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Leaving a Financial Legacy to Your Great Grandchildren

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  Children are Special... Especially when it comes to Life Insurance. Children are expected to be on the planet for a long time (0-100+ years, according to the new Mortality Tables), so their life insurance rates are less expensive than an adult or even a teen! Once a child passes the age of 14, they fall into a different pricing category. It's logical. When was the last time you had one of your teenagers plop on your lap and tell you they love you? Life becomes more dangerous for teens after the milestone year. They are no longer considered cute and cuddly by the insurance industry, and subsequently cost a few pennies more to insure than your toddler. (But teens still get a better rate than you or I.) But to make a short story long, I give you a sample illustration of the power of youth: "The Merry Child Story" This is Merry Child. She is only 2 years old. Her parents want her to have a great life when they are no longer around to take care of her. (The Childs plan to mo...

AFTERLIFE: WHERE DO WE GO?

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  It is a matter of belief, I am afraid that I have had many encounters with “afterlife entities” and afterlife experiences, but no concrete, empirical proof to exhibit in a court of law. “Hearsay” thrown out of court! “Dreams” tossed out on their proverbial ears! “Fears” dismissed soldier! “Hair standing up on the back of my neck from a mysterious cold spot” oh please, who do you think you are fooling, man! “The voice of my very own Uncle saying, ‘Everything’s going to be alright!’ (At his own funeral no less), Poppy Cock!” “Go peddle your horse urine somewhere else, old man!” “I DON’T BELIEVE IT!” So, is religion the answer? Okay, which one? Do you believe in resurrection, reincarnation, or reparation? (We never got our 40 acres and a mule, did you? Oops! “Wrong type of reparation, sorry, my bad!”) Religion in modern times, is employed more as a weapon than a helpful tool! Proper religion should prepare it’s constituents for the possibility of afterlife conditions. Some clerg...

HAPPY BIRTHDAY TO THE CHIP!

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ARRIVAL: When the Chip walked into our Las Vegas apartment, (after a long solo drive from San Diego, CA), he was immediately greeted by ancient African hugs, gentle geriatric kisses, and a  6-foot-long banner that read: "Happy Birthday to the Greatest Son in the Universe", (I paraphrase because I am old)! Hanging said birthday banner was a feat that defied gravity, logic, advanced age, and the 4-foot 11-inch frame of CMB, the Birthday Boy's other mother! DIN DIN: The beef chuck roast had been velveted and marinated for hours, and had acquired the ability to melt in one's mouth! CMB wanted her Baby Boy to eat and enjoy his "well-guarded" plate of homemade victuals without having to chew his food. He was merely required to inhale the essence of what would normally be a chewy chunk of chuck! (Search velveting on your favorite browser.) ACTIVITIES: The meal proved to be the "knock-out punch" that put the Chip on the canvas and left the Old Block and hi...

WHEN WE THOUGHT WE WERE "COOL"

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  Looking back 50 years to my youth, I smile, then laugh at myself for thinking I was something special. Surely, I survived SEER training, combat weapon training, and firefighting school at the Marine Corps base. And yes I even passed the basic swimming course at the UDT SEAL base. I earned a Black Belt in Goju Ryu Karate in less than four years. I was a 23-year-old Vietnam veteran when I came home for the last time to claim my promised management position at the New China Club Restaurant. When I met the owner, Mr. Fong, in front of the restaurant, he casually dismissed me with an off-hand wave. I had even gone to school with his daughter, but my reunion and promotion vanished with a wave of his mighty hand! So cool! I stood there eating his dust instead of a combination plate! ("How quickly they forget their promises.) Later, when I moved to San Diego, where my illustrious military training began, I started teaching local, disadvantaged youth the discipline and rigorous martial a...

MY SECRET GUILTY PLEASURE!

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  The Old Block has decided to experiment with an AI Assistant today, to delve into a guilty pleasure that engages him as a reader, writer, and gamer. If you are old enough to read this blog, you are mature enough to enjoy adult visual novels, (also known as VN’s). The Old Block may also provide downloadable copies of suggested suggestive novels based on your response to today’s blog. (Please indicate whether you would prefer a male or female protagonist, to enjoy the proper point-of-view!) Play them alone, or share the love with your partner for a more intimate experience! Adult visual novels come in many categories and subcategories that offer a unique and immersive storytelling experience that caters to adult audiences. Here are just a scant few of the joys of adult visual novels: SAFE AND PRIVATE EXPLORATION Exploration of mature themes: Adult visual novels often explore complex and mature themes such as love, relationships, sexuality, and personal growth. These themes ...

THE RELUCTANT PLAYER

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  He always had good intentions. He wanted to be a good man, father, and husband more than anything in the world. However, the world would not let him be. In college, the girls came on to him like flies on stink! They were so sweet, “Me gustas, hombre,” some sweet-talking Latina would say. “Gusto kita, lalaki”, he would hear from a foreign exchange student. The unsolicited daily female attention he received, went straight to his big and little heads, twisting his self-made reality from the good guy path he pursued to the passively active playboy path. Parked cars and empty office buildings became his shameless playgrounds, where he spent many hours accepting the wanton favors of loveless ladies who easily turned his head with up-skirt glances, stolen touches, and secret smooches that attested to his furtive, manly magnetism. After a time, he did not care how or why he was given this surreptitious man-power over luscious ladies, he merely embraced his gift and shared the “love” ...

W.T.I.I.? (What Time Is It?)

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The abnormal combination of retirement, black-out curtains, tinted window shades, and advanced age gave birth to the W.T.I.I. Syndrome! You know you are afflicted with this dread disease when you wake up at all times of day or night, and ask out loud, “What time is it?” For me, it started about four years ago when my wife, (CMB), and I moved into our pseudo-affordable, senior get-away apartment, on the shady side of Las Vegas. We moved from Sunny San Diego so we could afford to buy a loaf of bread, and still pay our rent! Vegas living, (although considered our last resort for retirement living), has been economically consistent, and very good to us. However, the summertime “sun-sations” blast a laser-intensive hole in your cool zones and your cooling bill! Thus the shaded window screens and black-out curtains! Our apartment is so dark that the photo-sensitive nightlights never go off! (Not even in the middle of the day!), “Just the way we like it!” Technology solves a myriad of s...