More dining on a budget in retirement

As I have often said in the past, dining at home during retirement doesn't have to break the bank. Watch the sales and build the menus around these items. The little potatoes were not a dollar for enough for both my wife and me.

The small tomatoes were also on sale but I had to buy a big box of the things. I've been finding ways of including them in my dinners every night. I don't want to have to toss some because they were kept too long. Tonight I grilled all the vegetables after rolling the tomatoes and potatoes about in a little garlic flavoured olive oil.

The fish is sole purchased frozen at Costco packaged in a gigantic plastic bag of a size only Costco would carry. Each fillet is individually wrapped and none has any sign of frost-burn. We keep them frozen until needed and then let them thaw in a sink filled with cold water.

I put a layer of Sole fillets in a small baking dish, topped this with a tight row of asparagus and then finished off with another layer of Sole. I brushed all with olive oil combined with the zest from one lemon. I heated the oil mixture for a couple of minutes on the top of the stove before brushing on the sole and asparagus.

The romaine lettuce was, you guessed it, on sale. We bought a three pack and I cut one head in half tonight and grilled both halves after wiping each with a little oil and vinegar dressing. Before serving, I sprinkled grated Parmesan cheese on the fish and on the romaine plus I put a few chopped chives on the fish and added a squeeze of lemon juice. (My wife grows chives in her small garden. Chives grow like weeds. We will never run short when it comes to chives.)

And how did it taste? Good, very good. And like I said it didn't break the budge.

Thanks to the strong flavour of the Parmesan, the garlic and the asparagus, we decided our red house wine would go just fine. Recently, we got a few 4 litre boxes of Peller Estates French Cross blend on sale for $30.95. You may laugh but at that price we are only paying $5.80 for a 750ml of wine. That's the amount found in most bottles. Being old enough to recall the wines available in the '60s has its advantages. For us the wine quality bar is set awfully low.

That said, I do have a nice Chateauneuf Du Pape aging in the cellar. I'll crack it open when the time is right. And yes, I got it from the sale bin at the LCBO. It wasn't cheap but it wasn't all that expensive either. It had been knocked down in the double digits. It was the last bottle in the store and was being dumped to make room for more product. It will make a fine wine to serve guests.

Stuff I found of interest today: April 12, 2012

First Link

The London Free Press has often run stories maligning the healthcare in Canada. According to the local paper, generally the Americans are much better off than those of us north of the border. I contacted the source of one of the Free Press stories, the Commonwealth Fund, and they said their findings had been given a right-wing spin by the London paper. For that reason and others, I am quite interested in healthcare stories. Which brings us to my first link:

• For life expectancy, money matters: The Harvard Gazette

A new study shows, that the average life expectancy of the lowest-income classes in America is now equal to that in Sudan or Pakistan. Yes, in the United States being poor is so hazardous to your health. I assume some of the same rich-live-longer findings would also hold in Canada but would the spread be as dramatic?

Second Link

When it comes to retirement stories, I have begun following Wade Pfau. This fellow is not just another opinionated blogger. Pfau has credentials. Today, I am posting links to two of his posts:

• Which Is Better for Retirement Income: Insurance or Investments?

Retirement income planning has emerged as a distinct field in the financial services profession. But because it is still relatively new, the best approach for building a retirement income plan remains elusive. There are two fundamentally different philosophies for retirement income planning. Pfau says one approach is probability-based while the other puts safety first.The second Pfau post to which I am linking is:

• Understanding the Tools in Your Retirement Income Toolbox

Retirement plans can be built to manage varying risks by strategically combining the following retirement income tools in different ways. You should be familiar with all these tools for creating a successful approach to retirement.

Crayola inspires everyone interested in art.

Third Link

Do you have children? Yes? Check the Crayola Website. I've granddaughters and the Crayola post is chock full of good ideas. I went to art school and I still found the Crayola site informative.

Today I learned about Koru painting created by the Maori people of New Zealand. Koru symbolizes new birth and growth. The colourful painting on the left shows fern plants ready to unfurl.

In the coming days I will post more links to the Crayola Website.

More than a dozen fruits, vegetables and nuts daily but no meat

Pasta with pesto, green beans, potatoes, broccoli, walnuts, pine nuts and more.

 

Today was a no meat day. My doctors at the stroke prevention clinic have advised me to go meatless every other day. When I do have meat, it usually fish or chicken. Red meat is a once a month treat. Eggs are simply out. I have ice cream with cake on my birthday. My cholesterol levels are down across the board with the bad cholesterol down dramatically. The diet seems to be working.

The right ventricle of my heart is enlarged and the tricuspid valve is leaking. This is all the result of a genetic disease called arrhythmogenic right ventricular cardiomyopathy (ARVC). It sounds bad but if one could choose which part of one's heart is going to fail, choosing the right ventricle is the right decision. The left side of my heart is in pretty good shape as I had the mitral valve repaired robotically some years ago.

The ARVC has disrupted the electrical system of my heart and left me requiring an ICD/pacemaker. An ICD is an implantable cardioverter-defibrillator. If my heart should begin beating rapidly, it hit 300 bpm once, my ICD shocks the heart forcing it t return to its proper rhythm. I have only had about four shocks and they all were delivered a few hours apart. Such an event is called an ICD storm. My meds were increased and the problem has not returned.

My pacemaker is another matter. It runs almost 100 percent of the time. I have a complete heart block. I run on battery power. I'm a bit like a Tesla automobile. At some point the battery will need to be replaced. At that point, a new unit, complete with a new battery, is put into my chest.

With so much going wrong with my heart, I don't want to add traditional heart disease to the equation. I watch my fats, I eat lots of fresh fruit, lightly cooked vegetables plus a few nuts every day. My diet may be restricted but it doesn't feel that way. I actually eat a far more varied diet today than I did before my ARVC was discovered. I love food, I enjoy cooking and my diet makes me happy. 

Cooking new and imaginative creations is fun. The results, when they turn out, are a mixture of art and craft. When my wife and I sit down for dinner, the meals often look beautiful and taste wonderful. And our meals don't set us back a bundle either. We buy stuff in bulk when its on sale. We have a PC Points card and we try and buy the stuff with bonus points when those products are also on sale. We charge everything with a credit card that returns us one percent of the value of our food expenses. And we are not too proud to price match. 

We try to avail ourselves of every trick. It seems to work. My wife and I are both retired and yet our food expenses are not hard on our limited budget.

How simply moving benefits your mental health

How simply moving benefits your mental health

Treasures mark path to mindfulness

Most of those at the party missed the small bouquet of artificial flowers.  Not my
granddaughter. The six-year-old got my camera and saved the moment with a picture.

What does a Harvard Graduate School of Education article and a little six-year-old girl have in common? Answer: Both promote a positive approach to life reinforced by the seeking of small treasures in daily life.

The Harvard folk have a name for this: Mindfulness. One exercise to develop mindfulness is to remain constantly alert for small moments of beauty throughout one's day. My oldest granddaughter has a word for these beautiful things, these beautiful moments: treasures.

She constantly sees treasures in her world. She stops her little bike to pick up walnut shells split and emptied of  meat by a squirrels. She finds the intricate sculptural shapes inside, once secret but now revealed to the world by the hungry squirrels, beautiful and worthy of careful inspection. The shells grab her attention and make her smile as she rolls them in her hand to quietly inspect their inner beauty.

I have a small, orange pail filled with her collected shells. This pail makes me smile. The pail is one of my treasures

Steel cut oats make an inexpensive and very healthy breakfast

Steel cut oats for a good but inexpensive breakfast.

All too often I have read how difficult it is for retirees to eat well on a tight budget. One reporter even went so far as to suggest retirees should prepare themselves for eating pet food as human grub may be out of the question. That's nuts.

I'm retired and my breakfast is nutritious, filling, amazingly delicious and cheap. Even my granddaughters, two and six, have given it a thumbs up. The steel cut oats are the main ingredient and these cost as little as 11-cents a serving or less. The fresh and dried fruit, nuts and maple syrup drive up the cost but the whole mixture still comes in at a bit more than a dollar a serving.

Keeping the number of strawberries used down can keep the cost in line as strawberries are the most expensive ingredient. When apples are inexpensive, I dice an apple, soften it in the microwave, and add apple instead of strawberries to my mix.

I like the PC Blue Menu Steel Cut Oats. I boil 1 1/4 cups of water in the microwave, remove the steaming water from the oven and stir in 1/4 cup of the coarsely cut oat groats. I return the oats and water to the microwave and cook for 12 minutes at 40% power. This is important. At full power there is a big risk of the cooking oats boiling over.

At the end of the ten minutes, I remove the bowl from the oven and stir. Any foam that has gathered at the water's edge, I stir into the mix. I return the mixture to the microwave for a a further five minutes at 40% power. At the end of five minutes I stir the mixture, making sure to stir anything adhering to the side of the bowl back into the oat mixture. I finish by cooking the oats for up to one minute at full power. When I remove the bowl from the oven, the top of the mixture is covered with bubbles. (These times and power settings will vary depending up the microwave used.)

While the oat groats are cooking, I measure 1 tablespoon of Qi'a into a bowl and add two tablespoons of milk. I let the chia, buckwheat and hemp cereal soften for a few minutes while I turn my attention to dicing four or five strawberries to add to the bowl of Qi'a. I dribble one tablespoon of maple syrup over the berries. I coarsely chop 20 grams dried blueberries plus a couple (2) of Brazil nuts. I add these to the mixture. Finally, I mash a banana and add it.

All the measuring, dicing, dribbling, chopping and mashing takes time. If I time this right, I may have to take a break to look at the morning paper, at the moment the oats are done the sweet fruit and nut mixture is added to the hot cereal. I stir all together and enjoy.

You MUST experiment with the cooking times and microwave power settings to ensure you do not overcook the oats or have the oats bubble over and splatter about your microwave. My times are unique to my microwave. Take care. Go slowly. I use the approach I do because I am sure it will not result in a mess. It takes a bit of time but it works and like a said, I take a break and read the morning paper. When one is retired, time is not a problem.

Addendum: Bought some Bob's Steel Cut Oats at Costco. Price was a bit less than the PC Blue Menu Steel Cut Oats I've been using. Bob's claims to cook quicker than the PC variety but does carry a warning about the potential for boiling over if cooked in a microwave. From weighting equal volumes of both brands of oats, I believe the PC variety is a bit denser than Bob's. The PC oats may be ten percent heavier when equal volumes are compared.

Difference One: I have cut the amount of water to 3/4 cup.

Difference Two: When using Bob's, I have cut the time to five minutes at 40% power. After that I stir the cooking oats and return the bowl to the microwave for another three minutes at 40% power. At this point I may give the mixture another minute at high but usually I can give it a bit less. You'll get a feel for how much extra cooking is required as you gain experience cooking the steel cut oats.

Warning: I liked my oats cooked a little more than many folk but as time goes by I am finding I like a little more crunch in my finished cereal.

This is not only a filling breakfast, it is very healthy. The exact nutrition numbers will vary with the amount of fruit and nuts one adds, but I think it is safe to say that this breakfast may provide 15% of one's calcium needs, 35% or more of one's daily fibre requirements, more than 100% of one's need for Vitamin C thanks to the fresh strawberries, a quarter of one's potassium, magnesium, iron and B6 needs. The nuts provide a bit of protein without adding any cholesterol to the mix.

And these are only the good things listed on the packages of fruit and nuts. On the Web you will learn that just two Brazil nuts, the number I chop up and add, meet all of one's daily selenium requirements.

This is definitely a healthy breakfast.

Looking beyond the Thames for answers

Community leaders in London, Ontario, like to throw money at problems in an attempt to buy quick, expert-sourced solutions. All too often once the solution is provided, it is praised, criticized, shelved and forgotten. London leaders embark on spending sprees before first checking out the market place of ideas.

The dual problems of how best to treat the Thames River at the forks and what to do with the broken Springbank Dam are just the latest in a long string of brouhahas following this pattern. The city leaders would do better if they spent a little more time investigating what others have done.

Think of Stamford, Connecticut, and what that community has done and is continuing to do in respect to its river. In many ways, Stamford has the same stated goals as London but Stamford is taking an approach more in tune with present thinking. The Stamford approach is the one being taken by more and more communities around the world. Read the project statement reprinted below:

Formerly a polluted, derelict riverfront, Mill River Park and Greenway is now a verdant, animated civic space that mends the ecological and social fabric of downtown Stamford, Connecticut. Working closely with engineers and ecologists, the team conceived of a landscape designed to revitalize aquatic and terrestrial habitats and reduce flooding by restoring the channelized river’s edge and introducing hundreds of new native plants. The transformative effect of this park builds on ecological sustainability into social sustainability and social justice. A series of walking paths along the river reconnect neighborhoods to this vibrant landscape, granting access to the river’s edge for the first time in a century. The design provides much needed park space for active and passive recreation and a flexible “Great Lawn and Overlook” for large programmed events. A model for redefining active urban life, the park is a catalyst for residential, corporate and commercial growth and economic sustainability. 

If you are curious and want to know more, check out this link: The Plan for Mill River Park. It is interesting to note that Stamford, once it settled on the direction it wanted to follow, found a consultant to assist with realizing its dream. The community did not go it alone. Instead, the community turned to the Laurie Olin design team. Olin has been called the most significant landscape architect since Olmsted, the chap behind Central Park in New York and more.

If you would like to know more, the following video makes it clear what was accomplished in Stamford, Connecticut.




The two largest water resources management agencies in the United States, the US Army Corps of Engineers and the US Bureau of Reclamation, often work together today on dam removal projects. Something in the neighbourhood of a thousand dams have been removed in past twenty years in the States alone.