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Baby Boomers,

Do you consider yourself a "positive" person?

Do you have a "glass half full" attitude about life?

Countless studies have shown that there is a strong correlation between staying positive and your overall health.

Researchers have concluded that this relationship happens because staying positive helps mitigate and eliminate the effects of stress. 

Stress, as you know can lead to a variety of ailments such as weight gain, inflammation, insomnia, headaches and fatigue. 

Today, I am bringing you a guest blog from Jacob Edward, who is the Manager of Prime Medical Alert and Senior Planning in Phoenix, Arizona. 

Jacob is an expert on helping seniors throughout Arizona find senior living, care-giving and other vital services needed to make their lives manageable.

He experiences both positive and negative attitudes every day through his work with senior citizens.

Some of his clients come prepared with a positive game-plan on how they want to spend their "golden years."

Unfortunately, the majority of his clients have no solid direction, are very stressed and are coming to him looking for professional direction.

As Baby Boomers, we may not be ready for advanced care-giving or senior living yet, but it never hurts to prepare for our future.

In his article below, Jacob discusses some studies on positive thinkers who are more adept in dealing with stress.

These studies indicate that  the effects of the stress aren't as long lasting on the positive individuals.


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The Benefits of Staying Positive
                                             by Jacob Edward


Positive Vs. Negative

During a drastic change in a person’s life, especially a change that affects us adversely, it is very difficult to stay positive and stress is the result. 

These events can include losing a job, missing a mortgage payment, or being diagnosed with a chronic illness. 

The difference between a positive and a negative thinker is that the positive thinker focuses on what they can change rather than what they can’t. 

The positive thinker believes they can actually make the change and works little by little until they finally achieve their desired goal.


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A Correlation Between Attitude and Health

A famous long-term study conducted by Harvard researchers focused on the 1944-1945 graduating class members. 

The researchers created a survey and had the class members answer the questions.

 After the class was done answering the questions, the researchers rated the questions from positive to negative. 

They found a very strong correlation between the positive and negative responses of the classmates and their overall health. 

Those who had always been positive and those who changed from negative to positive in their early adulthood fared the best. 

However, those that changed from positive to negative in their early adulthood and those who remained negative throughout the study fared the worst in regards to overall health and health related ailments. 


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Why Does Pessimism Lead to Harmful Health Consequences?

After looking at the above study, you may be wondering, what was the cause of these health issues? 

As you may know, when the body is stressed it produces a hormone called Cortisol

Cortisol was one of the original hormones that kept our early ancestors alive. 

It is commonly referred to as the "fight or flight" response. 

The problem is that Cortisol can be released when we are not in a life or death peril. 

A simple confrontation with a co-worker can cause the body to produce Cortisol. 

According the Mayo Clinic, when Cortisol is elevated in the body for a long period of time, the immune function is lowered, bone density is negatively affected, heart disease is more prevalent and ailments such as diabetes and heart disease can be the result. 


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Positive Thinking Case Study

One last famous study worth mentioning is the study performed by Dr. Dennis Charney, the Dean of Mount Sinai School of Medicine. 

In this study, Dr. Charney surveyed 750 Vietnam War veterans and had them list qualities that best described themselves. 

He was trying to determine the major differences between the veterans who did not develop "Post-Traumatic Stress Disorder" and the veterans who developed PTSD

All of the veterans who did not develop PTSD had placed "optimism" at the top of their lists.

This was the complete inverse to the other veterans plagued with PTSD.

Additionally, the positive veterans rated themselves with high degrees of humor, selflessness, a belief in a higher power and the fact that there was meaning behind their lives – all part of a positive overall outlook.


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


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Jacob Edward is the manager of Prime Medical Alert and Senior Planning in Phoenix Arizona. Jacob founded both companies in 2007 and has helped many Arizona seniors and their families navigate the process of long term care planning. Senior Planning provides assistance to seniors and the disabled finding and arranging long-term care and Veteran's benefits such as aid and attendance, as well as applying for other state and federal benefits. In his spare time, Jacob enjoys dining out and supporting his Alma Mater Arizona State's Sun Devil sports teams. Jacob lives in Tempe, Arizona.


 
 
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Baby Boomers,

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

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

That’s just life.

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

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

So, taking care of your mouth is extremely important.


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

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

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

So why am I bringing this up today? 

Because today is my quarterly checkup at the Dentist. 

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

I brush twice a day at least.  

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

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

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

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


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Dental Care for and Dentist Advice for People Over 50


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

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

1.  Tooth Decay and Cavities


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

That's scary sh*t huh?

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

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

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


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2,  Bruxism – Teeth Grinding

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

More scary sh*t huh?

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

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

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

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

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

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


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3.  Periodontal/Gum Disease

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

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

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

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

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

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

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


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4.  Oral Cancer

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

What can I say but OMG !!

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

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

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


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

I have an oral cancer screening every year.

You should too.


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5.  Dry Mouth – Xerostemia

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

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

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

Declining saliva flow is a normal part of aging. 

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

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

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

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

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

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

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

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


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

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

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

It's easy to tell them about it.

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

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

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

                                                                                       

 





 
 
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Baby Boomers,

Have you purchased a PC or laptop in the past couple of years?

To me, one of the biggest "pains in the butt" is dealing with the temporary office programs installed on them.

Depending on what model you buy, it normally comes pre-loaded with the "Microsoft Office" software on a trial basis.

This means you get 30 or 60 or even 90 days of use and then it either goes into a hibernation mode or you pay for the program.

Right when you get comfortable using the program, you go to open a Word document you need and it won't.

The icons have all changed and the program has shut down awaiting the opening of your pocket book.

It's expensive, even the base offerings.

And if you have followed my blog for any length of time you already know that I am all about saving money.

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Recently, I became a full fledged licensed Real Estate Agent.

It has been one of my dreams to sell condos from a beach somewhere in Mexico (actually any beach will do)  to the rich and famous Hollywood stars.

Well. it didn't take me long to start learning things.

The first big thing I discovered was that the entire company I am working for (it's a global company) uses Apache "OpenOffice" as the business suite platform.

It looks like Microsoft Office.

It acts just like Microsoft Office.

And if I hadn't been paying attention during orientation, I would never have noticed that it wasn't Microsoft Office.

But it's not.

And the best part..............It's Free !!!

That's why I am bringing this great news to you today.

If you are looking for an alternative to paying for Microsoft products, than give Apache OpenOffice a look-see.

I think you will be surprised.

Here's some quick information from their website, but I recommend you follow the "Read More" link to get an in depth look at what they are all about.

I bet when you are all done, yo are going to scratch your head and say "It's Free?"

Yes, it's free.

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Why Should You Use Apache OpenOffice?

"Apache OpenOffice is the leading open-source office software suite for word processing,spreadsheetspresentationsgraphicsdatabases and more. 

It is available in many languages and works on all common computers

It stores all your data in an international open standard format and can also read and write files from other common office software packages.

It can be downloaded and used completely free of charge for any purpose.

Apache OpenOffice is the result of over twenty years' software engineering. 

Apache OpenOffice is easy to learn, and if you're already using another office software package, you'll take to OpenOffice straight away. 


Best of all, Apache OpenOffice can be downloaded and used entirely free of any license fees. 


Like all Apache Software Foundation software, Apache OpenOffice is free to use

Apache OpenOffice is released under the Apache 2.0 License

This means you may use it for any purpose - domestic, commercial, educational, public administration. 

You may install it on as many computers as you like. You may make copies and give them away to family, friends, students, employees - anyone you like."

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


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


 
 
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Baby Boomers,

Have you ever done it?

Have you ever taken nude photos with your partner during a "playful" tryst.

Back when I was younger, you had to break out the trusty old Polaroid or Kodak to get the job done..

The photos were physical......"Hard Copies" if you will.

I mean everybody does it right?

Back in the days you hid your sexy, nude photos in a shoe box on the top shelf of your bedroom closet?

Everyone had them, right?

I know I'm not the only one because as a young, hormonal youth, I used to run across my Dad's "stash" as I hunted through his collection of porn magazines.

He had girlfriends of all different shapes and sizes and all prone to different levels of sexual proclivity.

But taking pictures back then was fun and exciting, maybe even a little "dirty"  and heightened the intimate relationships you had with your lovers. 


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It's not like today when you can stand in front of a mirror and take a "selfie" with your cell phone.

One snap and you send it across the world for your lover or partner or friend or obviously the entire world to see.

Recently, a series of nude photos of celebrities were leaked after an apparent "iCloud" hack.

Jennifer Lawrence, the gal who starred in "The Hunger Games" was the highest profile celebrity.

Others included Kim Kardashian, Rihanna, Vanessa Hudgens and Kate Upton among the 100 or more women targeted in the incident.

It was soon discovered that the photos were "hacked" by a Russian programmer and the entire debacle is even nicknamed "The Fappening."

A "Russian Programmer".......Wow !!

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It got me to thinking.

I wonder if there are nude photos of me floating around the internet.

So, the other day I "Googled" my last name (LICKUS) to see and what a surprise I found.

Am I embarrassed by the photos I found?

No.

This is neither a "scandal" or a "sex crime."

For heaven's sake, it's just nudity.

We were all born naked and we'll all die naked.

I never understood certain people's opposition to nudity.

It's not like there's anything we haven't seen before.

Men, women, we all have basically the same "boobies" and "peepees" right?

Now, I don't condone procreating in the streets like your pets, but I am completely comfortable with the rest of the world seeing my naked body.

But, I have to tell you I was surprised at what I found in the internet.



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So, I checked out the old search engine again this morning to confirm the photos I had found and what do you know?

I guess I had mis-typed my last name.

The pictures I found were under the words "LICK" and "US."

I guess I had hit the space button while searching.

There weren't any pictures under my last name "LICKUS."

Well, the way I figure it, I'm not a celebrity so who cares anyway?

If anyone wants to post any nude pictures I have, they will just have to search for them on the top shelf of my bedroom closet.

I'm sure there are plenty of old, yellowed Polaroids still stored up there.

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

                                                                                        


 
 
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Baby Boomers,

Can anyone explain why time can appear to move faster or slower depending on the situation?

Time has always existed.


It is man that created parameters to categorize when certain lifestyle changes are to take place.


It is man that built complex structures to organize our lives to live in harmony with nature: 


  • The seasons to coordinate with planting and harvesting food
  • Months to coordinate with the phases of the moon
  • Weeks to define the "market day" when we needed to go to town for supplies and the "Sabbath" a day of rest and worship
  • Days to honor the 7 major Gods
  • Hours to control how long our favorite TV shows should last and
  • Minutes to delegate an appropriate amount of time for Superbowl commercials

OK,  I made those last two up, but you get my point.

I think we all can agree that time existed before man in some undefinable form and has always behaved the same (whether we are approaching the speed of light or not).

Since man has put a definition to the way time should be measured it has become clearer that there is a very strong relationship between how we view an event or activity and how we perceive the "time" that surrounds our involvement in this activity/event.

Are you following me?

There are several theories and personal philosophies, that, when looked at individually, do a good job in explaining the ability of time to move differently.

1.   In a concrete, scientific manner the Theory of Relativity does a good job (OK, I guess it does a great job) of explaining how time moves based on its relationship to matter and the speed of light.  I accept that time can physically change based on absolute, defining universal parameters.

2.   But something is missing and this is the addition of the more philosophical, emotional and psychological perspective that man gives to his definition of time.

3.   Now stir in a mixture of the electro-chemical brain and muscle impulses that build our "Mental Relativity" that dominates everyone's individual behavior and you have created "Time Warp Soup."


As the great philosopher Yoda would say: "Somewhere in this mixture the answer lies.... hhhmmm."

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For instance, have you ever heard of the phrase "Time flies when you are having fun"?

When you tend to enjoy something, you feel that time passes by very quickly, but, on the other hand, when something isn't very pleasing at all, time seems to slow down to a crawl.

I read an article somewhere on how Albert Einstein explained this theory to Charlie Chaplin:

"When you keep your hand on a pretty girl, an hour seems to be like a second.....but when you keep the same hand on a hot pan, a second seems to be an hour.   That's the relativity of time"

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I'd say the relativity of time is just a scientific explanation of what's observed in philosophical terms.

In fact, I'd say most of the scientific theories of life have a philosophical basis.

For example:

Newton's third law - "Every action has an equal and opposite reaction" can only be accepted in a connected relationship with Aristotle's "Law of Causality" and my favorite Buddhist Law of Karma.

Time and space are relative to each individual because our minds don't restrict themselves to one time and/or one space.

Depending on the situation our minds jump to different states of time and space repeatedly.

Take the Einstein explanation to Chaplin above:  When your hand lands on a pretty girl (OK Gals, follow me by putting your hand on a stud muffin type of  guy) your thought process probably redirects itself rather quickly to visions of nakedness, groping and carnal activities.

Microseconds later you are thinking about your wife or girlfriend and whether or not having your hand on a pretty girl is the right thing.

Instantly your back to visions of nakedness on the beach.

The pretty girl's husband walks up and your mind goes into a raging fear mode and reviews multiple defense and flight mechanisms.

OK, one last millisecond of carnal thoughts and then you react by removing your hand.

All of that takes place in the smallest instant of time and based on whether that event was pleasurable or dangerous, you will judge that you had your hand on the pretty lady for hours or just an instant.



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What about when you hand lands on a hot pan?

I bet there is only one thought racing through your mind........move my f*#@ng hand !!!!

There's no pleasure here and your mind is probably not racing from one thought scenario to another.

it's pretty damn focused so it appears that it takes way too long to get your hand off of the damn hot pan.

Even days later, when you look down at your poor blistered and bandaged hand you will still have the perspective that it felt like you had your hand on that hot pot for an eternity when in reality it was probably just an nanosecond. 

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Now roll this simple example out into your lifetime of experiences, activities and personal events.

You may think it sound's simplistic but I am convinced that time does speed up or slow down based on your current stimulation when reviewed against a combination of the three theories offered earlier.

Time flies when you are having fun.

Not so much when you aren't.



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I guess the bottom line is make sure that you are enjoying every minute of your life on this planet.

Yes, it will appear that time is "flying" by all of the time but hell, it's worth it.

And maybe, just maybe, if you can keep time moving at a really fast pace because you are having so much fun then the reality of the time-space continuum will appear to slow down to a crawl because your "mental relativity" perspective has gotten so used to time moving quickly that it's all a matter of perspective.

Right?

Wait, that's a theory for another day.

Have fun and let time fly.



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

                                                                                        


 
 
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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.

PictureWilliam Noonan Ameriprise Financial
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 him 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.

To start off, I am going to link you to an article that caught me eye on his website about "beneficiaries."

Besides finding out who loves you and who really just tolerates you for your money, the beneficiaries you choose need to be prepared and insulated from the various tax problems and pitfalls that are out there.

Just follow the "read the full article" link to William's blog on the Ameriprise website:


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Choosing a beneficiary for your IRA or 401(k)

Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. 

With retirement benefits, you need to know the impact of income tax and estate tax laws in order to select the right beneficiaries. 

Although... 
Read the full article


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

                                                                                        


 
 
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Baby Boomers,

Have you ever woke up in a silly mood?

Well, Thank Goodness today is "Silly Saturday" because I am feeling ultimately silly.

You know, most times the internet is a great tool for inspiration and motivation.

Every page you click on seems to have some sort of snappy saying that is meant to brighten your day, give you hope or let you know that someone else in this big, cold world shares your deepest feelings and innermost secrets.

Most times, you are happy to come across these sayings and most times they do make an impression with you.

But sometimes, don't you just wish you could put aside all of this serious self improvement and character strengthening.

Maybe just have some fun, do things a little different and inspire the world to be more silly?

Hopefully, today I will do both for you.

Please enjoy this wonderfully "silly" infographic I found that is a little more light-hearted than the rest.

It may be silly, but I'm sure it will make you feel better about yourself.

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

                                                                                        


 
 
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Baby Boomers,

We made it to another "Fervid Friday."

"Fervid Friday" is my opportunity to bring you something that is associated to our Baby Boomer generation that I am passionate about.

Let me start out by asking you this:

Have you given much thought to making your home easier to live in as you are getting older?"

I mean physically.

I mean making it easier to get around, more functional and user friendly.

I mean a home to really fit your needs.

Well, I have an interesting concept for you.

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Well, in my internet travels I have come to know a gentleman by the name of Aaron Murphy from Seattle, Washington.

He is a licensed architect, real estate investor, radio show host, a published author and a "Certified Aging-in-Place Specialist."

Through his certification from the National Association of Home Builders, Aaron has been trained in the unique needs of the older adult population.

His company is focused on "Aging-in-Place" home modifications.

That's right, making the home you plan on living out your retirement years, easier to get around in, more functional and user friendly.

They offer everything from "ground up" design to common remodeling projects.

They bring solutions to remove the  common barriers that distract and complicate our lives as we get older.

Aaron has been public speaking on a regular basis for over 4 years now, spreading his word about “The Aging In Place Phenomenon: How to Live Happily Ever After in Your Own Home”. 


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I recommend you check out his website at:  

http://empoweringthematuremind.com

He has created a powerful online community providing his followers with valuable information, education, and online cultural resources related to developing functional living environments and what he calls his “Forever Homes.”

He is also part of an internet radio show called "Encore Living."

Thanks to Aaron, I will be bringing you articles and blogs, from time to time, that I think are of special interest to you.

Other than your health, your home 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 know that you CAN have a home you can live with and not just live in.



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


 
 
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Baby Boomers,

Odds on you have been through a recent divorce or you know somebody that has.

To say the very least, what leads up to the divorce and the legal and personal challenges presented are difficult and emotional processes.

Yesterday, I brought you an alternative to the all out and many times irrational battles that occurs.

Why not consider a "Certified Divorce Financial Analyst" like Nancy Hetrick.

Most couples make big mistakes during a divorce that damage their personal finances for years to come due to impulsiveness or emotional backlash. 

Even the most amicable divorces can result in severe financial disaster when the divorcing couple doesn't fully understand the impact of their decisions. 

So how did Nancy get the calling to become a CDFA?

Well, unfortunately she has plenty of credibility.

After a 17 year marriage, her husband cheated on her and left her.

As she stated in a Huffington Post interview: "The betrayal was paralyzing."

Have you been there?

Do you know what it feels like?

She further disseminates her most intimate feelings in the interview.......

1. I was consumed with anger every day and night and I felt miserable. He didn't.

2. I failed to plan for my future and my children's. Six months later I was nearly out of money.

3. My health deteriorated. I couldn't sleep, drank too much, and gained 15 lbs.

4. Staying angry meant I wasn't healing. I wasn't looking at MY role in the divorce.

5. My anger had me focused on the past instead of my present and my future.



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The following video of her interview withHuffington Post is a compelling snapshot of what a divorce feels like and how reactions change as time passes.

Hopefully, it shows you that you don't have to fall victim to the common mistakes made when a relationship fails and that there are alternatives to make a divorce positive.

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If you found today‚Äôs 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..........................................................


 
 
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Baby Boomers,

Do you still believe in the statement "Until Death Do Us Part?'

I am referring to your marriage and not your relationship with the IRS.

For the first time in history, more Baby Boomers are divorced than widowed, and the numbers are increasing as baby boomers live longer.

Back in the 60's, our "Decade of Love" only 3% of boomers older than 50 were divorced. 

By 2000, almost 12% were. 

In 2011, according to the Census Bureau’s American Community Survey, over 15% were divorced and another 2% were separated. 

In that same study, it was found that 13.5% were widowed.

While divorce rates over all age groups have stabilized and even inched downward recently, the divorce rate among Baby Boomers older than 50 has doubled since 1990, according to study called "The Gray Divorce Revolution" by two professors (Susan L. Brown and I-Fen Lin) at Bowling Green State University. 

Why is that so significant?

Because half the married population is older than 50. 

Ready to be shocked?

  • In 1990, 1 in 10 persons who divorced was 50 or older. 
  • In 2011, over 1 in 4 who divorced were 50 or older. 


Why is this happening?


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The reasons vary.

  • Living longer mean more years with an "incompatible" spouse
  • There are no kids keeping couples together
  • There is less negative stigma about splitting and divorce
  • More women working and concentrating on their own careers


With the increased Baby Boomer divorce rates comes a whole new set of complications.

There are new and unique consequences of divorcing later in life.

The most important, and many times the least thought about, repercussion of a later life divorce is the financial impact of separation.

More than 1/2 of Baby Boomer workers and/or their spouses have less than $25,000 in household savings and investments, according to the 2011 Retirement Confidence Survey, published by the nonpartisan Employee Benefit Research Institute. 

Unfortunately, women also still earn less than men and have a longer life expectancy, which puts them at greater economic risk.

Divorcing older means you have less time to recover financially, recoup losses, retire debt and rebuild your retirement safety net.

This can lead to bitter and emotional proceedings.

Is there a better way to handle your divorce?

It goes without saying that you should be prepared.



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I have been through 2 divorces now and a few more stressful relationship breakups.

I have always thought your only alternative was to follow the standardized divorce proceedings that your parents followed.

You separate.

You both get lawyers.

You go to court.

You engage in a protracted litigation  which usually ends in both parties hating each other and financially wounded.

I know this statement won't make me popular with the attorneys that I know but, from my experience and research, I have found that most of the money that is lost in a divorce trial winds up in the lawyer's pockets.

According to the National Center of Health Statistics, more than 1 million marriages end in divorce each year.

Let's face it, divorce can be financially devastating.

That's a lot of money that winds up with the lawyers.

Is there an alternative?

I didn't know there was until I ran across an incredible business woman by the name of Nancy Hetrick.

Nancy is a "Certified Divorce Financial Analyst."



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Most people make big mistakes during a divorce that affect their personal finances for years to come due to ineptness or emotional backlash. 

Even the most amicable divorces can result in severe negative financial consequences when the divorcing couple doesn't fully understand the impact of their decisions. 

Once filed in court, divorce settlements are extremely difficult to challenge or change.

This is why many divorcing couples are now turning to CDFA's, like Nancy, to help.

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Nancy owns a company called: "Smarter Divorce Solutions."

Her "Mission Statement" says it all...........


"We envision a world where the divorce process is not adversarial, financially confusing, or unreasonably costly.
  
We believe that by providing thorough written analysis, recommended solutions, 

advice on negotiation, and a shoulder to lean on, we can turn fear and uncertainty into peace and confidence at an affordable price. 

We are committed to a kinder, gentler divorce process for all involved."





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When I met with Nancy, we discussed what some of the "hot buttons" were in a divorce that she can help you make smarter decisions about.

 
  • Identifying the short and long-term effects of dividing community property
  • Restructuring of pensions, IRA's and retirement plans
  • Finding the best solutions to meet tax obligations
  • Formulating necessary insurance alternatives
  • Developing "creative settlement options" that result in a win/win for both parties

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Thanks to Nancy's support, I will begin integrating some of her very interesting and informative articles surrounding the varied aspects of the divorce arena into my website.

You can check out her website at: 

 http://www.smarterdivorcesolutions.com/

I think you will agree, separation and divorce is messy and awful enough by itself.

It is even worse at our advanced age, so why make things any harder on yourselves?

It's just my opinion, but using a CDFA like Nancy is a smart decision.



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