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Valentine gifts–practical or romantic?

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We’ve all heard of giving a loved one roses, a box of chocolates, perfume or cologne, jewelry, or even a stuffed animal for Valentine’s Day. But have you ever heard of giving a loved one a purely practical gift for Valentine’s Day?

I had been divorced for over four years when I started dating again in my 40’s.  It was not something I looked forward to but my daughter and friends were persuasive.  I signed up for eHarmony and answered all of their probing questions while enjoying a glass of wine to make the process less of a chore.  I was hopeful.

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A widow’s valentine

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widow's valentine
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Forever and ever, amen

by Valerie McCullough, Loveland Reporter-Herald

January 31, 2017

“He braked for cats.

In 1955, when I rode in his black, Fairlane Ford on wet, dark, hilly Berkeley streets, Bill swerved and lurched the car when yellow/green cat eyes darted across city streets.

And this was before seat belts.

Every Sunday evening, he gave a ride across town to a black musician.  These were years when such things were not done–when minds and municipalities were still segregated.

After our wedding, Bill worked so I could finish college.

Who could not love a man with such a generous soul?

This generosity remained with him until death.

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Find peace, strength, guidance and forgiveness in prayer

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“Our Foolishness, His Faithfulness”prayer

An Excerpt from #84-22
Presented on The Lutheran Hour on January 29, 2017
By Rev. Dr. Ken Klaus, Speaker Emeritus of The Lutheran Hour
Copyright 2017 Lutheran Hour Ministries

“…When you look back at your life, are you haunted by wrong and shameful things you have done or said or thought? Have you committed acts which you struggle to keep hidden from everyone else; acts which twist your stomach into knots, which bring a blush to your cheeks and rob you of sleep? Now let me ask, ‘What has the world done to bring you lasting and permanent peace?’ If you are like most, you will have to admit the world has no medication, no program, no philosophical plan which can remove those sins and soothe your conscience. Let me continue. When you think of your own mortality and the moment you will breathe your last, do you ever wonder what will happen next? Are you absolutely convinced that death is the end of everything or do you, every so often, get a fleeting feeling that there is something more and you aren’t prepared for what’s going to happen? Have you ever longed to have something, someone in whom you can place your trust… someone who is absolutely reliable and will always be there for you?

If so, I encourage you, abandon any attitude which has labeled the cross as being foolish. The crucified and risen Christ came to erase those sins which trouble your days and upset your nights. He has come to give you a peace which the world cannot give. Look to the cross and empty grave of Jesus and know that, right now, a living Lord extends His nail-pierced hands to you in welcome. Jesus says, ‘Come to me and I will listen, I will carry your concerns; I will hear your prayers; I will comfort your soul and my love for you will never end.‘”

Travel insurance can “soothe” your worries

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travel insuranceTravel Insurance to Protect Your Vacation

by Miriam Cross for Kiplinger’s Personal Finance Magazine

June, 2016

“You’ve finally booked a long-awaited Mediterranean cruise. Before cracking open your guidebook, make one more purchase to ensure that your dream vacation goes smoothly: travel insurance.

Nearly one-fourth of Americans had to cancel, delay or interrupt travel plans between spring 2013 and fall 2014, reports the U.S. Travel Insurance Association, mainly because of illness, severe weather or transportation delays. A comprehensive travel insurance policy includes coverage for those problems and others that might derail your trip, both before and during your vacation. As insurance goes, it’s relatively inexpensive—typically 5% of the cost of your trip. You can generally lock in coverage up to 24 hours before your departure. But the sooner you buy, the more key, time-sensitive benefits you get, including coverage for preexisting conditions.

Good reasons to buy. Most insurers’ package plans will reimburse your prepaid, nonrefundable trip expenses if you have to cancel or interrupt your travels because of a close family member’s death or illness, storm damage that makes your destination uninhabitable, or a layoff from work. They also typically reimburse you if your flight is delayed or your bags are lost or stolen. And you should get 24-hour phone support.”

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The “Rule of 100” investment strategy

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Rule of 100
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When I was in my late 20’s I started planning for my retirement.  I was not afraid of risk and so I purchased several mutual fund accounts focused mostly on foreign and domestic stocks.  When I retired from teaching at the age of 55 my investments were in a bit more conservative portfolio which included bonds.  I had followed the “Rule of 100,” which is a measure whereby you subtract your age from 100 to determine the approximate percentage your assets could be invested in stocks (more risk). The rest should be invested conservatively (less risk). For example, I am now 57 years old; 100 minus 57 is 43. So the Rule of 100 would suggest I have 57 percent invested in lower risk accounts (cash and bonds) and 43 percent could be placed in higher risk accounts (stocks). Therefore, the older you are the more conservative your portfolio should be since you don’t have time to make up any losses due to a downturn in the stock market.

This is my current asset allocation in my retirement investment portfolio at age 57:

  • 13%     Cash
  • 37%     Bonds
  • 28%     Large Cap Stock
  • 15%     Mid/Small Stock
  • 7%       International Stock

So, you can see I have 50% of my portfolio in cash and bonds (low risk) and 50% in stocks.  Pretty close to the Rule of 100 suggestion.  However, my online financial advisors at VOYA Financial suggest I put less in bonds (24%) and more in international stock (23%) since I have time to recoup any losses and current interest rates are low.  Their investment strategy does not follow the Rule of 100.  That Rule is no longer suggested due to low interest rates.  Read more about this and other common investment rules which no longer apply.

I may consider adding more international stock to my portfolio in the near future, making it a bit more risky, as our economy appears to be changing.  What is your current asset allocation?  Do you still follow the Rule of 100?

 

Do I really need an annual physical?

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Make the Most of Your Annual Checkup

by Nellie S. Huang for Kiplinger’s Personal Finance

October, 2016

“You feel fine.  You rarely get sick.  So do you really need an annual physical?

If you’re completely healthy, a ‘well’ visit once a year won’t improve on perfection. But feeling healthy and staying healthy are two different things, says David Meyers, chief medical officer for the Agency for Healthcare Research and Quality. That’s where a regular visit, if not a head-to-toe annual physical, comes in. Nowadays, these appointments are preventive and goal-oriented. You and your doctor will make key decisions to keep you healthy, such as whether you should take a cholesterol-lowering drug or whether you need a colonoscopy.

annual physical
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The focus is on ongoing care, and the actual exam “is the least important thing that happens,” says Jack Der-Sarkissian, a Kaiser Permanente family physician in Hollywood, Calif. Your doctor will still read your vital signs, scan for skin cancer and perform other tests you’d expect. But it’s the resulting game plan that counts most. Der-Sarkissian equates a preventive visit with a meeting with your investment adviser. You should leave your doctor’s office with a goal of where you want to be, healthwise, in 10 years and an action plan to achieve it.”

To get the most from your doctor’s visit

Hospice–The Last Journey

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Acts of Kindness:  The Last Journey

Published on Oct 18, 2016

Credit: Steven Aitchison

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