Baby Boomers,

For most of you reading this article we are in the throes of mid-summer heat waves. For some of you the "dog days" of summer may last a month or maybe even two. in Arizona the peak of summer lasts from May through September.  I'm not kidding. 

Even though we live in a virtual furnace and fancy ourselves professionals at staying cool and burn-free, we still need to be extra cautious in mid summer.  Sometimes month long stretches of 100+ temperatures can melt our brains and make us do things we normally wouldn't if we had any common sense left.

For instance, yesterday I found myself repairing roof tiles at 4:00 in the afternoon. It was 110 degrees, there wasn't a cloud in the sky and all I was wearing was shorts and tennis shoes....no shirt and no hat.  I didn't think too much about it at the time (obviously my brain was fried) but this morning the entire experience came rushing back to me in one giant FLASH as I stepped into the shower and the hot (remember I live in Arizona so our water never goes below 90 degrees in the summer) water ripped into the crispy burnt flesh on my back and on my slightly (I use that term lightly) balding head.

OUCH !!!

Believe it or not, these little bouts of sunburn that I  sometimes submit myself to aren't uncommon and they aren't the worst thing that can happen.  After 25 years in Arizona, these little "frying" accidents have become second nature to me.  The most dangerous effect of spending too much time under the sun, is the often ignored malady called "Heat Exhaustion" or "Heat Stroke" if in more advanced stages.

This affliction is a tricky bastard and one you had better be constantly watching for and prepared for.  The cunning of this hazard lies in its ability to overtake you without you knowing it.  One minute you feel fine, the next minute you're a babbling mass of melted protoplasm waking up in the emergency room.  So how does it happen?  It's rather elementary my dear Watson !!

Here's the perfect formula to drive yourself to heat stroke:

First, spend a long time in the sun.  If you are going to do that make sure you are wearing inappropriate clothes( no hat, no shirt, etc.) or even no clothes at all.  Then, do something very strenuous like work or play sports or go running up a mountain.  While exerting yourself to the max be sure to refrain from drinking any water or beneficial fluids even if you feel thirsty.  Are you getting light headed just reading this?  If you really want to speed up the process then drink a butt load of alcohol.  There is nothing like chugging 9 or 10 beers to bring on the onset of dehydration.

OK, now you are on your way to a major physical breakdown.  All kidding aside, this is not a pleasant experience and many times it can be very dangerous.  Like I said earlier, heat stroke can sneak up on you so by the time you realize that your are having issues you are already in deep doo doo.

I'm not sure where I found the wonderful chart below outlining the symptoms and recommended care for anyone that experiences heat exhaustion and heat stroke but I am glad I did so I could pass it on to you.  Please take a few minutes to read it over and if you are so inclined, print it out and tape to the front door of your house so you can see it every time you plan on going outside in 110 degree temperatures without, at least, a hat on.

So how can you prevent disabling yourself from heat illnesses? Simple......think ahead. That's right......prepare.  Once again, I am not a doctor, nor have I ever played one on television, but here are some fantastic recommendations to keep yourself happy and healthy even in the grip of the "dog days" of summer.

  • Check the temps for the whole day when going outdoors.
  • Think about how hot it was the last time you went out.
  • Always (and I mean always) have plenty of water and/or beneficial fluids to drink.
  • Map out your schedule to plan for time to rest in the A/C and use shade where available
  • Learn the early signs of heat exhaustion
What else can you do to prevent heat illnesses:

  • Wear loose-fitting, lightweight and light-colored clothing in hot weather.
  • Wear a large brimmed hat
  • Avoid excessive exercise or heavy physical activity outdoors
  • Be very careful if you are taking drugs that impair heat regulation, or if you are overweight or elderly.
  • If driving, allow your car to cool down before getting in.
  • If you are overweight or long in the years, then be even more cautious and more prepared.  

Fun in the sun is a good thing if done properly.  In fact, it can be downright........FUN !!! 

Like the great Rudyard Kipling said "Keep your head when all about you are losing theirs."  

I'm not sure if he was referring to heat illnesses but if the quote works, right?  Enjoy the rest of your summer and stay safe !!!

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,

Did you know, as a citizen of the United States, you have the right to receive a FREE credit report from AnnualCreditReport.com?

That's Right !!!

If you do a quick "Google" search you will quickly discover there are thousands of internet sites that provide you with your credit score for a fee.   For a fee?  Why pay a fee?  It's your credit score right?

Well let me tell you folks, by law, you also have the right to FREE credit reports from AnnualCreditReport.com or by calling 877-322-8228, which is the authorized source under Federal Law for free credit reports. 

By law, you can get one free credit report from each of the three national credit reporting agencies (Experian, Equifax, and TransUnion) during any twelve-month period. 

For more information, go to www.consumerfinance.gov/learnmore.

AnnualCreditReport.com is the official government backed site to get your free annual credit reports. This right is guaranteed by Federal law. 

To verify that this is the official site, you can check www.consumerfinance.gov/askcfpb/311/how-do-i-get-a-copy-of-my-credit-report.html.

Don't be fooled by look-alike sites. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Don't come to this site by clicking on a link in another site or in an email.

This site is maintained by Central Source, LLC. Central Source, LLC is sponsored by Equifax, Experian and TransUnion so you have a single site where you can ask for all three of your free credit reports.

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 come in all kinds of shapes, sizes, constitutions, muscularity, complexions, skin tones and levels of hardiness.  Some of you do well in the sun and may even flourish in it.  Others can be strongly affected by the UV rays after only a short stay outside.

Yesterday, we talked a little about why baby boomers need sunscreen to block the UVA and UVB rays and the basics of SPF  in making your product selections.  

The bottom line is that selecting the proper sunscreen can be a chore.

Before diving into the sea of choices let me make it completely clear that everyone needs some sort of protection when spending time in the sun.  No one is immune to the effects of extended exposure.

Are some sunscreens better than others?

That goes without saying.

Like any other consumer good offered on the open market, there will be knock-offs that look good but are actually weak imitations of the products they are trying to imitate on the shelf.

And on the flip side, there will be high priced, flashy products lush with sexy moisturizing and youth enhancing promises that perform worse than generic sunscreens.

There are both good and bad chemicals used in the formulations of different sunscreens.  There are also good and bad properties to watch out for as well when choosing which sunscreen is right for you.

So let’s begin with what the experts recommend.

Dermatologists strongly recommend that everyone (no matter what skin type) who spends any time outside, no matter where they live, use a sunscreen with at least and SPF 15 or greater year-round.

If you are outside, you are always in the sun right?

If you are fair skinned you should consider boosting your choice to an SPF of 30 year round.  Everyone else should consider using SPF 30 as well in the summer months.

As a reminder, products with a 30 SPF will block 97% of the sun’s harmful rays.

You can choose to use higher SPF products if they make you feel better but remember that products with higher SPF ratings will only block slightly more of the sun’s rays.  If used diligently and according to manufacturer’s instructions, products with a 30 SPF rating are probably the most effective overall from a cost standpoint.

If you are unsure, my advice is simple: Don’t take any chances.

So, what else do dermatologists say to look for in your sunscreen products?

Most sunscreens come in one of five forms:  cream, lotion, oil, gel or spray.

What you use is really a matter of choice as long as the SPF is sufficient but keep in mind that, in general, most oils and especially sprays do not contain sufficient amounts of UV protection like the lotions and creams do.

In most cases, the creams will offer the best protection because they not only have ingredients in them that offer higher SPF levels but they are thicker and thus afford a good degree of opacity to block ultraviolet rays as well.

Look for products that contain one or more of the following ingredients to get “broad spectrum” protection against both UVA and UVB rays:

  • zinc oxide
  • titanium dioxide
  • avobenzone
  • mexoryl

Some of us baby boomers grew up with sunscreens that contained first generation PABA or para-aminobenzoic acids.

While PABA is still considered an effective UVB protector some research has found that some people's skin is sensitive to PABA and it also can cause staining of clothing.

Today, through the miracles of modern technology, there are refined PABA ingredients in sunscreens that protect against UVB radiation.

Beside PABA, some other effective UVB absorbers to look for in the ingredients lists are salicylates and cinnamates.

Regardless of the composition of the sunscreen you plan to use, note that all sunscreens need to be reapplied generously during your stay in the sun.  Creams and lotions will last the longest but they are thicker and stickier but folks generally find them annoying to apply.  So what, they work best.  Slather them on and let people know you are smart.

The spray, oil and gel sunscreens tend to wear off in the water or sweat off and should be reapplied more frequently.

As a rule of thumb, expensive sunscreens are not necessarily the best.

How much should you use?

A good rule of thumb is to apply a “shot glass” full every two hours depending on your activity level.

And don’t think you can get away with not using sunscreen on cloudy days.

Wrongo !

Cloudy skies offer very little protection from the sun.  Up to 80% of the sun's UV rays pass through clouds and fog.

I’m sure it goes without saying (but I will anyway) that you should be extra careful when you are in the water or on snow.  These will magnify the effects of the sun’s harming effects.

Men, especially those who are getting thin on top, should always wear a hat outside.  There is nothing to benefit from broiling your bean.

Start a new fashion trend like Walter White or Justin Bieber (OK, bad examples) by wearing a signature topper.

It’s not a bad idea to wear loose fitting clothes that cover and use an umbrella for shade where you can.

So, are there some harmful or dangerous ingredients to look out for when shopping for sunscreen?

Yes and here is a list of ingredients to look for.

These chemicals are designed to reflect and/or absorb UV rays, reduce the effects of aging, speed absorption or improve product performance.  In most cases, they cause more harm that offsets any benefit they are designed for.

Some are absorbed rapidly and accumulate in our systems faster than we can get rid of them.  They can reach toxic levels, disrupt hormone levels, damage skin cells and cause mutations and even cancers.  Some accentuate the aging process by absorbing even greater levels of UV rays producing dangerous free radicals that damage skin.

They are all generally toxic to the environment.



Paraben Preservatives

Octinoxate Retinyl Palmitate (Vitamin A Palmitate)


If you want to read more about these particular products check out the Skin Cancer Foundation  website at http://www.skincancer.org/.

So, when it’s all said and done what are the top sunscreen products to be looking for to prepare for your summer adventures?

Here’s a sneak peak at Consumer Reports findings on top performing sunscreen products.


  1. “Coppertone  Water Babies” with  SPF 50 is judged the best performing lotion overall. 
  2. Walmart came in second with their generic  “Equate Ultra Protection” also with SPF 50.
  3. Neutrogena “Ultimate Sport” with  SPF 70-plus was also rated highly.


  1. “BullFrog WaterArmor Sport InstaCool” was chosen as the top performing spray.  It also has a SPF 50 rating.
  2. The Target generic  spray brand  “Up & Up Sport” with SPF 50 was second.. 
  3. “Banana Boat Ultra Defense Max Skin Protection” with SPF 110 is rated as a high performance spray.

So, baby Boomers, if your plan this summer is to be found “Dancin in the Street” along with Martha Reeves then make sure to stay covered up the best you can and wear lots of good sunscreen in places that are exposed to the sun.

I know it’s easy to get overwhelmed by all of the sunscreen options on store shelves.

Here’s a quick guide to help you through

SPF 30           GOOD

Broad Spectrum UVA and UVB Protection    GOOD

Heavy Creams and Lotions     GOOD

Titanium Dioxide and Zinc Oxide      GOOD

Apply Shot glass Full Every 2 Hours     GOOD

Wearing Speedos and Bikinis with no sun protection     BAD !!!

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...............................and leave comments !!

Baby Boomers........

Do you remember the song “Dancing in the Street” by Martha and the Vandellas?

Sure you do.

“Callin' out around the world, are you ready for a brand new beat?
Summer's here and the time is right for dancin' in the street.

Oh it doesn't matter what you wear, just as long as you are there”

It’s a great song but I beg of you don’t listen to what the words are telling you.  Yes, it’s summertime but if you are going to be out in the street dancing then please take some precautions.

Wear some sunscreen people……and clothes!

Especially at our age.

If you have avoided any skin issues up until this point then count yourself lucky.

Did you know that sunlight is considered one of the biggest culprits found on the FDA’s list of worst carcinogens?  That’s right; our best source for vitamin D is a real party killer if we aren't careful.

If you are anything like me, you don’t think you need any protection from the sun unless you will be outside for prolonged periods of time at the beach, park or swimming pool.  Then you just slap on some sunscreen (when you think about it) before heading out and figure you are safe for the day.

After 50 years of running around this big rock that is circling the huge fireball we call the sun, I have found out that I know very little about skin care.  I especially know way too little about the proper sunscreens to be using to protect myself and my darling grandchildren.

That ends today.

First, let’s talk about sunburn and how that occurs.

The sun is a tricky character. 

Picture this:  You walk out in the middle of the street (look both ways please before you start dancin') raise your arms and bask in the glorious and soothing heat.  It feels so wonderful baking your old bones.  You first think that it’s the bright fire of the sun that is soaking into your body and feels so good.  

Wrong, that’s just visible light.

What is doing the “baby boomer bake” on your skin is the UVA and UVB or ultraviolet rays emitted by the sun.  You can’t see them with the naked eye and that is what makes them so dangerous.

That's why you get sunburned so easy.

So, what’s the difference between the UVA and UVB rays?

Is one a little bit smarter than the other?

No, not really.

The basic difference is how deep the rays can penetrate the layers of your skin and how much damage they can do to your skin cell structures.  UVA rays are always present, rain or shine, summer and winter no matter what the climate, season or weather.  They are the powerful rays that can penetrate deeply through your clothes and many layers of skin.  They react with individual cells to alter them causing premature aging, old age spots and that wonderfully sexy brown leather skin look you find on aging socialites that have retired on famous made-for-TV beaches in the Mediterranean.

UVB rays, on the other hand, are not as muscular as the UVA rays but their shorter waves are the main culprit when it comes to causing sunburn and skin cancers.  They only affect the upper layers of the skin "burning" cells and causing your skin to turn painfully red.

Both types of ultraviolet rays are bad for you in excess and you should always use protection that is formulated to protect you against the combination.

Second, let’s talk about what SPF means.

If you find yourself staring at the shelves in the skin care aisle of Walgreen's in wonderment at all of the different and varied battles, cans and tubes of sun protection options you are not alone.

SPF stands for “Sun Protection Factor” and the hundreds of different bottles on the shelves can range from a factor of 2 all the way up to 100.

The SPF is a government developed and sanctioned rating of a products ability to screen or block the harmful UVA and UVB rays from penetrating your precious skin.  On the surface, this means that if you are wearing a sunscreen product with an SPF of 30 that means you can stay out in the sunlight 30 times longer than if you were not wearing any sunscreen at all.

Unfortunately, this SPF rating sounds kind of arbitrary doesn't it?

Well, you are absolutely right.

Not all sunscreens with the same SPF are created or perform the same way.  In fact, next month Consumer Reports will be publishing a report on sunscreen performance specifically targeting whether or not products protect your skin to the proscribed level found on the labels.

They found that over 10% of the brands tested were overly aggressive in their SPF ratings.

There are a couple of very important facts that baby boomers need to understand when it comes to wearing sunscreen.

1.      SPF protection does not improve proportionally as the rating increases on the label.  For example, a product with an SPF of 30 does not give twice the protection as a product with an SPF of 15.  

2.      There is a law of diminishing returns when it comes to SPF protection.  Basically you get most of your protection from the UVA and UVB rays with a 30 SPF sunscreen product.  

Here’s the skinny

A minimal sunscreen with a SPF of 2 will block around 50% of the sun’s UV rays. 

A good sunscreen with a SPF rating of 15 will block up to 93% and a better sunscreen with an SPF of 30 will block up to 97%.

There is no sunscreen yet that can block all 100% of the sun’s ultraviolet rays.

I know that selecting the proper sunscreen can be difficult.

Check back tomorrow for some tips that may help you in making your selections easier.

I’ll answer a few questions about the good and bad chemicals found in some sunscreens.

I will also post the Consumer Reports top performing products.

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

PictureBoomerplaces.com is "Plugged In"
Baby Boomers,

Are you "plugged in?"

Do you spend at least 27 hours per week on the internet?

Why would I use such a specific number?

Because in a 2012 research study by WSL Strategic Retail, they found that Baby Boomers spend 2 hours more a week online than the 25 hours Millennials (ages 16 to 34) do on average.

Who would have thought?

Do you have a Google+ and/or Facebook profile?

I bet you do.

Once thought to be the bastion of the fast paced youth of what I like to call the "microwave" generation, Twitter is quickly becoming second nature to Baby Boomers.

Those of us who love to live our lives at "140 characters at a time" tweet an average of 15 times a day.

Why do I bring this up and why am I asking you these questions?

Because my website and I were featured in a news article by Georgann Yara in the Arizona Republic newspaper titled "Plugged In Boomers."

I guess I really didn't realize, until I saw my name in print, that I am a "Plugged In" Boomer.

And do you know what?

I'm damn proud of that title.

As Georgann concludes from her research:

 "No longer is a computer an intimidating piece of complicated cutting-edge hardware."

Hell no, it isn't.

In fact,  your computer has probably become your most important work and social engagement tool.

The internet is the new "Encyclopedia Brittanica" of the Baby Boomer generation.

We are recreating and restructuring our retirement plans online.

We are scheduling and planning our vacations and travel online.

We are building (in most cases, rebuilding) our financial portfolios ourselves through "hands-on" investment and stock trading sites online.

We don't make a move on any "big ticket" purchases without first doing our research online.

We are building new careers and "Encore" businesses online.

We control and administrate our health online.

We are dating online.

And I bet, more and more Baby Boomers, like me, will be doing their Christmas shopping this year online.


If you don't believe me, look at these research results from a multitude of prestigious and well-respected organizations:

  • One-third of the 195.3 million internet users in the U.S., adults aged 50+ represent the Web's largest constituency (Jupiter Research).
  • Two-thirds of Americans 50+ buy from e-retailers online (Pew).
  • 89% of seniors 65+ have personal email and use it regularly (Nielsen).
  • 72% of baby boomers have broadband internet in their homes (ThirdAge and JWT Boom).
  • 44% of smartphone owners age 50+ access the Internet or check email daily from their device (Pew).
  • 19 million Baby Boomers are using Facebook (comScore).
  • Adults 50+ spend an average of $7 billion online annually (SeniorNet).
  • 72% of adults 55-63 and even 47% age 73+ shop online (Forrester).
  • 41% of internet users 50-64 and 27% age 65+ say they watch videos online (Pew).
  • 42% of all travel industry purchases happen online, and adults 50+ account for 80% of all luxury travel spending (Pew Internet and American Life Project).
  • 82% of adults aged 50+ who use the Internet research health and wellness information online (Pew Internet and American Life Project).
  • The top four online websites for people over 60 are Google, Facebook, Yahoo and YouTube (AARP).
  • 65% of all adult Internet users engage in social media. In 2011, Baby Boomers increased their usage of social media by 60% (WSL/Strategic Retail).

To me, my computer (and laptop and iPad and smart phone) and the internet are second nature.

I probably spend 50 to 60 hours a week online.

When I asked fellow Baby Boomers what they thought triggered this quick reversal in engagement with the internet, the resounding response has been "familiarity."

They made it clear that their increasing interaction with technology and the world wide web has taught them how to disseminate between the "fluff" and the facts.

Most 50+ users are not afraid to admit that they were, at the beginning, afraid of the power and immensity of the internet.

It scared them because they didn't understand it.

Now you can hear Baby Boomers say "We can control the information we need" and "We know how to work the system."

Some go as far as to say: 

"We trust the internet."

I'm going out on a limb to say that when we look back at this blog in a few years we will laugh at it's naivete.

Baby Boomers and technology will be a "non-issue."

In 5 years, we will be way beyond "plugged in." 

If you want to read Georgann's entire article in the Arizona Republic just click this link:

Read More...........

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,

Don't you agree that today is another magnificent day in paradise?

Sometimes, I am amazed at how blessed we are to wake up each and every day on this wonderful planet with all of it's beauty and stunning opportunities just waiting for us to take advantage of them.

So, let's get something right out in the open first.  

My friends think I am strange, my family thinks I'm a bit peculiar, people I do business with think I'm a little bit offbeat and the reaction of people on the street that I meet for the first time is: "this guy is a really unusual and weird."

Why is this?

Because 90% of everything I do involves using a "discount" or "deal-of-the-day:"coupon.  I like to save money. I work hard for my money and really hate to waste any.  So, I won't eat out at a restaurant, book a trip, see a concert, watch a ball game, visit a museum or get a message without knowing that I am getting at least a 40% discount.

Does that sound cheap to you?

Let's face it, everyone loves a great deal.

Thanks to the ability of the Internet to create the world's most ultra competitive marketplace, there are literally hundreds of websites offering deep discounts on everything from golf games and hot air balloon trips to wine and even hypnotherapy sessions. 

A little research and time spent signing up for their emails will get you the best prices available.

Some of these websites: Groupon, Local Flavor, Living Social, etc offer a "Deal of the Day which sometimes runs for a specified period of time or until a certain amount of the discount coupons are purchased.

They are usually good to use for several months from the time you purchase them online.

An added benefit is, if you find you haven't redeemed the coupon it is still worth what you paid for it when originally purchased. 

Say you found a coupon for a $40 meal for only $20 at your favorite Mexican Restaurant.  You didn’t notice that it expired April 1, 2015. Well, you can still bring the coupon to the restaurant at any time and redeem if for the original $20 you paid for it.    You lose absolutely nothing by purchasing these discount coupons. 

Can that be right? 

What is this world coming to? 

Pretty soon we will be seeing acts of friendship and kindness of biblical proportions, people will be dancing in the streets,cats will be playing with dogs, complete mayhem, total anarchy.... you get the point if there is one.

Many of these website programs are national and offer national products but they can be targeted by you for your local city or even zip code. 

Over the past couple of years here are some of the deals I have taken advantage of:


50% off or more at local restaurants

 I'm talking good ones too like family restaurants, high end steak houses, bar-b-que places, pubs, bars and even fast food restaurants. 

Folks living in the Phoenix metropolitan area will recognize names like The Wrigley Mansion, Dillon's, Taps, Studio Movie Grill, Dickie's Bar-B-Que, My Big Fat Greek Restaurant, Manny's Mexican Restaurant, Rosati's Pizza, Long Wong's and Sal's Tuscan Grill. 

I'm sure that the list of restaurants that are utilizing discount coupon sites in your town is just as extensive.

I carry my coupons in my car wherever I go in a nice little black plastic pouch that sits snugly in the side of my seat so if we are trying to decide on a place to eat I have a handful of money saving suggestions at all times. 

That's not unusual or peculiar is it?  

Even when I travel on vacation or for business, I stock up before leaving on coupons for the local restaurants in the areas I will be visiting. 

Who says you can't save a little money when traveling?

70% off on travel

This includes specials at hotels, resorts, wineries, etc.

In the last 12 month's I  have used discounts in New Orleans, Los Angeles, Key West, Ft. Lauderdale and Miami Beach, FL. 

Locally, in Arizona, I have saved over 50% at resorts/hotels like the Hassayampa Inn in Prescott, the Biltmore Hotel, Talking Stick Resort and Wild Horse Pass in Phoenix and the Hotel La More in Bisbee. 

I recently used a promotion from DealChicken.com to stay 2 nights at the Porto Vista Hotel in beautiful Little Italy in downtown San Diego.  The street value of the stay was $482.00 but we stayed for $129.00.

50% or more off of entertainment

This includes incredible deals like a day at Dolce Spa or an hour session with Jonnata Mata at Mind Over Matter Hypnotherapy

Nothing beats a lazy afternoon at the old ballpark watching Spring Training games.

I saw a half dozen in March all at half price or better. 

I will never again pay full price for tickets to see our major sports team in Phoenix like theArizona Rattlers Arena Football games, Phoenix Suns NBA games, Phoenix Coyotes NHL games or even college games at Arizona State University. 

I have seen the Phoenix Symphony and even the stage show of Monty Python's Spamalot at the Comerica Theater. 

So,  it bears repeating.......get on board and start saving some money.

Keep those retirement funds where they belong...in those off-seas bank accounts we prefer not to talk about.  

Use these "fun coupons" wherever you go.

Another  popular money saving program that has grown in popularity recently is  the internet shopping "Deal of the Day".

There are dedicated sites that are devoted to selling a single product at a highly reduced price for a 24-hour period.

These include websites selling clothes, trips, wines, sporting goods, even appliances and home furnishings.

Many major retailers have adopted this strategy for their websites as well.

Take a look atWoot, Amazon, Ebay, Overstock.com and even Big Lots.

The bottom line here is to spend a few minutes getting signed up to these programs.

I can assure you that I have experienced absolutely no adverse consequences from supplying my personal information to these sites.

They send you the emails with each new offer.

They are absolutely free.

You can stop the subscriptions at any time.

So, start saving tons of money and then start planning your fun.

Below is a list of the most popular programs I know of or have heard of. 

They are in no particular order and I'm sure there are hundreds' more out there geared towards your neighborhood or tastes. 

When looking them up either Google them or just add a .com after the primary name below. 

Good hunting and have fun saving. 

When you find yourself saving sooooo much money and if you truly feel the need to part with some of your savings, feel free to contact me and we'll figure out an easy way ( this is a shameless plug to use the PayPal donate buttons you find throughout my website pages) for you to send this money to me. 

I hope you enjoyed my suggestions. If you have a second, please make sure to add your tips, ideas and suggestions in the "COMMENTS" section below.

I would love to hear about your "money saving" experiences, what coupon programs are your favorites and how you save money on restaurants, events and travel.

This blog is a two way street and I really do enjoy getting comments and suggestions from you.



Living Social

CBS Local Offers

Local Flavor


Woot (Including wine Woot, shirt Woot, kids Woot)























OzarkDailyDeals (This one is for my Grandkids out in Missouri)

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,

Have you ever seen this telephone number pop up on your phone?

(845) 842-1177

This is a "Spoofed" phone number.

Over the last couple of weeks I have received at least 25 calls from this number.  I never answered because I don't answer numbers that I don't have in my address book.

I have over 400 names listed in my Droid address book.  If you are not in my phone book then chances are I don't want to speak with you.  
If the call is so important, the caller will leave a message and then I might call them back.  If it's worth it, I will add the new number to my address list.

That's what I do.

That's "how I roll."

How about you?

Are you cautious in how you treat incoming calls?

Well, I finally answered a call from (845) 842-1177 and guess what?

It was a telemarketer.  He wanted to sell me pet supplies.  I don't have a pet.  Nicely, I asked him to remove me from his calling list.  He continued to try and sell me pet supplies.

Not so nicely, I asked him to remove me from his calling list.  I think I hurt his feelings.

Should I care?

So I decided to do some research on this number to see what was really happening in the background to share with you.

(845) 842 - 1177 is a "spoofed" number.

Sounds like fun doesn't it?

It's not.

Actually, a "spoofed" number is a technological wonder of the modern computer age.

Here's what happens.......................

A unscrupulous telemarketer (is there any other kind?) purchases (or hacks) a telephone list from a reputable company.  They set up shop in a steamy, dark, abandoned warehouse somewhere in a run down industrial neighborhood in a major metropolitan area. They hired poor, off-their-luck indigents to make calls to unsuspecting people all over the country. These destitute and impoverished phone jockeys are given scripts to read from in order to sell you a product or service you do not need. It is a contest to see who will break first. You listen to their "spiel" and buy their product, the phone jockey wins and receives a small stipend for his enormous amount of effort.

You ask to be removed from the call list and threaten to report the number to the Attorney General's Office the phone jockey loses and he moves on to his next number.

Has this ever happened to you?

At the very least an inordinate amount of psychological energy is expended in these phone battles.

But the totally cool part of this transaction is that you have no idea where this phone call came from.

In order to maintain anonymity and stay one step ahead of the authorities, the telemarketers purchase (or hack) a computer program
that  "tricked" your caller ID into displaying an incorrect phone number.

You get "spoofed."

Is that creative or what?

But can this get even worse?

In this day and age of computer wizardry....Heck Yes.

The telemarketers don't even have to use their own "spoofing" software.  They can rely on the expertise of their favorite neighborhood "spoofing service" to do their dirty work.

That's right, you can find your very own "spoofing service" on line.

The telemarketers hook up with these companies, supply them with the n
umbers they want called and give them a fake number (and sometimes name) for themselves that they want to appear on the target’s Caller ID.

The "spoofing service" then
places the misleading info into the Caller ID system.  Making matters worse, "spoofing" services are readily available over the internet, and they are disturbingly cheap.

ne of the most popular, Spoofcard.com, charges only $10 for 60 minutes of call time.

Do you sometimes feel like you are being scammed like Dorothy in the Wizard of Oz?

"Pay no attention to the man behind the curtain".

Like the "Great OZ" these "spoofers" can convince you that you are getting calls from just about anyone from the Pope to
Julian Assange.

Can anyone do this?

Do you have to ask?

This is the United States, land of entrepreneurial spirit and the free market system.


It's so easy it's scary.

I read that i
n 2006, Paris Hilton was using Spoofcard to send evil and nasty messages to her arch rival Lindsay Lohan and her friends.

It got so bad that Spoofcard had to suspend her account.

I imagine if Paris Hilton can navigate this type of scam, any human being (or anthropoid for that matter) with a preschool education can.


Honestly, this activity can be dangerous and alarming.

For instance, some of the more creative and sinister scam artists are beginning to use spoofing to trick people into giving up their credit card information, posing as representatives of the victim’s credit company, and having the Caller ID to “prove” it.

Do you see where I am going with this?

Don't believe everything you see, especially a caller ID name.

Is there anything you can do to combat this predatory behavior?

Well, there are a couple of actions you can take to reduce the amount of "spoofing" in your lives.

1. Once you figure out that you have been "spoofed", ask to be removed from the said calling list or ask to be put on their "do not call" list.  That may not solve anything but legally the telemarketer is required by national law to accommodate you.

The Truth in Caller ID Act of 2009, which was signed into law Dec. 22, 2010, prohibits caller ID spoofing for the purposes of defrauding or otherwise causing harm. In June 2010, the Federal Communications Commission adopted rules implementing the Truth in Caller ID Act bill to make it illegal.

3. Write down the name and number and add it to public "watchdog" websites like "CallerComplaints.com."  You can see my addition by clicking on this link: 


4. If all else fails, get yourself a 1-800 number and hook up with your neighborhood "spoofer" and have some fun calling every telemarketer you can find and try to sell them a training class on ethics and good behavior.

Here are 3 great tips that I found on the FCC (Federal Communications Commission) website that will help you avoid troublesome telemarketers and save you from exposing yourselves to their scams.

  • Don’t give out personal information in response to an incoming call. Identity thieves are clever – they often pose as representatives of banks, credit card companies, creditors, or government agencies to get people to reveal their account numbers, Social Security numbers, mother’s maiden names, passwords and other identifying information.
  • If you get an inquiry from a company or government agency seeking personal information, don’t provide it. Instead, hang up and call the phone number on your account statement, in the phone book, or on the company’s or government agency’s website to find out if the entity that supposedly called you actually needs the requested information from you.
  • Please let the FCC know about ID spoofers by calling 1-888-CALL-FCC or filing a complaint at www.fcc.gov/complaints.

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, 

Are you "Happy?"

Don't take this the wrong way or look upon me unkindly but every morning I wake up I am really freaking "Happy."

My life may not be exactly what I want (yet).

My health is not perfect.

My finances are not to the point where I can retire without watching what I am doing.

But I am "Happy."

Certifiably, assuredly, unquestionably, indisputably and without a doubt "Happy."

I often wonder why.

Are you "Happy?"

Do you know why?

I get a ton of emails (my choice) from a million different
sources with a multitude of assorted messages.

One that caught my eye this morning is fromJune Silney, a new "life hack"

Do you know why it caught my eye?

Because it talked about being "Happy."

Have you ever noticed that some people are innately "Happy?"

They are born that way.


But there are others who wouldn't be "Happy" if you gave them everything they wanted on a silver platter and then some.

What causes "Happy?"

Let's dedicate a few minutes to this topic.

Here are 5 interesting facts about happiness that you might find very surprising.  Hopefully they will help you make sense of what I am talking about.

5 Interesting Facts About Happiness

1. Happiness is a life-long pursuit

Even if you are one of those lucky folks that are born happy it's not something you can choose to ignore.  Happiness needs to be nurtured, fed and grown.  Sure, everyone experiences some degree of short term happiness in their lives whether it's from school or work achievements, life celebrations (birthdays, weddings, anniversaries, etc.) or pleasurable experiences like vacations or holidays.

But most folks treat these as temporary moments.  They are not "Happy" until the next diversion comes along.

Staying "Happy" actually requires some work and that never ends.  You have to recognize that you are at your best when you are "Happy" so you have to concentrate on finding happiness where you can.

If it doesn't come easy to you try harder.

Live each day as "Happy" as you can.

You know what they say: "A day without happiness is a day........................

2.  Happiness is a choice

There are may times in your life when your happiness will be tested.  
If there is one thing us Baby Boomers have learned as we have gotten older is "nothing is perfect."  But it is up to you to make the right decisions and
often they are tough choices.

When you wake up in the morning and face a
list a mile long of things that need to be done at work, then pick off a handful of the priorities and get them completed.  The satisfaction of getting them finished will make you "Happy."

If you had a fight with your spouse the night before and you want to be angry, make the decision to apologize and talk it out.

That will make you "Happy."

If you look into the mirror and see a little too much "gut" hanging over your pants then go take a walk.  Just the idea that you are doing something to improve your health will make you "Happy."

When given a choice, make the decision that will bring you the most happiness.

3.  Happiness is a skill

When life hands you lemons you know you can still make lemonade. The first step in being "Happy" is to learn which behaviors make you "Happy."

Do you ever just catch yourself smiling?  Figure out why you are smiling and continue to reinforce that behavior.

When dealing with repetitive tasks in life do you find that one way of tackling them brings more happiness than others?  Then continue to build on those habits.

Plan to be "Happy" just like you would plan a presentation at work or a family vacation.  Create a lifestyle template that directs you toward "Happy" choices and helps you develop "Happy" behaviors.

4.  Happiness is contagious. 

It is a proven fact.

Have you ever been watching a TV show or around friends where everyone is laughing uncontrollably and for some strange reason you can't help but laugh as well.  You may not even know why you are laughing.  It's because your body, your soul, your psyche knows that you need to laugh and you need to be "Happy."

Everybody does.

We are all connected.  How others feel affects our mood.  How we feel affects how others feel about us.  When you are "Happy" others around you get "Happy" too.

Take some time to smile at the people you meet today.

If you make eye contact, I bet they will smile back.

5.  Happiness gets better with age

Again, it's a proven fact.

There are numerous studies on Baby Boomer psychology that have found that the older you
get, the happier you become.   Experts have discovered that seniors tend to remember the good times more than bad ones.

Baby Boomers are better equipped to seek out choices and behaviors that make them "Happy."  
Everyone knows that "Happy" people live longer.

So start simple.

  • Learn to tell a joke.
  • Buy a dog.
  • Go dancing.
  • Have sex.
  • Get together with a "Happy" friend.

Happiness is simple.

Get "Happy" and
you’ll live longer.

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 when shopping malls first came on the scene?  What a fantastic modern day invention.  Let's take a stroll down memory lane.

It was Sunday afternoon.  Everyone would gather into the family station wagon anticipating a day of window shopping, fun treats and indoor excitement.  It was almost like a short vacation.  

You would visit exotic locations like "Montgomery Ward"s, "Famous-Barr", "Marshall Field's" and "Goldblatt's".  There were stores....so many stores. Stores that had everything.  You could buy shoes at "Thom McAn", suits at "Robert Hall", sporting goods at "Oshman's", toys at "Kiddie City" and virtually anything imaginable at "Service Merchandise". 

The very first shopping mall opened was the "Country Club Plaza", founded by the J.C. Nichols Company which opened outside of Kansas City, Missouri in 1922. I know that's before our time, but it gives you an idea of how long they have been around.  

Check out the little slide show below for a nostalgic walk through shopping mall history.........

The first totally enclosed mall was called "Southdale" and it opened outside of Minneapolis, Minnesota in 1956 the year I was born.  In the 1980's, what we called giant "Mega-malls" began springing up around the country.    Do you remember?

In 1977, "Rockaway Townsquare Mall" was opened in Rockaway Township, New Jersey.  One visit and you would say "Fahgettaboudit."  Rockaway, which is still open today, was  a two-level super regional shopping mall.  It had a marble floored center court, an expansive food court and even a glass elevator.  The mall covered a total area of almost 1,500,000 ft². Can you image?  It took all day to walk the place.

In 1980, the "Sherman Oaks Mega Mall" opens near Chicago, Illinois - it was the start of "Galleria Shopping."  

And, the "West Edmonton Mall" in Alberta, Canada, opened in 1981 - with more than 800 stores and a hotel, amusement park, miniature-golf course, church, water park for sunbathing and surfing, a zoo and a 438-foot-long lake.

Shopping and the structures that held these wonders were incredible.....and getting bigger and more extravagant every year.  Where will the future of mall shopping end up?  

In China.  Check out the video below of the new shopping center in Chengdu, China.  The only way to describe it is .  It is the largest single structure in the world.

Who's says the age of mall shopping is dead?

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

Are there any other Baby Boomers out there, like me, that have been married and divorced a couple of times?  I don't think it's out of the ordinary any more.  In fact, it seems to have become a common trait of our generation.

I have been married and divorced twice.   I know it's probably not one of my most admirable achievements to underscore and I know I have not been the most incredibly perfect role model for my children.  But who wants to be Ward Cleaver anyway?

You know what?  Even though I have been through 2 divorces, I don't consider my marriages as "failed."  In fact, they were great experiences. I believe both myself and my ex-wives are better people because of what we experienced and shared together and even more so because of what we have achieved separately afterwards.  We remained good friends.  I think we understand that what we shared in our marriage was good and although it came apart on some levels, we could still have a positive relationship without guilt or blame.

In a way, my 2 divorces have been excellent examples for my children. Don't do what I have done but if you do build on your mistakes.  But most people are not as lucky as me. They may not be able to carry on civil relationships with their ex-spouses.  There may have been too much damage for them. There could have been too much incompatibility.  Maybe, there was too much family pressure, spiritual differences or financial hardship.   There are a myriad of reasons why marriages fail and trust me, they are all complicated.

My friend, Certified Divorce Financial Analyst and trained Mediator, Nancy Hetrick recently wrote an intriguing article that I would like to share with you about one of those complications that can bring a marriage to the edge of collapse: "Infidelity."  But, it's not a betrayal of the typical sort, that you would normally think happens in a relationship but it does.  In our Baby Boomer generation, where most of us experience job security, solid incomes and a secure economic future, money problems seldom become a concern in marriage.  But you will see that it does as Nancy talks about the painful reality of "Financial infidelity." 

"Marriage is challenging in many different ways but if dishonesty is in the mix, it can be disastrous.  Trust must be the foundation of any good relationship and erosion of trust will destroy a marriage at record speed.  When we talk about infidelity, most people’s thoughts immediately turn to the cheating spouse who’s taken a lover.  

But there’s another, more subtle and potentially even more devastating, infidelity that is often overlooked.  Financial Infidelity can show up in a wide variety of ways and can range from minor offenses like that credit card he doesn’t know about to far more serious deceptions like filtering money to family members over many years to siphon off a personal nest egg from marital assets. 

How do you know if it might be happening to you?" 

There are 5 signs that you should watch for:

READ MORE........................

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