incident.

“The Los Angeles Times was contacted several months ago about criminal activity which may have been linked to subscriber delivery information. We immediately launched an internal review and collaborated with the Sheriff’s Department as matters unfolded, including honoring their request to keep the matter confidential because the investigation was active,” Sullivan said. “The Times sympathizes with those who have been harmed and joins the other victims in thanking the Sheriff’s Department for their hard work.”

Sullivan added: “We continuously review and upgrade our policies and systems to protect and best serve our customers.” She said that the paper will no longer share vacation information with distributors.

Authorities said the thieves would case the home of the subscribers who had submitted vacation holds to make sure the owners were away before striking. In some cases, the burglars found the victims’ cars keys. They then loaded up the vehicles with stolen items and drove off, Maher said.

Officials said a break in the case came last summer, when Glendora police pulled over one of the suspects who had a list of addresses as well as stolen property. Sheriff’s detectives spent weeks studying the list and eventually determined the addresses belonged to Times subscribers who had stopped delivery while on vacation. Maher said detectives at first probed whether the list was obtained through computer hacking but eventually determined that it was an inside job.

Subscribers who believe they were burglarized after placing a vacation hold are asked to call the sheriff’s Major Crimes Bureau detectives at (562) 946-7893 and supply a police report number as well as a description of the stolen items.


My stated intent with this blog is to help my fellow Boomers navigate through the morass of issues that are facing those of us born between 1946 and 1964 as we age together.  I think I know what those major issues are; at least I know which ones keep me awake at night.  In the interest of democracy and the realization that there are most probably many, many other issues facing Boomers that I have not yet encountered I tried a little experiment:  I GOOGLED “problems facing Boomers” and,  in 1/3 of a second I received 565,000 responses.  Five Hundred and Sixty Five Thousand!  It’s no wonder I have a hard time getting the recommended amount of sleep every night.

The first thing that jumped out at me was a FOX NEWS report from last year that simply stated “If MEDICAREENROLLrates of disease and disability continue at their current levels, America will become a nation of sick, senile, disenfranchised, impoverished seniors, with too few resources to care for them and astronomical medical costs that will cripple our economy.”  Cheery thought, that, but it kind of sums up challenge.  I don’t know about you but I am not looking forward to living out my golden years as a depressed, sickly old man wearing tattered Dockers and an old flannel shirt waiting on the veranda of my government subsidized housing for one of my grandchildren to pick me up for an outing to the local park, hoping I can remember his or her name when they arrive.  So, I suppose Health and Healthcare that is affordable needs to be at the top of the list of every Baby Boomer’s worry lineup.

Then, it seems, all the concerns about Money and Inflation combined with anticipated Longevity for Boomer’s in general.  In simple terms, the Fear of Outliving Assets commands a high place on every Boomer’s list.  How to know when enough is enough, that’s the rub.  Assuming you think you have “enough” when its time to cut back and try to enjoy whatever is left of your days with our Federal Budget Deficit running in excess of $1 Trillion per year with no end in sight and accumulated debt at $16.5 Trillion and growing is frightening to say the least.  It seems we are being led to believe that allowing the Federal Government to keep minting money at breakneck speed is a good thing for our economy.  The believe that somehow we will spend our way out of our national fiscal problems flies in the face of all lessons economic I learned over the last 60 years.  The simple concept that was taught that when there is more and more currency in the system chasing a finite amount of goods and services the effect squirts out as inflation seems to have been lost in the current environment.  Thinking about a day when you might take that last distribution from an IRA account because your money ain’t worth what it used to be and it cost a lot more to live to that point than you ever thought possible and you are left with nothing but a meager monthly distribution from Social Security to support yourself and your spouse that is younger and much healthier than you – now that’s the stuff of which nightmares are made.

Another worrisome issue that jumped out at me, one I had not considered on my own because I have a committed and caring spouse, are the unique challenges facing Single Baby Boomers as they age.  I was somewhat taken aback to read that 1 in 3 of the almost 80 Million Boomers is either divorced or never-married or widowed and of that population of more than 25 Million Americans only 10% fall into the widowed category.  Among the commonalities of this growing segment is that they tend to be younger, female and non-white.  As a group, they become disabled at almost twice the rate of married couples and are less likely to have adequate health insurance.  The obvious concerns of who will care for them if they do become incapable on their own are exacerbated by the economic challenges of living alone.

Many Boomer’s are part of what is known as the “Sandwich Generation“; simultaneously having to care for family members that are both older and younger.  I think we all know Boomers that have been ensnared in that web with a living parent that needs a significant amount of care and children that have either never left the nest or have returned as victims of the challenging economy or other social problems.  The tax of the energy and resources on our contemporaries that are caught as the meat in the middle of this sandwich can be overwhelming.

Functional Decline is another concern of Boomers that I personally hadn’t spent much time thinking about, although I find it distressing that what I once thought of as my razor-sharp memory needs ever more reliance upon a digital calendar for prompts about the normal and necessary parts of day-to-day living.

Abuse, Neglect and Financial Exploitation have their own places up and down the roster of those things about which to be concerned.  I have a friend that is an attorney specializing in Elder Law.  Apparently, the need for this specialty is growing exponentially.

Death and Dying mixed up with cultural and religious beliefs creates its own menu of concerns for Boomers who want to have a say in how their own lives end.   How and when to make their wishes known to family members and the worries about whether those wishes will be honored are among the details that must be reconciled.

Where To Live is another challenge facing Boomers.  Layering the desires to be close to (or not) other family members, health care facilities, recreational opportunities, entertainment, shopping and religious facilities with the need or willingness to move from an existing home creates another set of insecurities.

My goal over the coming period of time is to explore these issues in-depth and other concerns that are brought to my attention with a focus on how best to attack each of the challenges as we age together.  If there is something keeping you awake at night that you would like to have me address please let me know.

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