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Baby Boomers........

Are you ready for another "Fervid Friday?"

Today is all about inspiration and motivation.

It's also about putting you directly in front of your passion by showing you that other Baby Boomers, just like you, have successfully re-invented their lives and actually lived to tell their stories.

I hope you are ready because I am bringing to you a compelling story of a women I just discovered.

One of the most satisfying benefits in my line of work (blog master of the universe and Baby Boomer expert extraordinaire) is the wonderful people I "virtually" connect with by constantly expanding my associations with other experts in my sphere of influence.

In layman's terms, I get to meet some really cool people while bouncing around the internet. 

Well, interestingly enough, I was almost finished with my blog for today when I got sidetracked (that happens a lot) by my smartphone uploading some information.

You know that "snappy" little notification noise that always catches your attention.

As fate would have it, a notification popped up from LinkedIn that this young women had accepted my request to add her to my professional network.

As you can see by the "capture" below I had sent an invitation to her back on August 1st.

PictureJoan Frances Moran
Long story short, I did run across some of her comments in my Baby Boomer "LinkedIn Groups" that I frequent and they were so intriguing that I had to research her background further.

I discovered her website: http://www.joanfrancesmoran.com/


I discovered her book: "60, Sex and Tango - Confessions of a Beatnik Boomer."

I discovered some of her videos on YouTube.

I discovered Joan Frances Moran.

You need to as well.

She is a voice for our generation and an inspiration to Baby Boomers worldwide.

Did I mention that this young lady is 70 years old? 

That's why I changed directions in my blog today on this wonderful "Fervid Friday" and am introducing her to your world.

Joan accepted my invitation to be professional virtual friends and I can tell already that I am going to be a better person for it.

I wanted to share her with you. 



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

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..........................................................


 
 
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Hey Baby Boomers........

It's time to sneak in one last vacation before the summer ends.

Why not Las Vegas?

Why not join me at "The Fun After 55 Expo" in October.

Check out their website at:

http://proexpo.wix.com/fifty-plus-expo

This is a great event that features 100 vendors selling, sampling and demonstrating products and services targeted to our Baby Boomer demographic.

Last year over 8000 Boomers came through the show.

It's FREE to attend !!

Can it get any better than this?


"Four Tops" Free Concert

The "Fun After 55 Expo" will be hosting a free concert of the legendary Four Tops. 

Everyone attending the expo can receive one free ticket to the concert.


What's available at the Expo?

  • Stay Active

Explore activities like: Senior Dating Services, Leisure Sports, Creative Arts, Higher Education and Volunteerism.

  • Beauty & Fashion

Vendors providing information on cosmetics, skin, hair and nail care, cosmetic surgery, jewelry, clothing, shoes & accessories.

  • Health & Wellness

Vendors focusing on both traditional and 
nontraditional health methods to help you live a healthier and more balanced life.

  • Caregiver Options

Start planning to investigate options on home care and placement opportunities for aging parents.

  • Seminars & Entertainment

This event features guest speakers discussing a wide range of topics and local performers hosting a variety of entertaining shows.

I look forward to seeing you all in Las Vegas October 18th.

South Point Hotel, Casino and Spa
South Point Event Center
9777 Las Vegas Blvd. South
Las Vegas , NV 89183



 
 
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It has definitely been a different year so far.

The end of August is just ahead of us and so many things have changed from last year.

Ya, I'm a little bit exhausted already but it's a good kind of tired.



How about you?

What have you done differently already this year?

Has it been an incredibly good year for you?


Can you join with me and say:

So far, so good..........................


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Today I am going to be a light-hearted and pass on a little sage advice that has been floating around the internet for a while.

I don’t know who the author is but it is smart council and needs to be spread among our over 50 Baby Boomer community.

I recommend that you read this one over and over until it becomes part of who you are.

If you like these words of wisdom then pass them on to your Baby Boomer friends.

Just click on these links............


"Like" them on Facebook.

Share them on Google +.

Pin them.

Stumble them.


Tweet them.

LinkedIn them.



PictureTRY EVERYTHING TWICE





1. Try everything twice. 


On one woman's tombstone she said she wanted this epitaph:

"Tried everything twice and loved it both times!"
 

A
s far as she was concerned, if it was good the first time, why stop?







PictureKEEP POSITIVE FRIENDS



2. Surround yourself with only positive, cheerful and useful friends.

Some say you are the average of the 10 closest friends you keep. 

Fire the friends that cannot help you be a better person. 

The grouches pull you down, the negative diminish your passion and the lazy serve no purpose. 





PictureKEEP LEARNING BEYOND 50

3. Keep learning. 

Learn more about the computer, the internet, crafts, gardening, travel, whatever. 

Learn a new language or how to play an instrument. 

Study new cultures or a new philosophy. 

Never let your brain get idle. 

You’ve probably heard the old adage: "If you don’t use it you will lose it."

That is never more powerful than at our age.





PictureENJOY THE SIMPLE THINGS



4. Enjoy the simple things in life.

Cherish and become absorbed in the smell of a morning rain, the taste of a plate of beans, the sound of children laughing, a song on the radio. 

I have always said: "Plan for the big things and don't sweat the little things."

To me all things are little things.






PictureLAUGH YOU CRAZY OLD PERSON LAUGH






5. Laugh often, long and loud.

Laugh until you gasp for breath.

If you have a friend who makes you laugh, spend lots and lots of time with him/her.







PictureLIVE WHILE YOU ARE ALIVE



6. The tears happen: Endure, grieve, and move on.


The only person who is with you your entire life is yourself.

LIVE while you are alive.








PictureSURROUND YOURSELF WITH WHAT YOU LOVE




7. Surround yourself with what you love. 


If it makes YOU happy keep it near you.  

Whether it's family, friends, pets, keepsakes, music, plants, hobbies, whatever…..

Your home is your refuge.






PictureCHERISH YOUR HEALTH








8. Cherish your health. 


If it is good, preserve it.

If it is unstable, improve it.

If it is beyond what you can improve, get help.







PictureNO DRAMA






9. Don't take guilt trips. 

Take a trip to the mall, even to the next county, to a foreign country, but NOT to where the guilt is.








PictureTELL PEOPLE YOU LOVE THEM



10. Tell the people you love that you love them, at every opportunity.

 Don't ever miss a chance.




PictureReconnect with Friends




11. Reconnect with true friends that you have lost touch with. 

We all know that sometimes life can get in the way of living. 

If they are true friends, it will seem like you were never apart.











PictureChange Your Thoughts









12.  Forgive now those who hurt you or made you cry.

You might not get a second chance.







PictureThankful For Everything





Remember! 


Lost time can never be found.

Be kinder than necessary, for everyone you meet is fighting some kind of battle.

If you found my blog interesting or helpful, I bet your friends would to so please forward it to them or tell them about it.

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

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

 
 
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What do you think Baby Boomers?


Does Grandma have her "sexy" on or



is this just downright embarrassing?

 
 
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Does everyone remember the "Pay It Forward" initiative I (we) joined back in January that began with a Facebook posting by my friend Paul Stanton and my blog below?

Well, I have been calmly waiting for the right time and ideas to express my gratitude to my 5 friends and I got the chance to complete my 1st "Pay It Forward" this weekend to my good friend Deborah Brown. 

She saw a piece of artwork, a glass statuette of a Kokopelli (I will post a picture on my Facebook page) I had listed for sale on the internet recently and immediately fell in love with it. 

I was honored to give it to her as my gift. 

Hopefully, she will get as much joy and fulfillment as I did when she in turn "Pays It Forward" to her recipients.

I am also excited to say that I have 3 other "Pay It Forwards" in the works and will be getting in touch with 3 more of my beneficiaries soon.

This is a wonderful program and it feels great to give something to others to make them happy.

I will continue to keep everyone posted on my progress as my "Pay It Forward" continues to come to fruition.

Hopefully everyone involved in this initiative is having as much fun as I am working on the "surprises."


___________________________________________________________________________________________________________________________________


<<<<<<<<<<<<<<<<<<<<<<<<<< * * * >>>>>>>>>>>>>>>>>>>>>>>>

___________________________________________________________________________________________________________________________________


PictureThe Three Stooges
Happy “Fervid Friday” to all of my fabulous Survive 55 followers.

Are you one of those people, like me, who has noticed that everything in this world seems to come in 3’s?

Some great movies like “The Godfather” and “The Matrix” and “Back to the Future” all had two excellent sequels making them stories of 3 parts.

Comedy is funnier in 3’s as proven by “The 3 Stooges”, “The 3 Blind Mice” and every “3 Ring Circus.”

When celebrities die it always seems that 3 die in a short period of time

Men wear 3 piece suits.

When you drink you can get "3 sheets to the wind".

There are 3 feet in a yard and the 3 little kittens all lost their mittens.

We see in 3D.

Our personality is made up of 3 parts: The Id, the Ego and the Super Ego as defined by Freud

The triangle is the strongest of geometric shapes with its 3 sides.


PictureThe Rule of Three
There is even a name for it: “The Rule of Three.”

The “Rule of 3” is a principle that suggests that things that come in threes are inherently funnier, more satisfying, or more effective than other numbers of things.

A series of three often creates a progression in which the tension is created, built up, and finally released.

Similarly, adjectives are often grouped in threes to emphasize an idea.

The Latin phrase, "omne trium perfectum" (everything that comes in threes is perfect, or, every set of three is complete) conveys the same idea as the rule of three.




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So what does this have to do with Fervid Friday?”

If you remember way back last year, Fervid Friday’s at Survive 55 were created to finish the week with messages that are all about fun; inspiration and motivation (notice the 3 things).

Today, I believe I have a special calling to do to just that.

Today, I am the third part of your “Everything Comes in 3’s.”

“How did that happen" you might ask?


PicturePainting by Beau Stanton, Paul's son
A couple of days ago, January 29th at 9:14 PM to be exact, I received a post on Facebook from Paul Stanton, a friend and past co-worker who lives in beautiful San Juan Capistrano, California.

Here’s what it said:

“I'm participating in a pay-it-forward initiative: the first 5 people to comment to this status with "I'm in" will receive a surprise from me in this calendar year. It could be anything from a book, something home-grown or made, or absolutely any surprise.

There will be no warning when it will happen - when the mood comes over me and I find something that I believe will suit you and make you happy...


These "5" people must make the same offer in their Facebook status.

Copy this text onto your profile (don't share) so we can form a web of connection and kindness.

Here's to doing nice and loving things for each other in 2014, without any reason other than to make each other smile and to show that we think of each other.

Here's to an enjoyable, friendly and love-filled year.

Let's make 2014 even more AWESOME!



That, I thought was very cool so I jumped on board !!!


PictureCarol Cassara
The past couple of weeks I have been reaching out to fellow “bloggers” on the world wide “blogosphere” who have the same intentions in life as me:

"To help our fellow Baby Boomers 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.”

That’s my mission right?

As fate would have it, the very next day (January 30, 2014) after Paul’s Facebook post, while I am doing my “blogging” thing, I come across a wonderful blog site  developed and written by Carol Cassara offering “daily inspiration for creating our best lives.”

This particular blog is called:

Life happens; no excuses.”



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Here is a copy of part of it:

“Here’s a scenario: You’ve placed a call to someone who doesn’t call you back for a few days or maybe even longer. When they do, they eat up the first three minutes of the call making excuses for not calling back sooner. “This happened and that happened and then the other happened….”
In my culture we call such excuses a Canzone, a song. All those “reasons” that are really excuses.


Well, here’s a news flash: I don’t care. You’re on the phone now, so let’s have the conversation. All the other stuff? It doesn’t concern me. Why do people make all these excuses for life? Life happens. Move on!

How about the friend who’s always cancelling plans — or can’t make a plan — or they leave you hanging because…and the same routine. “This is going on and that is going on and….”  Una Canzone.

Again, I say:  So what? I don’t care. Shit happens. It happens to EVERYONE.  You’re not the only one with stuff going on. Get over it and move on.

Because here’s the bottom line:

If someone seriously wants to be part of your life, they will seriously make an effort to be in it…

I have to admit that I’ve spent a bit of time in the past hanging around waiting to connect with friends and family who are like this. I made every effort to be understanding.  But one day, I realized that I had a lot of stuff going on in my life too, and always made time for people I wanted to spend time with.

The day I realized that people do what they want to do — hell, I do what I want to do– is the day that I freed myself to move on and spend time with people who were available.”



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Beautifully said don't you think?

After stumbling across Carol’s blog and reading this particular entry there was no doubt in my mind that this was my “Thing #2”

So these events bring me to today and the realization that "I" am the third part of your “Everything Comes in 3’s.”

1.     “Pay It Forward” post by Paul Stanton

2.     Carol Cassara’s blog

3.     This Survive55 blog


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So what do you need to do with this intellectual alignment of the universe?

You’ve read this blog so take a few minutes to check out Carol Cassara’s site and read her blog.

Then you need to get on Facebook and become part of the “Pay It Forward” posting started by Paul Stanton.

Look him up or look me up and you will see the posts.

Use the fact that these 3 actions, all coming together on a “Fervid Friday” are a sign to get motivated and become part of something bigger, brighter and better (notice the 3 again?).

I know I am.

Thanks for joining me…………………………


 
 
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Bill Gates, Justin Bieber, Mark Zuckerberg and now Jay Lickus have accepted and completed the ALS Ice Bucket Challenge.

I really didn't plan on taking part in what I consider a "media fad" but since my wonderful Nephew and Godson from Chicago, Steven Lickus put the challenge before me I felt that as a devoted Uncle, good citizen, baby boomer and all around crazy type of person it was my duty to meet his dare.

What the heck, right.

What harm could come of a little frosty shenanigans?

At the very least I am doing my part to continue to draw attention to a worthy cause.

Hopefully, I have brought a smile to your face and a chill to your spine and other regions of the body.

I hope you enjoy my video.............



 
 
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Baby Boomers....Do You remember this poem from our youth?



"Thirty days have September,


April, June, and November.

All the rest have 31,

Except February alone,

And that has 28 days clear,

And 29 in a leap year."


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Thirty days hath September is a traditional English mnemonic rhyme, of which many variants are commonly used in English-speaking countries to remember the lengths of the months in the Julian and Gregorian calendars.

The version above is attributed to Mother Goose.

What I want to know is what the hell happened to poor February.

Man did this month get short changed.

Only 28 days?


Why not 5 months with 31 days and 7 months with 30 days?

There are several explanations if you are interested.

Some blame it on the Romans.

http://www.slate.com/articles/news_and_politics/explainer/2007/02/28_days.html

Others believe that maybe a shorter month would make winter go by faster.

http://www.straightdope.com/columns/read/442/how-come-february-has-only-28-days

Whatever the reason, you may feel sorry for the poor short orphan month but I bet a lot of you across the continental US are just happy that the month is over and you can begin worrying whether March will come in like a lamb and go out like a lion or vice versa.


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So I am officially declaring today the middle of the "Dog Days of Summer" and it’s a "Fervid Friday."

I wanted to share with everyone an inspirational (OK, probably not real inspirational but humorous anyway) list of accumulated sayings, quotes and misdirections I put together several years back as part of my speech at a friend’s 50th Birthday party.

I’m sure there are a lot of you out there that are experiencing more and more 50th and 60th Birthday parties among your friends and family.

We consider these “milestone” Birthdays much like “Sweet 16” and “Turning 21.”

I don't know why but I'm never one to complain about a chance to have a big celebration.


Anyway, please feel free to steal any of these quotes you like since I stole them from someone else.


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  • "Age is not a particularly interesting subject. Anyone can get old. All you have to do is live long enough."

  • "Forty is the old age of youth; fifty the youth of old age."

  • "Money won't buy happiness, but it will pay the salaries of a large research staff to study the problem."

  • "Old age is like everything else. To make a success of it, you've got to start young."

  • "You will find as you look back upon your life that the moments when you have truly lived are the moments when you have done things in the spirit of love."

  • "Those who love deeply never grow old; they may die of old age, but they die young."

  • "Before I met my true love, I'd never fallen in love but I'd stepped in it a few times."

  • "Immature love says: 'I love you because I need you.' Mature love says 'I need you because I love you."

  • "Love is the only game that two can play and both win."

  • "Love takes off masks that we fear we cannot live without and know we cannot live within."

  • "We are not the same persons this year as last; nor are those we love. It is a happy chance if we, changing, continue to love a changed person."

  • "Before marriage, a girl has to make love to a man to hold him. After marriage, she has to hold him to make love to him."

  • "Do you know what it means to come home at night to a woman who'll give you a little love, a little affection, a little tenderness? It means you're in the wrong house, that's what it means."

  • "I have learned that only two things are necessary to keep one's wife happy. First, let her think she's having her own way. And second, let her have it."

  • "I love being married. It's so great to find that one special person you want to annoy for the rest of your life."

  • "If you made a list of reasons why any couple got married, and another list of the reasons for their divorce, you'd have a hell of a lot of overlapping."

  • “Men marry women with the hope they will never change. Women marry men with the hope they will change. Invariably they are both disappointed.”

  • "We learn from experience that men never learn anything from experience"


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Don't you just love some of these sayings?

Do you have a favorite quote about love and growing older?

Share it with our followers in the comment section below.


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

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..........................................................



 
 
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We are at an age when money uncertainties are probably at their peak.

We no longer have Mom and Dad to fall back on if we get into financial trouble.

In fact, we are Mom and Dad now and you probably find yourself adding to the financial stability of your children and grandchildren more and more.

If you are still working when can you get off the corporate merry go round?

Can you stop working to pursue a career that you would truly love?


If you are no longer working you can never be sure if you have enough money to be "comfortable" for the rest of your retirement years.




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In my blog research I am constantly looking for the "easy" answers to these type of questions.

As I explained many times before, there are unlimited resources (free resources I might add) on the internet to help you make the tough decisions as you get older.


I have also recommended many times before that you embrace this opportunity and spend some quality time on the internet (quit relying on Oprah alone to make your life better) looking for help in making these big decisions.

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That being said, I ran across an article called "Big wins: The quickest way to wealth" published in January, 2014 by a gentleman named J.D. Roth.

This article is straight from J.D. Roth, who founded Get Rich Slowly, a personal finance advice website/blog in 2006.

J.D.’s non-financial writing is earthy, straight forward and entertaining and can be found at his other blog site More Than Money.



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"There’s a divide in the world of personal finance.

On one side are the folks who offer advice for scrimping and saving your way to financial success.

On the other are the experts who scoff at frugality and champion big wins. I think there’s a place for both.

From my perspective, it’s important to do the small stuff — clipping coupons, conserving electricity — because doing so builds good habits.

And, of course, many small actions combine to yield big rewards in the long term. (Plus there’s the fact that a frugal lifestyle costs less to support, which means you can reach financial independence all the sooner!)

On the other hand, the “big wins” camp has a valid point.

Too many people focus exclusively on the small stuff because it’s easy to do and doesn't require any real sacrifice.

Yet, you improve your monthly cash flow by hundreds of dollars by achieving a single big win, which is likely to be more than you save on all of the thrifty things you do combined.


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Big wins vs. Pyrrhic (A win that is offset by staggering losses) Victories

The way I see it, there are four types of things you can do to reduce your expenses or boost your income.

  • Difficult (or time-consuming) things that provide small pay-offs. These pyrrhic victories include things like going door-to-door to collect old newspapers in order to earn money or making your own laundry detergent.
  • Easy (or quick) things that provide small pay-offs. Because there are so many of these opportunities, they’re the bread and butter of personal finance. They’re the daily victories with which we’re all familiar. On the income side, they include working overtime and participating in research studies. Small, quick ways to reduce spending include clipping coupons, buying clothes at thrift stores, and making use of the public library.
  • Difficult (or time-consuming) things that provide big pay-offs. Some tasks, such as moving to a cheaper home in a cheaper city, can provide huge rewards, but they take a lot of time and effort to accomplish. These are ongoing projects, and might include selling all of the stuff you’ve collected in your attic or garage. (An example of this is me selling my comic books last year.)
  • Easy (or quick) things that provide big pay-offs. Here’s where you should spend most of your time: Working toward big wins. These include negotiating your salary (which takes minutes, but pays off for decades to come) and reducing your transportation costs (which you can do in a matter of days).

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Here’s a diagram to provide a visual representation of what I’m describing.

Some actions provide bigger payoffs than others. And some are easier than others.

Note: For convenience, I’m saying that the things we do fall into one of these four quadrants. In reality, all of this exists on a continuum. Some of the easy actions are easier than others. And each of us will obtain slightly different results.


As you can see, big wins are the best way to improve your financial situation. They’re easy (or quick) to achieve, but provide big rewards. If you want to improve your financial situation, start with these.






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How to achieve big wins

Here are some examples of common ways to achieve big wins that will dramatically improve your cash flow:

Housing

Housing is the biggest expense for most Americans — and by a wide margin.

According to the U.S. Bureau of Labor Statistics’ 2012 Consumer Expenditure Survey (CES), the typical American household spends 32.8 percent of its income on housing, which includes mortgage (or rent), maintenance, insurance, interest, and utilities.

In an ideal world, you’d slash your housing expense by buying an affordable home in a city with a low cost of living.

But while that would provide a huge financial reward, it’s not exactly easy, which means it doesn’t qualify as a “big win” in my world.

But there are easier ways to reduce your living expenses.

The biggest (and, admittedly, most difficult) is to move within your current city.

Sell your home (or move out of your rental) and choose something more affordable.

Think about it: If you’re an average American who spends slightly more than $50,000 per year, $1,408 is going to housing every month.

Drop that by 10 percent, and you’ll save almost $150 per month.

Drop it by 30 percent, and you’ll save more than $5,000 per year!


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Transportation

Transportation is our second-largest expense.

We spend an average of $750 per month (17.5 percent of the typical budget) to get around, including vehicle payments, gasoline, insurance, and repairs.

I know Americans love their automobiles.

They’re loath to let go of them, even in the face of logic.

But imagine how much you could save if you could cut your car costs in half!

How do you do that?

  • Sell your current car. Replace it with a used vehicle, one that’s fuel efficient. (Side benefit: An older, used vehicle will cost less to insure!)
  • Drive your car only when necessary. When possible, bike or walk to reach your destination. (Side benefit: Increased fitness, which also saves you money!)
  • Make use of public transportation. (Side benefit: Time to read!)
Usually when I recommend people make changes to the way they get around, I’m met with a wall of objections.

No worries. I’m used to it.

But let me suggest that instead of looking for reasons you can’t do this that you instead look for ways you can.

You’ll save yourself buckets of money.


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Other expenses

Together, housing and transportation consume half of the average American’s budget.

There are enormous opportunities to save if you choose to economize on these two categories.

But there are dozens of ways to achieve big wins in other areas too.

The CES reveals that the typical household spent $1,736 on clothing in 2012, $3,556 on health care, $2,605 on entertainment, and $6,599 on food (which doesn’t include the $783 that went toward alcohol and tobacco).

Because each of us is different and we spend in different ways, opportunities for big wins vary from person to person.

For example, after tracking my spending for the last half of 2013, I realized that I was spending way too much on travel.

This year, I hope to cut my travel costs in half.

Doing so would allow me to save money toward other goals, such as, guitar lessons.

Examine your own spending.

Where do you have the most room to cut back?

How can you do it?

Look for big wins — and make them happen.


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Income

I've written before about the importance of increasing your income.

While it’s great to cut your spending, you can only trim your budget so far.

Your earning potential, on the other hand, is theoretically unlimited.

If you really want to get rich — slowly or otherwise — you’re going to have to make more money.

But as with spending, some methods of boosting your income provide big wins while others don’t.

Here are two easy (or quick) ways to make a big difference to the amount of money you make:

  • Take a second job. Earning more in your spare time is a quick way to boost your cash flow, and it’s something that almost anyone can do. Some people don’t like the idea of taking a second job (they feel like it’s beneath them) and others are full of reasons that doing so is impossible (they don’t have time, the job market is tough). But for those who choose this path, a second job involves less risk and planning than most other income-boosting strategies, and it’s likely to cause far less stress than your primary job.
  • Negotiate your salary. One of the best ways to increase your income is at the source: during salary negotiations when you land a job or during a performance review. For many folks, salary negotiations can be awkward or scary. But in his book Negotiating Your Salary, career coach Jack Chapman argues that those few minutes during which you ask for more money in an interview can make a difference of tens of thousands of dollars over your career. Maybe hundreds of thousands. That’s a big win.

There are other ways to supercharge your income — become better educated, start a side business, become a landlord — but they take more time and effort.

You can find a second job this week and be earning more toward your financial goals.

And you can negotiate a salary increase the next time you sit down for a performance review.

Both provide big boosts to your earnings for a minimum of effort.


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The bottom line

I’m not saying you shouldn't make your own laundry detergent or collect newspapers to earn money.

But I think it’s important to put these activities in their proper place and to realize that you will never get rich doing them.

In fact, they’re a poor way to get out of debt.

It’s better to focus on actions that are easier to complete and/or yield greater rewards.

The biggest barrier between the average person and big wins isn't ability.

It’s psychology.

Big wins generally require effort and sacrifice, which can be tough to stomach, especially if you’re just getting started with smart personal finance.

But the sooner you understand that these aren't fringe ideas, the quicker you’ll get out of debt or reach financial independence.

The small stuff forms a great basis for behavioral change, but it’s doing the big things that will make you rich."


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Hopefully you will find some nuggets of financial gold in J.D. Roth's article.

I know I did.

Like everything good, it takes effort.

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



 
 
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Baby Boomers..........Are You Ready?

Let's go right for the "shocker" question.

Do you have trouble performing in the bedroom?

You're not alone.

It's estimated by most experts that 1 in 10 men worldwide suffers from erectile dysfunction (ED), which is an inability to get or maintain an erection.

By age 70, from 40 to 60 percent of men have the condition.

That means probably half of the guys you hang around with have some sort of problem with the polarity of their pickle.

If this sounds like you, then here is some quick and easy health advise..................check your middle.

Belly fat doesn't just spell trouble for your heart and blood vessels.

Having a spare tire is horrible for your love life, too.

This goes for both guys and gals.


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How does belly fat affect you below the belt?

Deep abdominal fat, known as omentum fat, takes up residence around your liver and other vital organs.

When fat is released from the omentum, some of it goes straight to your liver and then on to your arteries.

Omentum fat can do serious damage to your blood vessels.

Clogged arteries and blood vessels reduce blood flow not just to your heart but also to other critical organs, including your genitals.

Without good circulation down there, men can have trouble getting or maintaining an erection.

Both men and women need increased blood flow in sensitive areas to maximize sexual pleasure.


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Did you know carrying as little as 9 extra pounds increases your risk of blood vessel damage and heart disease, diabetes, and some cancers?

The good news?

It doesn't take much to turn up your fat-burning furnace and get your energy levels, self-esteem, and sex life back on track.

Here are four easy steps to lose belly fat fast:


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1. WALK 


"Thoughts come clearly while one walks"  ~Thomas Mann

You have heard me talk about this in past blogs.

A morning walk is a great way to help you get a good night's sleep.

Walking is also one of the best exercises for minimizing that gut.

Taking a brisk 30-minute walk every day helps keep your fat cells from expanding.

It really doesn't take that much effort and it really is relaxing and fun.

You can burn even more belly fat by adding 10 minutes of weight training twice a week.

Increasing muscle mass will definitely shrink your middle even faster.


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2. MEASURE


 "The waist is a terrible thing to mind" - Tom Wilson

Don't allow your bathroom scale to be your weight director.

Waist size may be a better indicator of health than the numbers on your bathroom scale.

Your waist should be a little less than half the number of inches in your height.

As a general rule, anytime a man's waist size reaches 40 inches, his health and sex life are at risk.

A woman's waist should be no more than 36 inches.


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3. GRAINS 


"Americans have more food to eat than any other people and more diets to keep them from eating it" Yogi Berra

When it comes to foods that burn belly fat, you can't beat whole grains.

And it's a pretty simple trade-off.

Just replace some of the processed foods in your diet with three daily servings of 100% whole-grain cereals, breads, and pasta to lose inches off your waist.


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4. SLEEP 


"The best cure for insomnia is to get a lot of sleep" - W. C. Fields


In one study, dieters who slept 8.5 hours a night lost twice as much fat and retained more lean muscle compared with the folks in the study who slept only 5.5 hours nightly.

The longer sleepers also burned an extra 114 calories a day.

That type of additional calorie burn can translate into as much as 10 extra pounds lost a year!


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IT'S "GUT CHECK" TIME !!! 

"There's no dirt like pay dirt" - Ron Wolfley

Losing that spare tire isn't just about getting healthy.

It's about living a better life and feeling your best, too.

Let's face it -- few things feel as good as a little extra room in your waistband.

And looking in the mirror and liking what you see is a pretty great feeling, too.

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


 
 
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Have you ever had a conversation with yourself about your future when you were asleep?

I know that sounds scary but sometimes while I am dreaming(?) I will actually analyze and come to some conclusions on things that have been bothering me during the day.

I don't know why or how it happens but it does.

It's not a restless night.

In fact, I sense that I am in a really deep and restful state of mind when this happens.


My thoughts are clear, lucid and coherent.


Last night was one of those nights.


Maybe it happens because I am getting older and have more control over my thoughts.


Or, maybe it was the big bowl of strawberry ice cream I had before turning in.


Anyway, I guess this proves that you really do have to face the tough questions in your life eventually even if you wind up doing it subconsciously.






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One of the websites I visit regularly when I am looking for inspiration is "thoughtquestions.com."

They post one thought provoking question a day.

I compiled 20 of them for you to look at in a little slideshow below.

If you click through them kind of slow and easy this will give you an idea of what my dreams were like last night.

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Like the folks at "thoughtquestions.com" state:

"A question that makes you think is worth asking."

I would love to hear your answers to these questions.

Do you have any other questions we need to be asking?


Please share them with us in the comments section below.


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

It's easy to tell them about it.

You could forward it to them by clicking on these links to:

"FaceBook", "Twitter", "LinkedIn", "StumbleUpon", "Pinterest" "Google+"

or
just email them my blog link at:   www.survive55.com
.

It would be great if you told everyone you knew about Survive55.com.


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


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