August 13, 2025 • 36 mins
Today, Doug Pike interviews Lily Vittayarukskul Co-Founder and CEO of Waterlily about her company.
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Speaker 1 (00:01):
Remember what it was impossible to misplace the TV remote
because you were the TV remote. Remember when music sounded
like this? You remember when social media was truly social?
Speaker 2 (00:17):
Hey John, how's it going today?
Speaker 1 (00:20):
Well, this show is all about you. This is fifty
plus with Doug Pike. Helpful information on your finances, good health,
and what to do for fun. Fifty plus brought to
you by the UT Health Houston Institute on Aging, Informed
Decisions for a healthier, happier life.
Speaker 2 (00:42):
And now fifty plus with Doug Pike. All right, here
we go Wednesday issue of the program starts right now.
Thank you so very very very very very much for
joining us. I truly do appreciate that. I know Will
does this well, keeps us busy, keeps us in food
and shelter and clothing and all of that good stuff.
(01:03):
It's this part of the show. I guess it's kind
of a little bit like groundhog Day, maybe the movie
a little at least, except it doesn't last an hour
and a half and no Bill Murray. And you know,
we're here for an hour almost, and we've got a
lot of ground to cover today, so I don't want
to do that. First, we've got action in the tropics.
We should have some kind of a something one. No,
(01:25):
I don't want to I don't want to play any
kind of a scary sound. First of all, we can't
use the one that's really set aside for emergencies, because
then we could get in big, big trouble. So we're
not gonna do that. And short of just I don't know,
doing a note on a kazoo, it really, it really
wouldn't matter. We've got action in the tropics. I'll just
(01:47):
tell you about it. And that shouldn't come as a
surprise to anybody who's lived here more than an hour
and a half. It's August. The Atlantic and the Caribbean
and Pacific, and all the warm waters around the world
are spinning up and bowling up and boiling up. It's
(02:08):
happened forever. Tropical Storm Aerin still out there in the
middle of the Atlantic Ocean. Despite what I've heard a
few I've actually heard a few weather people on TV
lately talking about how well we better keep an eye
on this when it's headed it's headed west, you got
to keep an eye on it. Well, here's the deal.
(02:29):
I have a source that I truly trust. I've talked
I talk about it all the time. I don't want
to reveal it necessarily, but you can find it in
a hot minute. And what it provides is the collective
thinking of about I think sixteen different models, different algorithms,
(02:51):
if you will, that predict the movement of storms based
on past movement of storms, and for this one, despite
heavy odds of it becoming a hurricane and potentially a
major hurricane, this is tropical storm erin right now. It's
just a little bidio thing. It wouldn't amount to much.
(03:14):
They show it these sixteen models. Of the sixteen I
think it is, or maybe it's twelve, maybe it's fourteen.
It's at least ten or twelve, and every single one
of them. Before Aaron gets within one hundred and fifty
or two hundred miles of the east coast of the
United States, it's supposed to take a northward turn. And
(03:38):
I don't mean just a little north where it might
go into North Carolina instead of southern South Carolina. I'm
talking about a turn that if the models are correct,
and they all show it right now, If the models
are correct, this thing won't even get within a couple
of one hundred miles of the North American continent. When
(04:00):
it gets all the way up to Maine or a
little pass Maine, they might get some heavy serf from it.
But so far, so good on air, and so don't
go out and hoard anything just yet. Please, please don't
go out and hoard anything. Even if we get one
in the Gulf of Mexico, even if it looks like
it's gonna come in here, you don't have to stock
(04:22):
up as though this were armageddon and you're gonna be
isolated and powerless and helpless for a month. We're gonna
be okay. We've been through Anybody who's been here long
a long time knows that it. We're gonna get through it.
For the most part. There have been horrible storms through
here that have taken lives, but the overwhelming majority of
(04:44):
us are gonna get through it and rebuild and redo
whatever we have to do. By the way, that little
area of low pressure over the Yucatan Peninsula today has
a low chance of formation in the next week, and
hopefully it'll just get beat up and battered and fall
apart art as it as it goes across that land
mass down there, and maybe just not become anything. I
(05:08):
think there's something like a twenty percent chance over the
next seven days of it becoming something, and that I'll
take those odds. The markets, by the way, responded very
favorably to all of this week's financial news, and around
eleven o'clock at least a Dow was at forty four thousand,
seven hundred and ninety five points, which is very close
(05:30):
to an all time high. It was, it was higher
earlier in the day, and then I get the algorithms
kicked in, I presume, and did some profit, taking all
four of them up overall, and oil down below actually
down below sixty three dollars a barrel, which I kind
of I was a little bit surprised at that. Uh
(05:51):
not that I'm going to complain next time I fill
up my car, and that I fill that car up
at least once a week and sometimes more, not as
much as when I was driving all these baseball tournaments
all over God's Green Acres. But enough anyway, into the news.
We'll plod. Yeah, I'll start this off with this and
should get us to the first break. Harris County Judge
(06:15):
Lena Hidalgo, Well, she rant it earlier in the week.
In case you missed it got into some trouble for
that from the other commissioners. Actually, they voted to censure her.
And then yesterday, let it be know, she pulled on
the gloves and laced them up and said, bye, God.
She's an elected official and she's not going anywhere, at
least until the next election. There was talk about having
(06:37):
her removed from office. This is why she came out
and said all these tough guy things. I'm somewhat confident
that in the next election she may be shown the
door because I can't think of a single thing that
she's done so far into her second term. Now, that's
really changed my perception as someone who works in Houston.
(06:59):
I don't live in Youuston, but I work in Houston,
and I travel the roads a lot, and I drive
a lot of the surface streets, which is just one
one more pothole short of like driving on the moon.
I would imagine if the moon were made of concrete.
It's I've never been a fan, honestly, and certainly not
when I have the comparison of Judge ed Emmett in
(07:24):
my brain. For so many years, so many years, he
did so many things to keep us feeling comfortable, keep
us keep us. Okay, that's that's who I'm looking for
in that office. I wish he'd come out of retirement.
I think he'd be a great, great choice. Speaking of
great choices during the midst of storm season, Champions Tree Preservation, Man,
(07:47):
if you've got trees in your yard, especially big trees
like I have down in my neighborhood. The trees in
my neighborhood are anywhere from about thirty five to maybe
twenty five years old, and they dropped them into every
yard as every house went up, two along the street,
two in the yard, two along the street, two in
the yard every house. I wish I'd had a tree
(08:08):
farm back then and could have gotten that contract. That'd
be pretty good right now. What you need is for
Champions Tree Preservation to come to your neighborhood wherever that is,
your home, wherever it is, and get a full diagnosis
of what is or isn't wrong with your trees. If
they're in great shape, you're gonna be told they're in
great shape and you won't have to worry about anything.
If you have things to consider to deal with, Champions
(08:32):
Tree can do all of that work for you. They
have all the crews, all the equipment, everything from deep
root feeding, all the why up to taking an entire
thirty year old tree or fifty year old tree out
of the yard if its time is come and it
just needs to go. And if that's the case, they
actually do own a tree farm and they will pick
out a nice native Texas tree that can handle our
(08:55):
climate to put in place of the one they had
to take out. Call them for a consultation. It's it's
just that simple. Either go to the website or make
the phone call and get Irwin or Robin Castellanos. They
are both a father and son team of certified arbors.
They'll come to your house and take care of your
trees period two eight one three two zero eighty two
(09:17):
zero one two eight one three two zero eighty two
zero one. Or the website championstree dot com. That's Championstree
dot com.
Speaker 1 (09:27):
Aged to perfection. This is fifty plus with Dougpike. Welcome
back to.
Speaker 2 (09:33):
Fifty plus and thank you all for listening on this
currently pretty sunny Wednesday afternoon supposed to be that chancefer
afternoon pop ups. That's the real groundhog Day for me boy.
Every almost every afternoon, I could just about set my
watch like I could do when we were on summer
vacations down in Florida. Bye about over here over there,
(09:56):
it was. It was three point fifteen to about three
forty five somewhere in that little thirty minute window, there
was going to be a five minute downpour, just enough
to get my grandparents' asphalt street nice and steamy when
that water hited after it had been baked by the
sun all day. Now over here, of late, at least,
(10:18):
it's been more like about a five thirty six o'clock
a little rumble followed by some rain, sometimes a lot,
sometimes a little. Either way, it's just not good, just
not good. From click to Houston. I saw this story
just a little while ago, and it it just reminds
(10:38):
me of I don't know what's messed up about city politics. Sometimes, Uh,
there's a guy and doesn't matter, doesn't matter who. You
can go look up the story if you want to.
I don't like to throw names out here unless there's
one hundred percent something going on, and I just don't,
uh anyway. From the click to Houston story, a man
who pleaded guilty a while back to paying a city employee.
(11:01):
It's a pretty good dough and currently isn't allowed to
be involved in any city contract negotiations. Is gonna get
paid more than eight million dollars for work that was
already done on I believe it was the same project
that got him into the hot water originally. Now that
(11:24):
I may be a little bit off on that, but
I'm pretty dog on close, I think, And in any event,
I guess if the work was done and everything was
up and up to that day, then yeah, I think
he's owed his eight point three million dollars. But boy,
that's a tough pill for the city to have to swallow.
And I don't know, I just I get disappointed by
(11:47):
stuff like that. I can take this whole page right
here and fold it up and put it over here.
Now by the way, in about what is it ten
minutes or so, maybe twelve, we're gonna interview a woman
named I want to pronounce I want to practice this
Viti Yarrock School. Vitti Yarrock School. I think that's going
(12:08):
to be right. It's the most complicated last name I've
seen ever on this show, and I intend to get
it right or almost so, and then have the little
correction made when she comes on, but she has created
an AI model that predicts based on your current medical history.
She follows all the hippo rules. There's no shady access
(12:31):
to your medical data. But what it does is predict
based on where you are now health wise, the cost
of in home care, the cost of procedures you may
need in the future, the cost of all of these
things that you may not have any idea what are
going to cost, what they're going to cost. They have
(12:53):
the algorithm that figures that out for you. And when
I saw the price of the service, I was very
pleasure surprised, as I mentioned on Facebook a little while ago.
So hopefully you'll stick around for that when it's going
to be really good. A bill to in this kind
of is a not a moment too soon thing. A
bill to install the warning sirens that are much needed
(13:15):
along all those flood prone areas in the Hill country. Well,
it's gotten past the Texas sentate, and maybe when the
Dems in the House get back to Texas and back
to work, which they say they're going to do now
they were they were really close to ended up being
arrested to and hauled back, maybe we can do something
(13:36):
about that. System before the next flood. I still say
those sirens should have a different tone or different numbers
of blasts, if it has to be the same tone
to designate the the current level of threat along those
rivers at that moment, and so that a specific siren
(13:58):
can be heard that the the first level is gonna
say something, Hey, you know it's raining pretty hard up river.
We're gonna keep an eye on things and maybe start
just kind of thinking in your head about what you
might do. And by the way, anybody who owns a
home up in that area every day of every week
of every year ought to have a bag at the
(14:20):
front door that has basic supplies, basic supplies, or at
the very least a checklist where if you hear one
of those sirens that says, hey, here it comes, you
can look at that checklist and grab everything you're gonna
need to get out of there. You gotta have meds,
maybe you need glasses or contacts, the little incidental but
(14:43):
absolutely critical things that you're gonna need to maybe spend
a few days or weeks or months out of your home.
If your home gets washed away by a river, I
got news for you, got lots to replace, and I
know that a lot of people in this alle it's
maybe not directly impacted, but knew somebody who was. And
(15:05):
just think of how you're literally starting over from scratch.
All you have are the clothes on your back. That's
I can't imagine how difficult that could be. The second
tone or blast numbers or whatever would indicate that the
river is definitely gonna rise, but we're not so sure
(15:26):
how much yet. And then that third one says, hey,
get out, either start driving or start running uphill now.
And that's July flood. Think back to it, as horrific
as it is, but it went from something's coming it
seems like the water's coming up pretty quick, to an
(15:48):
absolutely catastrophic loss of property in life in barely an hour.
That all happened in barely an hour, and then it
just kept coming for hours more, and then almost as
quickly receded because it stopped raining. And that's when that
(16:08):
entire region was just overwhelmed with an outpouring of volunteers
and people and animals who could help find anybody who
was still out there and needed help. And then once
all of that had been done that could be done,
they took on the hard task of looking for something
(16:31):
to give to people whose family members had passed. They're
still interesting memorabilia that was found along that flood zone
that may or may not ever be returned to the
families of the rightful owners. They may not go looking
for it, they may not want that, but it's out
there and a lot of websites. It's very surreal almost
(16:54):
to look at all that stuff. I hope we can
get it. It just was such a bad, bad thing.
We can do better. We can, and I think the legislature,
once they set their minds to it and get the
rescue people involved and first responders, they'll figure out exactly
what those sounds should be and where they should be
put and keep any We're gonna have other floods. We
(17:18):
just don't want them to be as horrific as this
one was. We'll take a break, That's what we'll do.
And on the way out, I'm gonna tell you about
Cedar Cove RV Resort over there on try City Beach Road,
past little past Baytown. Go it tend to Baytown, hang
a south at try City Beach Road, and eventually you
will come to either Cedar Co RV Resort or maybe
(17:41):
Thompson's bake Camp. They're pretty close to each other down
there and right on Galveson Bay. As you figure a
bake camp might be over there, what you didn't know
probably was that that RV park was there, and how
beautiful the place is, just how it's how so relaxing
to be on the water like that. You get in
there and rather than haul the family to a motel
(18:02):
where you're gonna have who knows what for neighbors, maybe noisy,
maybe not, maybe screaming and moaning, maybe little kids crying
and bouncing off the walls because they want to go
outside but it's raining. If you're at Cedar CoV RV Resort, well,
first of all, there's a noise ordinance kind of well,
it's a noise rule that goes into effect at ten
no more loud noises after ten, no more resumption of
(18:24):
those noises until after six o'clock in the morning, which
is about the time maybe that somebody might be over
there hooked up with a big old redfish or something.
All concrete slabs and roads, electric water and sewer hook
ups at every site, Free Wi Fi got a bathhouse
with showers, a convenience store, everything you need to just
(18:46):
have a lot of fun now. If you don't own
an RV, if you don't own a motor home, there
is one available for rent that they will put onto
a particular slab wherever they keep it. I'm not sure
have it all ready to go, just like a motel room.
Only you can do your own cooking. You can do
it just you can learn about the motor home life
(19:07):
over a very nice view by the way sunrises and sunsets,
over the water, as opposed to over a dumpster behind
a restaurant. Finally settling into a nice steady weather pattern
here knock on wood. You never know this time of year.
Give it a try. Take a look Cedarcove rvresort dot com,
cedarcovervresort dot com.
Speaker 1 (19:29):
Well, they sure don't make them like they used to.
That's why every few months we wash them, check his fluids,
and spring on a fresh coat of wax. This is
fifty plus with Doug Pike.
Speaker 2 (19:40):
Welcome back to fifty plus and thanks you all for
sharing this little piece of your day. We'll talk in
this segment with a woman who shifted professional gears at
quite an early age, actually now runs a company called
water Lily. That uses quite modern technology. I guess it's
the most modern we have AI to help fan Famili's
plan ahead financially for the care and needs of aging
(20:04):
family members. And that woman is Lily Vita riuk School. Welcome, Lily.
Speaker 3 (20:13):
It's a pleasure to be here.
Speaker 2 (20:14):
I'm so glad to have you. The more I read
at your website, honestly, the more interested I got in this.
But how'd I do with your last name? By the way,
did I get it right?
Speaker 3 (20:24):
I think you did a fantastic joh.
Speaker 2 (20:25):
Thank goodness, thank you yours. What's the toughest I've encountered
so far. But let's get back to you. I saw
in your bio by the way, that you entered Berkeley
at fourteen with full intention of becoming an aerospace engineer.
Talk about what changed that path?
Speaker 3 (20:41):
Yeah, so I And then for context, I started college
at fourteen, and then I transferred Berkeley to finish it.
But I wanted to become an aerospace engineer. When I
was a lot younger, I was in love with space.
I was doing some work with NASA and got it
recognized from twelve, And then was this and she'd given
the steps to go ahead and work at MASSA when
(21:02):
I was sixteen on the robotics side at JPL in Pasadena,
and I thought that that was my dream trajectory, went
to college early for it. But when I was sixteen,
life happened my aunt, who was a really integral part
of our first generation immigrant family. She was diagnosed with
terminal stage colon cancer and post community she was so
(21:24):
frail that she needed help with the needs that were
used to with our grandparents and our aging parents, such
as bathing, dressing, eating, toiling, those sources of daily needs.
And it was really devastating for my family because one,
we didn't realize that help traditional health insurance, whether it's
Medicare or other kind of traditional types, just doesn't cover
(21:45):
this cost, and so we paid anything and everything for
her care at the home. But second, because we didn't
have a plan in place, it was really devastating for
us to navigate really hard care decisions and not not
already being aligned, and so that created a lot of
conflict between us, so much so that we haven't spoken
(22:06):
to our entire extended side of our family and my
on side in over a decade since all happened.
Speaker 2 (22:12):
Well, let's move past all that, and let's talk about
water Lily before we run out of time here, So
explain I think I know, but briefly explain what you do.
Then we'll get into how it happens exactly.
Speaker 3 (22:25):
Love that question. So with water Lily, what we do
is with a three minute intake survey, we use AI
that's been trained on over half the billion data points
of families that already navigated long term care, and we
try to look at the families that look most like
you so that we can predict not only your long
term care trajectory, what age or likelihood, how long, but
(22:47):
how much it's going to cost for you and your
family and help you, guys through the financial asset that's important.
Speaker 2 (22:52):
And do you use the individual health Everything's done within
Hippo rules obviously, but what you're doing essentially is using
AI to predict what my issues are right now, what
they're going to be in twenty years, thirty years, right exactly.
And it's going to be expensive, isn't it? We know
(23:12):
it is? How go ahead?
Speaker 3 (23:17):
Oh, I was just gonna say right now, it costs
quarter of a million dollars out of pocket touch you
pay for an average long term CARA event and what
we see from cms's actuarial tables is that how that
care cost is gonna compound by a little over five
percent year per year, you know, because cost increase inflation.
Speaker 2 (23:36):
Yeah, to simplify, you're not providing any kind of care
or in home services, none of that. You're just helping
people be prepared well in advance so that they can
be ready to pay for stuff that may not come
up for ten fifteen years. Right, yep, Okay, absolutely, Lily Voddie,
I'm gonna get it right vidi ya video ruck school there.
(23:59):
It is on fifty plus from Waterlily dot com. Waterlily
dot COM's all my audience needs to remember. Then they'll
learn about you because they should go to the about
us and it's it's fantastic. Based on experience that you
have with clients thus far, what percentage of people around
retirement age now which you say, have any real idea
what long term care is going to cost them?
Speaker 3 (24:23):
I would say definitely less than ten percent. It's probably
less seven percent.
Speaker 2 (24:29):
That's so frightening because I know people who are retired
and yeah, we're getting by, we're gonna be okay, and
they're in there, maybe their mid sixties, early seventies, and
I just I kind of see it coming now, presuming
the costs of these types of care are rising faster
than the prices of eggs and bread. What's a wild guess.
(24:50):
And you hinted at it earlier, But what's a wild
guest of the costs, say twenty years from now, for
a service it's like one hundred dollars an hour today.
Speaker 3 (25:01):
Oh man, So I wouldn't know that rough number of
one hundred dollars a day, but I'll tell you right
now a cost quarter of a million dollars if you're
that's a good point. If you're sixty years old and
then you turned eighty, we expect costs to be in
the high six figures or low seven figures by the
time you need care.
Speaker 2 (25:20):
Oh my word. Yeah, And where's all that good money gout?
It's certainly not going to come from Social Security right now.
So here's the good news. And I want to get
to the good news now because we've only got a
couple of minutes. When I looked at your pricing tab,
I didn't have any idea what to expect. But when
I saw, honestly how little you charge per month, for
these for access to all these predictions of what's coming.
(25:43):
I was quite pleasantly surprised. I got to tell you
talk about that for a second.
Speaker 3 (25:48):
Yeah, absolutely so. Waterloo is for financial professionals such as
financial advisors and care professionals such as so they use
our system all the time and it costs them fifty
nine dollars. For consumers, they can actually sign on to
our wait list and I personally take on one out
of every ten consumers and help them out individually free
(26:09):
of cost.
Speaker 2 (26:10):
Who you got to know to get in on that
might just want to jump in there, figure out what
it's going to cause me to get old? So what
about seniors who are hesitant to try to use this
because they just don't know much about AI and they
don't what they do know they don't trust yet, what
would you say to put them at ease about coming
(26:31):
into water Lily?
Speaker 3 (26:33):
Absolutely so. The reason why I built the system is
because what we had before it's just not sufficient. If
you're thinking about what my long term share costs are
going to look like, the best you have for national address, Oh,
you have a seventy percent likelihood of meeting care talking
to some people to fifty six percent for female nationally
on average. You know, let's just say it's about three
and a half years. Let's look into a nursing home
(26:55):
in your area. It's about ten thousand dollars a month.
Let's multiply that. Do you have that much? And it's
just not personalized and it's really scary topic. And so
with a we are looking at the jains to our
sixty that looks like you and looks like your family
structures and amount of kids you have and whatnot that
already went through this so that we could give you
a more precise estimation that you could build a real
(27:18):
plan because it's a lot of money.
Speaker 2 (27:20):
We're talking about the number of data points that you
guys are looking at. You take into consideration, geography, you
take into consideration health, former family member's health, and all
these things that really do add up to a pretty
good idea of what it is going to cost, doesn't it?
Speaker 3 (27:39):
Absolutely? And we also asked about your uh, we asked
some financial questions as well, because how much money you
have also has an effect on your health trajectory.
Speaker 2 (27:48):
Is there any point at which I might push a
button it'll come up? So you need to rob a
couple of banks.
Speaker 3 (27:55):
I think so. If anything, there's actually quite a few,
probably high leverage financial vehicles that existence. They're complex to understand,
but where instead of you trying to pay out a
pocket at one point two million dollars at eight hundred
thousand dollars in the future and that's your retirement egg
right there, there are vehicles where you paid fifty thousand
dollars or total that should cover a quarter for like
(28:19):
twenty five percent of your car nees or like you know,
four hundred thousand dollars, five hundred thousand dollars easily. And
so looking into things like insurance, looking into continuous care
retirement communities where you pay upfront could actually be a
much better investment for the topic than trying to pay
out of pocket.
Speaker 2 (28:36):
Yeah, that's the kind of information that seniors need. We
so desperately. I a senior so desperately need that information
in a in a format that's easy enough to understand
for us. And I think you, I really do think
you've hit the nail on the head. Thank you so
very much. I really appreciate your.
Speaker 3 (28:51):
Time, Lily, absolutely thank you for having me.
Speaker 2 (28:54):
All right, Yeah, Waterlily dot com, go there. Look around.
You're gonna be happy you did, I promise, Thank you.
All right, we gotta take a little break here on
the way out. Another fantastic place to go. Take a
look ut Health Institute on Aging. This is the collaborative
that we've talked about. This is actual medical support, not
financial help and financial instruction. Medical help from providers from
(29:16):
every discipline in medicine, top to bottom, you name it.
There is somebody within the Institute on Aging who has
gone back in that discipline and gotten additional instruction on
how to apply that knowledge, specifically to seniors. That is
so important to us. We have it and most people
(29:37):
in the country do not. It's as simple as that
they can find great doctors, great this doctor, that doctor,
every kind of doctor, but they haven't gotten that additional
layer of expertise that qualifies them to be part of
this group. And they are one heck of a group.
The website has access to virtually unlimited data and information
(30:02):
about everything that could possibly be wrong with you and
how to fix it. And then on top of that,
you can get the access to the providers, most of
whom are in the medcenter. No big surprise there. But
if you don't like going into the medcenter, or can't
get to the med center for whatever reason. All you
have to do is keep searching a little bit, maybe
make a couple of phone calls and find one of
(30:22):
these providers who also spends time in outlying clinics and hospitals.
Ut dot edu slash aging. That's the website. Go there,
look around. You'll be glad you did Utch dot edu
slash aging.
Speaker 1 (30:39):
Old guys rule, and of course women never get old
if you want to avoid sleeping on the couch. Uh.
Speaker 2 (30:47):
I think that sounds like a good plan. Fifty plus continues.
Here's more with Doug. All Right, fourth and final segment
of the program starts right now. I had to just
throw in the towel with the wordle today and get
Will to tell me what the word was. And when
he told me, this is like the other word game
that I play a lot in that I had no
(31:09):
idea that that arrangement of letters was a word. It's
and it's some obscure milk drink or something like that.
I can't remember exactly what he told me it was,
but I that's the first time and I think ever
in wordle that I've been stumped by a word. I
just could not find it in my head. And I'm
(31:31):
on limited time in here anyway. So there you have that,
And I won't tell you what the word was. You're
just gonna have to go figure it out for yourself.
But that other word game of mine I was telling
Will just before we came back on I. You have
all the letters sitting in front of you. There, there's
about they'll give you six or seven letters, and you
got to make them into as many words as you can.
(31:52):
And if you start playing this game, if you ever do,
you will be amazed at how many weird arrangements of
letters all actually are words. That's enough of that for sure.
From the land of hypocrisy comes news. It's not really
news because it involves mainstream media, so take it for
what it's worth. Anyway. If you go back a year, two, five,
(32:14):
maybe ten, you'll dig up all sorts of stories that
were aired and written by mainstream media about how much
crime there was in Washington, d c our Nation's capital. Oh,
it's just a horrible place. It's so full of crime.
Murder rates up, carjackings up, burglary, robbery, theft, all of
it up, up, up, up up until President Trump got in.
(32:37):
This is a place where the chief of police, The
chief of police in Washington, d C. D C said
this when asked by a reporter Tuesday morning. The question was,
can you tell us what the chain of command is?
Speaker 1 (32:53):
Now?
Speaker 2 (32:56):
And the chief of police is set to have responded?
And I quote, what does that mean? End quote? What
does that mean? Well, it means the chain of command? No,
I know, but what is that A chief of police,
(33:16):
I think should know the chain of commands, should know
what it is, and should know what it is in
that particular city so and so, and now when President
Trump decides to clean up the front porch, suddenly it's
one of the safest cities in America, according to them,
because they just can't stand the one man who is
legitimately trying to fix. What we're learning more and more
(33:41):
is a really broken, really broken country. Mostly on one
side us go to the easy stuff, the simpler stuff,
the happier stuff. By the way, today somebody needs to
send me an email. Today is happy International left Hander's Day.
(34:03):
And the odds of being in my club. I can
barely walk right handed, I really I have. I can
shoot right handed a little bit but beyond that, and
I could probably fish if I had to right handed.
I don't care which side of the real the handles
on it. I really don't. I can deal with it
either way. But only one in ten of us enjoys
(34:26):
the luxury and esteem that come with being left handed,
and of course the elevated intelligence and all of that.
Older than you think is the head I put on
this little tidbit of information. The first place in the
entire United States to use nine to one one as
(34:47):
its emergency number the little town of Hayleyville, Alabama. And
what you probably will find more surprising is that they
did that in nineteen sixty eight. In nineteen sixty eight.
I need one more to make it through one minute, um,
(35:09):
not that one. Maybe these two I can get to.
Recent air France flight had to make an emergency landing
in Canada to save a woman's life, and she, according
to the story, seemed pretty dog one ungrateful about it,
so much so that the pilot hopped on the intercom
(35:31):
after they took off again without her to reveal that
the woman who was taken off the plane to save
her life gave the captain a one finger salute on
the way out the door. That was pretty ungrateful. I
had it wrong, I say here. Taco Bells added a
new Baja Blast flavor to the permanent menu for the
(35:54):
first time in twenty years. I had it all wrong.
I thought Baja Blast was something that after, you know,
maybe something you get after you eat a bad burrito.
What do I know, though, It's citrus and passion fruit.
Baha midnight. That's it for today. We'll see you tomorrow. Audios.
Remember what it was impossible to misplace the TV remote
because you were the TV remote. Remember when music sounded
like this? You remember when social media was truly social?
Speaker 2 (00:17):
Hey John, how's it going today?
Speaker 1 (00:20):
Well, this show is all about you. This is fifty
plus with Doug Pike. Helpful information on your finances, good health,
and what to do for fun. Fifty plus brought to
you by the UT Health Houston Institute on Aging, Informed
Decisions for a healthier, happier life.
Speaker 2 (00:42):
And now fifty plus with Doug Pike. All right, here
we go Wednesday issue of the program starts right now.
Thank you so very very very very very much for
joining us. I truly do appreciate that. I know Will
does this well, keeps us busy, keeps us in food
and shelter and clothing and all of that good stuff.
(01:03):
It's this part of the show. I guess it's kind
of a little bit like groundhog Day, maybe the movie
a little at least, except it doesn't last an hour
and a half and no Bill Murray. And you know,
we're here for an hour almost, and we've got a
lot of ground to cover today, so I don't want
to do that. First, we've got action in the tropics.
We should have some kind of a something one. No,
(01:25):
I don't want to I don't want to play any
kind of a scary sound. First of all, we can't
use the one that's really set aside for emergencies, because
then we could get in big, big trouble. So we're
not gonna do that. And short of just I don't know,
doing a note on a kazoo, it really, it really
wouldn't matter. We've got action in the tropics. I'll just
(01:47):
tell you about it. And that shouldn't come as a
surprise to anybody who's lived here more than an hour
and a half. It's August. The Atlantic and the Caribbean
and Pacific, and all the warm waters around the world
are spinning up and bowling up and boiling up. It's
(02:08):
happened forever. Tropical Storm Aerin still out there in the
middle of the Atlantic Ocean. Despite what I've heard a
few I've actually heard a few weather people on TV
lately talking about how well we better keep an eye
on this when it's headed it's headed west, you got
to keep an eye on it. Well, here's the deal.
(02:29):
I have a source that I truly trust. I've talked
I talk about it all the time. I don't want
to reveal it necessarily, but you can find it in
a hot minute. And what it provides is the collective
thinking of about I think sixteen different models, different algorithms,
(02:51):
if you will, that predict the movement of storms based
on past movement of storms, and for this one, despite
heavy odds of it becoming a hurricane and potentially a
major hurricane, this is tropical storm erin right now. It's
just a little bidio thing. It wouldn't amount to much.
(03:14):
They show it these sixteen models. Of the sixteen I
think it is, or maybe it's twelve, maybe it's fourteen.
It's at least ten or twelve, and every single one
of them. Before Aaron gets within one hundred and fifty
or two hundred miles of the east coast of the
United States, it's supposed to take a northward turn. And
(03:38):
I don't mean just a little north where it might
go into North Carolina instead of southern South Carolina. I'm
talking about a turn that if the models are correct,
and they all show it right now, If the models
are correct, this thing won't even get within a couple
of one hundred miles of the North American continent. When
(04:00):
it gets all the way up to Maine or a
little pass Maine, they might get some heavy serf from it.
But so far, so good on air, and so don't
go out and hoard anything just yet. Please, please don't
go out and hoard anything. Even if we get one
in the Gulf of Mexico, even if it looks like
it's gonna come in here, you don't have to stock
(04:22):
up as though this were armageddon and you're gonna be
isolated and powerless and helpless for a month. We're gonna
be okay. We've been through Anybody who's been here long
a long time knows that it. We're gonna get through it.
For the most part. There have been horrible storms through
here that have taken lives, but the overwhelming majority of
(04:44):
us are gonna get through it and rebuild and redo
whatever we have to do. By the way, that little
area of low pressure over the Yucatan Peninsula today has
a low chance of formation in the next week, and
hopefully it'll just get beat up and battered and fall
apart art as it as it goes across that land
mass down there, and maybe just not become anything. I
(05:08):
think there's something like a twenty percent chance over the
next seven days of it becoming something, and that I'll
take those odds. The markets, by the way, responded very
favorably to all of this week's financial news, and around
eleven o'clock at least a Dow was at forty four thousand,
seven hundred and ninety five points, which is very close
(05:30):
to an all time high. It was, it was higher
earlier in the day, and then I get the algorithms
kicked in, I presume, and did some profit, taking all
four of them up overall, and oil down below actually
down below sixty three dollars a barrel, which I kind
of I was a little bit surprised at that. Uh
(05:51):
not that I'm going to complain next time I fill
up my car, and that I fill that car up
at least once a week and sometimes more, not as
much as when I was driving all these baseball tournaments
all over God's Green Acres. But enough anyway, into the news.
We'll plod. Yeah, I'll start this off with this and
should get us to the first break. Harris County Judge
(06:15):
Lena Hidalgo, Well, she rant it earlier in the week.
In case you missed it got into some trouble for
that from the other commissioners. Actually, they voted to censure her.
And then yesterday, let it be know, she pulled on
the gloves and laced them up and said, bye, God.
She's an elected official and she's not going anywhere, at
least until the next election. There was talk about having
(06:37):
her removed from office. This is why she came out
and said all these tough guy things. I'm somewhat confident
that in the next election she may be shown the
door because I can't think of a single thing that
she's done so far into her second term. Now, that's
really changed my perception as someone who works in Houston.
(06:59):
I don't live in Youuston, but I work in Houston,
and I travel the roads a lot, and I drive
a lot of the surface streets, which is just one
one more pothole short of like driving on the moon.
I would imagine if the moon were made of concrete.
It's I've never been a fan, honestly, and certainly not
when I have the comparison of Judge ed Emmett in
(07:24):
my brain. For so many years, so many years, he
did so many things to keep us feeling comfortable, keep
us keep us. Okay, that's that's who I'm looking for
in that office. I wish he'd come out of retirement.
I think he'd be a great, great choice. Speaking of
great choices during the midst of storm season, Champions Tree Preservation, Man,
(07:47):
if you've got trees in your yard, especially big trees
like I have down in my neighborhood. The trees in
my neighborhood are anywhere from about thirty five to maybe
twenty five years old, and they dropped them into every
yard as every house went up, two along the street,
two in the yard, two along the street, two in
the yard every house. I wish I'd had a tree
(08:08):
farm back then and could have gotten that contract. That'd
be pretty good right now. What you need is for
Champions Tree Preservation to come to your neighborhood wherever that is,
your home, wherever it is, and get a full diagnosis
of what is or isn't wrong with your trees. If
they're in great shape, you're gonna be told they're in
great shape and you won't have to worry about anything.
If you have things to consider to deal with, Champions
(08:32):
Tree can do all of that work for you. They
have all the crews, all the equipment, everything from deep
root feeding, all the why up to taking an entire
thirty year old tree or fifty year old tree out
of the yard if its time is come and it
just needs to go. And if that's the case, they
actually do own a tree farm and they will pick
out a nice native Texas tree that can handle our
(08:55):
climate to put in place of the one they had
to take out. Call them for a consultation. It's it's
just that simple. Either go to the website or make
the phone call and get Irwin or Robin Castellanos. They
are both a father and son team of certified arbors.
They'll come to your house and take care of your
trees period two eight one three two zero eighty two
(09:17):
zero one two eight one three two zero eighty two
zero one. Or the website championstree dot com. That's Championstree
dot com.
Speaker 1 (09:27):
Aged to perfection. This is fifty plus with Dougpike. Welcome
back to.
Speaker 2 (09:33):
Fifty plus and thank you all for listening on this
currently pretty sunny Wednesday afternoon supposed to be that chancefer
afternoon pop ups. That's the real groundhog Day for me boy.
Every almost every afternoon, I could just about set my
watch like I could do when we were on summer
vacations down in Florida. Bye about over here over there,
(09:56):
it was. It was three point fifteen to about three
forty five somewhere in that little thirty minute window, there
was going to be a five minute downpour, just enough
to get my grandparents' asphalt street nice and steamy when
that water hited after it had been baked by the
sun all day. Now over here, of late, at least,
(10:18):
it's been more like about a five thirty six o'clock
a little rumble followed by some rain, sometimes a lot,
sometimes a little. Either way, it's just not good, just
not good. From click to Houston. I saw this story
just a little while ago, and it it just reminds
(10:38):
me of I don't know what's messed up about city politics. Sometimes, Uh,
there's a guy and doesn't matter, doesn't matter who. You
can go look up the story if you want to.
I don't like to throw names out here unless there's
one hundred percent something going on, and I just don't,
uh anyway. From the click to Houston story, a man
who pleaded guilty a while back to paying a city employee.
(11:01):
It's a pretty good dough and currently isn't allowed to
be involved in any city contract negotiations. Is gonna get
paid more than eight million dollars for work that was
already done on I believe it was the same project
that got him into the hot water originally. Now that
(11:24):
I may be a little bit off on that, but
I'm pretty dog on close, I think, And in any event,
I guess if the work was done and everything was
up and up to that day, then yeah, I think
he's owed his eight point three million dollars. But boy,
that's a tough pill for the city to have to swallow.
And I don't know, I just I get disappointed by
(11:47):
stuff like that. I can take this whole page right
here and fold it up and put it over here.
Now by the way, in about what is it ten
minutes or so, maybe twelve, we're gonna interview a woman
named I want to pronounce I want to practice this
Viti Yarrock School. Vitti Yarrock School. I think that's going
(12:08):
to be right. It's the most complicated last name I've
seen ever on this show, and I intend to get
it right or almost so, and then have the little
correction made when she comes on, but she has created
an AI model that predicts based on your current medical history.
She follows all the hippo rules. There's no shady access
(12:31):
to your medical data. But what it does is predict
based on where you are now health wise, the cost
of in home care, the cost of procedures you may
need in the future, the cost of all of these
things that you may not have any idea what are
going to cost, what they're going to cost. They have
(12:53):
the algorithm that figures that out for you. And when
I saw the price of the service, I was very
pleasure surprised, as I mentioned on Facebook a little while ago.
So hopefully you'll stick around for that when it's going
to be really good. A bill to in this kind
of is a not a moment too soon thing. A
bill to install the warning sirens that are much needed
(13:15):
along all those flood prone areas in the Hill country. Well,
it's gotten past the Texas sentate, and maybe when the
Dems in the House get back to Texas and back
to work, which they say they're going to do now
they were they were really close to ended up being
arrested to and hauled back, maybe we can do something
(13:36):
about that. System before the next flood. I still say
those sirens should have a different tone or different numbers
of blasts, if it has to be the same tone
to designate the the current level of threat along those
rivers at that moment, and so that a specific siren
(13:58):
can be heard that the the first level is gonna
say something, Hey, you know it's raining pretty hard up river.
We're gonna keep an eye on things and maybe start
just kind of thinking in your head about what you
might do. And by the way, anybody who owns a
home up in that area every day of every week
of every year ought to have a bag at the
(14:20):
front door that has basic supplies, basic supplies, or at
the very least a checklist where if you hear one
of those sirens that says, hey, here it comes, you
can look at that checklist and grab everything you're gonna
need to get out of there. You gotta have meds,
maybe you need glasses or contacts, the little incidental but
(14:43):
absolutely critical things that you're gonna need to maybe spend
a few days or weeks or months out of your home.
If your home gets washed away by a river, I
got news for you, got lots to replace, and I
know that a lot of people in this alle it's
maybe not directly impacted, but knew somebody who was. And
(15:05):
just think of how you're literally starting over from scratch.
All you have are the clothes on your back. That's
I can't imagine how difficult that could be. The second
tone or blast numbers or whatever would indicate that the
river is definitely gonna rise, but we're not so sure
(15:26):
how much yet. And then that third one says, hey,
get out, either start driving or start running uphill now.
And that's July flood. Think back to it, as horrific
as it is, but it went from something's coming it
seems like the water's coming up pretty quick, to an
(15:48):
absolutely catastrophic loss of property in life in barely an hour.
That all happened in barely an hour, and then it
just kept coming for hours more, and then almost as
quickly receded because it stopped raining. And that's when that
(16:08):
entire region was just overwhelmed with an outpouring of volunteers
and people and animals who could help find anybody who
was still out there and needed help. And then once
all of that had been done that could be done,
they took on the hard task of looking for something
(16:31):
to give to people whose family members had passed. They're
still interesting memorabilia that was found along that flood zone
that may or may not ever be returned to the
families of the rightful owners. They may not go looking
for it, they may not want that, but it's out
there and a lot of websites. It's very surreal almost
(16:54):
to look at all that stuff. I hope we can
get it. It just was such a bad, bad thing.
We can do better. We can, and I think the legislature,
once they set their minds to it and get the
rescue people involved and first responders, they'll figure out exactly
what those sounds should be and where they should be
put and keep any We're gonna have other floods. We
(17:18):
just don't want them to be as horrific as this
one was. We'll take a break, That's what we'll do.
And on the way out, I'm gonna tell you about
Cedar Cove RV Resort over there on try City Beach Road,
past little past Baytown. Go it tend to Baytown, hang
a south at try City Beach Road, and eventually you
will come to either Cedar Co RV Resort or maybe
(17:41):
Thompson's bake Camp. They're pretty close to each other down
there and right on Galveson Bay. As you figure a
bake camp might be over there, what you didn't know
probably was that that RV park was there, and how
beautiful the place is, just how it's how so relaxing
to be on the water like that. You get in
there and rather than haul the family to a motel
(18:02):
where you're gonna have who knows what for neighbors, maybe noisy,
maybe not, maybe screaming and moaning, maybe little kids crying
and bouncing off the walls because they want to go
outside but it's raining. If you're at Cedar CoV RV Resort, well,
first of all, there's a noise ordinance kind of well,
it's a noise rule that goes into effect at ten
no more loud noises after ten, no more resumption of
(18:24):
those noises until after six o'clock in the morning, which
is about the time maybe that somebody might be over
there hooked up with a big old redfish or something.
All concrete slabs and roads, electric water and sewer hook
ups at every site, Free Wi Fi got a bathhouse
with showers, a convenience store, everything you need to just
(18:46):
have a lot of fun now. If you don't own
an RV, if you don't own a motor home, there
is one available for rent that they will put onto
a particular slab wherever they keep it. I'm not sure
have it all ready to go, just like a motel room.
Only you can do your own cooking. You can do
it just you can learn about the motor home life
(19:07):
over a very nice view by the way sunrises and sunsets,
over the water, as opposed to over a dumpster behind
a restaurant. Finally settling into a nice steady weather pattern
here knock on wood. You never know this time of year.
Give it a try. Take a look Cedarcove rvresort dot com,
cedarcovervresort dot com.
Speaker 1 (19:29):
Well, they sure don't make them like they used to.
That's why every few months we wash them, check his fluids,
and spring on a fresh coat of wax. This is
fifty plus with Doug Pike.
Speaker 2 (19:40):
Welcome back to fifty plus and thanks you all for
sharing this little piece of your day. We'll talk in
this segment with a woman who shifted professional gears at
quite an early age, actually now runs a company called
water Lily. That uses quite modern technology. I guess it's
the most modern we have AI to help fan Famili's
plan ahead financially for the care and needs of aging
(20:04):
family members. And that woman is Lily Vita riuk School. Welcome, Lily.
Speaker 3 (20:13):
It's a pleasure to be here.
Speaker 2 (20:14):
I'm so glad to have you. The more I read
at your website, honestly, the more interested I got in this.
But how'd I do with your last name? By the way,
did I get it right?
Speaker 3 (20:24):
I think you did a fantastic joh.
Speaker 2 (20:25):
Thank goodness, thank you yours. What's the toughest I've encountered
so far. But let's get back to you. I saw
in your bio by the way, that you entered Berkeley
at fourteen with full intention of becoming an aerospace engineer.
Talk about what changed that path?
Speaker 3 (20:41):
Yeah, so I And then for context, I started college
at fourteen, and then I transferred Berkeley to finish it.
But I wanted to become an aerospace engineer. When I
was a lot younger, I was in love with space.
I was doing some work with NASA and got it
recognized from twelve, And then was this and she'd given
the steps to go ahead and work at MASSA when
(21:02):
I was sixteen on the robotics side at JPL in Pasadena,
and I thought that that was my dream trajectory, went
to college early for it. But when I was sixteen,
life happened my aunt, who was a really integral part
of our first generation immigrant family. She was diagnosed with
terminal stage colon cancer and post community she was so
(21:24):
frail that she needed help with the needs that were
used to with our grandparents and our aging parents, such
as bathing, dressing, eating, toiling, those sources of daily needs.
And it was really devastating for my family because one,
we didn't realize that help traditional health insurance, whether it's
Medicare or other kind of traditional types, just doesn't cover
(21:45):
this cost, and so we paid anything and everything for
her care at the home. But second, because we didn't
have a plan in place, it was really devastating for
us to navigate really hard care decisions and not not
already being aligned, and so that created a lot of
conflict between us, so much so that we haven't spoken
(22:06):
to our entire extended side of our family and my
on side in over a decade since all happened.
Speaker 2 (22:12):
Well, let's move past all that, and let's talk about
water Lily before we run out of time here, So
explain I think I know, but briefly explain what you do.
Then we'll get into how it happens exactly.
Speaker 3 (22:25):
Love that question. So with water Lily, what we do
is with a three minute intake survey, we use AI
that's been trained on over half the billion data points
of families that already navigated long term care, and we
try to look at the families that look most like
you so that we can predict not only your long
term care trajectory, what age or likelihood, how long, but
(22:47):
how much it's going to cost for you and your
family and help you, guys through the financial asset that's important.
Speaker 2 (22:52):
And do you use the individual health Everything's done within
Hippo rules obviously, but what you're doing essentially is using
AI to predict what my issues are right now, what
they're going to be in twenty years, thirty years, right exactly.
And it's going to be expensive, isn't it? We know
(23:12):
it is? How go ahead?
Speaker 3 (23:17):
Oh, I was just gonna say right now, it costs
quarter of a million dollars out of pocket touch you
pay for an average long term CARA event and what
we see from cms's actuarial tables is that how that
care cost is gonna compound by a little over five
percent year per year, you know, because cost increase inflation.
Speaker 2 (23:36):
Yeah, to simplify, you're not providing any kind of care
or in home services, none of that. You're just helping
people be prepared well in advance so that they can
be ready to pay for stuff that may not come
up for ten fifteen years. Right, yep, Okay, absolutely, Lily Voddie,
I'm gonna get it right vidi ya video ruck school there.
(23:59):
It is on fifty plus from Waterlily dot com. Waterlily
dot COM's all my audience needs to remember. Then they'll
learn about you because they should go to the about
us and it's it's fantastic. Based on experience that you
have with clients thus far, what percentage of people around
retirement age now which you say, have any real idea
what long term care is going to cost them?
Speaker 3 (24:23):
I would say definitely less than ten percent. It's probably
less seven percent.
Speaker 2 (24:29):
That's so frightening because I know people who are retired
and yeah, we're getting by, we're gonna be okay, and
they're in there, maybe their mid sixties, early seventies, and
I just I kind of see it coming now, presuming
the costs of these types of care are rising faster
than the prices of eggs and bread. What's a wild guess.
(24:50):
And you hinted at it earlier, But what's a wild
guest of the costs, say twenty years from now, for
a service it's like one hundred dollars an hour today.
Speaker 3 (25:01):
Oh man, So I wouldn't know that rough number of
one hundred dollars a day, but I'll tell you right
now a cost quarter of a million dollars if you're
that's a good point. If you're sixty years old and
then you turned eighty, we expect costs to be in
the high six figures or low seven figures by the
time you need care.
Speaker 2 (25:20):
Oh my word. Yeah, And where's all that good money gout?
It's certainly not going to come from Social Security right now.
So here's the good news. And I want to get
to the good news now because we've only got a
couple of minutes. When I looked at your pricing tab,
I didn't have any idea what to expect. But when
I saw, honestly how little you charge per month, for
these for access to all these predictions of what's coming.
(25:43):
I was quite pleasantly surprised. I got to tell you
talk about that for a second.
Speaker 3 (25:48):
Yeah, absolutely so. Waterloo is for financial professionals such as
financial advisors and care professionals such as so they use
our system all the time and it costs them fifty
nine dollars. For consumers, they can actually sign on to
our wait list and I personally take on one out
of every ten consumers and help them out individually free
(26:09):
of cost.
Speaker 2 (26:10):
Who you got to know to get in on that
might just want to jump in there, figure out what
it's going to cause me to get old? So what
about seniors who are hesitant to try to use this
because they just don't know much about AI and they
don't what they do know they don't trust yet, what
would you say to put them at ease about coming
(26:31):
into water Lily?
Speaker 3 (26:33):
Absolutely so. The reason why I built the system is
because what we had before it's just not sufficient. If
you're thinking about what my long term share costs are
going to look like, the best you have for national address, Oh,
you have a seventy percent likelihood of meeting care talking
to some people to fifty six percent for female nationally
on average. You know, let's just say it's about three
and a half years. Let's look into a nursing home
(26:55):
in your area. It's about ten thousand dollars a month.
Let's multiply that. Do you have that much? And it's
just not personalized and it's really scary topic. And so
with a we are looking at the jains to our
sixty that looks like you and looks like your family
structures and amount of kids you have and whatnot that
already went through this so that we could give you
a more precise estimation that you could build a real
(27:18):
plan because it's a lot of money.
Speaker 2 (27:20):
We're talking about the number of data points that you
guys are looking at. You take into consideration, geography, you
take into consideration health, former family member's health, and all
these things that really do add up to a pretty
good idea of what it is going to cost, doesn't it?
Speaker 3 (27:39):
Absolutely? And we also asked about your uh, we asked
some financial questions as well, because how much money you
have also has an effect on your health trajectory.
Speaker 2 (27:48):
Is there any point at which I might push a
button it'll come up? So you need to rob a
couple of banks.
Speaker 3 (27:55):
I think so. If anything, there's actually quite a few,
probably high leverage financial vehicles that existence. They're complex to understand,
but where instead of you trying to pay out a
pocket at one point two million dollars at eight hundred
thousand dollars in the future and that's your retirement egg
right there, there are vehicles where you paid fifty thousand
dollars or total that should cover a quarter for like
(28:19):
twenty five percent of your car nees or like you know,
four hundred thousand dollars, five hundred thousand dollars easily. And
so looking into things like insurance, looking into continuous care
retirement communities where you pay upfront could actually be a
much better investment for the topic than trying to pay
out of pocket.
Speaker 2 (28:36):
Yeah, that's the kind of information that seniors need. We
so desperately. I a senior so desperately need that information
in a in a format that's easy enough to understand
for us. And I think you, I really do think
you've hit the nail on the head. Thank you so
very much. I really appreciate your.
Speaker 3 (28:51):
Time, Lily, absolutely thank you for having me.
Speaker 2 (28:54):
All right, Yeah, Waterlily dot com, go there. Look around.
You're gonna be happy you did, I promise, Thank you.
All right, we gotta take a little break here on
the way out. Another fantastic place to go. Take a
look ut Health Institute on Aging. This is the collaborative
that we've talked about. This is actual medical support, not
financial help and financial instruction. Medical help from providers from
(29:16):
every discipline in medicine, top to bottom, you name it.
There is somebody within the Institute on Aging who has
gone back in that discipline and gotten additional instruction on
how to apply that knowledge, specifically to seniors. That is
so important to us. We have it and most people
(29:37):
in the country do not. It's as simple as that
they can find great doctors, great this doctor, that doctor,
every kind of doctor, but they haven't gotten that additional
layer of expertise that qualifies them to be part of
this group. And they are one heck of a group.
The website has access to virtually unlimited data and information
(30:02):
about everything that could possibly be wrong with you and
how to fix it. And then on top of that,
you can get the access to the providers, most of
whom are in the medcenter. No big surprise there. But
if you don't like going into the medcenter, or can't
get to the med center for whatever reason. All you
have to do is keep searching a little bit, maybe
make a couple of phone calls and find one of
(30:22):
these providers who also spends time in outlying clinics and hospitals.
Ut dot edu slash aging. That's the website. Go there,
look around. You'll be glad you did Utch dot edu
slash aging.
Speaker 1 (30:39):
Old guys rule, and of course women never get old
if you want to avoid sleeping on the couch. Uh.
Speaker 2 (30:47):
I think that sounds like a good plan. Fifty plus continues.
Here's more with Doug. All Right, fourth and final segment
of the program starts right now. I had to just
throw in the towel with the wordle today and get
Will to tell me what the word was. And when
he told me, this is like the other word game
that I play a lot in that I had no
(31:09):
idea that that arrangement of letters was a word. It's
and it's some obscure milk drink or something like that.
I can't remember exactly what he told me it was,
but I that's the first time and I think ever
in wordle that I've been stumped by a word. I
just could not find it in my head. And I'm
(31:31):
on limited time in here anyway. So there you have that,
And I won't tell you what the word was. You're
just gonna have to go figure it out for yourself.
But that other word game of mine I was telling
Will just before we came back on I. You have
all the letters sitting in front of you. There, there's
about they'll give you six or seven letters, and you
got to make them into as many words as you can.
(31:52):
And if you start playing this game, if you ever do,
you will be amazed at how many weird arrangements of
letters all actually are words. That's enough of that for sure.
From the land of hypocrisy comes news. It's not really
news because it involves mainstream media, so take it for
what it's worth. Anyway. If you go back a year, two, five,
(32:14):
maybe ten, you'll dig up all sorts of stories that
were aired and written by mainstream media about how much
crime there was in Washington, d c our Nation's capital. Oh,
it's just a horrible place. It's so full of crime.
Murder rates up, carjackings up, burglary, robbery, theft, all of
it up, up, up, up up until President Trump got in.
(32:37):
This is a place where the chief of police, The
chief of police in Washington, d C. D C said
this when asked by a reporter Tuesday morning. The question was,
can you tell us what the chain of command is?
Speaker 1 (32:53):
Now?
Speaker 2 (32:56):
And the chief of police is set to have responded?
And I quote, what does that mean? End quote? What
does that mean? Well, it means the chain of command? No,
I know, but what is that A chief of police,
(33:16):
I think should know the chain of commands, should know
what it is, and should know what it is in
that particular city so and so, and now when President
Trump decides to clean up the front porch, suddenly it's
one of the safest cities in America, according to them,
because they just can't stand the one man who is
legitimately trying to fix. What we're learning more and more
(33:41):
is a really broken, really broken country. Mostly on one
side us go to the easy stuff, the simpler stuff,
the happier stuff. By the way, today somebody needs to
send me an email. Today is happy International left Hander's Day.
(34:03):
And the odds of being in my club. I can
barely walk right handed, I really I have. I can
shoot right handed a little bit but beyond that, and
I could probably fish if I had to right handed.
I don't care which side of the real the handles
on it. I really don't. I can deal with it
either way. But only one in ten of us enjoys
(34:26):
the luxury and esteem that come with being left handed,
and of course the elevated intelligence and all of that.
Older than you think is the head I put on
this little tidbit of information. The first place in the
entire United States to use nine to one one as
(34:47):
its emergency number the little town of Hayleyville, Alabama. And
what you probably will find more surprising is that they
did that in nineteen sixty eight. In nineteen sixty eight.
I need one more to make it through one minute, um,
(35:09):
not that one. Maybe these two I can get to.
Recent air France flight had to make an emergency landing
in Canada to save a woman's life, and she, according
to the story, seemed pretty dog one ungrateful about it,
so much so that the pilot hopped on the intercom
(35:31):
after they took off again without her to reveal that
the woman who was taken off the plane to save
her life gave the captain a one finger salute on
the way out the door. That was pretty ungrateful. I
had it wrong, I say here. Taco Bells added a
new Baja Blast flavor to the permanent menu for the
(35:54):
first time in twenty years. I had it all wrong.
I thought Baja Blast was something that after, you know,
maybe something you get after you eat a bad burrito.
What do I know, though, It's citrus and passion fruit.
Baha midnight. That's it for today. We'll see you tomorrow. Audios.
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