1918

October 6, 2018


I want us to climb in Mr. Peabody’s Way Back Machine and travel back in time to the year 1918.  One hundred years ago.  What were things like back then; clothes, cars, entertainment, politics, technology, etc.    It’s amazing to me how many advances have been made in just one hundred years.  Let’s take a quick look.

  • The average life expectancy for men was forty-seven (47) years.
  • Fuel for automobiles was sold in drug stores.
  • Only fourteen (14) percent of the homes had a bathtub.
  • Only eight (8) percent of the homes had a telephone.
  • The maximum speed limit in most cities was ten (10) MPH.
  • The average wage in the US was $0.22 per hour.
  • The average worker made between two hundred ($200) and four hundred ($400) dollars per year.
  • More that ninety-five (95%) percent of births took place in homes.
  • A dentist made $2500 per year.
  • A veterinarian made between $1500 and $4000 per year.
  • Ninety percent (90%) of ALL doctors had no college education. Instead, they attended so-called local medical schools. Many of which were condemned in the press and the government as substandard.
  • Sugar was four cents ($0.04) per pound.
  • Eggs were fourteen cents ($0.14) per dozen.
  • Coffee was fifteen cents ($0.15) per pound.
  • Most women washed their hair only one per month and used Borax or egg yolks for shampoo.
  • The population of Las Vegas was thirty (30).
  • Two out of ten adults could not read or write and only six percent (6%) of all Americans had graduated from high school.
  • There were two hundred and thirty (230) murders reported in the entire United States.

If a picture is worth a thousand words—let’s have pictures.  All of following pictures are from Getty Images and were taken in the year 1918.  Let’s take a look.

HUGE differences—right?  One thing I am certainly grateful for is advances in medical technology.  Our life expectancy for a male is now seventy-eight (78) and not forty-seven (47).  Huge advances.

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CENTRAL MARKET—DALLAS

July 14, 2018


When we visit our family in Dallas, Texas we ALWAYS make at least one stop at the Central Market on 5750 East Lovers Lane.  The digital below gives you some idea as to the size of the facility—its is HUGE.  Everything from soup to nuts, all fresh daily, with an amazing verity of choices for every want and need including ethnic.   In this case, a picture or pictures, are better than a thousand words so this post will be pictorial in nature.  I do not think you will regret the digital visit.  Here we go.

The outside is not very dramatic. Pretty much “plain Jane” as it were but wait until you see the inside.

No way we start shopping without taking our grandson.  As you can see, he is driving the bus.

VEGGIES:

If variety is the spice of life you are in “tall cotton” when you first visit the vegetable section. This is the very first area you come to when you enter.  The picture below does not do the area justice.  There are three additional long tables and one shorter table loaded with anything you might want or need including vegetables I have never heard of much less eaten.  The citizens of Dallas represent a very diverse culture so Central Market caters to those cultures.

FRUITS:

Same way with fruits. You name it—they have it.  Again, four tables of fruits neatly arranged and labeled to provide any customer with a superb selection.

FISH DEPARTMENT:

All fresh although there is a frozen fish section in coolers located within the department.


 

$26.99 per pound for lobster tails.  You might also notice the size of the bay scallops.  They are absolutely huge.

MEAT DEPARTMENT:

Two sixty (60) foot counters of meat for consideration.  If they don’t have it, you done need it.  There are even “exotic” meats such as ostrich, buffalo, snake, etc etc.

GRAINS:

This is one of the most intriguing displays in the store.  Each container carries a different consumable.  As you can see, there are well over fifty (50) to consider.  Again, Dallas is a diverse city and many shop here because they know they can find foods and ingredients common to their upbringing.

COFFEE:

The various coffees displayed cover the field and come from many many different countries.  You can buy the bean or grind in the store.

BREAD SELECTION:

To me, the most impressive section of the Central Market is the great variety of bread they offer.  ALL bread, including muffins and pastries are baked at the store on a daily basis.

CHEESES:

The second most-impressive displays are in the Cheese Department.  Again, if they don’t have it you don’t need it.

WINE:

With bread and cheese, you have to have wine and of course they do.  Take a look.

PASTERIES:

We may as well finish with dessert.  Take a look at the selection below.

CONCLUSIONS:

I obviously do not know if you ever travel to Dallas but if you do, here are several places you need to visit:

  • The Central Market
  • AT&T Stadium (Home of the Cowboys)
  • The George W. Bush Presidential Library
  • The Perot Museum of Natural History
  • The Dallas Arboretum
  • Pecan Lodge (Best brisket in Dallas)

Just a thought.

CAN YOU RETIRE

May 29, 2018


At some time in our working future we all hope to retire, but one burning question lingers—can you retire on what you have or will save at that point?  We are told that:

At some point in your life, you’ll be using this money to support your lifestyle. By the time you reach sixty (60), you should have six times your salary saved – that’s $360,000 if you make $60,000 per year. Unfortunately, the average sixty-something has an estimated median of $172,000 in the bank.  That is an estimate as of December 8, 2016.  Nearly half of American families have no retirement account savings at all.  This really blows my mind but this fact is what we are told by the Economic Policy Institute (EPI) in a new report entitled, “The State of American Retirement”.  Please take a look at the graphic below and you can see age groups vs retirement account savings.

Whereas the average savings of a family with members in the 32-to-37 age range is $31,644, the median savings is a bleak $480. At the other end, the average savings of families 56 to 61 — those nearest to retirement — is $163,557. The median is $17,000.

I think there are very specific reasons for the lack of savings, especially for younger citizens of our country.  Student loans, cost of living, pay scales, credit card debt, living above ones means, etc. all contribute to the inability to save or at least save enough for retirement.

The web site called MoneyWise.com has a very interesting solution to this problem or possible solution.  If you go to this web site and look up the following post: “Places You can Retire to for Less Than $200K” you will see a list of twenty (20) countries that can supply most if not all of your needs if your retirement is less than $200 K.  Let’s take a look at the list in order of favorability.

Thailand

Costa Rica

Nicaragua

Malaysia

Mexico

Malta

Ecuador

Spain

Portugal

Panama

Australia

Austria

Czech Republic

Slovenia

Chile

Uruguay

Vietnam

Guam

Indonesia

South Africa

MoneyWise.com completed a study comparing housing availability, cost of living, health care, crime, government and several other indicators to compile this list.  It is a very interesting study and I encourage you to take a look even if you are not considering being an expatriate. You just might change your mind.

There are two other web sites I definitely recommend you check out as follows: 1.)  The CIA Fact Book and 2.) Lonely Planet.  From these two you will find very valuable information relative to any country you wish to research.  Look before you leap might just be in order here. Another option might be spending time and not completely relocating.  Two, three, six or even nine months during one year might get you beyond worry relative to being able to afford retirement on what you have saved.  The most important thing is to DO THE RESEARCH.  Make a list, then a short list of the countries that represent the leading candidates. THEN MAKE A VISIT. Wade—don’t jump.  Several other considerations I would list are as follows:

  • Make sure you consider your family, friends and support group before you make the move. Will they be willing and able to visit on a regular basis if needed?
  • A huge factor for me would be availability of good if not excellent medical facilities.
  • Cost of transportation.
  • Language considerations. If English is an issue, how difficult would learning their language be?
  • Power supplied. (I know this is off the wall.) Does the country provide 120-volt AC, 60 cycles per second or do they provide another voltage and frequency?  In other words, will your electronics work?  Will you have to buy new equipment or can a converter do the job?
  • How difficult and costly is communication “back home”? This includes Internet services.
  • Viability of local banking institutions
  • Stability of government
  • Weather factors

This is where good research is a MUST.

THE RIGHT SNUFF

May 7, 2018


This past weekend my wife traveled to ‘Hot-Lanta (Atlanta) to attend a baby shower.  Other family members went also but I decided, for several reasons, not to attend.  After a long day of working around the house, (I really did.) I decided to get dinner at a local Italian restaurant called Provino’s.  Absolutely great Italian food.   While seated, I noticed a young couple entering and sitting in an adjoining booth at my two o’clock position.  No doubt about this one, they were on a date and apparently their first date.  He was really nervous and immediately knocked over a full glass of water.  The young lady called a waiter and she quickly removed all of the silverware, glasses, plates, etc. and moped up.  After the commotion, things settled down a bit but he then realized he had a chew of tobacco he had to “lose” before going much further.  Well he did the right thing, he excused himself and I assume took the short trip to the men’s room to dislodge the plug.  Not a great start but at least she did not walk out on him and call UBER.  I started thinking about smokeless tobacco and the health effects related to usage and decided to take a look at what we know.

I was actually startled to learn the following facts from the CDC relative to usage:

  • Adults aged eighteen (18) years and older: more than three (3) in every 100 (3.4%)
  • Men: nearly seven (7) in every 100 (6.7%)
  • Women: fewer than one (1) in every 100 (0.3%)
  • Non-Hispanic African Americans: more than one (1) in every 100 (1.2%)
  • Non-Hispanic American Indians/Alaska Natives: more than seven (7) in every 100 (7.1%)
  • Non-Hispanic Asians: fewer than one (1) in every 100 (0.6%)
  • Hispanics: fewer than one (1) in every 100 (0.9%)
  • Non-Hispanic Whites: nearly five (5) in every 100 (4.6%)

The following chart will show the usage.

Smokeless tobacco is definitely a health hazard—a considerable health hazard: *Leukoplakia, oral lesions that appear as white patches on the cheeks, gums or tongue, are commonly found present in smokeless tobacco users. Leukoplakia can be a pre-cancerous lesion which may ultimately produce oral cancer. About seventy-five (75%) percent of daily users of smokeless tobacco will get leukoplakia. (American Cancer Society) Dec 14, 2016.   Researchers estimated that in 2010 alone, smokeless tobacco caused more than 62,000 deaths due to cancers of the mouth, pharynx and esophagus, and more than 200,000 deaths from heart disease. Sep 2, 2015.   You may think that dipping is less hazardous than chewing tobacco but it definitely is NOT.  Overall, people who dip or chew get about the same amount of nicotine as regular smokers. They also get at least thirty (30) chemicals that are known to cause cancer. The most harmful cancer-causing substances in smokeless tobacco are tobacco-specific nitrosamines (TSNAs). Nov 13, 2015.    With this being the case, just how long does it take some users to develop health issues when using smokeless tobacco?  Some athletes have developed mouth cancer after only six (6) or seven (7) years of using spit tobacco. It’s hard to cure because it spreads fast. If not caught right away, major surgery is often needed to take out parts of your mouth, jaw, and tongue.

WARNING:

I’m going to show you several pictures that indicate the results of using smokeless tobacco (dipping and chewing).  These are not for the squeamish so if you need to leave this blog, now is the time to do it.

READY TO QUIT NOW?

HOMELESS

April 2, 2018


The month of March was a very active month for my wife and me.. Four weeks ago, we were in Dallas helping our family recover from the flu. Two weeks ago, we took our second granddaughter to Nashville for her birthday to see the Nashville Predators.  (She loves the Preds.)  Last week we were in Atlanta helping our oldest two granddaughters.  Tell me—what do these three cities and our hometown have in common?  Can you guess? Tragically, the answer is homeless people living on the streets and camping out on any available vacant lot.  In the greatest country on the planet, we have people living hand-to-mouth trying to scrape and fend for food.  In mid-March my wife and I were coming back from downtown traveling on eleventh street.  The waiting line into the Chattanooga Community Kitchen was at least a block long.  The Community Kitchen does a marvelous job and that service comes with great expense.  All funds come from donations and the United Way.

We are told in Matthew 26:11 the following:

Jesus Anointed at Bethany
10Aware of this, Jesus asked, “Why are you bothering this woman? She has done a beautiful deed to Me. 11The poor you will always have with you, but you will not always have Me. 12By pouring this perfume on Me, she has prepared My body for burial.

Today that seems to be more prevalent than ever. Let’s take a look.

  • An individual may be considered homeless when they lack permanent housing and have to stay in shelters, abandoned buildings or vehicles, on the streets, or in other forms of unstable situations. They may also be considered homeless if they have to “double up” with friends or extended family members because they are unable to maintain their own housing situation.
  • More than 500,000 people are homeless in the United States: reports (Reuters) – More than 500,000 people – a quarter of them children – were homeless in the United States in 2016 amid scarce affordable housing across much of the nation, according to a study released on Thursday, Nov 19, 2015.

 

  • Staggering 2.5 million children are now homeless each year in America. This historic high represents one in every thirty (30) childrenin the United States.

 

  • The highest rates of homelessness among states are in Hawaii (465 per 100,000), followed by New York(399) and California (367). The lowest homeless counts per capita come in Mississippi (81 per 100,000), Indiana (94) and Kansas (94). Aug 8, 2014

 

  • Frequently, references indicate that homelessness, as we know it today, is rooted in severe HUD cuts during the early 1980’s. While policy changes did have a large impact exacerbating the problem, homelessness has been documented in America since 1640. In the 1640’s homelessness was seen as a moral deficiency, a character flaw. Nov 16, 2011

 

  • For women in particular, domestic violence is the leading cause of homelessness.  In our country the primary causes of homelessness among families are: (1) lack off affordable housing, (2) unemployment, (3) poverty, and (4) low wages, in that order.

 

  • The Treatment Advocacy Center’s newly updated backgrounder, “How many individuals with a serious mental illness are homeless” examines the percentage of homeless individuals with serious mental illness and their abysmal quality of life. Approximately thirty-three (33) percent of the homeless are individuals with serious mental illnesses that are untreated.  Many of these people suffer from schizophrenia, schizo-effective disorder, bipolar disorder or major depression.

 

  • In Massachusetts and Ohio, twenty-seven (27) and thirty-six (36) percent of people released from mental institutions became homeless within six (6) months.

 

  • Previously hospitalized people were three times more likely to obtain food from garbage.

 

  • Studies show that psychotic individuals are much more likely to get assaulted or threatened while homeless.

 

  • Though officials believe that they are saving money by releasing patients from mental hospitals, there is a significant cost to the patient and to society at large.  “In 2001, a University of Pennsylvania study that examined 5,000 homeless people with mental illnesses in New York City found that they cost taxpayers an average of $40,500 a year for their use of emergency rooms, psychiatric hospitals, shelters and prisons.”

 

  • The last time a global survey was attempted – by the United Nations in 2005 – an estimated one hundred (100) million people were homeless worldwide. As many as 1.6 billion people lacked adequate housing (Habitat, 2015).

 

The U.S. map below just about says it all.  Take a look.

CONCLUSIONS: 

Obviously, I do not know the answer, but surely there IS an acceptable answer to those who live on the streets.  I think about all of the children and the future they have while being homeless.  Wasted potential.  Hopefully we all can think about this and put those thoughts into action.  THERE MUST BE AN ANSWER.


Jeanne Calment was a typical woman of her time. Born in Arles, France, in 1875, she lived a rather unremarkable life by most accounts — except for one thing. When she died in 1997 at the age of 122, she was on record as the oldest person to have ever lived. “I just kept getting older and couldn’t help it,” she once said.

So, what does the extraordinary life of this ordinary woman have to do with us today? More than you might think. In her day, living to be one hundred was extremely rare. But today in the United States, people one hundred and over represent the second-fastest-growing age group in the country. The fastest? Just think of that.  Many sixty-five-year-olds today will live well into their 90s.

Think of it another way: A ten-year-old child today — maybe your grandchild — has a fifty (50) percent chance of living to age of one hundred and four.  Some demographers have even speculated that the first person ever to live to be one hundred and fifty (150) is alive today.

I’m not suggesting that we should expect to live to one hundred and twenty-two (122), but as individuals and as a society, we need to prepare for a time when it is common to live to one hundred (100). We have to create a new mind-set around aging and solutions for helping us to live better as we live longer — what is called  Disrupt Aging. There are three areas where this is really important: health, wealth and self.

HEALTH:  As we think about living to one hundred (100), we simply cannot continue doing the same things we’ve been doing with regard to health. Our health has more to do with the choices we make each day in how we live our lives than it has to do with an occasional visit to the doctor’s office. We’re beginning to embrace a new vision and a new culture of health that focus more on preventing disease and emphasize well-being throughout our lives.  How many Big Mac’s have you had this week? President Trump is said to drink six to eight Diet Cokes PER DAY.  When was the last time you exercised?  How about reducing your stress level? ( Let me mention right now that I’m singing to the choir. I probably need to look in a mirror before launching this post.)  Back in March of 2017, I had a hip replacement.  My recovery, for my age, is right on target.  I know several friends who have had hip, knee, shoulder and even one ankle replacement.  What ails us, if it’s skeletal, can probably be fixed.  The cardiovascular is much more tricky and requires constant vigilance, but it can be done.

WEALTH:  One of the things people fear most about living longer is that they will outlive their money. Unfortunately, for many this fear is a very real one, especially for many younger people who tend to view saving for retirement as an exercise in futility. My mom and dad did just that as a result, I’m still working.  I enjoy working so it’s not drudgery day after day but I’m certainly old enough to retire. Then again, I just replaced the starter on my truck–$598.00. The range in our kitchen was definitely on it’s last legs and I do mean last legs.  Have you bought one of those lately? Go rob a bank.   My parents ran out of money and had to survive on Social Security and a reverse mortgage.  Not good. I would recommend to anyone—look carefully at the reverse mortgage before you sign on the dotted line.   What if instead of saving for retirement, we think of saving to do the things we’ve always wanted to do? In other words, saving not for the absence of financial hardship but for the means to thrive and be able to afford to live the life you want to live — saving for life.  The golden rule here is—-start early—even if it means a few dollars per month.

SELF:  Finally, we need to challenge outdated attitudes and stereotypes about aging. Research shows that our self-perceptions of aging influence not only how we age, but also our health status as we get older. More positive self-perceptions of aging are associated with living longer with less disability.

We need to get rid of the outdated stereotypes about aging and spark new solutions, so more of us can choose how we want to live as we age. For young people, living to one hundred is not a pipe dream, it’s a real possibility. And it’s up to us to help them realize and prepare for it, because Jeanne Calment’s strategy of just getting older because she “couldn’t help it” isn’t going to cut it.

You can see from the chart below—we are living longer. It’s going to happen and with the marvelous medical treatment we have today, one hundred year is not that far-fetched.

 

WORST POSSIBLE

January 26, 2018


There is an expression you have heard time and time again: “You have to bloom where you are planted”.  I think this means you are encouraged to flourish where you are and try to make the best of any situation until you can change that situation.

One of the best books I have read recently is “Hillbilly Elegy” by J.D. Vance.  It details the story of a family having to move from Appalachian Kentucky to Ohio.  In his words, their family was “dirt-poor” and when jobs vanished they had to move just to survive.  Mr. Vance’s grandparents, aunt, uncle, sister and most of all, his mother struggled profoundly with the demands of their new middle-class life.  It’s a very insightful book and one I can highly recommend to you.

Let’s face it, there are good places to live and not-so-good-places to live in the United States.  A recent Gallup survey basically tells the tale.

If you live in Illinois, Connecticut or Rhode Island, the chances are you know someone who is not happy. Not happy at all. Around a quarter of the population living in these regions have described them each as the ‘worst possible state to live in’, according to a Gallup survey. The map data doesn’t explain the nature of the residents’ grievances but that map, according to the Gallup Survey, is given below.

While twenty-one to twenty-five (21-25) per cent of people ranked these three states as the ‘worst’, Louisiana and Mississippi also featured prominently – with seventeen to twenty (17-20) per cent describing the two southern states as the worst.

On a positive note, ten states had only one to two (1-2) per cent of their population who weren’t happy: Utah, Colorado, Wyoming, Texas, North Dakota, Minnesota, Iowa, Wisconsin, New Hampshire and Maine. Apparently weather was not a significant factor in their happiness.  If you look at individual cities, we find the following, again according to Gallup in the list below.

If you want to lead a happy life, Boulder, Colorado, it seems, is the place to be – because it was named as the happiest city in the U.S. last October.  It topped a list of twenty-five (25) of America’s happiest cities, revealed in the book The Blue Zones of Happiness, by National Geographic Explorer Dan Buettner.

Along with National Geographic and Gallup, he developed an index to measure a population’s happiness based on fifteen (15) metrics including civic engagement, walkability and healthful food options.  Boulder tops the list with walkability, access to nature and sense of community being contributing factors to its residents’ happiness.  The metro area of Santa Cruz-Watsonville California came second in the list, followed by Charlottesville, Virginia, Fort Collins, Colorado, and San Luis Obispo-Paso Robles-Arroyo Grande in California. California is clearly a dreamy place to live, as eight of its cities, including the metro areas of San Diego-Carlsbad and San Francisco-Oakland-Hayward, make the happiness list.  Let’s now take a look at that list.

If we look at population densities by city, we find the top ten (10) as follows:

You will notice that number seventeen (17) on our most popular list is also on the most-dense list. San Fran must be a great place to live. I know, having repeated experience with Atlanta traffic, LOVE TO VISIT, but would not want to live there.  Great place with lots to do but the traffic is a real bummer.

As always, I welcome your comments.

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