On the Road to Monte Carlo

Monte Carlo.  The very name conjures up visions of men in black tuxedos playing baccarat with stacks of  black hundred dollar chips in front of them and beautiful blonds dripping with pearls urging them on as they gamble away their inheritances.  Wait a second. That's the movies---Sean Connery as James Bond, even Steve Martin in the movie, "Dirty Rotten Scoundrels".  Unfortunately, the reality is much more mundane.

The Grand Casino in Monte Carlo, which just happens to be the capital of the small independent country, Monaco, is located on a hill in a building which doubles as the opera house.  There are lots of tourists outside snapping pictures of themselves in front of the casino. Inside it is quite a different story.  First of all, there is a charge for entry.  Just a few euros, but nonetheless, annoying since the whole purpose in going to the casino is to gamble.  You should not have to pay for the privilege to lose your money! Interestingly enough the residents of Monaco are forbidden by law from gambling at the Grand Casino. 

Although we had read that a jacket was appropriate for men and a dress for women, we were overdressed when I wore my blazer and my wife wore a cocktail dress.  Everyone else wore typical casual clothes.  Now, admittedly, we visited in the middle of the day, but still.  Inside the casino were rather large cavernous rooms, which were mainly empty. There were a few scattered blackjack and craps tables and a few players,but most of the main room was filled with slot machines of the 1 euro variety.  Although I had gone there to "break the bank at Monte Carlo" with my blackjack skills, we ended up playing the slots for half an hour and left. By the way, the slots were quite accommodating and we were able to pay for our lunch at the nearby Cafe de Paris with our winnings.  The restaurant, where it is said the French dessert, crepe Suzette was invented, was quite good.

After leaving the casino, we decided to walk down the hill to the port, where our cruise ship lay at anchor. It was a fascinating walk as we went through the tunnel and the course where the Monaco Grand Prix Formula 1 race is run each year. The stands were already set up for the race which was to take place in just a few weeks.

Although the casino was somewhat of a disappointment, Monte Carlo had several interesting places which we will describe in another post. These include the Palace (which is open to visitors), the Cathedral where Princess Grace and her husband, Prince Rainier are buried and the Oceanographic Museum, which has one of the best aquariums in the world.

Boomers Beware: Reverse Mortgages Can Be a Disaster

We have all seen the ads on television where celebrity spokesmen tout the benefits of reverse mortgages for those individuals who are 62 or older and own their homes. These mortgages are supposedly free money as they allow the owner to borrow against the value of their home and not have to pay the money back until they move or die. The spokesmen tell us that the money can be used for vacations and other fun things.  What they do not tell the viewer is that there are fees associated with those mortgages which if not paid can lead to eviction.

The New York Times today reports that the new Consumer Financial Protection Bureau is preparing new rules to help regulate those mortgages.  According to the Times, there are more than 750,000 such loans outstanding.  See "Loan Lifeline for Retirees is Taking Toll," www.nytimes.com.

If you have a reverse mortgage now or are considering obtaining one, take a look at this article as soon as possible. And remember, "there is no such thing as a free lunch."
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The Chapel at Notre Dame

                                                     The Chapel at Notre Dame

Going to Florida this Winter? Consider the Auto Train.

If you are planning a trip to sunny Florida this winter from the snowy Northeast, you might want to consider taking Amtrak's Auto Train. The Auto Train runs on the CSX Transportation line tracks from Lorton, Virginia (just outside Washington, D.C.) to Sanford, Florida (just outside Orlando). www.amtrak.com/autotrain

My wife and I recently were traveling to Southern Florida for a short visit. We had previously driven to Florida  and found it to be a long almost three day trip.Neither of us had traveled long distances on a train, so we looked into the Auto Train. As the name implies, the Auto Train takes you and your vehicle, automobile or motorcycle, on a train.  You travel on a large, very modern railroad car and your vehicle travels separately in a railroad car with other vehicles. It is said that when fully occupied, the Auto Train is approximately one quarter mile long, making it one of the longest passenger trains in the world!

There are several levels of accommodations from a coach seat up to a family bedroom sleeping two adults and two children.  We opted for the standard bedroom which consisted of a chair and two sleeping berths, bunk-bed style. For the two of us and our car, the cost was about $640. While this seems pricey, consider that driving takes two to three days from the Northeast, requiring hotels, meals, gas, etc.  The Auto Train price includes everything, including two meals.

The station at Lorton is quite large with a newstand and small cafe where we had lunch. The Amtrak personnelwe met at the station and on the train were very courteous and efficient.

We were advised to arrive at least two hours before the scheduled departure time of 4 pm. When we did arrive, it appeared quite a few of the 600 or so people who were riding the train were already there.

Upon arrival, you are greeted by the parking crew, who slap a number on the side of your car, film it ( we think for insurance purposes) and you are given a few minutes to retrieve your luggagefrom the trunk and go into the station itself. There you present your ID and are given your  tickets while waiting for the boarding call. Boarding was very orderly despite the large number of people.

Our room was small, but comfortable. In addition to the seats, which the porter would turn into the bunks while we were at dinner, there is a small toilet/shower combination, which for a tall man like me was too small, and a sink with mirror. We were on the upper level of the two decker car, which gave us an excellent view of the countryside as we rolled through Virginia, North and South Carolina, as well as Georgia on into Florida.

The train left on time (actually a little early) and arrived in Florida about an hour early, at 8:30 a.m. the next morning. All in all, it is about an 17 to 18 hour overnight trip.  While on board, we had a wine and cheese party upon departure and dinner in the dining car at one of three sittings, beginning at 5 pm and ending at 9 pm. Dinner was served on fine china and consisted of a choice of entrees ( I had the salmon with lobster sauce, which was quite good) and my wife had the flank steak.Dinner came with dessert and plenty of red wine (white is also available).

After dinner a movie was shown in the lounge car. We returned to our room and were able to sleep intermittently. My wife was generous enough to sleep in the upper bunk. In the morning we arrived at the Sanford station and immediately before that we were served a continental breakfast of cereal, corn muffins, coffee or tea.

After we disembarked, we went into the station and waited as the numbers of the cars were called. They seemed to be in no particular order but ours was about the middle of the pack and we picked up our car in the parking lot and were off for Southern Florida.

All in all it was a very interesting experience. The train also runs between Sanford and Lorton going North. We would definitely consider taking it again.

Gramercy Tavern

Gramercy Tavern, in New York City is a landmark New York restaurant where we dined recently while visiting our son for his birthday.. Located at 42 E. 20th Street, near Park Avenue, Gramercy Tavern was just awarded one star by the prestigious Michelin guide.  That recognition just confirms our conclusion that the restaurant is one of the best restaurants in New York.

Gramercy Tavern is in reality two separate restaurants.  In front of the restaurant is the bar area with a number of tables fairly close together. No reservations are taken for the bar.  The rooms behind the bar are the main attraction.  This was were we had our dinner. There, reservations (well in advance usually) are required.  212-477-0777.  The tables in the formal dining room are farther apart and there is little noise.

The menu is what has been called "nouveau American."  In the formal dining room, the menu consists of two prix fixe choices, one 3 course dinner for $88 and a six course dinner for $116 per person. A vegan menu is also offered at $88  Unfortunately, everyone in the party must agree to either the 3 or 6 course dinner. No mixing of the menus is permitted.  This was the only somewhat sour note on an otherwise wonderful evening on a rainy night.

We opted for the 3 course menu and a fairly priced Tyler Pinot Noir wine. The first course was carpaccio.  The thinly sliced beef just melted in my mouth.  The second course was the red snapper, which appeared to be poached, and was superbly prepared. For dessert, I had the apple tart with butter pecan ice cream.  Just thinking about it makes my mouth water.

As with the Del Posto restaurant that I recently wrote about, Gramercy Tavern is quite expensive and probably is best visited for special occasions.  Those occasions, however, will be all the more special as a result of your visit.

Del Posto

In one of my recent posts concerning New York City, I promised to review two well-known restaurants in New York, Del Posto and Gramercy Tavern.  To do justice to both, I decided to write a separate post on each.  This post is about Del Posto.

Del Post, located at 85 10th Avenue in the meatpacking district, is an Italian restaurant with a flair that is unmistakable. Owned by the television chefs, Mario Batali and Lidia Bastianich and her son Joe, it reaches for the stars and manages to get there. As you enter the restaurant, it immediately reminds you of a library in a fine men's club, with panelled walls and  marble seemingly everywhere. In addition to the main restaurant floor, there is also a balcony and we were told, additional space in the basement. In all, we were advised it can hold over 500 people!

At dinner, Del Posto offers two prix fixe menus, one five course for $115 per person and the other, $145 per person.for seven courses.  Obviously, at those prices, it will have to be a very special occasion. Unlike Batali's other New York City restaurant, Babbo, which does not accept reservations, reservations for Del Posto are a must.

We opted for the five course dinner, which involves an antipasto, an entree and a dessert.  In addition, the table shares two pasta dishes. I had the vitello tonnato as an antipasto.  It was a very interesting combination of veal and tuna. For my entree (or secondi), I opted for the lobster.  It was well-prepared with funghi, celerine and balsamic vinegar, among other savory ingredients.

The table shared two pasta dishes, including a superb gaargannelli with a bolognese ragu. It was of the melt in your mouth variety.

For dessert, we each had the tartufo, with cherry vanilla ice cream  covered with dark chocolate. I have to say it was even better than the tartufo that I had in the restaurant in Rome in the Piazza Navonna where the dessert was invented.

The wait staff is quite solicitous and knowledgeable about the menu.  The head waiter explains what each course contains since it is not always obvious given the tremendous variety of ingredients.
The sommelier was extremely helpful in helping us pick out an inexpensive red wine, which he indicated was one of his favorites, a Bravia Barolo. It was ours also after tasting it.

The restaurant is expensive but given the atmosphere, quality and uniqueness of the food and the helpfulness of the staff, I would recommend it for those special occasions that merit a step up from the ordinary to the extraordinary..

The phone number for Del Posto is 212-497-8090 and their website is www.delposto.com, where you can view the entire menu.

Buon Appetito!

What is Negotiation? A Boomer's Guide

What is negotiation?  People often think of negotiation as a process that only takes place between large corporations over major contracts or between lawyers over the settlement of a lawsuit. What they do not realize is that they are negotiating every day with their spouse, their children, their employer and co-workers as well as many others. People just don't think of those as negotiations. For example, let's say a parent sets a time for a 16 year old to return from a date at 10 o'clock and the child insists on 11. If they compromise at 10:30, that is a negotiation. 

How can you best accomplish your goals in any such negotiation? I am in the process of writing a free ebook that I will make available on this blog in the next few weeks. Look for it.  Remember, it is FREE!

"The Baby Boomer's Practical Guide to Everyday Negotiations" is now available on this blog. Please see the November 24, 2012 post.