What a great forum. I called my LBS, Houston Bicycle, and the owner was not busy and said he'd replace two cables for $35. That was too good to resist. As it turned out only one shifter cable needed replacing but the rear brake handle was soft so he replaced that. It was a learning experience and as much as I appreciate the encouragement here for DIY, I am glad I did not make my own attempt until at least I saw what was involved.

After that he tightened up several other parts, filled the tires and put on a kickstand for $10 more. All in all, a super experience.