Baby Boomers,

Probably the most important asset you have is your retirement fund.

In some cases, it is larger than the equity in your home.

Do you spend as much time working on your IRA's and 401(k)'s as you do working around your house?

Have you made any improvements lately or made any preparations for the future?

I recommend you put a "Retirement Fund Review" at the top of your "Honey-Do" list for next weekend.

This is a great time to get prepared for the end of the fiscal year.

And it's a great time to get a jump start on getting the most from next year's tax laws and benefits.

If you are an avid follower of my blog, you know that I have a commitment to bring you expert advice on the most important topics affecting your life as we creep towards retirement.

                     Is there anything more important than making sure your money is safe 

                                                               and working for you?

Well, in my internet travels I have come to know a great businessman,William Noonan,  that has just the experience and expert advice we need when it comes to our personal financial planning.

William is a Financial Advisor with "Ameriprise Financial" in San Diego.

I first met William at the AARP "Ideas at 50+" Expo in San Diego.

Right off the bat, he impressed me with his warm personality, eagerness to help and obvious extensive experience in the financial services industry.

Besides that, he is an Illinois college Graduate (Western Illinois University, Macomb, IL) like me (University of Illinois, Champaign-Urbana, IL), he loves to coach Little League and his son, Nick, is a professional baseball player recently called up by the San Francisco Giants.

What a small world.

I probably saw his son playing in Spring Training this year in Phoenix.

Anyway, William has been kind enough to accept my offer to be a resident adviser on all things financial on my blog.

Thanks to William, I will be bringing you articles and blogs, from time to time, that I think are important to you.

Other than your health, your financial state has the single most direct effect on the personal enjoyment and comfort you will experience as you grow older.

That's why I am passionate about making sure you have the right information and a resource to turn to with your questions.

Here's a great article from William discussing the challenges of "Retirement Withdrawal Rates."

Retirement Withdrawal Rates

During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.

Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. Figuring out an appropriate initial withdrawal rate is a key issue in retirement planning and presents many challenges.

READ MORE HERE............

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

Critical Maintenance Tips to Get Your Car Ready for Summer: 

Baby Boomers,

I know this is not the most exciting or provocative subject to read about today but bear with me.

You have to remember that my "call to duty" at Survive55.com is to help our Baby Boomer generation, keep them informed, safe and "plugged in" the best I can.

Sometimes, that means that we have to take care of the menial tasks in life as well so that little issues don't become bigger problems.

I am a huge advocate of "an ounce of prevention" philosophy.

So, today I am going to ask you to use an "ounce of prevention" to defend against possible big issues with your cars before the wild weather of summer sneaks up on you.

Summer's heat, dust, vacation travel and stop-and-go traffic can really take a toll on your vehicle.

Here in Arizona we get the extreme sides to the weather:  Excessive heat in the 100's for months on end, "Haboobs" or massive dust storms that can choke a camel and when it does rain, look out for micro-bursts and hail.

All of these wonders of nature can really wreak havoc on your cars.

And if you live somewhere in the nation that really does experience  true winter weather then the after effects of the snow, sleet, salt and freezing temperatures can really set you up for a breakdown.

So, although it may not be the most exciting subject to be tackling right now, it is one of the most important, right?

Let's take a few minutes to look at some priority maintenance tips on what you can do to get your car, jeep, truck, SUV or crossover ready to roll this summer.

         Summer Car Care Tips

1.   Check the tire pressure.

This entire article started because I walked outside the other morning (it's now getting light at 5:00 AM) and noticed that the tires on my van looked low.

Why was that?

Since air is a gas, it expands when heated and contracts when cooled.

The rule of thumb is for every 10° Fahrenheit change in air temperature, your tire's inflation pressure will change by about 1 PSI (up with higher temperatures and down with lower).

In most parts of the US, the difference between average summer and winter temperatures is about 50° Fahrenheit.

This can result in a potential gain or loss of about 5 PSI as the daily temperatures change.

Plus tires do lose pressure each day, through the process of permeation.

In cool weather, a tire will typically lose one or two pounds of air per month. but as it warms up it's common for tires to lose air at an even higher rate.

Put these together and you might find that your tires are down by 10 to 15 PSI from recommended pressures.

A 15 psi fluctuation can seriously affect handling, traction, and durability.

It is
critical to have properly inflated tires at all times, as this assures the best possible contact between the tire and the road.

Make sure to r
ead your owner's manual (you know that cool little book in your glove box) to find the correct tire pressures, and, if necessary, adjust pressures to compensate for the hotter operating conditions -- especially if you're doing lots of high-speed driving on a summer-vacation road trip.

Properly inflated tires will also last longer and improve gas mileage.

Because of summertime's higher temperatures, the air pressure in a warm tire rises.

Keep this in mind if you are checking tire pressures.

The given tire pressure specifications are for when the tires are cold, therefore the pressure should be checked when the tires are cold -  best in the early morning.

P.S.  Don't forget to have the tires rotated so that they all wear evenly over time.

2.   Change the engine oil and adjust the viscosity grade.

OK, "Tool Time Tim" this isn't as hard as it sounds.

Viscosity refers to the thickness of the oil.

Engine oils are sold with different levels of viscosity, and most newer grades are multi-viscous, which means the oil's thickness can change depending on its temperature.

Generally speaking, the warmer the oil is, the thinner it will be.

If the oil is too thin, the engine might not get the proper lubrication.

To resolve this summertime issue, you can change your vehicle's engine oil to one that is a little thicker.

Determining what type of oil your car should have during the summer is easy.

Simply read your vehicle's owner's manual (there's that snifty little book again) because it lists recommendations for different climates and temperatures.

If you don't want to get your hands dirty, head to a dealership or local garage and have them perform the oil change.

This time of year there are numerous Groupons, coupons and discounts available for a full service oil change.

Get your oil filter changed at the same time.

Be aggressive and ask to see the old filter when they pull it.

This way you can inspect the old oil to see how dirty it is and if there are any contaminants in it plus you really look like you know what you are doing

As an FYI..........Most modern cars have recommended oil grades of 5W-30, 10W-30 or 10W-40 which are all multi-viscous grades.

3.   Check your battery.

A battery gives little warning before it goes dead.

In Arizona your car will start one moment and then it's dead as a door nail the next.

More than likely the battery will expire when you least expect it.

Be prepared.

Hot weather can put additional strain on a battery.

If your vehicle battery is more than three years old, have it tested.

They will do that for free at AutoZone, Napa or any neighborhood auto parts dealer.

Also, make sure the posts and connections are free of corrosion.

If you experience any sign of power drop: lights dim at starting, power drain when turning on the A/C, slow cranking, etc. then it is a sure sign your battery is dying.

If you're embarking on a long trip, consider replacing the battery if you don't know how old it is.

It really is cheap insurance when you're out on the open road.

4.   Inspect the belts and hoses.

My girlfriend and I were just talking about this the other night.

Her truck is about 5 years old and we don't think the belts have ever been changed.

The belts and hoses in modern vehicles last a long time, but that doesn't mean they don't have the potential to fail.

This is not the "good old days" where you can tie a shoe lace around your pullies to get by until you reach a gas station for repairs.

These serpentine belt configurations (or SBC's as I like to call them....LOL) are damn complicated and one failure can lead to a whole mess of trouble.

Before summer begins take you vehicle to a shop (I recommend the same time you are having your oil changed and tires checked and rotated) to have the belts and hoses inspected on your vehicle.

Again, like your battery,
if you're not sure when they were last replaced, consider having them changed, especially before heading out a long road trip.

5.   Inspect the wipers and wiper fluid.

Here is where "Murphy's Law" will always rear it's ugly head.

It will always start raining while you are on your way to get your windshield wipers changed out.

Don't let that happen to you.

Be preemptive with old Mr. Murphy.

Head over to your favorite auto parts store and, if you are nice, they will probably offer to change them out for you.

It only takes a a few minutes.

Visibility is always important and even more so during the exotic summer storms that can be quite severe in some parts of the country like Arizona.

Throw together a massive dust storm and a quick downpour and you have a recipe for total lack of visibility.

The life expectancy of a wiper blade is one year.

If your car's blades are dried out and not making full contact with the windshield, replace them.

6.   Check coolant/antifreeze mixture.

Before you know it, it's going to get freaking hot outside.

Make sure your coolant is functioning properly or you will toast your engine.

The ideal mixture of coolant and water inside your vehicle's radiator is 50:50.

If the mixture deviates from this norm, then hot-weather performance can be compromised.

It's not like the old days where you poured an entire jug of Prestone into the radiator every summer.

The cooling system on modern vehicles is dialed in and sensitive to changes.

Today's engines run much hotter than they ever did.

Follow the instructions in your owner's manual (that damned little book again).

You can check the balance of your radiator's mixture by using an antifreeze tester.

You can find these at all auto parts stores, and they are inexpensive and easy to use.

If the mixture's balance is off, adjust it by adding either coolant or water

7.   Air Conditioning

Let me say it again: Before you know it, it's going to get freaking hot outside.

Don't get caught in a sweltering car on a 100+ degree day wishing you had checked your A/C.

Trust me, a
marginally operating system will fail in hot weather.

Have the system examined by a qualified technician.

There are Groupons and coupons and discounts for this service as well.

A properly functioning A/C system in your car is not a luxury.

It is
a necessity in Arizona and other parts of the country in the summer.

Does your car have the summer time "stink"?

Mine does.

Newer models have cabin air filters that clean the air entering the heating and air conditioning system.

These can get real dirty real fast and even get moldy (thus the smell) because of the moisture from the A/C system.

Check your owner's manual (you know what I'm talking about right? - that little book again) for location and replacement intervals.

8.   Engine Filters

Speaking of "stinky" and "dirty" make sure to replace all of your other vehicle filters (air, fuel, PCV, etc.) as recommended more often in hot and dusty conditions.

Many times a simple, low cost filter will be the cause of an engine malfunction like hard starts, rough idling, stalling, diminished power, etc.

When you are getting your oil changed, tires tested and rotated, air conditioning and/or fluids checked
at a good shop then get these filters looked at and replaced if needed.

9.   Carry an emergency kit inside your car.

This is probably not something you ever thought about before as a vehicle maintenance tip but you should
consider carrying a "safety" kit at all times in your trunk.

nclude the following:

  1. A flashlight, flares and highway triangles
  2. First-aid kit.
  3. Jumper cables.
  4. Extra clothes and gloves.
  5. Paper towels and rags
  6. Extra washer fluid.
  7. Food and water.
  8. Basic tools like wrenches, a ratchet and sockets, screwdrivers and pliers or Vise-Grips.
  9. Rope and bungee cords
  10. Pencils, paper and accident forms

I got into this habit thanks to the companies I worked for in the past. 

They required everyone with a company car to keep an emergency kit in their trunks.

It has saved my skin and made my life much easier many times in the past.

10.   Get a car wash

OK, so your prized Porsche (or in my case a 1954 Oldsmobile Dilemma) is all checked out and ready to roll this summer.

The tires look good, the wipers are new, the fluids and A/C are checked out so what is left to do?

Get your prized puppy washed, waxed and detailed that's what.

Not only do you look "hot" rolling down the street in a clean vehicle but proper maintenance of the paint will keep it looking good for years down the road.

Plus there are safety reasons to keep your vehicle clean as well.

It is important to
keep your headlights clear and bright.

The vehicle will run cooler if you keep your radiator from becoming a bug zoo.

And it's pretty damn important that
you can see out the windshield as well while driving.

Like I said, this isn't the flashiest of topics to talk about and this article probably won't go viral (unless you somehow feel it should and you pass it on to everyone you know) but it is timely and it is very important to your safety and state of mind.

You are in your car a lot so make sure you don't lose a lot of brain cells worrying about how it is running.

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,

Let me ask you a question.

On what day do you have the hardest time trying to sleep?

Is it Sunday night like me?

I guess there are several factors that combine to keep me restless on Sunday nights.  
I lie in bed wondering where the weekend has gone. 

Most times, it seems like I am doing twice as much over the weekends as I am doing during the week.  I can't stop working and I can't stop playing at the same time.

It also seems like I pull the "emotional plug" on the previous week on Sunday nights.  My brain scans all of my priority lists and starts readjusting them for the week ahead.

And then there's the fact that  I am so excited to start the week and so excited by all of the things I am going to experience and accomplish before Friday comes around again.

Is there a little voice inside of your head constantly screaming out:

"There is so much to do and so little time to do it?"

It's weird how this all happens most frequently on Sunday nights.

It's even weirder that this seems to be getting worse as I get older.

I think it has something to do with internet and what this incredible resource is doing to me.

Yes, the internet offers an endless horizon of learning and discovery and experience and instant gratification but it also can be a mental overload at times.

On Sunday nights my brain is acting just like it's surfing the world wide web and I can't stop it.

There are times I feel it is actually making me less focused, less centered, less able to concentrate
and even less satisfied in a curious and particular intellectual way.

So I searched out my problem this morning and found this wonderful video from the company "Epipheo" a wonderful internet video communication company.

It is based on the research ofNicholas Carr, author of several books about technology and culture.

I think, in a strangely silly but thoughtful way, that it truly might explain my issue.

Have a look and let me know what you think.

Am I getting smarter and smarter or has technological progress merely provided me with more efficient means for dumbing down?

I guess beauty is still in the eyes of the beholder even if it is now an electronic allure.

Maybe my Sunday nights are a reminder to log off and experience real life.

I know
I am totally addicted to the internet.

And you know what?

I am not ashamed telling you that.

ut I  do realize that there still has to be a balance between experiencing a cyber vacation to Ecuador and feeling the damp, green grass under my feet.

Maybe I'll start sleeping outdoors on Sunday nights.

"Calm down, unplug and focus on one thing at a time."

That's s
ound advice from Nicholas Carr's book / video "The Shallows: What the internet is doing to our brains"

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

Satisfy Her Needs

Find out what women really want during sex.

Men, listen up!

Satisfying a woman's desire in the bedroom may be easier than you think.

Sex therapist Sari Cooper from the website "RealAge" shares her secrets in a great video about making sure you meet your partner's needs.

OK, guys, here's your chance to learn something.......just click anywhere on this line to view this video.

Ladies, you can check out the video to find out what we are going to learn.

Let me know if you agree with what Sari Cooper has to say.

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,

We've talked about it before.

There is an evil empire that lurks in the background of this information age that is constantly trying to steal your personal information so they can use it for illegal reasons.

The scams can come in a stupefying array of different forms.


There are thousands of different ways they will come at you.  It makes sense to always be prepared.

In this day and age, the sage advice "If it looks too good to be true, then it is" has never been more pertinent.

Well, the fine folks at NeoMam Studios read some of my past blog articles (click on links above) about scams targeted at our Baby Boomer generation and they put together this wonderful and easy to read infographic for me to give to you.

This chart dissects the most common scams that target senior citizens.  Take a look at their advice and please make sure to share it with everyone you know that may be vulnerable to this kind of trickery.

8 Scams that Prey on Older People

8 Scams that Prey on Older People [Infographic] by the team at Bluebird Care

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 remember the comic strip "Calvin and Hobbes?"

No, I don't think you can truly consider it a "Baby Boomer" comic strip. It wasn't around when we were kids like Family Circus, Beetle Bailey or Blondie.  In fact, the comic strip didn't show up until November, 1985.

But, in a way, Calvin and Hobbes, forged a place in an important era of our Baby Boomer lives during a time when many of us were becoming adults and having families.  I was 30 years old, newly married and blessed with a 5 year old son that exhibited most of the creative, mischievous and fanciful behaviors that Calvin was assembled from.

For the 10 years that Calvin and Hobbes was a leading syndicated comic strip, I considered it a primer for my fatherhood.  I WAS the geeky, unsure Dad in glasses that was constantly struggling to stay one step ahead of his son's ingenuous and at times dangerous mind.

The other day I was rummaging through a box of my son's "stuff" that has been stored in our attic for the past 10 years and you know what?  I came across a ratty and stained copy of the "Authoritative Calvin and Hobbes Treasury" that I had given him for his birthday back in the late 80's.  I was drawn to read it once again.

My son and I WERE Calvin and his Dad. We shared so much of Bill Watterson's observations and flights of wild imagination it was scary.

In a funny way, as I looked back on some of those comics strips, I could pin point times and places in our lives that transpired around them.

The most disturbingly funny thing about reading these comics again was remembering the lessons I learned from them and most importantly the fundamental education I built from my relationship with my son.  Many of these simple cartoon parables helped me stay one step ahead of my son.

So, as I sat in the garage the other day, I "dog-eared" 10 of my favorite Calvin and Hobbes "Life Lessons" that I wanted to share with my fellow Baby Boomers.  

Obviously, there are hundreds more that should be re-read and savored.  At the height of its popularity, Calvin and Hobbes was featured in over 2,400 newspapers worldwide. 

And as a testament to it's staying power, as of January 2015, reruns of the strip still appear in newspapers and magazines in more than 50 countries. 

It's no wonder that each of these strips below taught me a vital life lesson !!











I'm sure Calvin's Dad learned a lot from his son.  I know I did.  And those lessons didn't go to waste.  Now I am using my "Calvin and Hobbes" experience to stay one step ahead of my Grandkids.

Isn't life great !!

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

Baby Boomers,

Did you know that according to HHS.Gov/HealthCare (U.S. Department of Health & Human Services:

  • Because of the Affordable Care Act, health care is finally affordable for millions of Americans and their families: Premiums are holding stable and nearly 8 in 10 current consumers could get covered for $100 or less after tax credits.  Before the Affordable Care Act, consumers on the individual market often were subject to double-digit rate increases. On average, Marketplace premiums are seeing only modest increases.
  • 87% of people who selected 2015 plans through HealthCare.gov in the first two months of Open Enrollment got financial assistance to help lower the cost of premiums.
  • Insurers have decided that the Marketplace is a good place to do business and as a result, consumers have more choices.  Twenty-five percent more issuers have joined the Marketplace, and consumers can choose from an average of 40 health plans, which is up from 30 in 2014.
  • Consumers have saved $9 billion since 2011, because the law requires insurance companies to spend at least 80 cents of every dollar on consumers’ health care and empowers states to review and negotiate premium increases.
  • Millions of seniors are saving billions of dollars on prescription drugs: 8.2 million seniors have saved more than $11.5 billion on their prescription drugs since 2010 – an average of $1,407 per beneficiary.


Do I live in some sort of magical cosmic delusional reality?

I know absolutely nobody who has benefited from participating in the "Affordable HealthCare Act."  In fact, the only responses I have received from my family, friends and social circle are negative.  Those who have the wherewithal to afford insurance opted to find their own through private sources.  Those who could not afford conventional sources of insurance have opted to forego purchasing any insurance on the Obamacare program because the prices were so high it was easier for them to just pay the fine on their income taxes.

In other words, nothing has changed since the Affordable Care Act was introduced.

Why does our government continue to force feed us such a rosy picture of the success of this economic fiasco?

How about a little "truth in advertising?"

Well, check out the short video below and I think you'll have to agree with the one sentence recap of what Obamacare really is by Dr. Barbara Bellar.

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

How many times do you wake up wondering what to do first?

Hopefully never.

How many times do you look at your "To Do" list and wonder which task to start on?

Hopefully never.

How many times do you get started on a task and wonder what is the most efficient way to complete it?

Hopefully never.

I say "hopefully never" because I think most of you guys and gals that follow Survive55.com on a regular basis have a general plan that keeps you working your lives in a relatively efficient and organized manner.

In other words, "you have your sh*t together"...........I hope!

It doesn't matter if you wake up wanting to be a professional race car driver or just hoping to get your blog launched in time, the 10 tips below will help you improve your productivity and planning skills.

I found these in an old Huffington Post article (go figure) written by Todd Van Luling.

Todd is an Associate Editor at Huff and has had positions at two great web sites: BuzzFeed and Flavorwire.

Obviously, and as usual, I have taken some artistic license and added my own two cents worth of
insight and experience from the years I spent in the sales and management fields.

Most of these are common sense but I think you will agree that is in short supply now-a-days.

Look them over, use what you like and let me know if there are others you would add.

1. Simply starting a task will make it much easier to finish.

"A journey of a thousand miles must begin with a single step."

"The first step is you have to say that you can."

Most great people have attained their greatest success just one step beyond their greatest failure."

You get my point right?

Do you need scientific proof?

Well, a
ccording to the Zeigarnik Effect, your brain will send signals that effectively nag your conscious mind when you've started, but not finished, an objective.

Bluma Zeigarnik was a Soviet psychologist who first developed the theory that humans are naturally driven to finish what they've started, due to the anxiety they feel when tasks are begun and then left incomplete.

In 1992, a pair of psychologists proved this theory in a study on task interruption. They saw that the feeling of uneasiness unleashed in the brain could only be quelled by completing the started task. In other words, although the process might be a bit uncomfortable, our brains are naturally wired to push us along to the end.


2. Multitasking is actually impossible and you should probably stop trying to do it.

"Humans don't really multitask," concluded Eyal Ophir, the primary researcher on a groundbreaking Stanford Multitasking study released back in 2009.

True multitasking -- that is, doing more than one thing simultaneously -- is a myth, as our brains are actually switching between tasks extremely quickly.

Although some people seem to have become decently good at this bouncing around of focus, Ophir explains that these people are often working toward a different goal of juggling focus to make sure they don't miss anything.

"Where you might say traditionally we value the ability to focus through distractions, they are willing to sacrifice focus in order to make sure they don't miss an unexpected, but rewarding, surprise," Ophir said.

So if you want to get a specific task done quickly, you should stop trying to multi-task and keep your brain tuned on the most important work at hand.

3. Your willpower is a finite resource that can be used up more quickly than you realize.

"Ego depletion," a specific kind of mental fatigue identified by psychologist Roy Baumeister, refers to our mind's inability to simply will ourselves through an endless number of disciplined tasks.

In what must have been pretty a cool experiment, Baumeister instructed subjects to either eat or resist eating freshly-baked chocolate chip cookies before completing rigorous mental tasks.

The ones who were forced to resist had used up so much willpower by not eating the cookies, that they performed significantly worse on the tests.

So, if you're trying to push yourself through task after task, just remember that you'll likely become less and less productive as you keep going on.

4. Small mindless tasks, like checking Facebook, can trick your brain into thinking it's accomplished something worthwhile.

John Bargh, a social psychologist currently working at Yale, released a study in 2001 that got to the heart of procrastination.

He claimed our brains attempt to simulate "real work" by re-focusing on completing mindless tasks, like cleaning your room or checking your Facebook notifications.

These distractions can trick your brain into releasing the euphoria of "accomplishment" that should be saved for the goal you'd really like to complete.

Your brain is no fool and it knows that completing these simple tasks will give you the same brain boost that completing a more arduous task will.

Fight the urge and stick to the activity that's most important to you.

5. Shorter, more focused bursts of work will make sure you aren't diluting your energy.

The most effective workers are ones who attempt tasks in short bursts of concentration, rather than long bouts of meandering, according to a study published in Psychology Review.

As the New York Times reported in 2012, the amount of time put into completing a task doesn't necessarily mean more will get done, as breaks and resets are extremely important in making sure the time devoted to work is most effective.

Remember, you don't have an endless supply of will power.

So don't put yourself in a position where you're stuck spending all day writing an essay or learning a song, when a focused burst could have made getting the job done a quicker and more fruitful experience.

6. Writing a realistic to-do list of goals and deadlines in the morning can keep you focused.

The "to-do" list is a staple of many, many "how to be productive" lists, but it isn't quite as simple as just writing down every lofty goal that comes to mind.

It is absolutely essential that the tasks written down in the list will actually be completed or at the very least serve as ongoing notes to complete over a short time period.

Feeling like a failure for never completing a "to-do" list can simply be changed by removing the loftiest goals and starting with manageable small tasks that build toward something bigger.


7. Sleep allows you to recharge and enables ideas to materialize in your head naturally.

According to a 2011 Harvard Medical School Study, an entire third of the American population isn't sleeping enough to work at peak function.

This costs the economy an estimated $63 billion a year in lost productivity.

Beyond all of this, just the act of sleeping can "reactivate and reorganize recently learned material, which would help improve memory and boost performance," as Harvey B. Simon, M.D., the Editor of Harvard Health summarizes from the work from his colleagues.

Rest and relaxation boost your productivity and allow for you to carry out the shorter, concentrated, and highly effective work bursts mentioned above.

8. Practice is still the most effective path to becoming more productive. There are no perfect shortcuts!

Practice isn't just for athletes and musicians.

All sorts of life tasks can benefit from determined rehearsal.

If you can succeed in making the simple, everyday tasks automatic (hopefully you've already mastered breathing), you can free your brain to focus on loftier and more complex goals.

American Scientist's publication of Herbert Simon and William Chase's "10,000 Hour Rule" in 1973, and later Malcolm Gladwell's further popularization of the theory in "Outliers" has certainly promoted the value of practice in achieving our goals.

Many people read how famously successful people such as The Beatles only became truly brilliant after putting in over 10,000 hours of practice.

But these same ideas really should be applied to mastering all the smaller things in your life as well.

No task is too small to practice if it's part of your everyday routine.

Just remember those 10,000 hours better have a lot of quick breaks and naps in between!

9. Get rid of the clutter.

This means in your daily activities, your email inbox, your friends, your distractions and your material possessions.

Having too much of anything slows you down.

Having the wrong anything slows you down.

Get rid of your daily vices that distract you from your priorities like watching the news on TV, checking your email constantly or constantly talking on your phone,

There is a time and place for everything.

Get rid of the pile of unfinished notes, newspaper clippings, magazine articles, blog reprints, to-do lists, things to "check out" lists and posted notes that clutter your immediate working environment.

Keep only what you are working on within arms reach.

Get rid of emotional distractions as well. 

Articles tapes to the wall about a beach you want to visit on your next vacation or a picture of a business suit you saw on sale will only serve to distract you from your task at hand.

10.  Use the world of electronics to your advantage.

Take the appropriate amount of time to become fully versed with your personal electronic devices so you can master them.

Most of us bought our cell phones, i pads, lap tops and personal computers to make out life simpler.

But what did we do?

We pulled them out of the box, cranked them up and began working with them.

The only way we have truly discovered their true potential has been by trial and error.

Stop today and read up on what your electronic devices can do. 

Take the tutorials that come with them.

Check out the internet for tips from experts.

Spend an hour a week researching apps and plug ins that will make your work and lives easier.

I'm sure you remember the phrase "ya, we have an app for that" from the old iPhone 3G commercials.

Well, chances are there is a handful of apps already waiting to simplify your daily routine.

Quit working on your electronics and put them to work for you.

Well, what do you think?

Can you use any of these 10 tips to make your life simpler or more productive.

Remember, it's not a case of just reading these tips or using a few of them one time that will make you the next success story on the cover of Forbes.

You need to apply them methodically to your daily routines and refer back to this list on a regular basis.

Make these actions habits and you will see genuine results.

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

Baby Boomers,

It's true......Men really do say some stupid things sometimes.

Since today is "National Worship of Tools" Day I figured I would poke a little fun at men today.

Not a hard poke just a fun poke.

So, women of the world, get ready to have some fun.  

Most men, whether your husband, mate, life partner or significant other will probably spend most of today out in the garage, the tool shed, the storage closet or where ever he keeps your tools embracing this wonderful national event.

That's right, they will be grunting and growling in pleasure as they  play with their tools; cleaning them, organizing them, making new things with them or maybe just heading to the local big box store to buy some new ones.

And guess what, they will probably utter something incredibly stupid during the course of the day.

They always do.  That's what men do.

Ladies, has a man in your life ever said something to you so stupid that you wanted to inflict a slow and painful emotional death upon them?

Men, have you ever heard any of your "bros" utter something to their significant other that you just knew was going to get him a quick trip to the dog house with no chance of parole?

Well, the slideshow below is a fun collection of some of the classic "I wonder why I said that" statements from average men like me.

There are some real doozies.

We're men.  Sometimes we can't help what we say.

I wonder if there is a tool to fix that?

Do Men really say things like this?

There are some real doozies, huh?

Have you heard better........I would love to hear your best.

Please share them in my 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..........................................................

Baby Boomers,

Do you remember when you were young and poor and a vacation meant spending weeks camping out in the woods in a leaky canvas tent with absolutely no creature comforts and just the clothes on your back?  There was no phone, no radio and definitely no electronic entertainment.  You only ate what you could hunt and catch.  You foraged for food and clean water. You built fire from twigs and rocks and traveled by navigating the sun and stars.  You pooped over a log.

Did you ever do that? 

No, me neither.

But I do have to ask you:   Are you getting soft?

Are the creature comforts of life becoming more important than the youthful thrill of conquering mother nature?

Do you think you have run out of ways to take creative vacations and still connect with Mother Nature?

Well, I have a solution for you.

In the past few years, a global trend has developed offering outdoor enthusiasts a creative alternative to the simple recreation of camping outdoors. 

It’s called "glamping."

That’s right, folks have even invented a word for this new vacation form, defined as “glamorous camping.”

Glamping is the newest way to experience the great outdoors without sacrificing luxury.  Glamping is that escape from the constant barrage of work and social excess that you have been longing to take….maybe?

Sure, you still get the chance to interact face to face with Mother Nature, but when you’re glamping, there’s no leaky canvas tent to pitch, no musty sleeping bag to unroll, no primitive fire to build.

While glamping, you might find yourself inside a magnificent multiple room tent or a solar powered yurt, a shiny "Airstream", a two story grass hut, villa or luxurious tree-house.

In most cases, you don’t even have to fend for yourself at all.  There are activity directors, cooks, maids, guides, butlers and even message therapists.

This sounds like my kind of camping and it has become so popular with the “outdoorsy” set of vacationers that a multitude of global hospitality brands have capitalized on the demand. 

Now you can experience all of the character building and heady cleverness you once found while “roughing it” without the “uncomfortable” negatives of basic camping.

Glamping often offers the highest level of personalized service that focuses on the complete and utter comfort of the guests. The amenities found at glamping destinations far exceed anything recreational campers might experience.

When you glamp, you can expect amazing views, unique structures and secluded landscapes while you relax in comfortable beds, take luxurious bubble baths, enjoy on-site spas or even escape to your own private beach.

Sound interesting?

What kind of unique experience are you thinking of?

Is it a week by yourself in a secluded tree-house?  Is it an urge to try mountain climbing or deep sea diving?

Here’s your chance to be adventurous, be secluded, be daring and be carefree all without ruining your new manicure. 

Why go glamping?  Let me give you a couple of examples of what you can experience.  You options are incredibly varied.

How about a few days at The Resort at Paws Up located a couple of hours northeast of Missoula, Montana?

This beautiful resort is one of the most popular on GlampingHub. Here outdoor fanciers can live  like the richest cowboys on the planet. The resort’s variety of accommodations, located on 37,000 acres of wilderness, include a luxury ranch resort, sprawling log cabins, massive safari tents and exclusively designed honeymoon tents.  No matter what your lodging preference is you’ll have electricity, heated floors, spas and butlers. That's right, your own butlers.

Yes, Baby Boomers, when Mr. French isn't catering to your every need, you can go horseback riding, fly fishing and even work a cattle drive. After a hard day on the range, you can work out on the "Grizzleyman" fitness trail and then head to “spa town” for a massage. And for dinner, glampers can choose from a gourmet restaurant, an outdoor chuck wagon grill, or even room (well, tent) service.

OK, so maybe camping in the "wilds” isn't your cup of chai tea.  How about spending a few days on the beach?   If that sounds like “roughing it “ to you then you had better check out the Lanzarote Retreats in the Canary Islands off of the coast of exotic Morocco. You can definitely retreat from the rat race of city life to this eco-resort in rural Lanzarote. You will stay in its yurts and eco cabins, relax and take in the unworldly volcanic landscape. In addition, Lanzarote Retreats is located near Arrieta beach, one of the best on the island.

Not all glamping destinations need to have a high-tech, minimalist design. 

Why not live like Bilbo Baggins for a weekend at "The Hobbit House" in Cornwall, England? Your very own Hobbit House is a part of eco-friendly vacation site Plan-it Earth, and it’s designed with the environment in mind. The house features wood-burning showers and compost toilets, but don’t think it skimps on glam; the ornately designed house features plush furniture and a skylight roof. During the day, Plan-it Earth offers strolls around its vegetable garden, classes on the environment and rural skills.  Oh, and don’t forget to carve out some time to visit the on-site sauna.

Do you have something even stranger in mind?  

How about booking some time at the "TreeHotel" in Harads, Sweden to experience the Northern Lights?  

Do you miss the days of your youth playing in the backyard tree-house?  Well, here’s the grown up version with a retreat built around 6 (18 more are planned) camouflaged buildings suspended in the trees of the Lule River Valley

One “treeroom”, the "Mirrorcube", blends into the landscape with a mirrored exterior, while another, the "UFO", resembles a flying saucer that didn't quite make it to the ground.   There’s also the “Birdsnest” and the “Dragonfly” rooms.  

Just like the rest of TreeHotel, Britta's Restaurant is difficult to compare.  They only serve the finest fresh produce that Norrland has to offer along with meals carefully composed of fresh, wild, local game and fish.

Like I said earlier the glamping options are only as varied as your imagination.  

Baby Boomers can find themselves  “tenting” in the sand dunes of central Australia, living in Geodesic domes in Patagonia, Chile or “slumming it” in a 5-star igloo in Whitepod, Switzerland.  

Are you convinced that glamping is the future of vacations?  

There is no doubt that glamping entices you to reconnect with nature in a new and unforgettable way.  Instead of spending weeks buying supplies, packing the family "truckster" and trying to plan for all of the imminent dangers that nature can surprise you with, why not wake up and step outside of your private luxury yurt and enjoy the peaceful serenity, fresh air and striking natural scenery as it was meant to be experienced?  

Oh ya, don’t forget to have Mr. French book you some spa time. 

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