Author: Manny Kagan

When It Is Time To Retire

I received a phone call recently from a childhood friend. She and her husband, with whom I went to school, used to live in Virginia. We saw them at least twenty years ago on a trip we took to Washington DC. She told me that after losing her job and her husband selling his business, they decided to retire in Sarasota, Florida. They were able to buy their new home for cash, after selling their house. After waking up late in the morning, they take a fifteen-minute drive to the beach and swim in the warm Caribbean waters. They meet and spend time with quite a few other people in Sarasota, who have chosen a similar lifestyle. Their children live quite a distance away, but they see each other often. My friends are planning to take a Scandinavian Cruise in May, which will end in our hometown of Riga, Latvia. For many retirees this kind of life sounds great, but not for me.

Being only seventy years young, I feel that my retirement can wait. We just moved into a new office. The lease is for five years with a five-year extension. Thus, I am planning to keep myself busy by helping other people to enjoy their retirement, for at least the next ten years. Last year I started to help a number of clients get reverse mortgages. During this experience I realized that a lot of people feel lost and need my assistance later on in their lives. I decided that I can help them by writing a book. Not about reverse mortgages (there are quite a few on the market), but rather about how to prepare for retirement.

The title of the book is “Retirement Solutions for Smart People. 5 Easy Ways To Enjoy Your Golden Age.” Retirement is a popular subject among the baby boom generation, and I’ve found quite a few books on the subject. Most of them are written by professionals who manage money or by professional writers.
In my book, I’m going to write about the following 5 Easy Ways to prepare for retirement:
1. Having a retirement mindset
2. How to create savings
3. Who can help to get better results
4. How to make the Government your partner
5. How to manage and lower your debts

I expect my readers to be age of 30 and up, since it takes time to prepare for one’s retirement. As soon as you start to develop your retirement mindset, it will be easier to enjoy your next life’s journey, many years later. We are launching our discussion about the retirement with the seminar “Retirement Solutions 4 You”, which will take place in our office on June 7th. Please come, learn and enjoy my photography on the walls of our office.

Enjoy and Share.

P.S. During my wandering around San Francisco I encountered many people in their advanced age, who seem to have found their way to enjoy “Golden Age”.

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Run For Fun?

When a friend told me that the Bay to Breakers race would be on Sunday May 21st, I decided to get there, not to run, but just to take photos. In the morning I got up with a pain in my lower back, and in my left knee, which requires surgery, but nothing could stop me from getting a few images for a story. This was the 106th race, which was first held on January 1, 1912. It was intended as a prelude to the world-class athletic events being planned for the 1915 Pan Pacific International Exposition. There were 218 registrants, 186 starters and 121 finishers.

Many things have changed since. Bay to Breakers is one of the largest foot races in the world with 50,000+ participants and 100,000+ spectators. I took Muni to Howard and Main Street, right on time to catch the first group of runners. Then someone told me that the best photo opportunity is in the Hayes Valley. I could take Muni again to get there, but I decided to walk instead. The runners had all passed through, and the swelling crowd was mainly walkers like myself. Starting on Octavia, Hayes Valley is a hill, and is considered the most difficult part of the 7.46-mile race route. Along the way streets were filled with people who were dressed in funny looking costumes and having a good time drinking, smoking and laughing. It was getting warmer and the crowd was filling the road. I decided not to quit, my pain had dissipated and I kept going. We reached the panhandle part of Golden Gate Park where people were having picnics along the way.

In Golden Gate Park the crowd thinned. As we progressed, some of the runners were already returning back, some even kept running in the opposite direction. People were wearing many creative costumes, which I imagine made walking in the warm day quite challenging. Some chose not to wear any clothes at all. Some carried dogs, some children. The majority of the crowd was made up of young people. I only noticed a few middle-aged people like myself (I am 70).

The winner of the race was Philemon Chabai, age 23, from Kenya. It took him 34 minutes, 48 seconds to reach the Finish. Exactly five minutes later, 23 year old Buze Diriba of Ethiopia was the first female finisher.

It took me 3 hours and 27 minutes from the moment I photographed the first runner until I took an image of the Finish Line, which I decided to cross running, after all, besides taking photos I had great fun. Enjoy and Share.

P.S. Since a lot of people came to the event to have a good time, it was easy to choose four images. In a few weeks I will share with you more images and a different running story.

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The Work Behind The Artwork

In the past two stories I wrote about the art world of San Francisco after visiting its two major museums, the SFMOMA and the Legion of Honor. The art theme continues in this week’s story, as we recently attended the opening of the San Francisco Art Fair, an annual event, for which I received VIP passes. When we arrived at Fort Mason on Thursday evening at 6:30pm, the huge parking lot was completely full. Hundreds of people rushed into the exhibition hall. It was packed with artwork and people. Our daughter Alona, who is an art consultant and came with us, made an interesting comment – “How many people can distinguish the good art from the not so good?” There were many exhibitors and hundreds of different art works in different forms and shapes, it was definitely challenging to distinguish the good from the less than good art.

After all, the appreciation of art is in the eyes of the beholder. But regardless if you like the art or do not, or even how much it is selling for, a lot of effort and work goes into creating it. From the idea or the vision to the execution, to the marketing and even the displaying of the art; not to mention the time commitment to studying, the trials and errors, and cost of the materials. One of the well-known photographers pointed out that his success depends on the size of his waste basket. I recognize this sentiment very well. When you visit our new office, you’ll be able to see my personal photo exhibition. Some people have asked to purchase some of my images. But how do I determine the price? What people see today is the result of many years of practice, which no one can see or appreciate. When next time you see any work of art, just be aware that the artist created it for your appreciation.

Enjoy and Share.

P.S. When you will come to my office you will see my photography based on three subjects: Light, flowers and sunsets. If you want to see images of the people I photographed on the streets of San Francisco, ask me to show them to you or you can purchase “42 Encounters in San Francisco” on Amazon.com. The definition of art is the application of human creativity, which some people use on their appearances, as you can see from the four images of people I encountered at the SF Art Fair.

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Are You A Museum Goer?

Last week, after visiting SFMOMA, I wrote about color. On Sunday, we decided to visit another museum – the Legion of Honor. I looked online to see how many art museums there are in San Francisco, and to my surprise, the Legion of Honor was not on the list. Subsequently, I learned that it is one of the two museums that belong to the Fine Arts Museums in San Francisco; the other one is the De Young Museum in Golden Gate Park. Both are considered the largest art museums in California. The reason for our visit this time, was to see the new exhibition “The Public and the Private”, with works of the irreverent Swiss artist, Urs Fischer. In the article which appeared on Saturday, April 22, 2017, in the Datebook of the SF Chronicle, titled “At Legion Exhibition, Times are Changing”, Max Hollein, the new director of both museums, pointed out that “In the 100 year history of the Legion of Honor this is the first exhibition to bring works by a contemporary artist into dialogue with a wide range of the Museum’s permanent holdings.” It was organized by a new contemporary curator, Claudia Schmukli, who did a marvelous job selecting 30 substantial works for the exhibit. Just entering into the familiar Court of Honor with the Auguste Rodin statue, the Thinker, which has been there since the opening of The California Palace of Legion of Honor (as the museum was formerly known) in 1921, I was greatly surprised to see the sculptures, which looked like unfinished works made of clay. I learned that they were actually cast in bronze. After going inside and seeing more sculptures and huge art works on the walls which were positioned within the old conservative art, and the effect was stunning. If this exhibit would be in the SFMOMA, the reaction could be different. For me it was a bold decision to show the works of an artistic genius.

The neoclassical building that overlooks Lincoln Park and the Golden Gate Bridge was a gift from Alma de Bretteville Spreckels, the wife of the sugar magnate and thoroughbred race horse owner/breeder Adolf B. Spreckels.

The museum is also known for concerts, which are performed on Saturdays and Sundays at 4 pm on the Symphonic Organ. This can be the reason in itself to visit the museum and to become a member. Just plan to come early enough to enjoy the incredible art collection, as well. There is another current exhibition –“Monet. The Early Years.” If you will get there before May 29th, you might be able to enjoy both exhibits. And do not forget about De Young Museum, one of their current shows is called “Summer of Love Experience”.

Enjoy and Share.

P.S. My four images (as before) were focused on the visitors wearing red, including the self-portrait in the “sculpture of the eye”. The museum courtyard is also an attractive spot for photographing special events, where I met this young woman in red to add to my collection.

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What Is You Favorite Color?

We recently had a visitor from Dallas stay with us. We took her to the SFMOMA to see the Matisse Diebenkorn exhibit, which I wrote about a few weeks ago. Viewing the remarkable work side by side of both of these artists again, my wife who is an artist as well pointed out that the paintings have similar colors. Color theory, which is taught in art school, is a practical guide to color mixing and the visual effects of specific color combinations. One of the common tools used for color theory, is the color wheel, which consists of primary, secondary and tertiary colors. A color circle is based on red, yellow and blue hues.

Some studies demonstrate how colors can have deep psychological effects on our perception and feelings. They may even alter our mood. My favorite color is blue. Online I found out that I am not alone. Apparently banks are usually blue in color, because the color blue is associated with trust. Meanwhile, there is also the expression “feeling blue”, which essentially means to be sad. I also found online that the color yellow, is the color of sunshine, hope and happiness, freshness, positivity, clarity, energy, optimism, enlightenment, remembrance, intellect, honor, loyalty and joy (I was surprised to find out such a long list). But at the same time it has the opposite meaning; yellow also represents cowardice and deceit.

The color red is associated with energy, war, danger, strength, power, determination as well as passion, desire and love. Red is a very emotionally intense color. There are some theories that the color red enhances the human metabolism, increases the respiration rate, and raises blood pressure. If colors play such an important role in peoples’ lives, is there a way to find out what is the right color for you? I found out quite a few sites online which can help choose the right colors either for the design of your home, clothing, and even your hair. If you would like to discover what colors best suit you, you can hire a consultant.

Smile and Share.

P.S. During our visit to the museum, as always, I was photographing people. After a few clicks I notice how many visitors that day were wearing red clothing. This led me to write this story. Hope you will find the four images interesting.

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Cheers,