Issue 93 December 2022
Featured Stories
In This Issue

A Love Story
I married my beautiful Anglo- Indian wife Gloria in Madras (Chennai), India 54 years ago while teaching in the Peace Corps from 1966-68. This is our East Meets West love story and how we met.

Tips On Hiring Household Help
If you find a competent, experienced, fairly priced professional, especially a contractor, get referrals! It took Money Lady Evelyn Preston many years and many disasters to learn this valuable lesson.

Is A Reverse Mortgage Right For You?
New rules make a reverse mortgage a lot more attractive today. Learn why a RM may be right for you.

Grand Train Tour Of Switzerland
Ralph Waldo Emerson once said, “It’s not the destination; it’s the journey.” On the Grand Train Tour of Switzerland, it’s both.This past October travel writer Don Mankin and wife enjoyed a fabulous, "back to the future" train tour through Switzerland.

Protect Your Eyesight
Glaucoma is a leading cause of vision loss and blindness. Anyone can get glaucoma but those at higher risk include anyone over age 60, especially Hispanics/Latinos, African Americans over age 40 and people with a family history of glaucoma. Learn more at PMGMD.

Looking For Independent Senior Living?
Check out Chateau-Cupertino for independent senior living starting
at $3,400 per month. Meals included. Home-life environment in a great location.

Ask Larry: "Do I Need An Annual Physical?"
Maybe not but still a good idea to see you doctor for an annual blood test and eye exam, especially for those over 70.

Be Kind
Let me know what kind of stories you prefer to read in The Scoop,
the leading digital publication for boomers and seniors in the SF Bay Area. Please feel free to forward this issue to your family and friends. Subscribe today. It's FREE!

--Larry Hayes, A050 CEO/Publisher. Email: Visit

A Love Story.
East Meets West
By Gloria Hayes

We are asked many times: “Larry & Gloria--how did you meet?”
And our answers have two versions.

Version #2 
Since the true version is long and we don't have time to relay the entire true story to everyone who pose this question to us, we
just tell people that we met at a social function while in Madras,
Version #1--the real story
1967-1968. I’m working in an office in Madras (Chennai), a large city in south India. During lunch time while glancing through the daily newspaper with a girlfriend, my eye caught an ad running in the Classified section.

Witty, Westernized Girl For American, 28 
This ad was written by Larry Hayes on August 30 and appeared in our newspaper on September 3. Larry, who is working for the American Peace Corps as a teacher, is based about 400 miles south of Madras.
Note: I usually never read the Classified section of the newspaper because of no time or interest but on this particular day, it seemed like the newspaper just opened up to that page for my eyes to peer down on this ad.
Grand Train Tour Of
By Don Mankin
Ralph Waldo Emerson once said, “It’s not the destination; it’s the journey.” On the Grand Train Tour of Switzerland, it’s both.
This past October my wife and I had the opportunity to enjoy the ride and the country on our train tour through Switzerland.
Our trip started in Lugano where I was attending the Adventure Travel World Summit, the first in-person summit since the pandemic began.
I can’t think of a better place to break out of a pandemic: a beautiful lake, an historic hotel and a lovely lakeside promenade linking our hotel and the modern convention center where the summit was held.

John Donaghue is an award winning creative art director and creator of Under Cardiac Arrest Comics appearing in The Scoop. For a chuckle or two, go to:
Protect Your Eyesight
January is Glaucoma Awareness Month
Did you know that glaucoma is a leading cause of vision loss and blindness in the United States? January is a great time to schedule your annual exams, including an eye exam. 
Glaucoma is a group of eye diseases that can cause vision loss and blindness by damaging a nerve in the back of your eye – called the optic nerve. Glaucoma has no early symptoms, so the only way to find out if you have glaucoma is to get a comprehensive dilated eye exam (which is simple and painless). 

There’s no cure for glaucoma but early treatment can often stop the damage and protect your vision. The appropriate treatment depends upon the type of glaucoma among other factors. Medication or surgery can slow or prevent further vision loss.
Anyone can get glaucoma, but those at higher risk include: 

• Anyone over age 60, especially Hispanics/Latinos 

• African Americans over age 40 

• People with a family history of glaucoma 
Regular, moderate exercise may help prevent glaucoma by reducing eye pressure; talk with a doctor about an appropriate exercise program. Take any prescribed eye drops regularly as they can significantly reduce the risk that high eye pressure will progress to glaucoma. Wearing eye protection especially when using power tools or playing racket sports in enclosed courts can prevent serious eye injuries which can lead to glaucoma.
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 Starting At $3,400

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 $3,400 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:
Ask Marilyn

"Is a Reverse Mortgage Right
For You?"

With over 15 years experience right here in Silicon Valley, I can help answer your questions about reverse mortgages.

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.

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 about reverse mortgages, feel free to call me today.

Marilyn Brown Ross Branch Manager & Reverse Mortgage Professional NMLS #453436/1221981 
Tips On Hiring Household Help

By Evelyn (Evie) Preston, The Money Lady
The following article is heavily researched—my own long life! I’ve plucked hard won knowledge from 25 years in the financial field and funding my own investments; managing a household of five for…well, seems like forever.

Sort-of gardening; employing maintenance personnel; undertaking several remodels and renovations...well, you get it. I’ve been around awhile. These insights and info come from heartbreaking, money siphoning, often difficult yet sometimes lovely experience. May any valuable “aha’s or “OMG” warnings add to your happy holidays and even spur a few New Year’s resolutions.
What’s the best way to hire outside workers or services?

I’ll start with my ending: if you find a competent, experienced, fairly priced professional, especially a contractor, get referrals! It took me many years and more disasters but into our kitchen remodel, Eureka, I found—Mr. Perfect. His sharp eye, attention to detail and concern for the client saved me money, aggravation and brought me more years of excellent referrals from painters to pool service.

Do get estimates from several sources. Do not hire a novice to build an addition because he’s French, your major in college. Get references, even talk to past clients and get a roughed-out cost estimate—in writing—especially if a substantial job.
Know yourself, your needs, your budget. Unless it’s the rooter-rooter guy who arrives during an ugly sewer backup minutes before
a dinner party, hire compatible workers—there’s a “bedside manner” even for a roofer, and especially for your financial advisor. Do they listen, ask the right questions, are forthright about costs, helpful. Or
if you’re “all business” on a time constraint, or need specific advice, don’t hire someone who regales you about his hobby saving wolves
in Yellowstone. Yes, he cared about wildlife than clients, and was gone a lot!
Have the courage and gumption to change/fire-those cleaners/gardeners/attorneys./etc. who may be really nice, but if they’re not doing YOUR job after input, training, talking and time,
give fair notice, a reasonable thanks and give a firm send-off with a
no hard feelings attitude then move on. Don’t be lazy or sentimental
or scared—just do it.
The above advice assumes you have not become new best friends with any of the above. If you are paying for expert services/advice, it’s best for both parties (from your hairdresser to your contractor) to be pleasant, fair and firm. Be specific, state standards, convey expectations and pay fairly.

Evelyn (Evie) Preston is a financial columnist for A050 and worked as a financial advisor for over 25 years. Reach her at

 --Larry Hayes, A050 CEO/Publisher

“Do I Need An Annual Physical?"

Q: I'm 78, male, healthy and feel pretty good most of the time. I hate getting my annual physical which lasts maybe 15 minutes. Seems like a waste of my time and the doctor's. Unless there is something really bothering me health wise, do I really need an annual physical?—Jay, Walnut Creek, CA

If you're feeling good, you probably don't need an annual physical.
A growing number of doctors believe that a routine, annual physical
is often a waste of time and money.

After taking my annual physical last month, I, too, question the need. However, I do believe in taking annual blood tests and eye exams.

Although not part of most annual physicals, it's also important to take
an annual eye exam, especially for anyone over 70. Ask for one if your doctor doesn't mention it.

My advice? Become your own doctor and take charge of your own health.Take the annual flu/Covid shots and monitor your blood pressure at home. If something is worrying you, by all means, see your doctor for a checkup.

Got a Question? Ask me anything. If I don't know the answer, I'll ask someone who does. Ask Larry is written by Larry Hayes, CEO/Publisher of A050. Email: Visit:

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