“At Your Age…”

It turns out 65 is the awkward age of aging: older, but not yet old. I’ve got all the energy necessary to hurt myself. Earlier this season, I had a wonderful week gardening. I dug out and moved 4 junipers and sawed down a dozen or so small trees. I felt invigorated, until a few days later when muscle spasms in my left thigh sent me screaming to the

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Women, Who Knows?

In a recent column, I rambled on about how things used to be. I also shared a view that could have been understood to say “women weren’t part of the workforce like they are now (which is part of our problem)”. That isn’t what I meant, but that is how it read to the women who quickly shared their correct view that what had been written was offensive

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Time for Advisors to get in the Game

Whether you are a financial planner, advisor, wealth manager, attorney or CPA it is time for you to get off the sidelines and participate in the Home Equity Conversion Mortgage (HECM) discussion. Don’t know what a HECM is? (How embarrassing.) It is a federally insured reverse mortgage. Your clients are looking into these in increasing numbers they

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There Were Jobs

The other night, I was washing the windshield of my car. As I squeegeed the water off, the memory of a Texaco Man cleaning my dad’s windshield came to my mind. That was how I learned to squeegee a windshield, by watching the “man behind the star” doing his job. Young people today can’t imagine it, but there was a time when a man hurried out to your

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Courtesy is Contagious

After moving from Chittenden County to Central Vermont, it took awhile for the courtesy of the drivers to affect me. Yes, it was nice having someone stop and allow me to make a left hand turn. It was also a pleasant surprise when I was allowed to emerge from a parking place into traffic.   But it took awhile to change how I drove.   At first,

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Hip, Again

There have been so many kind inquires about my hip replacement operation, I thought I’d update everyone. It was an incredible success, beyond anything I could have imagined. I’m very happy with my titanium hip. The first question is always, “where did you have it done?” Dartmouth Hitchcock. Why? Because after shopping around on the web, I was attra

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The Housing Inheritance Myth and Reverse Mortgages

The reason I call it the “Housing Inheritance Myth” for people considering reverse mortgages is that the gap between desire and reality is so wide. Yes, myth may be a bit strong, but bear with me a bit while I try and explain myself. Passing one’s home along to one’s children is part of the American Dream of home ownership. We inherited that dream

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Reverse Mortgages, New and Improved?

It has taken a few years for the Federal Housing Administration (FHA), which insures Home Equity Conversion Mortgages (HECMs), to sort through the consequences of the worst real estate crisis in living memory and the entry of Boomers into the 62+ market. The result has been more changes recently than in the previous life of the program. One of the

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Colt .45

I have no sympathy for my fellow Boomers who cruise eBay in search of mementos of their past. “Leave it lie and move ahead”, is my motto. “Let the past be the passed.” But that was before my wonderful sister gave me the surprise gift of a toy Colt .45 that was my favorite childhood gun. It is magnificent. It is perfect. I am a hypocrite. She said t

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Big Fins

Whether it was the ’57 or the ’59, the record seems pretty clear that the fashion of tail fins on cars reached its peak on a Cadillac. When we talk to young people today about life being different back then, it is impossible for them to imagine how different it was. There were no seat belts and it wasn’t uncommon to see a car drive by with a kid ly

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