Coffee heat rising

Aging in place

Retiring to the Life of Riley?

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Gettin’ old…gettin’ old. 

My son is beginning to fret, far more vocally than before, about my staying here alone in my middle-class four-bedroom house. Quite reasonable is his fear that I’ll trip (AGAIN!) and fall (AGAIN!!), but this time inflict some much more serious harm (breaking a shoulder was quite enough…) or even kill myself.

So he’s begun lobbying for me to sell this place and move into one of those horrid holding pens for old folks, like the one my father went into.

Now…my father went to sea all his life. He ran away from home at the age of 17, lied about his age, joined the Navy, and never looked back. And it was a good life: he earned a good living without a college degree (in fact, I don’t think he even graduated from high school). He saw the world — big time — there are not many countries outside the Soviet Union that he didn’t visit. And he landed a harbor pilot’s job in Saudi Arabia that, thanks to the hideous living conditions, paid enough for him to retire at the age of 50.

He did, eventually, have to go back to sea — he didn’t understand about inflation and so found himself short of enough to support himself and my mother for the rest of their lives. But it was only for a year or so.

After my mother died, he immediately moved into an old-folkerie — uhm, “life-care community” — where he lived out the rest of his life in brain-banging misery. No, not because of the institution, called Orangewood, which treated him well — after 30 years on tankers, he was used to crowded living conditions and bad food. But because he stupidly remarried and ended up stuck with with a harridan. He probably figured he could rebuild his former life by replacing my mother with another old gal. But…oh, my….

So my view of old-folkeries is tainted by his remarkably unpleasant experience…which admittedly was tainted not by the old-folkery itself but by the bitch he married.

Let’s suppose I were to give up on staying in my own place and succumb to my son’s demands that I move into an institutional setting…

What would you need to know about a place to live in your dotage?

  • What services and physical amenities would be needed for one to live on one’s own?
    • Meals (served in a student union-like setting)
    • Cleaning services
    • Repair services
    • Chauffeuring (in a limited way)
    • Power bills
  • Could you provide them for yourself?
    • I’m already doing that, except for the chauffeuring…and we do have plenty of those services hereabouts
  • How much would providing them cost?
    • Certainly not as much as your entire net worth, which you pay to get entry to one of those places

What attracted my father to the whole idea of Orangewood, at the outset?

  • He didn’t want to deal with the work of maintaining a house, i.e.,
    • yard work
    • repairs
  • Utility bills were probably included as part of the monthly Orangewood bill
  • Meals were provided
    • He didn’t have to make regular or large grocery-store runs
    • He didn’t mind institutional cooking
  • Orangewood staff would drive inmates to doctors & other destinations
    • In fact, I think they had a bus service that would tote the inmates to grocery stores. Yea verily…I do remember he and Helen ended up sitting for hours in some doctor’s waiting room until the OW bus showed up to drive them home. Hardly ideal!!!
  • He was used to living in an institutional setting, and did not mind cramped, noisy quarters

The fact is, he probably would have been fine there if he had not become involved with Helen. This hints that trying to replicate what made you happy in your previous life is not a good idea.

  • There was no way another woman could replace or duplicate my mother
  • The apartment quarters were too cramped for a couple to live in comfortably unless they were hardly ever home.

If this observation is accurate, then it would seem you have two choices:

  • Don’t remarry or otherwise try to rebuild your prior lifestyle. Engage the new life and do as much as possible in new ways and different ways.
  • If you just must remarry, do not imagine the new married life will be anything like your prior lifestyle. ENGAGE CHANGE and build an entirely new outlook and lifestyle in the new married life.

Why did my mother not want to move to Orangewood?

  • She loved that house in Sun City. She repeatedly told me how much she loved the house and liked living there.
  • She had dear friends out there.
  • She had no desire to leave those friends or build a new social circle
  • After a lifetime of major moves, she probably had figured the move from Long Beach to Sun City would be the last household move she would have to make, and she didn’t want to do it again.

Why might she have been willing to move?

  • Orangewood was within walking distance of my house (but she couldn’t or wouldn’t walk that far)
  • Luke Air Force Base generated a LOT of noise (although she was not bothered by it)
  • She might have felt safer, given her burglar paranoia
  • She would have been closer to fancy shopping centers
  • Although probably unaware of this: she would have had access to better doctors and medical facilities

None of these were strong enough motives to make her want to move.

 What are the pro’s & cons of my own place vs an OldFolkerie? Can these be weighted for comparison?

Pro’s

Staying here:

  • Maintain independence
  • Yard
  • Private pool
  • Spare room for guests
  • Quiet: privacy
  • Full kitchen
  • Separate freezer
  • Indoor, private garage for car
  • Own washer & dryer

OldFolkerie:

  • Communal living: meet new friends
  • Communal living: authorities keep eye on you
  • Relieves my son of responsibility
  • Bus to take you places

Is there a way to replicate the benefits of an old-folkerie?

Along those lines, note this site: https://my.aarpfoundation.org/ Many resources that could help you stay in your home.

Weighted value of pro’s & con’s:
(Sorry: WordPress will NOT let me format this table sanely…and just now I’m not in the mood to retype the whole thing…)

Issue/item Cons, my pl Pro’s, my place Cons, OW Pro’s, OW Real & potential drawbacks
Independence 2 10 1 2 Risk of fall
Yard 3 10 10 0 No yd @ OW
Private Pool 3 8 10 0 Expense, risk
Privacy 5 10 8 1 Limited, OW
Full kitchen 0 10 9 1 OW: no full kitchen
Sep freezer 0 10 10 0 OWs: none
Private parking 0 10 5 5 OW: none
Own w/d 0 10 10 0 No w/d in apt.
Hired workers 2 10 5 5 n/a
Taxi/Uber 3 10 3 10 T/U: about the same
Trans included 0 10 8 8 Slow, PITA; no transit officially “included” at my place
Meals 8 10 8 5 OJ food was awful! Limited mealtimes
Frees Son 10 2 2 8 Need to find services to help when he is unavailable
Social life 8 2 3 7 Need to reach out to make friends here
Sum above 54
Cons, my place
 112 Pro’s, my place
 92
Cons, Orangewd
 52 Pro’s, Orangewd

 

If this list is reasonably complete (is it??), from my point of view: the pro’s of living at my place outweigh the pro’s of Orangewood by more than twice; the con’s of living at Orangewood outweigh the cons of staying here by almost twice.

If fear of a catastrophic fall or a sudden health emergency is the main motivator for institutionalizing oneself, would it not make as much sense to ALWAYS CARRY A CHARGED-UP PHONE or one of those call-for-help buttons?

Either of those is infinitely cheaper than forking over the value of your home plus still more of your assets to some institution. And, IMHO, infinitely better  than consigning yourself to a prison for old folks.

Quack Day

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A-n-n-d…speaking of doctors, as we were yesterday…in a few minutes I need to head off to a dermatologist. One of my fingernails is lifting right off its bed — for, as far as I can tell, no good reason. I haven’t hurt my hand, and none of the other nails are doing that.

Well…no: not so. You could argue that the thumbnail is starting to do the same thing.

Hmmmmm…. An infection, maybe? Far’s I can remember, I haven’t stuck my paws in any caustic solutions. If I had, you’d think all the nails on that hand would be acting the same way.

This guy is a partner of the beloved Young Doctor Kildare, who once again has left the practice of medicine to take up the leadership of a charitable organization. I hope he and I get on (I adored YDK!), because these are my “doctors in the wild,” as the Mayo calls them. That is: doctors who do NOT practice at the Mayo Clinic.

😀  The Mayo is truly wonderful. But their doctors’ offices are located halfway to Payson. No kidding: they’re on the far northeast side of Scottsdale, almost an hour’s drive from here.

So I’m not inclined to safari all the way out there for just any li’l ailment that I don’t consider life-threatening.

***

So it was over to said local doc. No satisfactory explanation or diagnosis was given. But they want me to go to a neurologist.

And of course, getting in to see this worthy entails a whole new set of endless hoop-jumps! Goodie!

How do they get people to go to doctors at all, these days?

I am JUST NOT UP for this kind of hassle now.

So instead of hurrying home and making a new appointment with the new guy, I cruised up behind YDK’s offices, into a sprawling middle-class housing development of ticky-tacky stick-and-plaster homes.

My dear (late, absconded) friend Elaine and her (now late) husband lived there. I helped them fix up and paint the house when they moved in, which was how I got a good, clear, horrifying look at the place’s construction. What junk!!!! 

And when you drive around (and around and around and around and…) in there, what you see is square mile on square mile of junk.

How the Hell do developers persuade Americans to buy this stuff?

😀

In theory, it ought to be a nice place to live...but…but… Heh: but if you happen to look closely enough to see how the houses are built, you want to RUN away. The structures are as flimsy as flimsy can be. Really: if you’ve ever done any work on one of them, you know that “flimsy” overstates the quality of the construction out there.

So what you have in lovely Moon Valley is mile on square mile on square mile of tossed-together ticky-tacky. Expensive tossed-together ticky-tacky.

Well. Not spectacularly expensive — most of it isn’t, anyway, though there are some fancier(-looking) areas. But these are people’s houses. Houses that are supposed to last a generation or three.

Some of them, you’d be amazed to see last a decade, to say nothing of a generation.

****

Ohhh well. Here’s a rather interesting passage about a new theory of Alzheimer’s, speaking doctoring. It appears rather little is really understood about the condition…and it’s a condition that’s spreading to drastic proportions.

****

Tuesday
August 20

And now it’s quarter six, after several more sleepless hours. Might as well get up and walk the dawg before it gets hot.

What a life! Such as it is…

Soggy Doggy Day II

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Ick! It is SOOO HUMID out there at 7 in the morning that by the time the pooch and I got home from a leisurely mile’s stroll through the ‘Hood, I literally had to peel my jeans off my legs!

NASTY weather, hideously reminiscent of Ras Tanura, Saudi Arabia…only without the beautiful beaches on the Persian Gulf. Just desert, repetitious middle-class tract housing, and swampy heat.

At the crack of dawn.

Garden spot, this….

Actually, it is a garden spot! 😀  Irrigated lots sporting bright green lawns; big ol’ 1950s ranch houses; huge and ancient shade trees; citrus trees abounding.

As we perambulated through the lower reaches of Upper Richistan, we passed a young dad pushing a pair of twins in a double stroller. Dad: white. Kids: brown. Cutest li’l thangs you ever saw in your life…and evidently adopted.

A couple of families over there have taken in youngsters from duskier races. A house on the main road into U.R. is home to two teenaged boys of the African-American persuasion; all the adults in the house are whitey-white. The young fellas like to practice basketball in the front yard, which is grand fun to watch.

As the sun has climbed into the sky, humidity is a balmy 30%. Clouds and haze lurk overhead. The AC labors mightily, groaning to keep the indoors moderately livable.

Loafing, I daydream about the Old Neighborhood, where DXH and I lived for well upwards of a decade after we were married. Loved that place!

It was so beautiful. Here’s the old house. It was so beautiful — even more so inside than outside. Built in 1929. Zillow claims it’s worth something over $1.2 million.

Yeah. Well…whatEVER.

It is a LARGE place, in a famed historic neighborhood, smack in the middle of the city. If you worked downtown, your commute would essentially be nil. Same if you taught at Phoenix College or worked in any of the gerzillion office buildings up & down Central Avenue.

I loved that house. Didn’t want to move. But…

We moved because we didn’t feel safe. The transients and the crime level in those parts will take your breath away. After a couple of hair-raising incidents — German shepherd notwithstanding — we moved to get away from the bums and the crime.

{sigh} I miss it, and I miss our classy neighbors.

But I don’t miss feeling scared half to death at night. Don’t miss the guy who broke in one night, chased off by said German shepherd. Don’t miss the guy who tried to break in, another night, but couldn’t get past the deadbolt. Don’t miss the bum who took up residence in D-XH’s car one night…he flew into a rage when D-XH had the nerve to climb in, start the engine, and begin to pull out of the driveway, headed to work.

No. Encanto is a beautiful historic district. But if you have any common sense, you don’t wanna live there.

Outta here

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M’jito, ever wiser than his de-marbled muther, advised me to delete the most recent post, the one about today’s Adventures in Medical Science.

NATCHERLY, WordPress won’t let me just kill it.

ohhhhhh nooooo…that would be easy, eh?

So: let’s delete the content and replace it with blather: Herewith.

Stop the world…i wanna get off!

This, That, & the Other

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Hotter than the Hubs out there...and wetter than the bottom of the Arctic Ocean.

Seriously: it is SO hot and SO humid, you step out your (soggy) front door into a corner of Hell. Or…more likely, into a corner of Lovely Saudi Arabia.

Today and yesterday have been weirdly reminiscent of the balmy old days beside the Persian Gulf.

There, the air would get so wet that sometimes rain would start to fall out of a clear blue sky. We’re not that bad…yet. And I sincerely hope we don’t get there.

Ugh! Gotta go to the store. Get stuff for me and the hound: stuff that can’t wait. Then another errand…while I’m running around, I prob’ly SHOULD run by the mid-town Best Buy and get another power cord for this li’l computer.

Because…AS YOU AND I BOTH KNOW….wherever you are, you can’t get there from here. Whatever room I happen to be in, when the power runs low on the MacBook, the power cord is on the other end of the house!

😀

Ogling real estate in Moon Valley, a sprawling Mittel-America tract where my friends La Bethulia and La Maya moved. Look at this shack, for example. It’s on the high side of houses out there: not the best available, but far from the tackiest. I’d say it’s comparable to my current hovel, in style and size and maintenance.

Guess if I wanted to run away from the Romanian Landlord, that would be a likely candidate. It’s not quite as large as my house…but truth to tell, my shack is one bedroom too much.

Relatively pretty, as tract houses go.

But…y’know…so is mine. And my house is closer to M’hijito’s, by some miles. And click through the photos to see that thing next door to it. That’s a weird lash-up, isn’t it? It looks, for all the world, like a commercial structure with an underground garage.

?????

Not likely, in a suburban middle-class tract. But…weird, isn’t it?

Dunno that I could live in Moon Valley: too much emotional baggage.

A dear friend of mine: her husband died out there. He had cancer, and he died excruciatingly. And…well…her behavior left something to be desired. So did mine, come to think of it. We should never have been socializing in the kitchen while he was dying in the bedroom.

Horrible.

After he passed, I never heard another thing from her. She sold the house in Moon Valley; moved to Scottsdale. Then, apparently as she herself sank into decrepitude, she moved back to the Midwest, where her adult kids lived. And that was the last I knew.

Moon Valley is a bland tract of bland, throw-’em-together stick-and-drywall huts. For my purpose, it’s kind of a sentimental journey, cruising the Web and eyeballing the overpriced ticky-tacky. But in fact, my house is far nicer: block construction, real walls that keep out the burglars.

Seriously: a good-sized man could break right in through a wall out there, simply by delivering a good-sized kick. When my friends moved into that house, I went out to help her paint and fancify the place. You would not have BELIEVED the ticky-tacky construction!

No kidding: you could break in with swift kick to an exterior wall. The walls, which were pretty much all stick-and-plaster, were so poorly insulated that as I stood on the tile floors painting the living-room (she had the whole house tiled before they moved in!), I could feel the HOT heat under my feet. You don’t even wanna know what their power bills must have been.

***

Here I am at the neighborhood doc’s office. Waiting. And Waiting. And Waiting.

What I wanna do is ask him if he’ll refer me to the Alzheimer’s facility at Good Samaritan Hospital, in downtown Phoenix. That’s about a 10-minute drive from my house…as opposed to an hour’s trudge to get out to the Mayo.

Also, quite frankly, I want a second opinion. The Mayo is halfway to Payson from my house. Good Sam is straight down 7th Street: outside of rush hour, an easy shot. Soooo….we’re talkin’ two advantages here:

  • If the staff at Good Sam do indeed appear to be competent, then we have excellent doctors within easy reach; and
  • Good Sam is right on the route to my son’s house and to a dear friend’s house! Thereby producing an excuse for visiting. 😀

*****

Didn’t get far with that scheme. Oh well: I’ll have to keep at it.  A little peripheral neuropathy isn’t gonna kill me. Soon. And if my brain has turned to Swiss cheese, there ain’t much anyone can do about it.

 

 

 

What Does Inflation Do to Your Savings Goals?

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Every now and again, I think of my father and his goal to earn back the substantial fortune his mother had squandered that her father, the 19th-century buffalo hunter, had accumulated in the process of clearing the Plains of Indians and wild livestock.

She herself was an Indian woman: Choctaw. If you happened to know that and you looked at my father closely, you’d realize “yup! Injun lad.”

Not surprisingly, she had no inkling of what money was or how to manage it.

When she refused to accede to her husband’s demand that she abort the unplanned, late-in-life pregnancy that produced my father, said grandfather(again!)-to-be climbed on his horse and trotted off into the Texas boondocks, never to seen alive by her again.  Supposedly, he shot himself, but when you get into the facts of the story, it looks suspiciously like he was murdered by a guy who had been an inmate where he — the father — had been a prison guard.

WhatEVER…the whole drama essentially burned a brand into my father’s psyche. It produced an obsession:

He would earn back the entire sum that his mother had squandered: $100,000.

Today, that wouldn’t seem excessively difficult.
Hell, I’m worth three times that…and what am I? A freakin’ teacher!

In those days, though, a hundred grand was a LOT of money. By 1962 (when he tried to retire), it would have been something in excess of $300,000.

Understand: my father dropped out and joined the Navy a year or two before he finished high school, out in the Texas boondocks. So his target actually represented much, much more money and MUCH more work than he understood. In today’s dollars, it would come to $3,131,660.

Can you imagine? For a guy who doesn’t even have a high-school diploma…

Well, he did it. By dint of canny investment and a lucky choice of investment counselors, when I went off to college in 1962, he had his 100 grand in the bank, and he retired from his job with a pocketful of dollars.

That didn’t last long.

Remember: this was a guy who did not understand the first thing about economics.

By the time I graduated with a BA, we had hit a recession and his vast fortune went down the tubes. He panicked, packed his bags, and went back to sea, leaving my mother in Sun City…a hole in the middle of the Sonoran Desert into which to dump elderly folks.

That which he did not understand — the mechanics of inflation and deflation — eventually came to pass, and by the time he died he did have a pile of dollars to leave to me, despite having moved into a rapacious old-folkerie.

All very nice…but the point to the story is that the workings of the larger economy have a much greater significance for the individual’s savings and retirement plan than most of us realize.

For one thing, you need to bear in mind that the absolute value of the dollar slips and slides over time. Sometimes, yes, over time the value goes up. But more likely, it will go down…and down…and down. By the time you’re ready to retire, a hundred grand will be worth….far from a hundred grand!

This implies, of course, that you need to inflate your savings goal by some extravagant factor if you are to arrive at a sum that can be expected to support you through your dotage. Take the amount you think you need to live in retirement and multiply it by about 3: that will probably be the minimum you’ll need to have on hand when you finally quit your job.

Because, y’know: inflation.