Money Source

Don’t you feel stupid when you find out that something you “knew to be true” for most of your life turns out to not to be true at all? It could be a piece of family gossip that you heard as a kid or just the “fact” that George Washington had wooden false teeth.

I have offered readers many solutions to financial problems and various sources for cash “infusion”. I have never suggested a “Reverse Mortgage” because I had this unfounded and false notion that there was something “bad” about reverse mortgages.

Of course, reverse mortgages are not for everyone. If you or your parents are concerned about financing your retirement life, you really should look into this option. The “Pros and Cons of Reverse Mortgage” is a good summary and well worth reading just to dispel any negative bias you (or I) might have.

Rick

I have no financial, personal or business connection with this site or its owners.

You Used to Laugh

Health Tip #19  Laugh

People who laugh for approximately 15 minutes a day tend to live
longer, healthier, and happy lives. It can also help you loose up to 4 pounds a year; isn’t’ that a laugh?

Can you be in pain and still have a genuine laugh?  Of course you can.

Can you complain about everything around you, always see the negative and reject everything and everyone who is a little different and still have a genuine laugh?  Probably not.  Living takes a toll from everyone but there is no reason you need to volunteer more.  Being the stoic “old curmudgeon” doesn’t attract good will from anyone.  If you haven’t laughed in a while, start with a smile and a chuckle (you don’t want to scare your friends and family).  If you can’t muster up a big belly laugh, find some visual aids.  Johny Carson monologues, The Three Stooges, and funny movie clips are available in YouTube and on video DVDs.

Call up an old friend or play with puppies, children or circus clowns, whatever it takes to bring out the contagious laughter that has been hiding inside you.

This is your second adult life.  At mid-life, you could live at least another forty years.  Try your best to fill it with laughter.
Rick

West Nile Virus – Be Aware

If you have elderly parents or are over 50, pay attention.No Mosquitoes

This is not my normal type of post. We get bombarded by so many conspiracy theories and so much bad news that many of us just tune it out.

According to the CDC, the chance that any one person is going to become ill from a single mosquito bite remains low.

However, the risk of severe illness and death is highest for people over 50 years old.

If you haven’t heard, there has been a major outbreak of the West Nile Virus.  So just take a few minutes to check around your house and those of your elderly loved ones.

The object is to avoid mosquito bites!

  • TAKE EXTRA CARE FROM DUSK TO DAWN, THE PEAK MOSQUITO BITING TIME.
  • USE INSECT REPELLANT AND PROTECTIVE CLOTHING IF YOU MUST BE OUTSIDE
  • DRAIN STANDING WATER
  • INSTALL OR REPLACE SCREENS
  • REPORT DEAD BIRDS TO LOCAL AUTHORITIES

This is just a “heads up” to be aware.  If you need more information, just enter “West Nile Virus” in the GOOGLE search box and you will find more than you ever wanted to know. 🙂

Rick

 

Social Security – Never Too Early To Prepare

What happened to those Social Security benefit estimates I used to get?

In a cost cutting effort, the Social Security Administration stopped mailing most of those paper copies of your estimated benefits in April, 2011.

No matter what your feelings are about the SSA, it is never too early to start planning for your future financial stability.  Your Social Security benefits may play an important part of that planning.  Don’t be the guy who waits until he sixty-something, needs some cash and signs up for benefits online only to find out about a very meager monthly check.  Maximizing your monthly benefits requires that you have the right information and then take the right actions at the right times.  Your statement of estimated benefits is one of several pieces of information that you need to make the proper decisions.

The statement is still available to you at:  http://ssa.gov/mystatement.  You will have to set up an account and answer a few questions for security reasons. WARNING TO NIGHT OWLS: You can only set up your account during “regular service hours”:   Mon-Fri  5am – 1am Eastern time  Sat 5am -11pm   Sun 8am – 11:30pm

If you want to be surprised, look at the difference between the benefits you will receive if you retire at 62 compared to waiting until you are seventy.  Unless you already have millions in the bank, it is important for you to get to know the workings of the SSA.

Good Luck

Rick

 

Free Crock Pot Recipes

Save Time and Feel Good

slow cooker liner
Crock Pot Recipes

After a busy day, it is a great feeling to be greeted at home by the smell of a delicious hot dinner.  But what if no one was home to fix dinner?  And what if you are running late and you promised your sweetheart a home cooked dinner (ten minutes from now). A crock pot (slow cooker) is a great kitchen helper for today’s busy workers.  Today, I’m giving my readers a free book of delicious crock pot recipes.  Click on Crock Pot to Download your Free Recipe Book.     ENJOY!  Rick

Rick's Tips

Hate Cleaning the Pot?

Sometimes slow cooking something all day can make a sticky mess in the bottom of the pot.  One of the worst cases is when we maCrock Pot Bagke hot cheese queso for office parties.  By the end of the day, the little bit of cheese left in the pot is seriously baked on to the bottom of the pot.  Even after soaking, it was a mess to clean up.  Then we discovered “Reynolds Cooker Liners”.  These crock pot bags are made of heat resistant nylon and designed to make slow cooker cleanup fast and easy. They help you avoid all soaking and scrubbing that is associated with slow cooking. After cooking, remove meal from the lined crock pot, allow to cool, and simply toss the liner – It’s that easy!  Hope this tip is helpful,  Rick

 

Happy People Feel In Control

If I Ask for Your Help, Do You Say Yes?I can't say no.

Are you the one who can always be depended upon to help out?

  • Chair the committee? Okay.
  • House sit for your neighbor? Okay.
  • Teach the class? Okay.
  • Walk my dog? Raise the money? Get the coffee? Clean up the mess? Plan the convention? Yes. Yes. Yes. Yes. Yes!

Tired? Exhausted? Not Enough Time in Your Day?

Do you see a connection here? Psychologist, Harriet Braiker likes to call it, “The disease to please”.  She feels it is a form of addiction.  Just as a drug addict seeks drugs, a people pleaser seeks approval.  If you disagree or even agree with her but have “hit bottom” and want to end this addiction, I have an exercise you can’t pass up.

Do You Want to Feel a Thrill?

Come on, I know you do. Try this…The next time someone asks you to do something that you would really rather not do, just say “No” and walk away! No apologies, no reasons, just “No”, turn and walk away; the “asker” will be so stunned, it will take a second for him to respond and by that time, you should be out the door. (Just like a movie moment)
Skip right over “feeling normal” and jump to “feeling happy” for the first time in a long while. You know why? Studies show that the majority of people who are genuinely happy feel like they have significant control of their lives. As a natural “caregiver” and “people-pleaser”, you constantly accept responsibility for cleaning up after others and helping them through their problems. But as soon as their problems become your problems, you have lost control of another chunk of your most valuable asset, your time. This is a depreciating asset, once it is gone, you can never get it back. One of the ways to take control of your time asset is to stop giving it away so easily.

Take Control of Your Time and Your Happiness! This should be at the top of your “To-Do List.Protect your precious time

Take Control; Be Happy! And let me know how good it feels.

Rick

Avatar – Your Rep on the Internet

from email

Dear Rick,

I love your blog.  Your practical self-help answers are great because I get immediate results.  Sure beats saying affirmations in front of the mirror for a year.  I want to know how people get their photo or logo next to their name when they post a comment.
Thank You.
Becky F.     from Brooklyn

Enlightened Women Know the Truth

Richard Geer, George Clooney, Denzel Washington and Brad Pitt

For many years, brilliant women from around the world have encouraged Hollywood to spread their propaganda that
Richard Geer, George Clooney, Denzel Washington and Brad Pitt are the sexiest men on the planet.

Why? Because the really sexy men have become so rare that these selfish women want to keep them all to themselves.  Who are these men and how do they satisfy the needs of the luckiest women on Earth?  I may be labeled a traitor to my gender but I’m going to blow the cover off these hidden hunks of sensuous talents right now…These real men among men are the “Fixers”.

The media tells women they need hours of “foreplay” before being truly satisfied.  Enlightened women know, it all really starts withchoreplay“…

Don’t have a spoon?

A Fixer can take care of that.
Smart Spoon

 

Seatbelt broken?

A fixer knows what to do.

Fixed Seatbelt


New TV too big for the old cabinet?

Carpentry is a Fixer’s specialty

TV Too Big

 

Electrical problem? No Problem

A Fixer knows what to do.
Electrical solution


Car stereo stolen?

An obvious solution for a Fixer.

boom box

 

Bookshelf cracking under the weight?
Not even a second thought from a Fixer.

structural books

Original equipment GPS too expensive?

Your gift from a Fixer.
Homemade GPS system

 


No ice chest for the party with your girlfriends?

Get the beer – your Fixer has got it covered.  

special ice chest

 

Can’t read the ATM screen honey buns?
Your Fixer to the rescue.

Sun Blocker ATM

 


Car imported from the wrong country?

A Fixer knows what to do.
Switch driving side

 


Satellite always goes out in the rain?

A Fixer’s natural solution
rain off disk

 

Electric stove broken and you need your coffee?

Your wish fulfilled by your Fixer.
coffee needs heating

 

Wiper Motor Burned Out?

Your Fixer wants you to be safe.
broken windshield wiper

 

Gotta feed the baby AND help you do the laundry?

A Fixer can do that!
baby must be fed

 


Cables falling behind the desk?

A Fixer can be practical and ingenious!

cable clips

Rick actually likes this idea.

 

Out of diapers in the middle of the night?

Come back to bed, your Fixer solves another problem!

No Diapers


Hope this tongue-in-cheek report put a smile on your face.


Find more ways to solve the real everyday problems of people over forty at www.AddedYears.com

 


A Real Fixer

Protect your Online Accounts

Enjoying Your Computer
Protect yourself online
The YAHOO email account of my younger daughter was just “hacked” and spam messages were sent to her address list using her account. You can usually avoid this kind of attack by following these three rules:
1. Use strong passwords (at least 8 digits using upper & lower case plus numbers & special characters)
2. Don’t use the same password for all your accounts.
3. Regularly scan your hard drive for Malware with updated anti-malware software.

Here are the definitions you asked for:

Malware is malicious, basically anything bad that you don’t want. ( In law, malware is sometimes known as a computer contaminant)

A computer virus is malware that can reproduce itself, the term is sometimes used erroneously to refer to the entire category Viruses require human interaction. In the early days, this was often giving a floppy disk to a friend who then put it in his computer. These days it means double-clicking an email attachment or visiting a website.
Spyware is like a spy, it secretly steals information.  It is used to monitor/Log the activity performed on a computer. These are used to spy on someone either for legal or illegal purpose. (spywares such as keyloggers are installed by the owner of a shared, corporate, or public computer on purpose in order to secretly monitor other users)
Adware displays ads (generally in POP-UP’s form without your permission)

A Worm is a program which infects the computers which are connected by some network. Worms slow down the network. Worms are completely autonomous. They actively scan the internet for new targets, immediately infect them and the new target starts scanning the internet for new targets. Worms can spread extremely quickly because there is no need for human interaction. Nimda, Code Red and Blaster are famous examples of this.

A Trojan is a program which is usually hidden as a useful program, but can then be used by a hacker to take control of your computer. [Trojans are also known as Backdoors]. Trojan Horses are disguised to look like something useful but are actually malicious. Most trojan horses these days fall under one of the other categories because nobody writes random destructive code anymore. In the early days many viruses and trojan horses would do nothing more than delete your entire hard drive. Now, the virus writers want to make money by sending spam or collecting credit card numbers and marketing information.

Rick

The Choices You Make

Once again you have come to the beginning of a new year.  Albert Camus says that “Your life is a sum of all your choices”.  While technically, I might disagree, Camus is not here to defend his position so let’s give him this one.

So what choices are you making tomorrow morning?  The same ones you always make?  Do you know the incredible power that you control every waking moment of your life? Whether you have spent forty or ninety years getting to this moment, you still get to choose.  Will you say to yourself, “I am going to be in complete control of my attitude today and I decide to be happy?”

Will you finally decide to do what is right for your own well-being?  Healthy eating and exercise, focused hard work and taking action toward achieving your goals…will these be part of your choice?  Do you realize what an awesome time this is in your life?

My friend, Pat Kamerath, is an award winning artist.  The title of this painting, Metamorphosis, came to mind while writing this post about choices.

Pat Kamerath painting

 

   metamorphosis

   “A profound change in form from one stage to the next in the life history of an organism.”

This is your chance to set free the “butterfly” you have been holding inside.  You have a lifetime of knowledge, the desire (passion), my encouragement  and the resources of addedyears.com…everything you need to create the life of your dreams, once you make the choice.

Your clock is ticking.  There will never be a better time.  Whatever you need to do to improve your life can start right now but you have to make the choice and be committed to the “new and improved” you.

Good Luck,

Rick