There are smart phone apps that you can't live without.

And then t
here are thousands of cell phone apps out there that really do not serve any kind of purpose.

Here is a smart phone app that really should be marketed to the general public.

I see this device as having real world business applications well beyond the humorous social and personal etiquette possibilities.

But that is just me.

I hope you enjoy the little "Silly Saturday" video below called "Toot Tone."

If you found my blog funny, interesting or even helpful (you sick bastard) I bet your friends would to.

Please forward it to them or tell them about it by clicking on the FaceBook "Like", "Twitter", "LinkedIn" or Email social icon buttons below.

The more Baby Boomers we make laugh the better place we make this world !!!

Thanks for joining me..........................................................

Is it a good morning Survive55 followers?

Hopefully you all have successfully put  another April 15th behind you.

Did you get your taxes in the mail by midnight last night?

I wonder if everyone who reads this blog understands why I asked that question.

Well, our younger followers may not realize that back in the day (when life was simpler and paper was king) before TurboTax online and the eponymous E-file option, the vast majority of hard working United Staters would wait until the very last minute to finish their tax returns and get them postmarked before the dawning of April 16th.

Yes, post offices even stayed open to midnight on April 15th  with uniformed employees meeting weary eyed filers at the curb to collect tax return envelopes shuffling baskets of returns back and forth to and from the big blue mailboxes.

It was such a festival like atmosphere that savvy retailers even lined the post office lots handing out everything from office supplies to hot coffee to last second tax advice.

It was a national event that was celebrated in print, on the news and even in big screen movies.

It was an experience that needed to be experienced at least once in your lifetime.

But those days are gone forever.

Due to the massive decline in mailing returns and just as massive federal budget cuts, post offices no longer stay open late on tax day.

They don't need to any more but we will always miss this yearly event.

As a blog from "The New York Times" City News Room  laments:

"Way back when, it was one of the city's hottest nightspots."

"There were lines out the door and frenzy within. Amid the excitement, deals were made and hearts were broken."

"We speak, of course, of the mad scene at the city's main post office on Eighth Avenue as the clock ticked toward midnight on Tax Day."

"The magic is gone."

I often wondered if we really truly needed to have our taxes postmarked by midnight on April 15th.

What difference would it make if they were postmarked at 12:03 on April 16th?

Would we have to wear a scarlet letter on our chest until next year's  tax day?

Would we  lose our citizenship for a year?

Would we be sent to debtor's jail?

Back in the day nobody asked....we just made sure we were filed by midnight on April 15th.

We imagined there were consequences so dark and life threatening that nothing could stop us from making the midnight deadline if even by mere seconds.

Well, according to the TurboTax website, a late filing penalty applies if you owe taxes and didn't file your return or extension by midnight of April 15.

  • This penalty also applies if you owe taxes, filed an extension, but didn't file your return by October 15.
  • The late filing penalty is 5% of the additional taxes owed amount for every month (or fraction thereof) your return is late, up to a maximum of 25%.

Hey, that can actually be a pretty hefty fine even if you are a couple of days late.

I guess our government doesn't fool around....at least not when it comes to taking our money from us.

I mean do you really think they are going to review your return the instant it is filed?

Heck no.

 It may take days, weeks even months before someone opens that envelope to see how much you cheated.

But I guess that doesn't matter.

If our government wants your money and it's not there on time then you will feel the pain.

One thing I didn't know....the late filing penalty is 10 times higher than the late payment penalty.

So, if you can't pay your tax bill on time and you didn't file an extension then at least file your return as soon as possible.

Remember you can always cheat more / amend it later !!!

If you found my blog interesting or helpful, I bet your friends would to.


Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

Fellow Survive 55 Baby Boomers,

In one of last week's blogs we talked about how to create safe and secure passwords for your internet usage.

Well, out timing couldn't have been better.

It appears that the "Heartbleed"
bug is a clear and ever present danger to everyone now and it has taken root and is growing.

I really don't understand the technical "tomfoolery" that goes on behind the scenes if you or a website you visit is affected by this bug.

Somehow, it works it's way into your personal information and history of websites that you visit like Facebook, Pinterest, Google+ and many others.

This "bug" allows the attackers to eavesdrop on communications, steal data directly from the services and users and to impersonate services and users.

It just doesn't sound good does it?

Anyway, head back to last week's blog and read it closely.

Just click on the link below:


Change your passwords !!!

The Heartbleed bug was discovered over a week ago and is  causing quite a stir around the web.

If you haven't changed your passwords yet, this is your first order of business this week.

The website "Mashable" has published
 a wonderful  comprehensive list of which sites you need to change.

I know it's a hassle but why take a chance, huh?

While you are at it, you should definitely change all of your online passwords you run into over the next couplke of weeks.

Better safe than sorry I always say.

Make sure to
bookmark this blog as well.

I will keep you posted as things evolve
because things seems to be changing from day to day as companies apply their own protocol patches. 

Don't forget - it's always a good idea to change your passwords regularly.

If you found my blog interesting or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

What a great cocktail party discussion topic, huh?

I'm sure everyone dreams about what they would do if they had gobs of money and silver screen notoriety.

Now, as you are getting older,
do you feel those dreams have passed you by?

Or,  have you already made the tough decisions to arrange the priorities in your life to reach your personal and financial goals.

If you haven't yet it is never too late.

Remember, it all starts with the first step..................

Well, today, my fellow Baby Boomers, you will have to indulge me for a while while I have my own little cocktail party and prattle on about the type of person I would be if I were suddenly a member of the jet set elite.

I'm not totally sure if I will ever reach that lofty status but I plan to get as close as possible.

You know what they say...........Money can't buy you happiness but it can buy you a boat big enough to pull up along side of it !!!


Hang Out with Rich & Famous People

I would hook up some fun distractions to spend time with people like Jim Carrey, Morgan Freeman, Steve Carell or Ed O'Neill. 

There is a whole universe of famous folks that look interesting on TV but are basically unapproachable now because of their celebrity.

If I was rich and famous then maybe I could take in a ballgame with Jim, Dinner with Ed, Las Vegas with Steve or Drinks with Morgan. 

I would get to know them and if I liked them (and vice verse) I would build an eclectic circle of friends to spend time with.

As they say, you are the average of the ten closest people that you have the most contact with in your life.

It would be fun to create that mix up.

Develop a Sense of Style

Not that I don't dress the way I like now but with unlimited time and funds I know I would look and dress differently.

I think everyone, with the financial opportunity, would have a singular and defined image that they would  display to the world.....don't you?

In my case, it wouldn't be too flashy, probably just more stylish, comfortable and timeless.

Travel A Lot

I don't think I would stop traveling.

I would visit every part of the world and those places I liked I would revisit.

I'm sure there would be a lot more beaches involved in my life.

Get a Facelift

This may sound narcissistic and self absorbed but why not?

I wouldn't go to the extreme like Michael Jackson or want to develop a plastic face mask like Joan Rivers, Mickey Rourke or Barry Manilow but I definitely would fight tooth and nail to slow down the ravages of age.

A little tuck here and a little lift there just to stay tasteful and attractive.

Take Care of Family and Friends

Everyone around me would definitely be better off if I had the resources to make it happen.

Nobody would get spoiled (O, maybe my grandkids would) but I would undeniably make sure that they enjoyed life to the fullest.

Work Out More

I would do my best to stay in shape and stay as healthy as possible.

It would almost be a necessity since I would be sampling every possible cultural food from wherever I traveled.

I wonder how many different types of hot dogs there are in the world?

Be Nicer to People

Sometimes, when you are not so rich and famous you just can't afford to be nice to everyone.

You just don't have the time or the resources at your disposal.

I would make it a point to let people know how much I appreciate them if they deserve it.

It would also be cool to help people help others as well.

There are folks in this world that are truly compassionate and they deserve all of the backing I could give them.

Learn an Instrument

I would be satisfied with just learning one but I would love to be able to play them all.

Music is the universal language.

It is the ultimate artistic expression.

It is direct communication with the Gods.

Drive a "Sleeper"

If I was rich and famous I don't think I would have a lot of "toys" but I am still a man (and a boy at heart) so I know I would definitely have a killer car to drive around in.

It would probably be something from my youth but restored, modified and technologically updated.

And it would be understated.

As in all things in life, you should never tip you card as to what lies underneath your hood.

Spend More Time Alone

With fame and fortune comes issues as well and one of them you hear the most of is the lack of privacy.

I would definitely find a way to have my solitude, my quiet time and my own personal freedom, even more than now.

I enjoy my "alone time" and I wouldn't giver that up for all of the riches in the world.

What would you do if you were suddenly rich and famous?

Let me know in the comments section below.

If you found my blog interesting or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................


I know this is in German (I think?) but it still too damn funny.

Who doesn't need more of this in their lives?

If you found my blog interesting or funny, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

Every so often I run across some advice on the internet that just has to be shared with our entire Baby Boomer generation.

Today is one of those days.

I think this little tidbit of advice will change your lives forever.

How did we not see this before?

Has it always been right in front of our eyes?

I couldn't believe it when I first read it.

It's so helpful to find a little health warning like this that is so beneficial and yet so simple to follow.

It appears that, since the creation of bottled hair shampoo back in the 1930's  we have been doing things all wrong.


If you really have to use bottled shampoo then don't allow the shampoo to run down your body.

Hurry, run to your shower.

Look at the label on the front of the bottle.

What does it say?


That's right.

No wonder the entire population of the U.S. has been steadily "thickening" over the past 50 years.

When we shower and wash our hair we let the shampoo run down our whole body even though there is a clearly written warning on the front label of the bottle that states

What the hell have we been thinking?

Why didn't we figure this out sooner?

Stop the madness now.

Well, when I found this out I got rid of all of my shampoo.

Then I started reading labels.

I am going to start showering with Dawn Dishwashing Soap.

It's label reads.................wait for it..................wait for it.............................


Problem solved!

If I don't answer the phone, I'll be in the shower!

If you found my blog funny or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

One of the strangest things that has happened to me as I have gotten older is realizing that my time is limited.

I really can't remember when I first began realizing this fact but it wasn't too long ago.

As dismal as this may sound it really has a silver lining.

Knowing and accepting the fact that my future is finite has driven me to focus on two things:


1. Removing those things in my life that are senseless and non-productive


Concentrating on what's most important in life

The first action has been relatively easy to correct.

We all know what negatively effects our lives.

It can be a bad habit like smoking, an unhealthy relationship, a dead end job or a disparaging circle of friends.

We know what needs to be done to correct these issues.

But the second course of action has taken some time to come to terms with.

Actually, it still continues to weave itself into my daily routine.

I am still not really sure what my priorities should be.

There is still some doubt surrounding my decisions.

This isn't a negative though.

In fact, concentrating on and really trying to explore what is important in life has been an uplifting and gratifying experience so far.

There is a certain degree of satisfaction knowing that you are truly attempting to experience life instead of just letting your life run you.

There is also a deeper connection to your fellow man knowing that there are many more Baby Boomers among us struggling with and finding peace with this debate.

That being said, one of the avenues I chose to explore was what do people on their death beds consider the biggest regrets in their lives?

I would think that there would be such an incredible level of clarity at this final point in our life that there would be no room for doubt or fear.

Believe it or not, there are incredible amounts of articles and a profusion of lists written by folks in the final
stages of life.

It is interesting that most of them shared a very similar picture of disappointment, remorse and even apology for what they considered the shortcomings in their lives.

Using the direction and advice from these folks I have put together what I consider my primary life "Honey Do" list.

So, on this "Fervid Friday" I bring you what I consider the "Top 10 Regrets of Life."

By realizing that so many people have acknowledged these shortcomings in their lives, I can use them to target what truly needs to be done to make my life complete.

If you choose, so can you.

                      The Top Ten Regrets in Life

Find the strength to do what you want. 
Don't be afraid to do things. Fear can paralyze us, but we can’t let it. Never be afraid of taking a big risk  (especially in love). Taking a bigger risk can pay off more than taking a smaller one.

Make physical fitness a priority. As you get older you’ll realize how important it is to take care of your body.  Maintaining a healthy body as you get older gives you the best chance of reaching your maximum potential.

Spend time with your loved ones first.  This includes both family and friends.  Some people get caught up with work, move to other parts of the world, grow old with grudges against family members only to realize their priorities were in the wrong place.  We are all on this earth for a limited amount of time, don’t take the granted for granted.

Tell everyone that needs to be told “I love you.” It doesn't have to be in those words but loving another person is a precious gift.  Again, don't let time run out on you and don't be afraid.  You probably spent your entire youth being self-absorbed. There is more to the world than just you.

Travel why you have the chance.  Traveling gets harder as you get older.  Physically, it's harder to do and at our age more and more people depend on your presence.  When the opportunity presents itself, take it.  Explore the world.

Distance yourself from all bad relationships. It may hurt to end a bad relationship, but it’s not as painful and damaging as staying in it and wasting everyone’s time. Be humane and use common sense in your decisions but you need to clarify who goes and who remains in your life.

Start moving faster.   Don’t hesitate when making decisions.  Your have a lifetime of experience and intuition to guide you now.  Don't waste your time on details.  Again, your time is limited so accomplish what needs to be done.

If you don't like your job then quit. I know you have financial obligations to meet and people rely on you for support but don't allow yourself to b miserable every day.  If you are taking these priorities seriously, you will find a way to support yourself by doing something that is fulfilling and you enjoy.  There is no sense in working so much to reach someone else's goals.. You’re going to miss the good parts of life, or be too stressed to enjoy them.

Learn how to cook.  Then cook a lot even if it's just one signature meal.  Cooking embraces life.  It brings family and friends together.  Forgive the pun but it adds spice to life.

Experience the arts.  Whether it's seeing your favorite aging rock bands, world class symphony, ballet, opera, art showings or visiting museums experience the best life has to offer.  Do it everywhere you travel.

What do you think?

Would these serve as a good template for prioritizing on what is important in your life?

I know each of you out there have your own personal priorities and I would love to hear them.

Please post them in the comments below.

If you found my blog interesting or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

You hear about it almost every week.

Criminals hacking into global websites like AOL, Monster, Card Systems Solutions,  PlayStation, Target
Stores and even the Department of Veteran Affair stealing millions of usernames and passwords.

Over the past 10 years, there have been major hacks to over 100,000 different and significant websites, including Google, Facebook, Twitter, Yahoo and LinkedIn.

What do hackers want?

Your personal information.


In most cases to sell it on the black market.

They need your personal information to access your
financial and other sensitive accounts and they do this by using the passwords they’ve stolen.

Some retailers / websites are quick to notify their customers when their is a security breach but others are slow to react.

Because of the recent Target Stores hack my bank sent me a brand new credit card and a year subscription to an online security system to protect my financial information.

The internet is a great resource but it can also be a very dangerous place to do business if you are not careful.

Protecting Your Financial Information Online

What do the experts recommend?

  • Always and I mean always pay attention to your bank and credit account statements.  Review them closely if they come monthly.  If you are a "paperless" user then set dates on your calendar to check them at least once a month.
  • If you use the same passwords on your financial, credit and banking websites as your social and email passwords then change them immediately.
  • Never use the same password for more than one account. That prevents hackers from access to all of your accounts if they do successfully hack one you are on.
  • Don't be stupid and use common passwords like "Password", "1234567" or your birthday. Never ever use obvious, easy to remember arrangements for your password.

What do experts consider safe and unsafe?

Baby Boomers that live a good part of their life on the internet like me may have 50 or more different passwords and some have hundreds.

This may seem like a major "pain in the arse" but passwords are created for a reason.

Think of your password as a burglar-proof safe for your personal documents.

Your most important paper documents are probably in a nice, secure safety deposit box that requires two keys to open at your bank right?

Well, you online "documents" are just as important to protect so treat them the same.

Make sure they are in an online safety deposit box and to get into the box a hacker would need at least two keys to get at them.

It may not sound like a big deal if you have never had your personal information violated but talk to someone who has and you'll see what a great big, giant, frustrating and angst ridden hassle it can be.

So, even though you might be tempted to go with an easy-to-remember password because your poor aging memory isn't what it used to be or you want to save time when surfing the net it’s a much better idea to take your time and create passwords that will keep the hackers away.

Make it a habit.

Using the same password everywhere or using simple passwords aren’t only simple for you – they’re also the easiest ones for hackers to figure out.

Do you need some help in building a strong password and how to create easy to remember alternatives for each of your accounts?

Why not do what the experts do?

Strong Password Do’s and Don’ts

Here are some basic tips for creating strong and secure online passwords:

  • Have at least eight characters, preferably more if you can handle it
  • Use a combination of uppercase and lowercase letters
  • Include a combination of letters, numbers and punctuation marks like *or $ or #
  • Do not use a complete actual word
  • Do not use any of your own personal information as the password like your birthday, license plate number or address
  • Shy away from using the full names of relatives or pets

  Creating a Strong Password: Suggestion #1 - Intermix Symbols and Numbers

  1. Start with something memorable: a phrase, a date or a favorite vacation city.
          Then replace the letters with symbols and numbers

           Let's start with my favorite vacation destination Rocky Point in Mexico. 

           It's easy to remember and easy to modify.
    1. Replace the "o" with "0"
    2. Replace the "i" with "1"
    3. Add a "*" to the space
    4. Capitalize the first and last letter
    5. Finish it off with and exclamation point "!"
                                                         "Rocky Point" soon becomes the more difficult to hack "R0cky*p01nT!

Creating a Strong Password: Suggestion #2 - "Letter Strings"

  1. Put together a group of names that are important to you:
  •                 Your grand children’s names
  •                 Your best friends names
  •                 Your pet's names
  •                 The cities you have lived in in the past

Once again, memorable and easy to work with.

Take the first 3 letters of each word and combine them to create your password.

Here's what I came up with using some of the first names of my grandkids in Missouri:  "ShaGiaFra5"

That is created from the names Shaylin, Gianna and Frankie with the number 5 added because I have 5 grandkids in Missouri.

Pretty snifty huh?

And easy to remember.

How about "ChiChaAnaGle6"  which is built from some of the 6 cities I have lived in during my lifetime: Chicago, Champaign, Anaheim and Glendale.

Let your creative juices flow.

Creating a Strong Password: Suggestion #3 - Base Word

Pick a word or phrase that is important or memorable to you. 

You can use it as the base for multiple website passwords by:

1. Adding a few letters from each individual website to the front or back of it
2. Adding an important number to the front or back of it
3. Put an emoticon on the front of back as well

So, let's say my favorite color is "black".

We will use this base word for several websites like Google+, LinkedIn and Blogger so a password is created for each different site like:

  • GOblack
  • LIblack
  • BLblack

    Now add a number to the end of each like the year I lost my virginity, 1960 (just kidding).

    Your passwords now look like:

    • GOblack60
    • LIblack60
    • BLblack60

      Since you will always be remembering the year you lost your virginity and assuming that is a happy event then let's put a "smiley face" on the end of each.

      Your finished passwords look like:

      • GOblack60:)
      • LIblack60:)
      • BLblack60:)

      These are relatively strong passwords with a simple formula that allow you the safety of having a different variation for each new website

Creating a Strong Password: Suggestion #4

If all else fails and your creativity pool is rather shallow or
if it seems too confusing to create a password using the methods above, you can also have a use a password created by a password generator website.

These websites use computer algorithms to create random passwords and they don’t send or store the passwords.

Here’s how to use a password generator:
  1. Go to strongpasswordgenerator.com or random.org/passwords

  2. Follow the instructions to select the number of characters you want your password to be
  3. After you click the “get password” or “generate strong password” button, you will be given a safe, strong password you can use.

How to Remember Your Password

OK, so now you hopefully you have a few strong passwords.

The real tricky part,at our advancing years, is remembering them so you can actually access your accounts.

Most people write their passwords on a Post-it note and stick it to their computer monitor, under their mouse pad or under their desk.

Why not just slap them on your forehead or have a T-shirt printed with them on it so the entire world can see them.

Not a smart move.

Remember how you are supposed to treat your passwords like your important paper documents?

That's right, lock them in a safe place.

If you are going to write them down (I understand that some habits are tough for us Baby Boomers to break) then make sure to put that piece of paper in a place that know one knows about.

Here's a couple of suggestions:

  • In the ice cream container that you hide your cash in in the freezer (you didn't think I knew about that hiding place did you?)
  • On the inside cover of your favorite book that is on the top bookshelf in another room
  • On the back of a picture in another room
  • Inside the lid of your toilet tank
  • Or if you can't think of any other creative places: on a piece of paper that you lock in a safe

There are actually password protected apps on your smart phone that you can use as well. 

Mine is called "OI Safe" and it serves me well.

Every time I create a new password I tuck it securely away into this app so I don't have to fret later on down the road about trying too hard to remember it.

If you do forget it then all you need to remember is the primary password for the application.

Before I leave you today I wanted to offer a few more simple suggestions.

Don’t email your passwords to yourself or anyone else for that matter. 

Remember, everything on the world wide web is unprotected and visible to all sorts of wandering eyes. 

If hackers got into your email account, they will have access to all your accounts......and your life.

2. D
on’t keep your passwords on a document on your computer’s hard drive.

That would be just the same as putting them on a Post-it on your computer screen.

If you found my blog interesting or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

I know it's beans but the song gets right to the heart of the matter......


If you found my blog interesting or helpful, I bet your friends would to.

Please forward it to them or tell them about it by clicking on the Google "G+1"  and the FaceBook "Like" buttons.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

    The Survive55 Blog was strictly created with one purpose in mind:

    To help folks in their 50's and better to enjoy life, be physically, mentally and financially healthier, be up to date on news and global information that affects them and discover new and exciting opportunities in their lives.

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    Jay Lickus was born in 1956 in the harmonious and affable Marquette Park neighborhood on the South side of Chicago.  He attended 12 years of Catholic school and graduated from the University of Illinois.  He began his professional career as a paperboy (didn't we all) and matured quickly working his way though numerous menial jobs - factory worker, kitchen helper, pizza maker (not a bad gig), shipping and receiving clerk and go figure, a house painter.  During college he started his own painting and contracting company.  In the late 80's he moved to Los Angeles to begin a sales career in the paint and coatings industry.  In 2012, after 10 years as a top notch sales representative and another decade or so as a blue chip Sales Manager, he was unceremoniously kicked to the curb like an unwanted old piece of furniture ( I humorously embellish for effect)  only to begin his new path to a better and more satisfying life. He currently resides in Surprise, Arizona with his soul-mate, Darla.  He has four wonderful kids and 7 glorious grandchildren scattered across the US.  As of today, he is one very happy man.

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