"I can't be a pessimist, because I'm alive. To be a pessimist means that you have agreed that human life is an academic matter." -- James Baldwin

Thursday, September 10, 2015

The Ultimate Question

     At our local arthouse theater I saw a preview for a movie about David Foster Wallace called The End of the Tour, starring Jason Segel. Wallace is someone I'd heard about, but I'd never read any of his books (and I haven't yet seen the movie either).

     His big bestseller was Infinite Jest. I looked it up. It's over a thousand pages long. So I asked my friend -- the friend I call Peter -- if he'd ever read Infinite Jest. Peter is a big reader. He's read everything. But he told me, "I tried to read it when it came out. But I couldn't get through it. The book is incomprehensible."

     That was enough for me. A thousand pages of incomprehensible prose. No, thanks!

      But then Peter allowed that David Foster Wallace had also written several books of essays. "Read one of those instead," he advised. "They're really good."

     Since I was headed to Cape Cod, I picked up Consider the Lobster and Other Essays, published in 2006. In the lobster essay Wallace wonders at length how much pain the lobster feels as it's being shoved into a pot of boiling water. The essay made me squeamish; but it was a good piece of writing.

     All the essays seemed a bit dated, since they were from the late 1990s and early 2000s. In one he goes to Las Vegas to attend an adult film awards ceremony. It's funny it spots, and establishes just how cool David Foster Wallace is. In a review of a John Updike book, he dismisses Updike, as well as Norman Mailer and Phillip Roth, as the Great Male Narcissists -- thus establishing how young and hip he is.

     But it's in an unlikely essay about a new dictionary where he ponders some more important issues.

     For example, Wallace decries the flood of cynicism that has washed over our society, especially in its most devilish form of irony. It's been overused, he says, beaten to death, to the point where no one can escape its clutches. It makes it almost impossible for people to address issues in a serious and honest way. He's writing in the late 90s, which had already seen irony take over as a main form of expression for a quarter of a century. One can only imagine what he might think of people like Jon Stewart and Stephen Colbert, who have built their entire careers on irony.

     Wallace, a self-described liberal, also laments the demise of what he calls the Democratic Spirit, which he admits may have been inevitable. The Democratic Spirit, he writes, is "right up there with religious faith and emotional maturity that people spend their whole lives working on. A Democratic Spirit's constituent rigor and humility and self-honesty are, in fact, so hard to maintain on certain issues that it's almost irresistibly tempting to fall in with some established dogmatic camp and to follow that camp's line on the issue and to let your position harden within that camp and become inflexible and to believe that the other camps are either evil or insane and to spend all your time and energy trying to shout over them . . . It is indisputably easier to be Dogmatic than Democratic, especially on issues that are both vexed and highly charged."

     Sound familiar these days?

     He also touches on the difference between political conservatives and liberals. Conservatives tend to believe in rules and norms that are prescribed by some authority, usually based on received wisdom from dead white males. Liberals reject traditional authority and traditional standards of inequality, but in the process, he fears, they have developed their own even-more-inflexible rules of language and behavior that are enforced by real-world Stalinesque sanctions.

     One outgrowth of all this is politically correct speech. Of course, no reasonably modern person wants to insult other people by using offensive terms, or referring to them in a disparaging way. But does referring to a poor person as "low income" or "economically disadvantaged" or "pre-prosperous" really do them any good?

     No, he says. Instead of addressing the problem, politically correct language tends to mask the problem. Often the use of politically correct language is simply an exercise in self-satisfaction. It "functions primarily to signal and congratulate certain virtues in the speaker -- scrupulous egalitarianism, concern for the dignity for all people, sophistication about the political implications of language -- and so serves the self-regarding interests of the PC far more than it serves any of the persons or groups renamed."

     He goes on: "Strict codes of egalitarian euphemism serve to burke the sorts of painful, unpretty and sometimes offensive discourse that in a pluralistic democracy lead to actual political change rather than symbolic political change. In other words politically correct language acts as a form of censorship, and censorship always serves the status quo."

     It seems you get no dogma from David Foster Wallace. Instead, you get some hard-headed challenges to our conventional wisdom . . . the kind of analysis that makes us look at ourselves, and our motives, in a more honest, revealing and not-necessarily-flattering way.

     Wallace is a sharp, intelligent (if sometimes difficult) writer. But there's one thing that puzzles me.

     Wallace was a pretty good tennis player in his youth. One of the book's entries is a review of Tracy Austin's autobiography. He wonders how Tracy Austin, who was such a virtuoso on the tennis court, could write such a shallow and thoughtless autobiography. How could someone be such a genius in one respect, but turn out to be so boring and vapid in another?

     David Foster Wallace committed suicide on Sept. 12, 2008. And that makes me wonder: How could someone so smart do something so stupid? I don't mean that as an insult. Wallace was clinically depressed and had difficulties with his medications. Still, how could someone who was so smart, who offered so many elegant answers to so many problems . . . how could he not find an answer to the most important question of all: why should we keep on living?
    
    

Monday, September 7, 2015

On Our Minds

     A roundup of baby boomer blogs this week finds that we have an abiding interest in both our mental and physical health.

     Take a drive over to Six Decades and Counting where Meryl Baer examines the rules regarding car seat regulations, and how they may or may not affect senior citizens. She wrote about the problem a few years ago, and has updated the article for her latest post Car Seats for Seniors.

     As for Laura Lee Carter, she's concerned about the stress and the environmental problems of city living. After residing in the city for most of her life, she finally moved to a rural community this summer.

     Since B and I have been talking about when and where we should move in retirement, this is a subject near and dear to my heart. One of our ideas is to move into the city, from the suburbs where we've both been hanging our hats for the past few decades. We're thinking city life would be exciting, at least for a period of time, say a year or two.

     But after reading Carter's post, I'm not so sure. In City Living … Not So Much Laura Lee offers up a few thoughts, along with some informative research, on urbanization and mental health.

     Meanwhile, on The Survive and Thrive Boomer Guide, Rita R. Robison, consumer journalist, warns us about two potential threats to our health. In FDA Issues Warning Letters to Five Companies that Sell Pure Powdered Caffeine, she points out the dangers of the supplement to children and adults alike. Pure caffeine should never be sold to consumers, she says, pointing out that one mere teaspoon can be a fatal dose for a child, and two teaspoons are fatal to many adults.

     In Tiny Concentrations of Teflon Harmful to Public Health, Robison refers to a study by the Environmental Working Group that says federal guidance on safe levels of Teflon in our drinking water is way too weak. One study she cites detected Teflon chemicals in 94 public water systems in 27 states. And exposure to these types of chemicals have been associated with cancer, high cholesterol, obesity and other problems. For more on the issue check out Robison's report and her links to the studies. 

     Meanwhile, if you’re interested in self-awareness, self-improvement and self-actualization, you might want to check out the recent post on SmartLiving365 called Is Finding Your Balance Point a Smart Way to Live? Blogger Kathy Gottberg takes a look at some work by Brian Tracy and his daughter Christina Stein who talk about how each of us has a balance point where "we feel in perfect harmony, grounded, happy, connected to others, and where our mind, body and spirit are in alignment." 

     Gottberg also notes in Wayne Dyer: The Passing of a Self-Help Master that the popular author and motivational speaker Wayne Dyer died last Sunday, Aug. 29. Dyer was suffering from leukemia, diagnosed in 2012, but that never dimmed his optimism and love of life. As noted on the Dyer website: "Wayne has left his body, passing away through the night. He always said he couldn't wait for this next adventure to begin and had no fear of dying.”

     One of Dyer’s famous quotes was: “Don’t die with the music inside you.” So Gottberg has isolated five ways that the music of Wayne Dyer will forever be a part of her life . . . and maybe yours.

Sunday, September 6, 2015

Summer Days Are Over

     There are a lot of people living on Cape Cod who (as B and I say when we notice a lot of heads with gray hair) are "in our demographic." In other words, there are a lot of retirees who live out here, not just in the summer, but all year long.

     B and I drove home from vacation yesterday, and on the way we wondered: would we ever consider retiring to Cape Cod? There's an allure. It's a beautiful place out on the seacoast -- peaceful and removed from the world. The summers are on the cool side, and the winters not as cold as the rest of New England.

     A few years ago B and I spent a weekend here in November. It was fun to walk the windy beach and watch the waves scuttle to shore. The air was bracing, and the fire at the local restaurant very inviting. But it was also gray and raw and blustery, and seemed lonely with the vacationers long gone.

     And yet, thousands of retirees call Cape Cod home. Most of them come from New York or New England, but some from farther afield. A lot of them go away for at least part of the winter, usually to Florida. But there's another reason besides the weather:  If you stay in Florida at least six months, you're considered a Florida resident, rather than a Massachusetts resident. There's no state income or estate tax in Florida as there is in Massachusetts.

     But there are always exceptions. We met one couple that spends the winter in Aruba rather than Florida. Another fellow chuckled when he told me with undisguised happiness that he and his wife had just retired last year. They moved here from Connecticut. He said people think they're crazy because they don't go south in the winter. They have a house on the Cape, then go Vermont for the winter. Why? They are skiers.

     Personally, I wouldn't want to winter over in Vermont. I used to do some skiing. But I gave it up six years ago after I fell and broke my arm -- and realized that skiing is not a good thing to do for people "in our demographic." At our age, when you fall, you're more likely to get hurt, and it takes longer to heal.

     No. I don't think we'll retire to Cape Cod. We'll be back. But for now, the summer days are over on the Cape.

September sunset over Bass River on Cape Cod

Friday, September 4, 2015

Do We Make Our Own Luck?

     The following short passage comes from Live by Night by Dennis Lehane, a book I'm reading on vacation. Lehane is author of a dozen novels, including Mystic River, all set around the Boston area.

     The time here is the 1920s. The son, Joe, is a small-time crook who has been beaten to within an inch of his life by a couple of gangsters. He's now being transferred to jail from the hospital, and his father comes for a visit . . .

     "People don't fix each other, Joseph. And they never become anything but what they've always been."

     Joe said, "I don't believe that."

     "Don't? Or won't?" His father closed his eyes. "Every breath, son, is luck." He opened his eyes and they were pink in the corners "Achievement? Depends on luck -- to be born in the right place at the right time and be of the right color. To live long enough to be in the right place at the right time to make one's fortune. Yes, yes, hard work and talent make up the difference. They are crucial, and you know I'd never ague different. But the foundation of all lives is luck. Good or bad. Luck is life and life is luck. Don't waste yours. It's leaking from the moment it lands in your hands."

     Joe's jaw clenched, but all he said was, "You make your luck, Dad."

     "Sometimes," his father said. "But other times it makes you."


Tuesday, September 1, 2015

What's Going On Here?

     You can go on vacation, but you can't get away from your IRA account.

     I've been away for less than two weeks, and Wall Street has gone crazy. What's a poor retiree to do?

     Well, if you're a poor retiree living on Social Security alone, then you probably don't care. Or if you have a good pension supporting you in retirement, then it probably doesn't matter much to you either. But for those us who have no pension, and who have spent a good portion of our lives saving up for retirement . . . that's all we've got!

     So what happens next? Nobody knows -- not your broker at Merrill Lynch, not the expert holding forth on CNBC, nor the reassuring missive that arrives by email from Fidelity or Vanguard.

     I guess we all have faith that over the long term the American economy will continue to prosper and corporate profits will grow along with it. And therefore the stock market will reward those of us who invest in it, either directly in stocks or mutual funds, or indirectly through some retirement plan. If you don't have that faith, perhaps you should be investing in Asia, or gold, or hiding your money under the mattress.

     Regardless, in the meantime we should all keep plenty of cash on the sidelines. Here's the best advice I've seen on that score.

     All the financial experts say you should set aside some kind of emergency fund so you're not forced to sell your assets in the middle of a crisis. Many recommend keeping enough cash outside your retirement account to cover six months of expenses.

     But here's the alternative I like better: Figure out how much you typically withdraw from your savings to cover the gap between your ongoing expenses and your recurring income from pensions, Social Security and anything else. Then set aside enough cash -- it can be inside or outside your IRA, it doesn't really matter -- to cover the gap for five years.

     Yes, five years. That's so you don't have to sell investments when they are down. (You didn't want to be forced to sell your stocks cheap in 2008 or 2009. But you didn't want to sell them in 2010 or 2011 either, not when they were going to be worth a lot more in 2012 and 2013.)

     But the amount you should keep in cash may not be as much as you think. For example, if you spend $3,000 a month, and take in $2,500 a month in pensions and Social Security, you have a $500 per month shortfall. So $500 a month for five years equals a cash balance of $30,000.

     Of course this is just an example, and there's always room for adding or subtracting a little bit here and there (subtract some if you really don't have the savings; add some if you're worried about a sudden emergency expense, or a return of inflation). But you get the idea.

     And besides, maybe the market will go up again next week, and all our worries will be over. I doubt it; but it could happen.