Issue 71 February 2021
At Age 84, Why Did A "Big City Girl" Pack Up And Move To a Small, Rural Town In Texas?

Conversation with ArLyne Diamond, Ph.D, President & Founder of Diamond Associates--Larry Hayes

I got to know ArLyne Diamond through her monthly newsletter of many years: "Diamonds To You." A prolific writer and author of six books, she lived and worked in the San Francisco Bay Area for many years as an educator, therapist, forensic expert and consultant. When she moved last year to Montgomery, Texas--a small rural town of 1,500--I wondered if she had lost her mind. This is her story.

I was born and raised in The Bronx in New York City and worked
there in Manhattan for many years. I was a receptionist, show room model, magazine model (my hands) and in my next job, secretary
and executive secretary. I next worked for an International Distributor of Hospital Supplies (IPCO) in credit and collections and started the first ever Customer Service Department – which I managed in an era when it was very rare for a woman – let alone a young woman in her early 20s – to be in management.

I left IPCO and New York on a whim and moved to Los Angeles and later to the San Francisco Bay Area more commonly known as Silicon Valley where after working in offices days while going to school nights, I became a therapist and later a consultant. While working nights, I earned my AA degree, Bachelor’s degree, two Master’s and my Doctoral degree in Psychology.

After living so many years in the SF Bay area and seeing so many
of my friends move away and/or die, I got lonely and itching for a change. Friends of mine in Montgomery, Texas were inviting their friends to come to Texas and get away from the craziness of Silicon Valley. I think Covid had something to do with it as well because it added to my lack of social contact and loneliness. 

So at great expense, I packed up and moved to Texas.

Q: The good and bad of living in rural Texas?

Prices are much lower than in California. All restaurants and stores are open for business. Unlike California, it does not look like a war zone.

I bought a charming little house in a gorgeous gated community just
a block away from a lake. My friends live just about a mile away and we see each other often. There is great charm living in Texas. People are genuinely friendly and courteous. The workers that I have hired are all a wonderful combination of cowboy and Southern Gentleman (Ma’am.)

However, I hate the isolation. I hate that I am five miles away from
the nearest store. I hate that I have to drive more than a half hour to other stores. What did I do to myself?  All I could think about was being near my friends. I’m just starting to join associations and meet new people. That will help considerably I know because, just like Barbra Streisand “I am a person who needs people."

Q: What was it like living through the deadly winter storm?

Rural Texas!  Two days of power outages, no heat, no electricity,
no computer, no cell phones, no company. This would never have happened in Santa Clara, California where I left just a few short months ago or The Bronx, New York where I was raised. The
people are wonderful but the infrastructure needs a lot of help.

Q: What drives you to continue to work when many people of your age are retired or dead?

I would shrivel up and die if I didn't have the stimulation of learning and doing new things.

(Click Here to read more of ArLyne's challenging life in rural Texas.)
March Is National Colorectal
Cancer Awareness Month

Did you put your colorectal cancer screening on hold during the pandemic? Now it’s even more important to prioritize your health
and schedule your screening. Our focus this month is on colorectal health and living a lifestyle that can help prevent colorectal cancer. Colorectal cancer is one of the leading causes of cancer death in
the United States. The following tips can help with reducing your risk.
Healthy Diet
Consistent evidence shows diets high in vegetables, fruits and
other plant foods reduce risk for many diseases including colorectal cancer. Diets high in red and processed meats have also been linked to colorectal cancer. Try to keep your red meat intake to 18 ounces (cooked) per week or less. Processed meats, on the other hand, should be avoided if possible.
It’s estimated that 30 to 60 minutes of moderate to vigorous physical activity per day is needed to protect against colorectal cancer. Exercise also helps you to maintain a healthy body weight which reduces your risk for colorectal cancer.
Family History
A family history of colorectal cancer puts you at an increased risk
for the disease. If you have a family history, you may need to be screened at age 40 or 10 years before the youngest case in your immediate family, whichever is earlier.
Avoid Alcohol and Cigarettes
If you do choose to drink alcohol, try to limit your consumption.
Long-term cigarette smoking is also associated with increased risk
of colorectal cancer.
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.
Remodeling Your "Forever Home"
As adults in the Bay Area opt to “age in place” in order to live independently in their homes for as long as possible, it is important
to consider what accommodations you will need to add or revise to your home to make it a safe place for you.

Designing your home to age in place can seem like a very daunting task, we understand! Finding a design/build professional to help you from start to finish will help take the load off of your shoulders and ease your transition into the next stage of your life. Contact us at or call us at 408-323-5300.

 --Larry Hayes, A050 CEO/Publisher
"Whom Should
I Trust?"

Q: "I have some extra money to invest but wary of so called financial experts. I remember 2008 when the markets collapsed and our nation was on the brink of a financial meltdown because of greedy investment bankers. Whom should I trust?--L.W, San Jose, CA.

Always trust yourself first but don't be afraid to seek financial advice from others. Many people forget that 13 years ago our nation experienced the
worst economic disaster since the Great Depression. Housing prices fell
31.8 percent and unemployment soared above 9 percent. It was scary times then and scary today with Covid and high unemployment once again.

However, to do nothing and stash your money in a saving deposit or under your mattress is not a good financial strategy either. Those in retirement need some decent rate of return on their money.

I'm not a financial expert but some of the best information on financial retirement is Jane Bryant Quinn's bestseller: "How To Make Your Money Last: The Indispensable Retirement Guide." It's not a new book but the information is still relevant and timely today. Highly recommended.

Q: Next year, I turn 67 and plan to retire. Any advice?
--J.W, San Francisco

• Can you continue to work? By delaying your Social Security benefits until 70, you gain an extra 8% every year in payment. 8% return is hard to beat in any market.

• Have you estimated your Social Security benefits? Visit the Social Security website at and create your personal "My Social Security" account. Great, helpful tool.

• Have you prepared a budget? Your income will be less so you need to
spend less, right?

• What is the Next Chapter in your life? Taking long vacations and playing
golf are NOT enough. Find a reason to get up in the morning. Work part-time. Start a new career or your own business. Learn, try something new. Get involved in your community. Volunteer. Doing nothing often leads to boredom, depression and an early death.
Got a Question? Ask me anything. If I don't know the answer, I'll find someone who does. Email me at ASK LARRY
is written by Larry Hayes, CEO/Founder of A050 ActiveOve50.
Hair Today! Gone Tomorrow!
The creative genius behind Under Cardiac Arrest comics is John Donaghue, a talented art director from San Francisco. He has created dozens of comics depicting the frolics and life of older adults.

For more laughs, go to: UnderCardiacArrest
The Upside Of Living Longer
By Evelyn (Evie) Preston
My recent Scoop interview and positive “at home” year encouraged seniors to look and plan ahead so the “best is yet to be.” Ditto the January 8, 2021, Palo Alto Weekly review of Stanford University’s Longevity Project, “The Upside of Living Longer.” And yes, there’s a financial component.
Q: How much longer are Americans now living than
a century ago?
30 years longer! "Among the greatest opportunities we’ve had in human history” according to Psychologist Laura Carstensen, founding director of Stanford’s Center of Longevity. “But it’s up to us,” she says, “to use and improve the quality of life…at every stage of life.”
Q: Why are seniors becoming more important?
Besides accounting for more than 50% of consumer spending-- so important for our economy--adults over 50 hold 83% of household wealth—a huge market!
Q: What’s changing the most with older adults?
This age group is beginning to attract “A-level entrepreneurs,” many reinventing old business models and themselves. For example, enterprises like Wider Circle alleviate senior loneliness and Honor specializes in home healthcare. The Kauffman Foundation cites a list of well-known companies from Home Depot to Netflix founded by over 50s, many ages 60 plus. Check the internet for similar success stories.
Q: Why do older adults excel in new enterprises?
Seniors who are skilled, determined and ambitious learn from past failures, stick with it through setbacks, bankruptcies, etc. and manage to rise again.
Q: Aren’t we a youth oriented society that devalues older people in our society?
Iconic global brands, even with youthful images, look to an aging, affluent customer base devising new ways (“stealth marketing”), to retain this group. BMW markets to younger buyers but changed interior dash design for their average—older—new car owners. Nike (and its 82 year old owner) is reaching out to the 60 and 70 year old with “athlete forever” geared products.
Q: Is money the main answer to senior success? 
It helps. But a lifestyle of healthy habits, staying active and appreciating what’s with us all the time matters most—family well-being, keeping engaged and capitalizing on past strengths prove the most rewarding. Works for me!
 Evelyn (Evie) Preston is a financial columnist for The Scoop and has worked as a financial advisor for over 25 years. She can be reached at 650.494.7443. Her book:
Memoirs of The Money Lady is available at

Eating Disorders Don't Just Affect Young Women

Did you know that eating disorders are occurring in people of all ages including many over 50?

Eating disorders are not a choice. They are a disease that can get triggered in men and women at any point in life. If you or someone you know is struggling with eating and body image issues, please reach out for help.

The Eating Disorders Resource Center (EDRC) is here for you. We offer resources, including education, help accessing treatment and free support groups for those struggling and their family members.

To learn more, email: Call 408.356.1212. Visit
With over 15 years experience right here in Silicon Valley,
I can answer all your questions.

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.

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.

To learn more, call me today: 408.722.0010 

Marilyn Brown Ross
Branch Manager & Reverse
Mortgage Professional
Inside SCOOP!

Your Car Key FOB Could Save Your Life!

The next time you hear a strange noise on your driveway or believe someone may be trying to break inside your car or home, just press your car key fob. As you know, your car alarm is very loud
and hopefully would stop the intruder. The piercing sound will alert your neighbors to see what's going on. Better to risk annoying them than losing your car, valuables or your life.

Have to admit but I never thought of using my car fob as a home security device. But have used it many times to locate my car in parking lots and garages. Key fob are low tech but work. (Free, too!) A car fob is just one tool to consider to protect your home and family. Many good home security tools are available including alarm systems, video cameras and outdoor lighting.--LH

Moderna #2 Packs a Wallop!
My wife and I both received Moderna dose #2 last week at Kaiser. My doctor warned me of possible side effects worse than dose #1 and she was right. Within a few hours, I got chills, slight fever and a very painful arm. Took Tylenol which helped but the pain persisted and kept me awake most of the night.

For the first 18 hours, my wife did not have any side effects but the next day was a doozy. Sharp pain in her arm and throughout her body. No fever, though. However, by the following day we both fully recovered. Small price to pay to keep from getting dreaded Covid. Of course, we'll continue to wash hands, wear masks and safe distance--LH

Valuable Resource
Over 50 and looking for help and resources for yourself or loved ones? Check out Avenidas of Palo Alto, CA. Avenidas provides a wide range of programs, information and services to help older adults stay active, maintain independence, help their aging parents or care for a spouse.
For a complete list of programs and classes, go to:

Got News?
What's happening in your life and/or business? Send us news items that you think would be of interest to boomers and seniors. Share The Scoop with your friends, family and colleagues. Your comments are always welcome. Reach me at 408.921.5806

Reach Over 100,000
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