Tuesday, November 16, 2021

It's Not Baby-sitting Anymore


It’s not that time simply flies by. It’s more like a booster rocket carrying your life and daily events along with it. One moment, you’re holding your first born grandchild in your arms and the next she’s going to homecoming with friends. Where the heck did time go?



We affectionately call them the ‘Colorado kids’ because they were made for that state. They’re at one with the outdoors, the mountains high and the adventures it brings to their lives.


Sharon and I have been going out to Colorado every year for over fifteen years, minus last year with Covid. The routine is usually the same. Brian and Amy give themselves a week or long weekend away from home and Nana and Papa become the new semi-parents in town. The grandkids love it as much as we do.


As this stage of the game, I know the greater Denver area pretty well. So when Amy gives me her elongated list of the kid’s games, practices, scrimmages and lessons, I usually know where I’m going. It’s changed over the years with specific sports and locations but it still fills up usually six out of seven days and some evenings. That is not counting school activities and social events.


The kids love my chauffeuring skills since it usually includes spotting out of the way garage sales, Cold Stone Creamery, their favorite drive-thru, and parks to play in. Sharon loves garage sales because the kids know they have to negotiable for any item they want to purchase or Nana won’t be happy. Brian and Amy (especially Brian) just grits his teeth when the kids come traipsing home with their ‘treasures’ bought for a dime on the dollar.

Over the years, some things never change according to the mantra from Nana



Our last visit to Colorado in September was heavy with familiarity. It began with an early morning Lacrosse game, several soccer games, gymnastics and plenty of time for art lessons.



Spencer continues with his gymnastic lessons and is progressing like his father did years ago. Maya’s Lacrosse game started at 6:15am Saturday morning (warms up) on a wind-swept hilltop in shroud-covered South Denver. Veteran parents came equipped with thermos of some kind of liquid, hoodies, and blankets. Fortunately, at the last minute, I had switched out my shorts for jeans and a fleece.

By the time we took Samantha to her first soccer game later on that morning, it was bright and sunny and we were shedding our jeans, jackets, and blankets from earlier in the morning.

Sharon outdid herself this time with her art lessons every day.



But this year it was different. We were no longer the grandparents baby-sitting the grandchildren.

Sharon and I were struck by the resiliency and maturity of these three kids from years past. We no longer had to chide, coercive or bribe them to go upstairs to take a bath and get ready for bed. We no longer had to argue against more time playing outside or engaged in card games. When it was time for bed, it was time for bed.

The grandkids are growing up…much too fast. That includes the Minnesota pair too.


I think it hit both of us this fall in Colorado. Sharon and I still got to kiss the kids good-night. We still got to feel their warm soft pajamas, wet, just washed hair in our face and loving embrace that only a grandchild can give a grandparent. But it was different this time around. It’s wasn’t baby-sitting anymore. It was being there for them, with them, and alongside them. They could now take care of themselves and we were only the adults in the room to make sure daily routines got done.

Tuesday, November 9, 2021

Book of '61


I’ve traversed another milestone of sorts. It’s been sixty years since I graduated from high school. That thought came to mind when I gathered this summer, along with former classmates, for our 60th class reunion. It was a quiet affair, almost an afterthought, in its brevity and lack of formal proceedings. Yet a glance at the list of those who had passed reminded all of us present that we did make it to another one of life’s benchmarks.


Twenty years earlier, our 40th class reunion was another quiet affair held in one of the classrooms back on campus. Only a few of our classmates had died and the rest of us were knee deep in work, raising kids, and just getting on with our lives.



The 50th class reunion was much better organized with an initial meeting at the school and then a gathering on the State Fairgrounds the next day. That second day included spouses and partners which always made the conversations more interesting.



Our 60th class reunion was held on a Saturday afternoon at a local ‘old school’ restaurant that was even older than my classmates. It was preceded by a golf outing the day before for those of us who can still drive a golf cart and swing hard at the little white ball. Even the invitation hinted at the fact that this might have been our last class gathering.



Down through the ages, say every ten years or so, I found it was fun to go back and peruse my  Class of ‘61 yearbook. Perhaps it was my growing maturity that made the journey back in time so reflective. Those sorties proved even more interesting for the budding writer in me. Oh, my, what a life it was back then.

There was a definite caste system in place at the school. We all knew who the elite were among us. Since we were part of the ROTC (Reserve Officer Training Corp) program on campus, those gifted students were naturally the officers in our military ranks.



A glance at the two page spread of ‘most likely to succeed’ revealed an insider’s guide to those in the know.  For the rest of us, perusing the yearbook proved a time capsule of moments and memories which some of us shared and which left others feeling clueless. I was probably wandering around in the middle of the pack.






Overall, the yearbook has proven an invaluable tool to reconstruct moments out of my past.

After our 60th class reunion, several of my old classmates decided we needed a physical memento of that milestone. They wanted to create a booklet entitled ‘Cretin Book of ’61.’ We all received a letter inviting us to write down our memories of life at Cretin in a sentence or two. Recording my memories of high school in a sentence or two seemed beyond impossible. So instead, I wrote the following comments:

1.     My best memories of Cretin have faded over time. They occurred in the classroom, hallways, dining hall and home room. To summarize what Cretin meant to me I can only say:

2.     Extreme introvert, raised in a single parent household, is given the chance of a lifetime to attend Cretin High School. Although not on the college track, he graduated, finished college, worked in television for many years before starting his own business in video production and distribution. 

3.     Finally retired about twelve years ago, he started a new career as a writer of novels, novellas, plays, screenplays, children’s books, and more than 600 blogs.

4.     Thank you, Cretin.

They probably won’t print my statement and that’s OK. It’s said and done and complete. I’ve had a great life and my experiences at Cretin High School played a large part of it.

Upon reflection and exchanging war stories with a few of my classmates, I came to realize that our class was really the end of an era for the school. Up until that point, previous classes had all come out of the great depression, World War Two, and the economic recovery of the fifties. But all of that was about to change.


In early 1957, more than six hundred eighth grade Catholic boys applied for only 325 spots in the 1957 freshman class of Cretin High School. As it turned out, the senior class of 1961 was the last to choose from that large pool of candidates

By the mid-to-late fifties, Archbishop Brady had decided to expand the presence of Catholic educational opportunities in the Twin Cities. This strategic decision, along with the growth of first and second tier suburbs, effectively meant the end to the availability of a large citywide pool of freshmen candidates for Cretin.



Up until that point, there were only a couple of Catholic High Schools in the Twin Cities. St. Agnes, Delasalle, Cretin and St. Thomas Academy. Delasalle was in Minneapolis. St. Agnes served the east side of town and was more conservative than the others. That left Cretin and St. Thomas to dip into a large pool of Catholic young men.



St. Thomas Academy was located on the campus of the College of St. Thomas and primarily served upper middle class and upper class families. Cretin drew from a large pool of middle class, upper middle class families and those who filled in the ranks of the non-college track as opposed to the college-bound track of studies.


Unlike a lot of my classmates, my school days were bookended by my twice-a-day paper route, which for the most part, eliminated any afterschool activities or sports. That didn’t mean I led a cloistered existence. I think I went through all and even more than the normal calendar of emotions that are a part of any high school experience.


Cretin was a military school and that played a big part in the overall tough discipline of the place. The fact that there were only male teachers and Christian Brothers helped solidify that attitude and atmosphere.

Two notable Christian Brothers highlighted the diversity on campus at that time. Brother Wilfred and Brother K. Mark were both unique in their own way.  Brother Wilfred, with his heavy German accent, related to the average student. He openly smoked (strictly forbidden on campus) in his uniform storage area and occasionally would let some errant student do the same. He was approachable and understanding.


Brother K. Mark, on the other hand, only associated with ‘the best and the brightest’. He made no bones about the fact that he was one of the elite and would only preen, prepared and indoctrinate those of his own social and intellectual class. Needless to say, I didn’t qualify to be a part of that peeking order, not even close.



At the time, there were only two all-girl Catholic High Schools we thought to mingle with; Our Lady of Peace and St. Joseph’s Academy. Both institutions produced smart attractive young women and the sometimes object of our immature lustful glances; at least from some of my classmates.


Coming from a very dysfunctional background and a family structure devoid of love and affection, I fell hard for my first girlfriend. Like so many high school romances, it was a roller coaster of emotions best summarized by her poignant comments in my yearbook just before the whole thing crashed and burned.

I find it remarkable (although my wife doesn’t) that I never felt left out or different even though I was never on the college-bound track of studies as opposed to my friends and girlfriend. In my mind, I was going to college just like all of my friends…and I did.



Fast forward and I can look at a long list of doctors, lawyers, business executives, military officers and industry leaders who were a part of the class of 1961.  Those were the elite chosen ones and then there was the rest of us like flotsam that followed in their wake. Most of us were also very successful but in our own unique ways. Together we all learned under the same tough discipline, structured routines, self-motivation, and pride of being a member of the Cretin High School class of 1961.




Tuesday, November 2, 2021

Happiness In Retirement

Some would argue that I am, in fact, retired. I would vigorously debate that stance and explain that I’ve found a new career in writing. So from my perspective, I am still working. Working status verses retirement status aside, I did find a fascinating article recently on one of the websites I visit every day.

Financial Advisor web site

FA, Financial Advisor Magazine, always has a myriad of articles of interest to investors and financial advisors alike. It usually leans heavily conservative and Republican. Its audience (I’m guessing) consists mainly of veteran as well as new generation investors. Articles range from the latest bitcoin offerings to government regulations to newfound strategies for investing. The magazine and its website prides itself on its forward-looking stance to the world of finance.

I read the bulk of its articles with a healthy dose of curiosity more than anything else. I am not, by any stretch of the imagination, an experienced or knowledgeable investor. Despite that, I can smell hype, controversy, and right-leaning attitudes when I sense them. I take everything I read on the site with a healthy grain of salt and pepper.

Knowledge is power and I trust my financial planner to have my back. Years ago, I was lucky enough to hook up with a solid financial advisor who steered me into conservative-yet somewhat aggressive stocks, bonds and mutual funds. All I can say is that it’s worked well for Sharon and me for more than twenty years thus far.

So I was surprised when I came across an article in ‘Financial Advisor’ that I thought hit the nail on its head with a ballpeen hammer. It appeared in the October lst issue of FA and was written by a Ms. Jennifer Lea Reed. She is either a genius or dedicated researcher because I think she hit a homerun with her article for its insight and honesty.


The article begins by stating: “If you’re looking for happiness in retirement for yourself or your clients, you can forget relationships with adult children, buying a slick car to cruise the cul-de-sac or lounging at a beach cabin in Mazatlán, Mexico.”

Then she goes on to say: “Instead, there are only three categories that lead to satisfaction—when you have enough money, when you have relationships with your peers and community, and when you have your health. These three things might seem different, but they have one critical thing in common: They all require investment before retirement.”


Then she goes on to explain that this was the upshot of a panel dedicated to finding happiness in retirement which was held at Morningstar’s Investment Conference held recently in Chicago. She added: In order to assess trends in what’s important in retired life, Michael Finke, professor of wealth management at the American College of Financial Services and a researcher in the areas of retirement spending, life satisfaction and cognitive aging, looked to a data  known as the ‘Health and Retirement Study.’


Michael Finke then continues: “This was a study of 20,000 retirees that began in 1994, and we followed them up to 2018. When we ran analyses on life satisfaction, what we saw was that there are three core elements to life satisfaction. I like to call them the Three Pillars of Life Satisfaction in Retirement,” Finke said. “The first pillar is money. Having more money does make you happier, and it seems to have a relatively linear effect up to about $4 million.”

Now this is where I have to pause for a moment. After Sharon and I had set aside enough money for our two kids college tuition, we only then began to focus on saving for retirement. Back then, the figures need for retirement ranged from seven hundred and fifty thousand dollars to more than a million dollars set aside for our golden years.

Our financial advisor had the correct answer. ‘What will your lifestyle be like in retirement and what will that cost you on a yearly basis? he asked. For example, if you need fifty thousand each year, then what lump sum do you need in investments in order to take that amount out each year? We had our answer.


I think today the lump sum need for a comfortable retirement varies with each couple or individual and I’m not sure four million dollars is the correct answer. On the other hand, the other two pillars of success (according to this study) were spot-on!

Professor Finke goes on to say: “All of these three things are investments. And what I mean by an investment is it’s anything you sacrifice during your working years in order to live better in the future. So our health is an investment when we exercise and eat better,” he continued. “Relationships are an investment, and this is something that as an economist it was a new way for me to think about relationships. That what you’re doing during your working years is not just accumulating money to live better.”




I realized years ago that ‘health was wealth.’ As I get older, I find more and more friends and associates who are experiencing health issues. The bottom line is that their bank account or cabin up north or new car in the driveway means absolutely nothing to them when they’re sitting on their sofa in pain. And if they are sitting that alone, the pain only increases exponentially. Friends can make all the difference in the world.



I think that’s one reason why I’ve found myself blessed with such wonderful chat buddies each summer with my ‘coffee and chat’ sessions. Writing and associating with other writers, theater people, artists, musicians and actors only enhances those experiences.



I think it was the gist of the article that gave me such satisfaction. Its main emphasis was that these three pillars are not hard to attain goals, aspirations or summits to climb. It simply means saving for retirement, collecting a cadre of friends and associates and living a healthy lifestyle. If you can do those three things, then retirement should loam in the distant future as another new avenue of adventure, exploration and personal satisfaction in your golden years.

·       Some paragraphs were taken from an article entitled: ‘ForHappiness in Retirement, Forget about your kids and the fancy car, advisorssay.” By Jennifer Lea Reed. October lst, 2021