Issue 84 March 2022
Featured Story

Just finished reading "Love Partitioned"
by Manjula Waldron. A grim reminder of India’s fight for independence and women's rights.
Having lived in Madras, India from 1966-68 as a Peace Corps teacher, I witnessed firsthand some of the customs mentioned in the book. Girls not allowed to attend school. Women forced to sit in the back of the bus, to walk behind their husbands and to eat alone after serving their husbands. Many women were treated as second class citizens. Men were “gods” and not to be disobeyed.
The story is about India’s bloody 1947 independence leading to the partition of Pakistan. It's also about Hindu India culture and customs that kept many of their women uneducated and forced into domestic bondage.
It's also about the love “partition” between Mangla, a Hindu girl
who befriends Basanti, a non-Hindu (Anglo-Indian) of a similar age attending the same university with the same goal--lifting women
from oppression through education.

This is a heart-wrenching story of the fight for freedom and equal rights for women. The story is fiction but fact-based. Truth is often stranger than fiction.

--Larry Hayes, A050 CEO/Publisher

P.S. To order a copy of "Love Partitioned", go to:
"Love Partitioned"

By Manjula Waldron

75 years ago as a young child of age 3 to 4, I lived through the partition events and ordeal. These are vivid in my psyche and were interfering with my well being in the form of PTSD.

I figured if I didn’t tell this story there are not too many living souls who can do so. My parents through their trauma wouldn’t talk about events that occurred. Hence, I needed to do a lot of research about what took place to validate my memories and to write.

Even then the last five or six chapters in the book were difficult to pin down. With the guidance from my mentor/editor, I did persevere, although it was impossible to write as nonfiction as my body wouldn’t allow its expression. Fiction allowed me to write as a cinematic director, hence, get my trauma out of the picture in order to write.
The novel is fiction based on historical facts and writing is action
filled like a movie.

Q: You grew up in India during turbulent times. What do you remember the most?

I take it you mean independence, partition and until Gandhi’s death. My most vivid memories are of smell of dismembered and charred bodies on stations.

Contrary to our usual travel, I was not allowed to get off on the stations during our escape in 1947. This is documented in the book
as Mina’s travails in their escape to Delhi.

The smell of charred flesh haunted me when I was pregnant with my son at Stanford University in summer 1969. The BBQ smoke pervaded the air with charred steak. Smells I could not get away
from. I lived in vegetarian communities in India and no smell of steaks ever tormented me growing up.

I remember the fires and riots around our house. The scene of slain bodies next to our house and the Tonga (horse cart) in the hate crimes chapter is vivid.

When Gandhi was shot, I remember walking past his body with my parents in the big maidan with the garland and bullet hole in his body as all the adults around me cried and touched his feet in reverence. Then his body was loaded on the truck and we wished him on his
final voyage to the cremation ground.

Being There "In Person"

A "Must Do" During Healthcare Crisis

By Evelyn (Evie) Preston, The Money Lady

Like many seniors, my later years encompassed caregiving—
my husband at home and my brother across country.

In both cases, I have amazing anecdotes proving the power of advocacy with doctors, hospitals and other services—a gift to loved ones. I also cheer the personal and efficient end of life hospice care each received—a gift to everyone.

“Being there” in person, via phone, online or by letter while staying consistent, firm and considerate is a must-do during healthcare contingencies. It keeps us prepared for whatever comes and will be. Facts, costs and patient wishes all add to effective advocacy and
final decision making.

Q: In addition to HIPPA privacy restrictions mentioned in February’s Scoop, what are some other medical areas to
better understand?

Organ donation which has been pushed as sorely needed to
extend life—kidneys, livers, hearts—may be a victim of its
successful research and education to date. In the zeal to provide transplants for the long queue of worthy recipients, there’s concern about the possibility of hastening medical death for expediency.

Horror stories abound of “harvesting” human organs in other countries. With advanced medication to avoid rejection adding to
the ever-growing demand, the wealthy can pay thousands but not
the mainstream or poor who may be left out.

Whether considering a life-giving donation or a lifesaving need, careful research into the pros and cons of organ donation/receiving
is required as well as assessment of the legitimate institutions and services who use and provide them. Cost is always a consideration.

Q: What are the main issues encountered in End-of-Life options?

An empowerment organization, Compassion and Choices, helps people plan ahead to match life’s end to the life they’ve always enjoyed via love, purpose, grace and dignity. The goal is to empower people to obtain the care they want and need during serious or final illness. The organization recommends a book, Finish Strong by Senior Advisor Barbara Coombs Lee that helps: take control, act as positive advocates for ourselves and others, navigate choices, obtain free consultations and understand various states’ options. Check out
their online guide and toolkit of ideas. Cost is part of the equation.

Q: What’s the difference between palliative and hospice care?

Misconceptions abound. Palliative care is designed to improve one’s quality of life short or long term. Its diverse support keeps patients in control as they deal with chronic illness, debilitating therapies and other medical conditions that require assistance and maintenance. This usually takes place at home. 

Hospice, at home or elsewhere, helps meet and treat the conditions and challenges at the end of life. The cost of each service may be
all or partially offset by Medicare and insurance.

Dispelling myths about end of life care requires homework before
the need arises. From basic U.S. law to personal choice, treatments and hospitalization reflect family and spiritual input—the road to
successful outcomes. Knowledge is not only power but comfort and support for patients and family.

Q: Does Medicare also cover long-term care?

Medicare and most health insurance plans do not pay for long-term care. I’ve noted before that separate LTC policies require close scrutiny due to: premium costs, age, changing rules, plan amenities and restrictions. While LTC is effective coverage in dire cases, becoming self-insured (savings) covers funding for most people.
As always, staying healthy and active can greatly offset “long-term” care needs as we age. 

Evelyn (Evie) Preston is a financial columnist for A050 and worked as a financial advisor for over 25 years. Reach her at 650.494.7443.
Why Should I Work With a Senior
Real Estate Certified Realtor?”
A Senior Certified Realtor works with Seniors and their families in determining their housing needs and guiding them as they navigate through the home sale process. Providing support and
the resources necessary for a smooth transition.
 If you are thinking about selling your home and asking yourself,  
"where do I start?" Or, if you are looking forward to downsizing
and no longer wanting to maintain a home due to cost or the constant upkeep, a Senior Real Estate Certified Realtor can help.
Letting go of a beloved home where years of happy family memories were built has to be one of the most difficult decisions one has to make in one's lifetime.
“Mercedes not only beautifully represented me as we went through the process but she made the journey with me in every way. She did everything right leaving no detail overlooked from staging, pricing, timing and negotiating."
“Thus, leading to a multiple offer sale and sold in a week. In choosing Mercedes I not only found the perfect agent but a caring, lifelong friend."--Wille L.
Feel free to call me today if you have any questions or would like a
no obligation consultation and Property Valuation. I can help! 
Call 650.766.3910. Email: Visit:
Mercedes Roses is a Gerontologist and Realtor® at Compass. 
DRE 01748726.
Declutter Your Life
And Home

By Alice Robertson

Decluttering your home can have multiple benefits from giving your mental health a boost to making your home safer. But getting started can be overwhelming for many people, especially those with large collections or little space.

These days, it’s important to consider how you can make cleaning up as eco-friendly as possible to prevent items from ending up in a landfill which is a major contributor to global warming.
There are several ways you can make the decluttering process a green one from recycling or repurposing items to selling and donating things you no longer need and the benefits are numerous. After all, with a cleaner, safer space, you can remain active and make some healthy changes that will elevate your quality of life.
Consider your options
Cleaning and decluttering is often a task that seniors tackle when they’re thinking of downsizing and selling their home.
If this option is on the table, look for ways you can turn the process into a staging opportunity. Donate or sell pieces of furniture you’ll no longer need in your smaller space and open the windows to let in some fresh air and sunlight to reduce your energy consumption as you clean.
If it’s in the budget, upgrade appliances and windows to energy-efficient versions and look for a local program that will pick up the old items to recycle them.
If you do choose to make big improvements, hang onto your receipts and take before-and-after photos to prove the changes to potential buyers.

Keeping Healthy

March Is National Nutrition Awareness Month

Nutrition is always essential to your health—especially as you get older. Although eating well isn’t always easy, it helps you keep your body in good shape and may help you prevent certain medical conditions in the future. Nutrition is something that not only encompasses what you eat but it is also the nutrients and vitamins essential for you to thrive and stay on top of your health.
Food is an essential part of a good nutrition plan. Eating a variety of whole foods is the key to maintaining a healthy weight and body.
According to the Centers for Disease Control, a healthy diet

• Staying within your daily calorie intake
• Plenty of fruits and vegetables
• Emphasizing whole grains over processed 
• Plenty of healthy proteins
• Nuts and legumes
• Meals low in saturated fats and trans fats
• Meals low in added sugars and cholesterol
It’s easy to get caught up eating processed foods such as chips and sweets but they can wreak havoc on your overall health and weight. Moderation is the key to good nutrition. Making sure your daily food intake is healthy and made up of whole foods can help you reduce your risks of medical issues and help you age more gracefully.

Physicians Medical Group of San Jose is the largest independent physician’s association in Santa Clara County. We have been part of
the community for 40 years with more than 1,000 doctors in 460 offices plus we speak 30+ languages. Call 888-988-8682 or visit
for more information.

Senior Independent Living Community With a Flair

Senior living doesn't get any better than living at Chateau-Cupertino whether you're in retirement or just ready for the next great phase of your life. Enjoy a home-life environment in your own senior apartment with three fresh served home-style meals daily.

Housekeeping and laundry services, all basic utilities, great activity programs, game rooms and transportation--all included starting at $3,000 per month.

Located in the heart of Silicon Valley, Cupertino is one of the best places to live in CA--home to world famous Apple company.

Come and see for yourself. Schedule a Tour Today! Call 408.446.4300. Or email:


 By Larry Hayes, A050 CEO/Publisher

"You Look Good For Your Age"

A compliment or ageism?

--Jane, San Jose, CA

Recently, a tennis friend made a similar comment referring to my tennis game not my actual “looks.” As an active USTA tennis player
at age 82, I took it as a compliment.
But I also understand it can be taken as a form of ageism and a backhanded compliment on the basis of age. I also get asked:
“How Old Are You?”
I’m okay with that question, too, although people shouldn’t ask
your age unless needed for a legitimate reason. It is considered
rude and inappropriate to ask a woman her age but most men
don't mind revealing their age including me.
I consider “you look good for your age” a compliment. My reply:
“You look great for your age, too.”
Got a Question? Ask me anything. If I don't know the answer, I'll ask someone who does. Email me at ASK LARRY
is written by Larry Hayes, CEO/Publisher of A050.

The Villages Golf & Country Club 
7799 Prestwick Circle
2 bedrooms, 2 baths, 2 car garage
1265 sq.ft.
Purchased by long-term tenants

"I'm a long time resident of The Villages Golf & Country Club and specialize in senior living in the community. It's wonderful to make dreams of home ownership possible for a tenant!"

Call me today for a tour and more information.
Carla Griffin, your Village specialist. 408.274.8766

For a video tour of The Villages, go to:

The Villages is a 55+ senior living community in San Jose, CA.
Your Local
With over 15 years experience right here in
Silicon Valley, I can help answer your questions

Q: Will the bank own my home?
The bank does not take ownership of your home; they simply extend a loan
to you. You continue to own and live in your home and are responsible for payment of property taxes, required insurance and if applicable, HOA fees.

Q: Do my children/family members lose their inheritance?
No, a borrower may designate an heir of their choosing.The heir(s) will inherit the home after the last surviving borrower passes away and may then choose to keep (by paying off the amount of reverse mortgage balance) or sell the home. Should they choose to sell, any remaining equity after paying off the loan (minus interest and fees) would be theirs.

Q: What is the lending limit of the HECM reverse mortgage?
As of January 1, 2021, it increased to $822,375. Which means it's very likely you can qualify for more money.

To learn more, call me today: 408.722.0010 

Marilyn Brown Ross Branch Manager & Reverse Mortgage Professional NMLS #453436/1221981 Visit Email:
Don't Prioritize Your Looks.
They Won't Last The Journey

Your sense of humor though will only get better with age.

Your intuition will grow and expand like a majestic cloak of wisdom.

Your ability to choose your battles will be fine-tuned to perfection.

Your capacity for stillness, for living in the moment, will blossom.

Your desire to live each and every moment will transcend all other wants.

Your instinct for knowing what (and who) is worth your time will grow and flourish like ivy on a castle wall.

Don’t prioritize your looks my friend, they will change forevermore. That pursuit is one of much sadness and disappointment.

Prioritize the uniqueness that make you "you" and the invisible magnet that draws in other like-minded souls to dance in your orbit.

These are the things which will only get better with age.

--Author Unknown

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Enjoy A Longer, Healthier, More Meaningful Life

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