Baby Boomers,

Have you heard about "Boomerly.com" yet?

Boomerly is a new way for baby boomers to meet like-minded people, build friendships and make meaningful connections. It’s not a social network or a dating site. It’s an easy-to-use messaging service that makes it easy to find and talk with people just like you.

The service was designed by Margaret Manning and the team behind Sixty and Me, one of the largest online communities of baby boomer women. 

Baby Boomers don’t just want more people in their lives – they want the right people in their lives. We want intimacy, not interaction. We need true connections, not just surface level contacts.

If you are a baby boomer who is interested in making meaningful friendships with like-minded people, please visit Boomerly.com and join the waiting list.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers,

Vacation time is upon us in Phoenix. 

I know......we are completely backwards from the rest of the country. 

While the rest of you are enjoying Spring showers and some early Summer warmth, we begin to think about hitting the road when the temperatures start creeping over 100 degrees every day.

It shouldn't come as a surprise to anyone that today's 50+ generation -- which is notoriously outspoken and influential -- likes to rewrite the book on vacations. From parenting to marriage to retirement, boomers have found and continue to find new ways of separating their values from those of their parents.

One of the clearest examples of this phenomenon is evident when looking at the Post 50 crowd's relationship with traveling. Where previous generations saw traveling as a luxury, today's Baby Boomer set sees travel and cultural excursions as a necessity to a well-rounded life.

In fact, a recent Los Angeles Times article found that a growing number of boomers place greater importance on travel and personal comfort than on leaving an inheritance to their children.

If such sentiments don't indicate the importance of going out and seeing the world, then consider that these opinions have remained unchanged amidst a tumultuous economy and high unemployment numbers for older Americans.

I recently read an article about the boomers' relationship with travel from Carol and David Porter, the minds behind The Roaming Boomers, an online luxury travel magazine.

The Porters started The Roaming Boomers after the 2008 recession leveled their retirement savings.

As experts on adventure, reinvention and discovery, the Porters seemed like the perfect people to talk about the best vacation spots for the post 50 generation.

Top 5 Baby Boomer Vacation Choices:

#1 Alaskan Cruise

"This is on the bucket list of most baby boomers.

You will find pristine, untouched natural beauty, and cruising makes it wonderfully easy to bring along friends/family."

I'm not a big fan of the cold but I have heard that the scenery is incredible.

#2 Big Sur Road Trip

"Offers breathtaking views and the thrill of driving stunningly beautiful winding coastline roads."

Here's a trip I would love to do on a motorcycle.

#3 Sedona, Arizona

"Stunning red-rock views, plentiful boutique lodging, art galleries, vortex areas and award-winning restaurants.

Also, the Grand Canyon is a mere two-hours away."

Hey, a top vacation spot right in my own back yard.  If you try this one out, don't forget to plan a few extra days to visit Flagstaff, Jerome, Route 66 and Prescott to geta feel for life in the "Wild West."

#4 Santa Barbara, California

"North America's only Five-Diamond B&B, the nation's #1 boutique resort (Travel + Leisure), the beach, the mountains, world-renown chefs and hundreds of surrounding wineries."

Been there and have always wanted to return.

#5 Hawaii, The Big Island

"Larger than all the other islands combined.

Far less crowded. Active volcanoes.

The Northwest coast is the land of the rich and famous."

I would recommend just taking enough time to see all of the islands. Each has it's own personality and different breathtaking beauty.

I would add 3 more of "my favorite" exceptional vacation spots:

1. Western Caribbean Cruise – Take a week and visit Cozumel, the Cayman Islands, Roatan in the Honduras and Belize. 

These is so much to do and many excursions are very inexpensive. 

2. Puerto Vallarta – this place has everything from old world Mexican charm, to late night clubbing at foam parties (That's right !!!) to scenic trips in the mountains to zip lines in the jungle. 

When you are exhausted at the end of the day, you can grab a cold "Cerveza"  and some genuine street tacos and head back to your four star resort.

3. Key West - In fact the entire Florida Keys is an adventure in itself.  But Key West offers the ultimate mixture of rest, relaxation, history, architecture, beauty, partying and novelty. 


Since I am planning my "escape calendar for the summer, I was hoping you would send in your suggestions of the best places for Baby Boomers  to visit. 

Send pictures too if you have them.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers,

Welcome to another version of our Survive 55 "Fervid Friday".

Are you excited?

I am for several reasons:

It's the first weekend of May and for many of you summer is just around the corner.  For us crazy folks living in Arizona it looks like it will be over 100 today so summer just means "jumping from the frying pan into the fire."

But, it's a great weekend to get organized and finish your "spring cleaning."  
Cars will be washed.  Garages will be cleaned out.  Yards will be mowed and vegetables planted.  Ah, I can feel the excitement in the air.  Everything will be different this weekend.

We already know that our Baby Boomer generation is different.  In fact, we are very different from any of the proceeding generations.  
The baby boom generation has broken the mold at every stage of life, and it looks like our getting older won't be any different.  We aren't heading quietly into retirement.  Because of the boom of technology during our lifetimes the world has become a much smaller place.

There is too much to do.

There is too much

There is too much to experience.

Baby Boomers are not taking life sitting down.  We  are leading more creative lives as we get older.  We are experiencing more of life to the fullest but because of that we are also facing more challenges than any generation before us. 

The world is now the "neighborhood" we live in.  Our work and our careers involve global interaction.  Technology is our new tool box.  We interact with different cultures, philosophies and religions on a daily basis.  We are learning at an astonishing rate.

On this wonderful Fervid Friday, let's embrace what we are doing different and continue to rise to the challenges that make our lives interesting.

So what do you think are the Top 5 differences between our Baby Boomer generation and all others?

Let's take a look at the biggest trends shaping our lives as we march into the next wave of retirement.*


1. Baby Boomers are outliving their expectations

Life expectancy for men has jumped an average of almost two years in each of the last five decades, to 75.7 years in 2010, according to the Society of Actuaries.

For women, life expectancy has risen by 1.5 years, on average, to 80.8 years.  Yet more than half of older Americans haven't gotten the memo.

A Society of Actuaries survey of 1,600 adults age 45 to 80 found 40 percent underestimated their likely average longevity by five years or more.  20 percent were too pessimistic by two to four years.

"That means there's a 50 percent chance you'll live longer," says Cindy Levering, an actuary and co-author of the report.

"If you make it to 90 and only planned and saved enough for 85, you may not have enough to live on."

The odds that will happen are pretty good.

For a couple with above-average health, there's a 60 percent chance one of them will live to age 90, the Social Security Administration has reported.

2. Baby Boomers are Tech Savvy

Young people might be leading the digital revolution, but us "Boomers" aren't far behind.

"Baby boomers got quite comfortable with the Internet and other digital technologies in the workplace," says Lee Rainie, director of the Pew Internet Project.

"They won't give that up as they age."

For example, 23 percent of older boomers and 27 percent of their younger siblings use tablet devices, compared with 30 percent of Gen Xers (born 1965 to the early 1980's), according to the Pew Internet Project.

The gaps also are small when it comes to smartphones and social networking services.

"They're not going to be downloading every new app that catches the crowd," he says.

"They're very utilitarian -- show me how it will work for me, how it will improve my life."

Expect retiring boomers to publish creative works online, connect with friends and children via social media and continue to job-hunt on sites such as LinkedIn.

3. Baby Boomers are Going Global

More and more retiring baby boomers are leaving the United States for good.

We are packing it in for foreign countries, where we can save on living costs, benefit from better healthcare facilities, enjoy warmer climates and stretch our retirement dollars.

The number of retired workers, spouses and survivors getting Social Security benefits in a foreign land is rising almost twice as fast as the number of Social Security beneficiaries in general, according to Social Security Administration data.

21 percent of baby boomers say they are "interested or very interested" in retiring abroad, according to a survey by the Center for Medical Tourism Research in San Antonio, Texas.

"If that were extended across all boomers, you'd have about 3 million people retiring abroad in the next couple decades," says David Vequist, the center's director.

4. Baby Boomers are Creating Their Own Career Path

We are starting companies, building franchises and redefining what the corporate business structure should look like.  Almost a quarter -- 21 percent -- of new U.S. businesses started in 2011 were launched by entrepreneurs age 55 to 64, according to the Kauffman Foundation, up from 14 percent in 2007.  Entrepreneurs age 45 to 54 accounted for an additional 28 percent of the 2011 start ups.

Taken together, that's 49 percent of all start up activity -- far larger than the 20 to 34 year old bracket, which accounted for 29 percent of new ventures.

In part, the surge can be attributed to the 2008 recession, which sent older workers into consulting gigs.  However, there are a surprising number of complex, sophisticated and large businesses being created as well, according to Dane Stangler, director of research and policy at the Kauffman Foundation.  He also thinks many of these older business owners are "serial entrepreneurs."

"We're seeing a lot of entrepreneurs in fields like technology and engineering who are launching substantial businesses," he said.

"They started companies in their thirties or forties, and now they're doing it again."

5. Baby Boomers are Supporting Their Parents

Some 58 percent of boomers are providing financial assistance to aging parents, such as helping them purchase groceries or pay medical and utility bills, according to an Ameriprise Financial survey of just over 1,000 Americans conducted in late 2011.

When it comes to their kids, boomers are even more likely to help out.  Almost all boomers surveyed, 93 percent, say they have given their children a "financial" hand.  A majority have "boomerang kids" who have moved back home to live rent free (55 percent) or afford a car (53 percent).

But only one-third believed that supporting adult children was making it more difficult for them to reach their retirement goals.

"They're not connecting the dots,"
says Suzanna de Baca, vice president of wealth strategies at Ameriprise Financial.

"They may not be taking money out of their retirement accounts to help their kids, but the assistance is coming out of funds that otherwise could be additional savings."

Are we "outta control" or what?

Hey, I just think that our generation has embraced what this world is offering and we are making the best of it.

We should be proud of what we are accomplishing considering most of the younger generations are writing us off as "old, doddering fools."

We are hot, extremely hot, hot with emotion about who we are and what we are doing.

We are Fervid !!!

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

* Many Thanks to Mark Miller and Reuters for their in depth research on this subject and compilation of this interesting information.

Hello Fellow Benevilla Baby Boomers,

Did my last article about the “Top 5 Dental Tips” bring a smile to your face? I hope so, because nothing is more important than having good health and preserving your quality of life. You know what they say...”Your teeth are the window to your soul.” OK, maybe my Dentist made that up but I can now see what he means by that.

Speaking of seeing, how are your eyes doing? If you are anything like me, you have lived your entire life with less than perfect eyesight but not really caring that much about it. It was just part of growing up. And now, things are getting a little fuzzier, you are not as secure driving at night and you spend an inordinate amount of time hunting for one of your 10 pairs of reading glasses every time you sit down at the computer or pick up a newspaper.

You know what, that's OK. You are not by yourself.  

If you think about it, like our teeth, we have taken our eyesight for granted over the years. For many of us, we never worried about eye health when we were younger. If you were lucky your parents scheduled an eye exam at the local Sears or Montgomery Ward once a year for you. If you passed.....Good for you. If not, the Optometrist fitted you for a really stylish pair of Coke bottle glasses with thick black frames. Invariably, you broke them within the first week and they spent the rest of their useful life taped up and crooked on your nose. As you grew into maturity, your glasses gave way to contacts. At first they were rigid slices of glass that felt like, well, rigid slices of glass on your eyes. Then technology caught up and contacts morphed into flexible and breathable plastic that was actually comfortable to wear. So what happened then? We took them for granted. We seldom followed doctor recommended hygiene instructions, we let them dry out, we licked them when putting them on our eyes and we fell asleep with them in. Hey, so they burned for a while....so what. I remember wearing ripped contacts just because I couldn't afford new ones.

And then, as I hit 40, there came LASIK. OMG, what a wonderful procedure. No more reaching for my glasses every morning when I woke up. No more contaminating my eyes with plaque and saliva covered contacts. Freedom, freedom at last. Then came my late 40's and early 50's, the beginning of my “golden years” and my eyesight started to slowly decline again. Hey, I have no complaints. My eyes have given me almost 60 years of great service no matter how hard I tried to destroy them.

If I had only listened to my parents when I was younger. How many times did they tell me not to sit so close to the TV? How many times did they beg me to eat my carrots because they made my eyes stronger? How many times did they catch me reading (OK, looking at pictures) magazines in the dark and yelled at me that I was ruining my eyes?

Now that I am older and wiser, I often wonder if my parent's advice may have saved me from a lifetime of ugly glasses, torturous contacts and eventually laser surgery on my eyes? And what about everything you hear and see on those “Doctor” shows on TV or read about on the computer? Is there any truth in their warnings or has it all been another example of propagandized parental myths.

Well, I dug in to the subject a little deeper than most men would dare and I think you will be surprised by what I found out.

Read on to discover the truth behind..........

5 Wildly Surprising Eye Myths

Number 1:

The Myth: Eating carrots will help your vision.

The Truth: There are absolutely no documented studies to date that prove your eyesight will stay sharper by eating more carrots. Hey, they may not help as much as we would like but they don't hurt. Carrots contain a high quantity of vitamin A -- a nutrient essential to proper eye function. Overall expert advice is to keep adding rabbit food to your daily meals. Carrots may not improve your eyesight but it will aid in keeping them stronger longer. Just so you know, if you think you can sidestep eating the crunchy orange comestibles and just take vitamin A supplements....Don't. It appears that your body doesn't require high levels of Vitamin A so taking more supplements than you need can actually lead to other problems.

Number 2:

The Myth: Sitting too close to the TV is bad for your eyes.

The Truth: Once again, there are absolutely no documented studies to date that prove you will harm your eyesight by watching reruns of “Murder She Wrote” or “Gilligan's Island” while sitting too close to your 85” LED plasma TV. Maybe the Gamma Rays will get you (just kidding) by sitting too close but the only harmful effect experts have uncovered is the possibility of developing a headache from excessive eye movement which occurs during short range TV viewing. So, if you find yourself needing to sit closer to the TV, it is probably a sign of nearsightedness. Go get your vision checked. 

Number 3:

The Myth: Reading in the dark damages your eyes.

The Truth: And once again, there are absolutely no documented studies to date that prove you will harm your eyesight reading, doing Sudoku or even working on your laptop in lower light. What is very likely is that you will tire them out very quickly. That's the extent of the damage. Again, if you insist on reading or working in the dark you run the chance of developing a headache if your eyes become too strained and tired. Why not make things easier on your eyes and turn on a light? What? Is it too much work or it costs too much? If so, you have bigger problems to discuss.

Number 4:

The Myth: Wearing glasses or contacts makes your eyes dependent on them. 

The Truth: Are we on a roll or what? Once again, there is absolutely no documented expert proof to date that can prove that once you begin wearing corrective lenses you will need them for the rest of your life. Nor is there any documentation that your vision will worsen because you regularly wear glasses or contacts. In a nutshell, wearing glasses or contact lenses doesn't weaken your eyesight. It's other things such as aging, injury, disease, or genetic factors that make vision worse - not using vision correcting aids.

Number 5:

The Myth: Working on a computer is bad for your eyes.

The Truth: Here's an issue that is really near and dear to my heart. Computer eyestrain has less to do with staring at the computers and more to do with the way you work with them. Most of us forget to blink for minutes at a time while staring at the screen. This behavior will dry your eyes out. And who doesn't forget to take breaks when reading all of that “interesting” stuff on Facebook? I can go for hours without standing up and backing away from my computer. Again, like staring into the TV or reading in the dark, working for excessive lengths of time on a computer will tire your eyes and possibly give you a headache. Take some regularly scheduled breaks, step outside and stretch and give your eyes a little rest.

OK, I told you I was only going to discuss 5 myths about eye health but I know you are about to write to me and say:

Jay, what about those cheap reading glasses I bought at the 99 Cent Store (Actually 99.99 Cent Store...But that is a story for another day). They aren't my prescription so are they damaging my eyes?”

Well, that's a great question, so you guys have earned a “Bonus” eye myth topic.

Bonus Eye Myth:

The Myth: Wearing different prescription eyeglasses will harm your eyes.

The truth: Wearing the wrong prescription or those “cheapo” reading glasses or even not wearing glasses at all won't harm your eyes. Expert research has shown that only wearing your correct prescription glasses will give you optimal vision but substituting your friends glasses or using those less than qualified reading spectacles will still work OK in a pinch and will do no damage.

So, did you find the truth behind these myths intriguing? I sure did. But the bottom line is:

Take care of your eyes and they will take care of you.” 

Now, I'm not an eye doctor, nor have I ever played one on TV, but I do recommend that you make sure to visit your eye specialist yearly and always try to treat your eyes with the respect they deserve. Who knows what you'll see in the future. Do you hear what I am saying? Hear what I am saying? Hhmm...maybe we'll talk about your ears in my next article?

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers,

It's Friday again and time for some Vitamin M.

M for motivation.

Have you ever just had one of those days?

Sometimes, does it seem like things are never going to go your way?

Are there times when you just think the world is out to get you?

Well, take heart my friends because it happens to everyone.

Friday’s at Survive 55 are all about fun, inspiration and motivation.

Who says we can’t have some fun, inspiration and motivation today at other people’s expense?

Here’s a link to one of the funniest short video collections I have seen in a long, long time.

If you think you are having a bad day, this may just help to change your mind.

Just left click on this link to see what I'm talking about.


I hope you enjoy it as much as I do.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers,

Here's something you probably don't think much about now that you are in your 50's but you really, really should……..the care of your teeth,

If you’re over 50, and like me, you probably have new aches and pains every day.

That’s just life.

I think you already know, if you have been following my blog, that quality of life is the key to staying on top of your game once you’re over the hill… and a few miles down the path.

Oral health plays a big role in overall health, and overall health contributes to good quality of life. 

So, taking care of your mouth is extremely important.

I believe that your teeth are the window to your soul. 

OK, I'm not trying to get overly philosophical here.

What I'm trying to say is that the condition your teeth really is a terrific indicator of both how you honestly feel about yourself and how serious you take your personal health.

So why am I bringing this up today? 

Because today is my quarterly checkup at the Dentist. 

That's right, I visit my Dentist every three months.

I am afraid I learned too late in life, how much your teeth affect your overall health.

If your mouth isn't healthy, then you aren't healthy. 

When I was a kid, like almost everyone else, my Dad always took me to the dentist (who smoked while he worked on my teeth) once a year. 

I was told to brush my teeth twice a day and normally I didn't. 

Heck, I was a kid and had better things to do with my time.

Besides, I was safe because there was Fluoride in the water.  

Do you remember when that was the "cure all" for dental problems?

As I got older, my dental routine became even less important. 

Heck, in my teens and twenties I was invincible. 
Who worried about their teeth? 

Then, as you hit your late 30's and early 40's, you begin to notice others having dental problems, toothaches, cavities, crowns and the dreaded root canals.  

Flossing, picking, enameling, caps, veneers, bite-wing radiographs… who knew anything about these things yet? 

Fortunately, I have been pretty lucky when it comes to how my teeth stood up to all of my abuse.

Sure, I have a handful of cavities that have been filled and a couple of crowns in my back teeth, but overall, my chompers are all still original and have stood up to the test of time.

Luckily, I woke up soon enough to understand how important the health of my mouth was. 

As long as I can remember now (maybe 20 years), I have taken as much care of my teeth as I can and have benefited from it immensely. 

I brush twice a day at least.  

I am a dedicated flosser and I always have a little plastic box of pick brushes with me to insure a minimum of food debris remains between my teeth after meals. 

And, here's my dirty little secret..... I whiten my teeth every couple of months with 15% Carbamide Peroxide gel. 

Your dentist (get one today if you don't already have one) can help keep your smile pearly white, super clean, and functioning comfortably, so you can retain your natural teeth long into your golden years, if not forever. 

I bet you didn't know that your Dentist can even help with sleep disorders, chronic headaches, and "TMJ pain" in your lower jaw.


So what kind of issues presents themselves "dentally" as we eat our way into our golden years?

Baby Boomers should watch out for these 5 common oral health issues.

1.  Tooth Decay and Cavities

  • Between 29% and 59% of adults over the age of 50 experience tooth decay
  • 90% of adults have experienced tooth decay

That's scary sh*t huh?

While a cavity can develop on any tooth, any time, for grownups, cavities tend to show up near former cavities, where dental work begins to deteriorate. 

Without treatment, tooth decay can lead to internal infection or tooth loss. 

You've heard it your entire life, but maybe your memory isn't quite what it used to be.

2,  Bruxism – Teeth Grinding

  • One study shows that 8% of adults suffer from "Bruxism"
  • Estimates show that 3.6 million oral splints are produced annually

More scary sh*t huh?

People who are stressed are more likely to grind their teeth.

Improperly aligned jaw joints (TMJ disorder) can also contribute to this destructive habit.

In many situations, “bruxers” don’t know they grind their teeth.

A husband or wife usually notices the problem while the "bruxer" is sleeping.

The dentist can look at your teeth and determine if they’re worn and damaged from bruxing

Wear a custom-made night guard, you’ll grind no more.

3.  Periodontal/Gum Disease

  • 70% of tooth loss is attributed to gum disease
  • 75% of all Americans over 35 have some form of gum disease
  • People with gum disease are twice as likely to develop heart disease and type 2 diabetes
  • 30% of people over 50 have an advanced stage of gum disease

It's getting even scarier, isn't it?

The older you get, the more likely you’ll experience "Gingivitis" or a more severe form of gum disease.

Of course, heredity, stress, some medications, bruxism, hormone changes, tobacco use, diabetes, (deep breath), other systemic diseases, poor diet, obesity, and dry mouth can contribute to developing gum disease.

While early-stage gum disease may require only a change in routine, most moderate cases should be treated with deep cleaning, or scaling and root planing.

Antibiotic therapy with products such as "Arestin" can also help. 

More severe periodontal disease, called periodontitis, may require surgical treatment.

4.  Oral Cancer

  • Approx. 30,000 Americans are diagnosed each year with oral cancer
  • Approx. 8000 Americans die each year from oral cancer
  • Oral cancer rates increase after 50 years of age and peaking between 60 and 70

What can I say but OMG !!

Risk factors for oral cancer include using tobacco and drinking alcohol, but anyone can develop the condition.

As with many health concerns, older patients are more prone to the disease – particularly current or former smokers.

Fortunately, early detection at dental checkups can allow for early intervention, which could literally save your life.

Modern dental technology has given us "ViziLite", "VELscope", and "Identafi", systems that allow us to see potentially cancerous cells before they reach the surface of the mouth and cause visible lesions.

I have an oral cancer screening every year.

You should too.

5.  Dry Mouth – Xerostemia

  • Normal saliva production is 4-6 cups a day (WOW) for an adult
  • Dry mouth can contribute to oral pain, bad breath, gum disease, and tooth decay

Truth is, with every birthday, you produce less saliva. 

Maybe it’s the increasing number of candles you have to extinguish each year……. Just kidding.

Declining saliva flow is a normal part of aging. 

Some medications also reduce saliva production, as do radiation treatment and diabetes. 

While spit may seem gross, it’s nature’s industrial oral cleanser. 

Without sufficient saliva, your mouth will feel like a desert. 

You’ll also be more prone to gum disease and cavities because bacteria aren’t washed out of your mouth with your spit.

Also, try to take notice if you sleep with your mouth open.  

This isn't healthy and also leads to red gums and dry mouth issues.  

This is a big problem for us living out in the desert Southwest. 

If you have “cotton mouth,” stop sucking on mints and talk with the dentist or your physician.

Take care of your teeth and they will take care of you.

Go see a Dentist soon and start on a regular program of dental care… you will thank me later.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................                                                                              

Baby Boomers,

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

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.

And you may be asking yourself why would I be thinking about such a "high-brow" topic on a Monday morning when all I should be thinking about is the drudgery of work like everyone else.

Well, today is April 20th and it's my Father's Birthday. He would have been 96 today.  He passed away 20 years ago.  So, how in the hell do I continue to remember his Birthday?  Because he shared the same day of birth with one of the richest and most famous men to have ever lived on this planet. 

John D. Rockefeller......Nope.
Cornelius Vanderbilt....Nope, wrong again.
Andrew Carnegie..........Sorry, wrong again.

My father shared his Birthday with Adolf Hitler.  You know the guy with the "toothbrush" mustache.  The leader of the German empire  from 1934 to 1945. He initiated World War II and oversaw fascist policies that resulted in millions of deaths of innocent humans.

Sometimes, growing up, I thought my father and Adolf Hitler shared more than just the same day of birth.  My father was a tyrant at times.  He was a strict disciplinarian and at times resorted to almost devious mental trickery to train, supervise and indoctrinate his children with a drive to be successful in this harsh world.

It was my father's shared despotism with Adolf Hitler that has always driven me to be successful.  Like I said earlier, I may not be there yet but when I am, I'll be prepared on how to handle it.


1. 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.

2. 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.

3. 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.

4. Get a Face-lift

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.

5. 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.

6. 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?

7. 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.

8. 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.

9. 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.

10. 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.

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 !!!

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

Let me know in the comments section below.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers...................it's official.

My blog has been alive for over 2 years as of April 11th.

It's hard to believe.

April 11th will now be remembered in history as a good day.

Maybe even a great day.

I guess it's time to celebrate my 2 year anniversary.

If you look back in history you will find that there were not too many world changing events that occurred on April 11th.

Going way back in time to
Flavius Anastasius became the Byzantine Emperor, taking the name of Anastasius I.

I don't remember that happening.

Over a thousand years later, in 1876, the Benevolent and Protective Order of Elks was formed.  That was a good thing.  They are still around today and still helping people.

We fast forward to 1968 when President Lyndon B. Johnson signed the Civil Rights Act of 1968, prohibiting discrimination in the sale, rental, and financing of housing.  I knew that fact because I got my real estate license last year.  That was a very impressive act of legislation for the U.S. as well as mankind in general.

I'm sure everyone in our Baby Boomer generation remembers the launch of Apollo 13 in 1970.  Not only was that a global historic event but it supplied the background for a wonderful Tom Hanks movie.

And as they say "last but not least"  on April 11th in 1976 the Apple I computer was created.  Now there was an event that changed the world.

Hopefully, in 50 years a chapter will be written about the importance and world changing impact my blog Survive55.com has had on the pages of history.

April 11, 2013

That was 2 years ago.

If you remember, Survive 55 started out rather simply.

Here are my opening thoughts to the "birth" of my blog:

"OK folks, the hard part is done.  My web page and blog are officially up and running.  This site will be continually upgraded as I learn more of the design logistics and I will do my best to maintain an exciting daily post.  Some posts will be good and I'm sure some will be anemic but I hope I can give you something to pause and think about each and every time you visit my blog.  Please remember, this is an open communication between us so I am expecting your responses, critiques, input, suggestions, recommendations, advice and even funny anecdotes."

Well, did I keep my word so far?

Yes, the website/blog is up and running.

Yes, I have gotten much better with the logistics and design of my website.

Yes, except for a few days during scheduling conflicts or vacations, I have posted a new blog every Monday through Friday.

If you have been a faithful follower you know that I even began weekend posts a few months ago with my "Silly Saturday" blogs.

I haven't added them up but I bet I've posted somewhere around 300 blogs last year.

That even surprises me.

Were some of my posts "Anemic?"


Were some of my posts "Good?"

I guess that's up to you to decide.

Did I give you reason to "Pause and Think" about what I had written every so often.

I would like to believe I did.

I have definitely learned a lot in the past 2 years.

I learned tons of things about our Baby Boomer generation through the
research I did for the articles I wrote.

I learned about the functions, tools and process of
website development and how to actually build things on the internet.

I learned about marketing and SEO (search engine optimization) and developing business relationships in a mysterious and wonderful community that I never traveled to before called the world wide web.

And most importantly, I learned a lot from you, my Baby Boomer followers.

It has been your input, guidance, suggestions, advice and funny anecdotes that have elevated both my blog and myself personally to a much better place

I Thank everyone including my family, friends, followers, fellow bloggers and even those folks that stopped by on occasion to see what I was up to wholeheartedly for your support, encouragement and participation in making Survive 55 a success.

I am confident that we will continue to grow and become the first place our Baby Boomer generation turns to for answers and direction.

So, for the 3rd time I will leave you all with 5 very powerful quotes from the Chinese philosopher, Lao-Tzu, the founder of Taoism and the writer of the book "Tao Te Ching" (The Book of the Way). 

He was born in 605 BC.  Maybe he was born on April 11th?  I'll have to check on that.

That was a very, very, very long time ago but these truths ring true even louder today in our modern society.

Follow these and you will live a better, more fulfilling life. 

                                 "A journey of a thousand miles begins beneath your feet"

                         "Seek not happiness too greedily and be not fearful of happiness"

                         "He who knows does not speak.  He who speaks does not know."

                    "He who knows others is wise.  He who knows himself is enlightened"
         "Manifest plainness.  Embrace simplicity.  Reduce selfishness.  Have few desires."

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................

Baby Boomers,

Do you know what?

All of the "tax time" discussion this month has gotten me wondering about how long should I keep my files and important papers so I am ready, if and when, our helpful government decides it's time to look up my panties?

I mean really.......Are there rules and/or a statute of limitations?

If not, then what are the best recommendations?

I think everyone, down to the very last Baby Boomer, is confused on this issue and has a tendency to save every last scrap of paper in case of a possible future financial colonoscopy by the "Big Brother" department of our government.

Well, in the hopes of reducing your paper stockpile and assisting you in getting together an organized and functional filing system for next year's tax time, let's take a look at what the experts have to say on this subject.

There are many places on the world wide web to look for recommendations on what documentation in your life is considered important and what isn't including:

So pull the shredding machine over to your desk, fill up your coffee and let's start with the easy stuff first.

To help avoid identity theft, make sure that you shred anything you would normally just throw away that contains personal data or even looks like it contains personal data.

I even go so far as to shred the envelops that my mail comes in because I just don't trust those cryptic looking bar codes that are stamped across the bottom of them

Hey, better safe than sorry I say.

Who knows what type of information they contain and what hackers could do with it.

You know, on average more than
50 percent of the general population run their documents through a shredder before they discard them.

Basically, it's just a great habit to get into.

Make sure to get a crosscut shredder rather than one that only cuts in strips.

A strip cutter
leaves long paper bands that could be reassembled by a would be identity thief if they were really intent on finding out more about you.


Depending on the type and tax significance of your personal information, I have created a list of 5 different categories that just about everything can be filed into.

If you are like me, I think the first category will surprise you and be the hardest for you to get used to just because we think we are doing ourselves a favor by keeping every receipt, bill, statement and important looking scrap of paper that is handed to us or comes in the mail.

If you follow the outline below, you may find a certain sense of exhilaration in getting rid of all of the
useless paperwork that has been creating such an unnecessary distraction in your life.


1. What paperwork should you discard after inspection and review?

Documents that you have no long-term need include:
  • Bank Records - Keep deposit and ATM receipts until you reconcile them with your monthly statements then shred them.
  • Cancelled checks for cash or nondeductible expenses
  • Monthly checking and savings account statements - If they are not needed to prove deductions with your tax records then they can be shredded.
  • Credit-card bills - You don't need to keep them after you've checked and paid them, unless you need a bill to support a deduction you'll be taking on your taxes, such as for a charitable donation (in which case you'll need to file the bill with your current-year tax records).
  • Investment statements - You can shred your monthly and quarterly statements from brokerage, 401(k), IRA, Keogh, and other investment accounts as new ones arrive. 
  • Expired warranties
  • Other records no longer needed, such as those that were replaced by newer versions - manuals of appliances that you've replaced, etc.


2. What paperwork should you discard yearly after doing your taxes?

  • Pay stubs, after reconciling with W-2
  • Monthly checking and savings account statements. After you do your taxes, file any statements needed to prove deductions with your tax records; the rest can be shredded
  • Insurance policies - Keep policies that you renew each year, such as those for your home, apartment, or car, until you get new policies, then shred the old ones.
  • Social Security statement - When you get your new statement shred the old one

3. Miscellaneous times to hold certain paperwork

  • Credit-card bills - If an item you've charged is under warranty, keep the bill until the warranty expires. Staple the credit-card bill to the warranty document and put it in a file with other warranties; you may need the bill as proof of purchase if the item needs repair.
  • Investment statements - hold on to annual statements until you sell the investments. You may want to have separate folders for traditional and Roth accounts to help you keep track of amounts that are deductible and non­deductible for tax purposes. Better yet, sign up for electronic statements if your financial institutions offer them.
  • Business Contracts - hold until updated or dissolved
  • Home purchase and improvement records - It is only necessary to hold them until the tax year after you have sold the property.
  • Real Estate Deeds - Hold for as long as you own the property.
  • Loan Documentation -  Again, it is only necessary to hold the paperwork until the tax year after you sold the item the loan was for if needed for tax preparation. 
  • Receipts for large purchases - Until you sell or discard the item
  • Service contracts and warranties - Until you sell or discard the item
  • Vehicle Titles - Until you sell or dispose of the vehicle
  • Wills - Until updated

4. What paperwork should I hold these for seven years?

  • Personal federal and state tax returns and their supporting records. You should keep them because your returns can be randomly audited up to three years after the date you filed the return. If you fail to report more than 25 percent of your gross income, the government has six years to collect the tax or start legal proceedings. You can be audited at any time if the IRS suspects you of fraud.

After seven years, you may want to keep just the tax returns if you'd like to track your income over the years. Keep tax records more than seven years old in your out-of-the-way file cabinet. Better yet, scan the returns into your computer and store them on a CD or external hard drive.

5. What important paperwork should you keep forever?

Consider keeping copies of the following documents in a safe deposit box or locked in a fireproof/waterproof safe in your home:

  • Adoption papers
  • Advance directives*
  • Birth and death certificates
  • Citizenship papers
  • Contracts of importance
  • Deeds and property titles
  • Educational Records
  • Household inventory
  • Life insurance policies
  • Marriage licenses and divorce decrees
  • Military service records
  • Passports
  • Powers of attorney*
  • Social Security cards
  • Stock and bond certificates
  • Wills*
*Since the safe deposit box will be sealed at your death, keep a copy of your will somewhere accessible. The same goes for the advance directive and powers of attorney since you may not be able to give others access to the safe deposit box.

Well, hopefully this information will help you from cluttering up hundreds of file boxes and cabinets in the future with useless paperwork.

At the very least, you home will be less of a firetrap than before.

Just let me state here that this is not legal information that I am sharing with you. 

I am not a lawyer or financial expert nor have I ever played one on television.

This is obviously not an "all-inclusive" list so please let me know of any other tips you have in handling personal paperwork.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

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

Thanks for joining me and don’t forget to rate this blog below...............................