Using decoys to A few tips Dave Barry gives Investing for catch johns in for controlling advice on dealing the future can San Jose stress with the economy be risky page 16 page 17 page 24 page 25 VANGUARD VOL. 30, ISSUE 3 OFFICIAL PUBLICATION OF THE SAN JOSE POLICE OFFICERS’ ASSOCIATION MARCH 2003 Interview Captain Dewey Hosmer Interview by Sgt. Paul Francois promoted to Lieutenant. I was in as the Captain assisting the Deputy things on track. In our job you’re Photographs by Officer Patrol as a Lieutenant from ‘88 to Chief and then was placed in charge going to be moving along at 55-60 Barb Melloch ‘90 and then I came up to of Communications in November of miles per hour day in and day out. Communications in October when it 2002. But every so often there will be a Vanguard: Please give us a first opened. I did that for 9 or 10 Vanguard: You have a reputation spike and you’ll have to go 90 miles chronology of your career. months and then back to Patrol. I for going into a unit and leaving it a per hour until a case is made or an Hosmer: I was hired in the sum- went back to Narcotics in ‘92 and I better place. Please articulate what it investigation is completed. If you mer of 1975 with a fairly large class. did that until summer of ‘95. Then I is that you do when you go to a new spend too much energy doing the From ‘75-78 I was in Patrol and then went to the FBI Academy and then unit. stuff that you should be doing auto- went into the FTO program until ‘81. back to Patrol. I did that until ‘98 Hosmer: First, I want to get matically, like breathing, then, when I was in MERGE from ‘81-83. I got when I went to Internal Affairs and briefed on all the important aspects it comes time for the pressure you’re promoted out of MERGE to did that until I was promoted to of the unit — the roles, personnel, not able to deal with it. Minimize the Sergeant. I went back to patrol and Captain in 1999. I went to Central the mission — all these things in routine as much as possible so that it then later on in ‘83 I got picked up Division as a Captain and about a detail. Then, I sit down with the staff is actually routine and easy. Then for Street Crimes as a Sergeant. I did year later to Special Operations. and sort things out. It’s real impor- you’re ready to go when it’s time to that for a year and half and then went About a year and half later I was tant that the unit take care of the go. everyday things with the least Vanguard: Let me ask you to Narco. I went back to Patrol after assigned to the Bureau of Technical amount of effort as possible. If specifically about I.A. One of the my tour up there in ‘88 and then I got Services. In BTS I did almost a year there’s reports to be done, any paper- things I know that you accomplished work, appraisals, and such — get in there was getting cases closed History book update! them done. Make sure that you get things on track — get a schedule, a expeditiously. How did you make that happen? I have received a number of ago), or if you’ve changed your Hosmer: I understand that I was- scheme, and make sure your invento- inquiries regarding the SJPD History mailing address, contact Turner n’t the first pick for the assignment. ry is right. If you’re going to be a Book. Turner Publishing Company Publishing at 1-(270) 443-0121. Later on I heard they wanted some- has sent out postcards to all those decent manager, you better be able to We realize that the numerous body who was hard-headed, stub- who have already placed orders to justify or explain what you have and delays in the production of this book born, and dependable. I had never advise everyone that the book will be what it’s for. If you don’t have a clue, have tested everyone’s patience, but delivered in June. Unfortunately, the that’s not a good sign. it looks like we’re finally there. I See “INTERVIEW” on page 10 wording on the postcard was unclear, have made it clear to the publisher I’ll do the checking and get so here are the facts: that any further delays will result in If you’ve already submitted an NON-PROFIT ORG. an end to the deal and a full refund to order form at any time in the past, U.S. POSTAGE your order will be delivered during all those who have ordered. Since the month of June. You do not need to reorder. If you’ve changed your they have invested a significant amount of money into the book at PAID mailing address, or if you’re unsure this point, it is unlikely that there will San Jose, CA if you’ve actually placed an order be further delays. Permit No.1551 (because it was so doggoned long — John Spicer ◆ Forwarding and return postage guaranteed PAGE 10 VANGUARD MARCH 2003 San Jose Police & Fire Retirees’ Association by Jim Spence collaborate with can only improve directly affecting our lives. has been a strong advocate for open our lives. I know that there are people who government, employee rights and When I was elected your Second, expand our area of polit- believe that staying close at home is benefits, and fiscal accountability. President I knew the strength of our ical endorsements beyond the City of the best and only way to make politi- His door has always been open for Association. I had been the recipient San Jose City Council races. Politics cal activities and contributions mean this Association to address our con- of your energy during my City is like a large river with tributaries anything. As you can tell I don’t dis- cerns. Council campaign and had worked as feeding to it. Many political careers agree on the basic issue but do dis- On March 14 your association Association volunteer with many of began as a School Board officer. City agree about disregarding the ability will be partnering with Vice Mayor you on other campaigns. I now feel it Council members have been on the we have to work in the “bigger pic- Pat Dando for a St Patrick’s Day lun- my responsibility to look toward our County Board of Supervisors and ture” of politics. I would certainly cheon for seniors in District 10. We future. At this time I am setting two will need volunteers for this event. Supervisors have become City lead- like to hear from each of you about goals for my term with regard to Please sign-up as soon as possible. ers. We know that current health care this issue. political activity: problems are not those generated at I am very pleased to announce In closing, please feel free to First, enhance our reputation by the local level but are from our State that the Executive Board and the contact me if there are any questions political action in issues directly and Federal governments. To affect members voted our endorsement of or concerns by using our website affecting our standard of living. At change for us we should considered Councilmember Chuck Reed for re- (www.retiredsjpoff.org), my email times that will mean to partner with organizations which may not be from being aggressive in supporting indi- election to District 4 for San Jose (firstname.lastname@example.org) or the police and fire profession but viduals running for those offices City Council. Councilmember Reed (408) 920-0479. ◆ who have similar interest in a partic- ular issue. An example would be to look at meeting with retiree groups from MEF and the California statewide PERS group with interests in health care programs and benefits. On a national scale becoming active in AARP. These and other organiza- 2003 Contract Survey tions which we choose as a body to Wage Increase “INTERVIEW” from page 1 been in much trouble along the way Night Differential in my career, but didn’t worry about Increase Paid Overtime Allotment the assignment too much since I was going to manage it regardless. So, Increase Vacation even though I didn’t have an inti- mate personal knowledge of the dis- Increase Dental Benefit cipline process, I looked forward to it. Increase Sick Leave Vanguard: I can tell you what you want to know about that. Modify Sergeants’ Selection/Transfer Policy Hosmer: [Laughs] One of the Increase Uniform Allowance things I was told was to establish a relationship with the auditor, Teresa Increase Holiday Pay Guerrero-Daly and make sure that everybody’s role is defined — that Domestic Partner Benefits there’s no morphing of roles. She has her role in this City and Internal Modification of Promotional MOA Affairs has its role. And they’re dif- ferent. City Mortgage Subsidy I got over there and established a Improve Sick Leave Donation Policy professional relationship with the auditor — which was kind of easy Employee/Employer Match Savings Plan actually — people thought it was going to be harder than it was, but it Uniforms Supplied by City Commissary wasn’t — she was professional and candid in all our interactions. Once Retirement Improvements that was established, I started look- *Rank Items in order of importance (#1 = Most important) ing around for things to do. I started working my way down the hall where the Sergeants worked. I want- Suggestions/Comments ed to get a briefing by all of the Sergeants responsible for doing investigations on what they did. It was a real eye-opener for me. I got the distinct impression that some of them had never been directly asked what they were up to and what was next on their agenda to be complet- ed. Plus it gave me insight into who Only Original Form Can Be Submitted (no copies) was organized and who was disorga- nized. It went across the board from the guy who pulled out his drawer Please return to to POA and had everything tabbed and col- lated to the guy who was looking for 1151 N. 4th Street paperwork on the floor. San Jose, CA 95112 See “INTERVIEW” on page 11 MARCH 2003 VANGUARD PAGE 11 pension for every year that they’re shy of their 55th birthday. This is because (duh) they are R & B News expected to live actuarially longer and thus collect more pension dollars before permanently “logging off” by Bret Muncy from planet earth. Their monthly pen- sion must therefore be discounted, or reduced, to make up for living many years post-SJPD. I will refrain from going into an actual example since my 2022 and Beyond slide ruler broke and I’m running out of space. Last month’s Retirement and will all be eligible for a 72% pension all be looking at a 78% pension while Defer Vest Benefits News was dedicated to the when we sing “Happy 55th Birthday” Patrick “Sissy Mary” Ward, Aaron And of course there is the “old” guys who retired out in January to them; they’ll have 24 years on the Offenberg, and Hau Ngo will be bud- “deferred vested” option. This allows and who are now enjoying the after job. Nqui “Freckles” Scherry can geting their golden years with an 81% you to separate from City employ- life. This month we’re taking a look at stake claim to a 69% pension on his pension. And lastly Gina “I’m ment, whether you’re shown the door the “new” guys and gals who took the 55th birthday with 23 years as a cop. Everything My Sister Isn’t” Tibaldi or you walk out yourself, and leave oath in late December and who are Allan De La Cruz, Harold Hoyt, and Michael “Mirror Boy” your retirement contributions here. currently in the field training program. and Phal Muong joined us at 29 years Carranza will both need to wear the You can only do this if you have put of age so they can put their papers in badge for almost 28 years before in at least ten years of serving the pub- Twenty and Out! for a 75% pension when they hit 54 applying for a service retirement. The lic. Since our Police and Fire Plan has years of age. Marco Ybarra, James good news is that their pensions When you are then eligible for a permitted a 20/55 retirement (20 years “Percy” Pickens, Christopher should be close to 84% of Final check (only after 20 years has elapsed of service and 55 years of age) since “TopCop” Gridley, former NYPD Average Salary around year 2030. since you took the oath) on your 50th 1946, I imagine it’ll still be in place in Officer Christopher “Jersey” Wow. or 55th birthday or somewhere in another 20 years. Some of our more Heinrich, and John Van den Broeck between, give Retirement Services a “mature” recruits will be eligible to can all bail out of here at age 53 with Go Sooner, Stay Longer call from Timbuktu and they’ll be bail out of here in December of 2022. the same 75% pension. Over the last 56 years, our Plan happy to start the money flowing. David “Stoner Boy” Kirby will Carlos Benitez, Scott Erickson, has evolved from a primordial quiver- be 55 and Angel Mina will be 56 at Scott Povio, and Tanaya “Shania” ing glob to an effervescent algebraic Happy To Be Here that time. Mark “Pimento” Pimental Waters can enter the retirement world frog. The numerical options today are I know that some of our new will need to wait for his 64th birthday in December of 2027 after they cut the many compared to 1946. One of those members may be chuckling at the before collecting a pension and cake on their 51st birthday. They’ll benefits that police officers and fire- thought of retirement. Eighteen years, Thomas “Country Bear” Rodgers have earned a 75% pension as well. fighters can now choose is the option twenty-plus pounds, and a full head of will be 61. Hector Ruiz has ‘em all to flee the scene early, by taking a hair ago I barely gave retirement a beat: he’ll be 66 when first eligible for Happy 50th! reduced pension, touched on below. thought. But I did give it a thought a pension in 2022. Four of our new arrivals were, in And by all means I did not intend and so should you. At the very least All these folks will be entitled to a my opinion, sworn in at the perfect to infer that these recruits must leave you should know your options. But of 60% retirement allowance (if they age for retirement purposes. Timothy on those dates listed above. If they’re course enjoy the stay while you’re decide to leave us in 20 years), based “Camel No Filter” Alford, Mike having a good time when eligible for a here. upon my (safe) prediction that we will “Homebui” Bui, Corey “Funny retirement allowance, they simply stay have a 3% credit per year of service Guy” Chao, and Hieu “La La” La and refigure their pension on fingers Formerly Sworn for pension calculation in 2022. were all 25 when they graduated the and toes. The future multiplier will The Police and Fire Retirement academy and will be 50 years young probably be 3% a year and it’s always Board directed a few of our members The ‘Between-ers when eligible for a 75% pension upon prorated to your very last day. to be sworn back into the civilian Several of our new recruits fall in their 25th anniversary as officers. world from whence they came. between two retirement options: the The Discounted Pension During our February meeting, we said 20/55 plan stated above and the popu- The Youngsters Seventeen of our newest members farewell to Sergeant Jack Baxter, lar 25/50 option (25 years of public Those recruits who joined us of the department can always choose Officers Terry Brown, George DeLa service and 50 years old). To collect a before their 25th birthday will need to to split sooner by taking advantage of Rocha, and Johnny “Ruff” Ruffner. I pension immediately upon retirement, stick around at least till their 50th our “Early Retirement” option. wish you all well. they either need to hit that magical age birthday to begin receiving a pension The ‘Between-ers listed above of 55 (with 20 or more years of ser- check. The good news is that their are the only ones to have this option. Questions & Comments vice) or celebrate their 25th anniver- years of service to the public will They can retire from the force when I’m always available to answer sary on the force. reward them well. they are between 50 and 55 years old your questions. Please reach me at the Jeffrey Yates, Kevin Enterline, Juan Vallejo, Mario Martinez, and have between 20 and 25 years on POA, through the City Intranet, MDT, Jeff Gaudin, and Melecio Ubarre Jr and Jared “Stick Boy” Johnson will the job. But they take a “hit” on their or at email@example.com. ◆ “INTERVIEW” from page 10 for me to control the Officers at the this the Normandy Invasion we’re per Sergeant in a few months. And The other thing I did was take front end, it really worked to my ben- trying to analyze? — it turned out this resulted in even better write-ups away all collateral assignments from efit because rather than having an that they were nothing cases, not-sus- because they weren’t burdened with the Sergeants because I’d heard that Officer going to a Sergeant about an tainable one-on-ones which were an overwhelming caseload. people would do their time in I.A. unusual matter, the Officer could fairly straight forward write-ups. But Meanwhile I started bugging every- and leave with a stack of cases still come directly to me. The Sergeant, because they were simple, they were one in BFO to finish up Officer not completed. As an outsider, I most likely, would have had to come shuttled to the back burner. I asked involved accidents that were uncom- never understood that. As an insider, to me anyway, so it cut out the mid- them to get them done. You’re screw- pleted. Some of them had been hang- I wanted to see what the deal was. dleman. Plus it helped me to estab- ing with people lives, careers, their ing for months. All the cases ended About the 3rd or 4th guy down the lish a rapport with the front-end peo- peace of mind if you sit on things up in IA for eventual filing, so I was line, the word got out and the ple who were critical to that assign- like that. It really motivated me to trying to clean that up too and it got reviews of case loads got better. I just ment. They are a critical window into get things going. right up to date. wanted people to be able to do their the Department for the public. I would bug them about when I Vanguard: Sometimes it just job — which was to be finders of Getting back to the Sergeant’s, I was going to get the case. They’d tell comes down to having reasonable fact — without having to deal with had a laundry list of what each me, “I don’t know — in a week or expectations and holding people the collateral stuff. I didn’t want to sergeant had on his plate and realized two.” I’d say, “No, give me a date.” accountable. give people any excuses as to why that we had about 85 open cases for 8 When the date came up, I’d go to Hosmer: Yes. It’s no secret that I they wouldn’t, couldn’t, or shouldn’t sergeants. Four of the cases were two them looking for the investigation or am demanding as a supervisor. do their job — which was to be years old! That’s not right. My feel- they’d come to me, but either way, People like me fine, but I’m still investigators. So I cut out all of the ing as an outsider coming in was, they soon saw that it was better to get demanding. But what I’m asking of collateral assignments. Either the “Wait a minute — people’s lives are them done than to procrastinate. It people is what they should be doing intake officers did them or I did on hold while these cases are open.” went pretty fast after that. They knew anyway! I’m not asking them to do them. When I asked the Sergeant’s why I had expectations. Ultimately, this Even though it was unorthodox those cases were still open — was got the caseload down to 1 to 2 cases See “INTERVIEW” on page 20 PAGE 20 VANGUARD MARCH 2003 Interview with Captain Hosmer cont’d from page 11 anything extraordinary. The people and we stand on their shoulders, not mandatoried officers — we tell them What else do we have to do?” They’d who like to accomplish things do because we’re good, but because they half-way through their shift you have look at me like, “You’re asking me?” well with me because things get allow us to. We need to have a sense to stay another 3 or 4 hours and keep I’d see the light go on and they’d done. of obligation to them. As soon as we working. Not once in a while — like realize that nobody is perfect and two Vanguard: Communications — start thinking we’re something spe- when there’s a Patrol holdover for a heads are better than one. We’re in it’s no secret that you came into a cial as a manager, we’re only fooling field situation — but regularly. If this together. We’re going to have to nightmare here. A lot of unhappy ourselves because we’re not fooling there’s one short - term goal I have answer to everybody as to how we people being overworked, poor work- anyone else. People know, even if up here, it’s to do away with manda- performed in this critical situation ing conditions, supervisors micro- you can’t do everything for them, tory overtime. I’m focused on that and they’re counting on us to manage managing them. How have you that you’re trying. My job is to try because it’s a real detriment to peo- this thing. approached this assignment? my best to make things as good as I ple’s personal and family lives. It Maybe that’s the point. When we Hosmer: When I was given the can for the Dispatchers. burns them out. were a team together, it created a assignment, I did what I’ve been When you’re in Patrol you can Vanguard: Something that frus- bond of trust. A “we” thing instead of doing all along. I got briefings from usually take a break whenever you trates me as a Sergeant is incompe- a “you” and “me” thing. I think back all the senior staff, ordered up a new want. You have a lot of control of tent Lieutenants. If we have a on all the Sergeants and all the big inventory right off the bat, and dis- your situation throughout the shift Lieutenant who is not an effective things we handled over the years and covered some amazing things. I got and you only have to account for manager, that means we have a it seems they almost always rose to that squared away. I’d been up here your own activity. The Dispatchers Captain somewhere in the picture the occasion. As a Captain, people will ask me before in 1990 and, because of that, can’t do any of that. Their breaks are who is not teaching, training, help- if a Lieutenant is strong or weak. The people knew me. When I came up short and on a schedule and when ing, mentoring that Lieutenant. I way I look at is, it’s not whether he’s here back then, I was able to put everything is going crazy during a realize that some people can’t be weak or strong, it’s how much do I faces to the voices on the phones. I big situation, they have to accurately helped, but what is the Captain’s need to watch him or her. Do I need finally understood what it involved keep track of what everyone is say- responsibility for mentoring subordi- to be close and constant, or can I be a when I made requests from the field. ing, where they’re at and what nates? little more distant, or do I really not So, my bias has been toward they’re doing. Most cops I know Hosmer: When I was a need to worry at all? There’s about 3 Communications ever since then. would not be able to do their job. We Lieutenant, whenever we had a big tiers. You gauge the way you’re Later, when I went back to Patrol, if stand on their shoulders. one (a homicide or Officer involved going to supervise and then mentor people started belly-aching about For the March shift change we’re shooting), I liked to go to the scene that particular individual. With a new Communications they learned right re-doing the staffing. We’re going to and hook up with the Sergeant and Lieutenant, I’ll usually spend more away that I really wasn’t sympathet- try and do something that hasn’t been huddle up. I’d have him brief me and time with them. Others would just be ic. My heart was on the side of the done before — utilizing a unique give me the laundry list of what’s a short coming together and analyz- Dispatchers because I had insight and staffing configuration. If it goes well been done. Sometimes I’d interject ing his or her strengths and weak- understanding. — and I think it will — I want to do and make sure we had some other nesses, getting a feel for what that Now, twelve years later, I’m away with mandatory overtime. I things covered. But then I’d always person needs to work on. The person back. I became even more aware, and don’t know if Patrol officers realize try and wait for the lull — the homi- might be a good investigator but I’m still learning how complex things that mandatory overtime up here is cide detectives were coming, this was are up here. Managers stand on the like an accepted fact. Can you imag- the calm before the storm — then I’d shoulders of those who do the work ine the screams we’d hear if we ask them, “What did we forget? See “INTERVIEW” on page 21 SERVICES, INC. PLUMBING REPIPING!! WHOLESALE DIAMONDS, GIA-CERTIFIED We specialize in galvanized to copper repipes. 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Well, the joke was ving “parole” so I don’t get a letter of Vanguard: How about your per- assume the best of people and try to on her, because, as time went on, it reprimand. It seems like I’m never sonal life? get them to feel like we’ve got to imprinted and it was too late to go out of trouble with my driving. I’m Hosmer: I’ve been married for deal with things together. back and start calling me by my real happiest when my wife drives when 29 years. Got out of the service, Vanguard: I for one appreciate name. I guess she didn’t want to con- I’m off duty and it makes her happy came up here, worked in Silicon that you’re doing that. I think there fuse me or maybe my stubborn streak because she’s not as nervous. I don’t Valley while I was looking for a job needs to be more of that at your was already evident. Either way, I’ve know why — maybe it’s because I’m as a police officer. Met my wife there level. I think we need to be more been Dewey ever since! always in a fog or not paying atten- at work, got hired by Daly City. Did aware of where we’re assigning folks Vanguard: Tell me a little about tion. On-duty, I’m paying too much a year and a half there, then came to who do require more mentoring. your background as an historian. attention to everything except what’s San Jose. My wife had three children Putting them at an offsite facility is Hosmer: I’m a pack-rat. When I in front of me. [Laughs] from a previous marriage, then we not a good idea because the close was a youngster, my family had a The other thing is, when I’m not had two more girls. My baby will be supervision and mentoring is not foot-locker full of photos and some- here at work I’ve always got a book 23 at the beginning of next month. possible from a distance. where along the line, it got lost. I’ve stuck in my face. I like to read histo- I’m a grandparent several times over Hosmer: A newly-promoted always had a sense of regret that ry books or good trash mysteries like, already. In fact, we had twins last Lieutenant should do a considerable something that precious — photos Elmore Leonard and Carl Hiaasen. night [February 4th]. amount of time in Patrol before they that will never be seen again — Vanguard: I heard that you went Vanguard: Are you still in the get assigned to a specialized unit of could be lost. Ever since, I’ve been skydiving recently with your daugh- Marine Corps Reserves? any kind. It’s a good testing ground afraid to lose anything. ter. Hosmer: No, I retired from the for them as police managers. We When I came to San Jose — I did Hosmer: My daughter and her reserves in 1995. I graduated from don’t help Lieutenants if we put them a year and a half with Daly City P.D. friends had a threesome and needed a Berkeley in 1969 and got my draft in units before they’ve had a chance prior — I knew that toward the end fourth party. Their boyfriends flaked notice two weeks later. But I had to really show the Department what of my career that I’d want to look out on them. They had already front- been accepted to Graduate school, so they’re all about as people in a posi- back and reminisce. I also knew that ed the money out for the fourth per- I went to all the armed services and tion of responsibility such as a Patrol if I didn’t keep track of one thing or son, so I got the late call with my kid said I’d do my time, but asked for an Lieutenant. another, I wouldn’t be able to do that basically challenging me. I’m not extension before I had to report in. I Vanguard: How did you get the with any credibility. So, I kept copies going to walk away from that one. I wanted to do a quarter of grad school nickname “Dewey?” of all my F.I. cards, photos and book- tell you what though — I had night- then take a leave of absence. The Hosmer: My mother was a die- ing sheets of everybody I booked, old mares before that thing. It’s a little Navy, the Air Force, and the Army all hard Democrat her whole life and, Insiders, Vanguard issues, and mem- bit of death when you take that first laughed at me and said, “No.” The when I was a toddler, the Truman — orabilia along the way. step out of the door of the airplane Marines said, “Sure kid, sign right Dewey presidential campaign was in Vanguard: What little known fact into space. It was quite an experi- here.” I did my quarter in grad full swing. She thought it was a hilar- would people be surprised to learn ence. Fifteen thousand feet up and school, took a leave of absence, then ious gag to compare the looks of the about you? when you look out you see the curva- went back to Quantico in January of Republican candidate, Thomas Hosmer: People who know me ture of the earth and when you look Dewey, to her baby boy when she know this, but most people don’t down there’s nothing between you See “INTERVIEW” on page 22 Our IMX Technology takes the guesswork out of K.O.P.S. INCENTIVE finding the lowest rates & programs PROGRAM TRISTAR HOME LOAN SERVICES *Keep Our Police and Sheriffs* Providing exclusive savings to K.O.P.S. Making Santa Clara County a more affordable place to live. Potential savings on a $500K home: Reduced Closing Costs ****$4000**** for all SJPD Officers!!!! Additional savings from carefully VALLEY PROPERTIES selected home services vendors A Proud Family Member Janis Bell 1st time buyer, cal-Vet, VA of SJPD's Finest! (408) 439-2976 My lenders do it all. 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Broker Licensed by the California Department of Realtors (916) 227-0931 BANKRUPTCY ) FREE PARKING PAGE 22 VANGUARD MARCH 2003 “INTERVIEW” from page 21 Vanguard: How would you like 1970. I did three good years in the Marine Corps. your Epitaph to read? Hosmer: I’ve always tried to Self-insurance? work hard and have fun — figuring by Marc F. Derendinger • Cost of house cleaning The first year was basically train- • Cost of missed work when a ing with the Marines and with the it’s just simpler doing things that way. It’s too hard to be sorry for One of the touchier conversation- child gets sick Army learning tanks. Then we all al subjects is having a discussion with • Cost of eating out (a lot) flew to Okinawa but they kept us things so, how about “No excuses, no regrets, no apologies.” I hate stay- your spouse about his or her financial • Loss of income from a working there. All the Marines, in the begin- value to the family. No matter how spouse ning of ‘71, were being retrograded ing awake at night wishing I had done something else, wishing I had good-intentioned your approach, try- • Cost of a full-time errand runner out of Viet Nam. The Army was still ing to place a life insurance value on e.g. medical appointments, shopping there but the Marines were out. I was spoken up. When you get older, you your partner is like dancing through a for food, clothing, school projects, fully expecting to do my service in realize it’s not worth it — it’s better minefield on one leg. Many reach the teacher conferences, youth sports and Viet Nam, but I got to do it in to just address issues tactfully and conclusion it is safer to have this con- activities, pet care, auto service etc. Okinawa. I got a couple of trips to politely. It’s far better to deal with versation on some other day. Been there, done that: as a former Japan out of it. Then they sent me to things as best you can so you don’t It is easy to dodge this issue, as single-parent with three children, I am San Diego for a year. As much as I have excuses, regrets, and apologies. there are so many things life insur- not short on words about these liked it, I wanted to go back to We all have to do them in life, but if ance cannot do: “you can pay some- “costs.” However, the biggest cost school. When I got out of the you can minimize those occasions, one a million a year, and they still could be the stress your children Marines and went back to Berkeley, I then life certainly becomes a lot easi- can’t care for my kids as much as I endure, as you take on the Herculean realized I had changed significantly er. do,” is a common sentiment. Nor will task of performing two full-time jobs, as a person. It was time to get on Vanguard: Dewey Hosmer: No insurance ever replace emotional sup- by yourself. with my life and I did. Later on, I got excuses, no regrets, no apologies. port or the nurturing of your children. The S.J.P.O.A. Insurance & back in the Marine Reserves and Sounds fitting to me. A good motto This is tough ground to cover, and due Benefit Trust helps by offering low- retired out as a Colonel. for a good man. ◆ to our inaction, many of us are “self- cost life insurance plans for spouses. insuring” a very large financial risk. The recently enhanced “Spouse Best Rather than get bogged down in Buy” life insurance plan is available the “can’t dos,” let us focus on the for under $7.00 per pay period. Call “can dos.” In fact, if your spouse dies the S.J.P.O.A. office today, to apply tomorrow there are many financial for this important insurance protec- problems, which can be solved with tion: it’s for the kids! proper life insurance planning. 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