Who Will Remember You?

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Hey Rick,

I’ve got all I really need to continue with the “good life” during the time I have left on this planet.  Although I’m happy, I’ve started to wonder why I’m here and what have I done for mankind.  I can’t leave a huge trust fund to my grandkids so will they even remember me when they get older?

Olsen

First of all, Olsen, congratulations!! I love to hear about success.  It is not at all unusual for a hardworking, driven person to reach all of his/her personal goals and still feel that something is missing.  Many feel unfulfilled or simply want to know that their life had “meaning”.  Your grand kids are the perfect place to start.  Create memories for them by teaching them what you know, be a mentor, help them think through tough situations.  Don’t be the grumpy old man they visit in a nursing home.  Be the “superstar” that taught them how to fish, ride a horse, use a library, draw a cartoon character or appreciate a museum.  Teach them the one magic trick you know or how to make a paper airplane.  Show them the value of learning from “old people”, about personal responsibility, how the “bad guys” try to control people with fear tactics.  You are financially successful.  What if someone had taught you about the stock market, compound interest and taxes when you were fifteen?  You don’t have to have grand kids or money to do this.  The best way to be remembered is to pass on a piece of yourself.  In the member’s area, I have two good sources for many more ideas on being a mentor and leaving a legacy.  (Under Mental health in “Free Products for Members” area)

Good luck and have fun.

Rick


Arthritis Pain Management

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Many of us have noticed a never before felt pain or two that we would like to ignore.  The one thing that all arthritis sufferers have in common is PAIN.  There is no cure for arthritis but educating yourself and creating a personalized plan to deal with it can prevent this disease from taking over your life.  I have put together a 57 page FREE report that will give you some insight on dealing with arthritis.  Grab your FREE copy now at:

http://www.arthritisroadmap.com

Rick

Woodworkers-Have you seen these plans?

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I know this is not for everyone but I’m a woodworker and I just couldn’t help promoting this product.

This is a straight up product recommendation for these 14,000 woodworking plans.

If you or your partner are a woodworker just take a look at this package.  You can search, print…just take a look.  Click on the download button.

I will receive an affiliate commission if you purchase these plans.  Rick

Cinnamon

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“Advice of medical specialists should be considered before trying cinnamon supplements and other forms of alternative medicine. Side effects and interaction with other drugs may take place.”

Confession

For a long-time, a shortcut breakfast for me consisted of toast with a heavy coating of peanut butter.  It was fast and always held me over ’til lunch.  (I am NOT recommending peanut butter to anyone).  As I got older, I noticed that even after brushing my teeth, I might have “peanut butter breath”.  And then, my wife hears that cinnamon lowers bad cholesterol so she started adding  a 1/4 teaspoonful of cinnamon to her applesauce.  She had a big container of cinnamon sitting on the countertop so one day I sprinkled some on my toast.  Voila! No more burping peanut butter or peanut butter breath.  I decided to look up the benefits of cinnamon which appears to be quite a list.  Add a little honey and the list of claimed benefits grows even longer.

This spice is now being heralded in the long line of herbal medicine wonders.  It’s benefits may include:

Lowering LDL cholesterol

Regulatory effect on blood sugar (great for people with Type 2 diabetes)

Ability to stop medication-resistant yeast infections

Anti-clotting effect on the blood

Relief in arthritis pain

Fights the E. coli bacteria in unpasteurized juices

Curbs cravings

Supports digestive function

Relieves congestion

Constricts and tones tissues

Boosts brain function by boosting cognitive function and memory

Relieves menstrual discomfort

Improves circulation by thinning blood

Provides calcium and fiber protect against heart disease

Improves colon health, by removing bile salts from the body

Prevents urinary tract infections and irritable bowel syndrome

Helps address tooth decay and gum disease

Now you noticed that the beginning of this list said “benefits MAY include”… I saw mention of several studies and lots of undocumented claims.  As a non-medical specialist and a natural skeptic, I don’t see how many of these claims could be true.  However, it seems generally accepted that cinnamon contains manganese, fiber, iron and calcium.  If I had high LDL (bad) cholesterol, Type 2 diabetes or peanut butter breath, I’d be eating more cinnamon right now.  If I had any of the other problems in the list above, I would be doing more research on the studies of that illness and cinnamon.  I saw a reference that might be relevant to many of us Baby Boomers:

In a study at Copenhagen University, patients given half a teaspoon of cinnamon powder combined with one tablespoon of honey every morning before breakfast had significant relief in arthritis pain after one week and could walk without pain within one month.  (This could be the result of the anti-clotting properties that makes cinnamon and “anti-inflammatory food”)

Warning:  Do not inhale cinnamon dust.  It irritates the airway, which could trigger a bronchospasm and stop your breathing.  And of course check with your doctor before trying any dietary supplement.

If you haven’t downloaded it yet, “Remedies and Cures – The Natural Way” is a seventy-five page book available for free to paid members of www.addedyears.com

Rick

Get even more help and practical advice as a member of www.addedyears.com (Please, tell all your ‘over 40’ friends about us.)

Women Over 40 – The No. 1 Way To Improve The Years To Come

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We all have made compromises to create a “comfortable” life for ourselves.  Will you settle for “comfortable” in your Second Adult Life?You have worked hard for many years, perhaps raised a family, built a career or both. Your life has become fairly routine. Whether this is good or bad, you have recently begun to realize that you may live another thirty to fifty years or more. That is another entire adult life! The next thought that crosses many minds is, “I can’t go through all this again.”

So what does it take to get out of a rut and make the coming years the very best of your life?

YOU MUST MAKE TAKING CARE OF YOURSELF YOUR TOP PRIORITY.

There seems to be a lot of resistance to this concept. Women have sacrificed their well being “for the sake of their spouse, their children, their parents and even their career or their company.” For whatever reason, many women never realized that they could have “served” everyone around them even better if they had taken care of their own needs first. There is a good reason that the airlines say, “put your emergency oxygen mask on first, before helping anyone else.”

Trying to convince the doubters of this concept takes more words than I have today. So I’m going to concentrate on the one area that almost all agree. “The freedoms and comforts available from having money will help me live a happier, healthier and more fulfilling “second adult life.”

Money is just a tool; a way to make bartering easier. It has no qualities of good or evil. The sole purpose of collecting it now is to help you take care of yourself in the future and make it easier for you to share the very best of yourself with the rest of the world.

So what steps can you take now to ensure this future happiness?

• Personal Savings – You must have a place to accumulate money.

• Retirement Fund – An IRA or 401K or other plan if you work outside the home

• Savings Mindset – “Sock-It-Away” either by habit or auto-withdraw

• Question spending – Do you really need a new __________?

• Avoid & Eliminate Debt – The future is unpredictable but “Cash is always king”

• Avoid having to say, “No” by not telling your friends and relatives about your nest egg.

There are hundreds of excuses not to save. Eliminate them from your mind and replace them with ways and reasons to save. Use your positive thoughts to find ways to add to your account. If it helps, make it a game and add some incentives. Calculate how much the ten dollars you deposited this week will be worth in twenty years. If you want singing lessons, your own apartment, a trip to Tahiti, imagine what that will be like. Remember, this is not a savings account for auto repairs or a birthday gift for your spouse or bail for your sad-sack brother. This is for your future.

Where to save. You want your “pot of gold” to be safe, earn interest if possible and not so easily accessible that you are tempted to dip into it for daily living expenses. Online banks can offer such a place but do your homework and avoid any “hidden” fees, minimum deposits or charges for holding your money. Don’t look for just the highest interest rate. Unless you have a substantial initial deposit, fees and charges can be a lot more that any interest income you might make. Ask questions; call the institution and tell them what you plan to deposit and how you plan to add to it. Specifically ask if there will be any charges or fees. Take notes on each institution you call including who you talk with and when. If you have a few thousand dollars to start with or you have an IRA, you can open multiple accounts with an online broker like E*Trade who will recognize your brokerage account, retirement account, savings and checking accounts as one balance, making it easier to eliminate minimum fees and monthly charges.

You can do this and should DO IT NOW! I’ll let you come up with more reasons to save for your better future years. Here are some ideas for finding and making more deposits to your savings:

• The coins collecting dust around the house

• Cash rebates from product purchases

• Cash birthday or Christmas gifts

• Make sure to use employer matching funds to your retirement account if available

• Automatic deposits from your pay check

• Every time you choose to “brown bag it” instead of eating out, put aside $5 for a deposit

• Sell any “junk” that has been in your storage area for years.

When you start feeling good about doing this for your future you may be ready to start doing more things for yourself. In the years to come, you can keep growing as a productive, happy individual, benefiting everyone around you. If this is a new idea for you, it may take some time to sink in but it is true. It is time to take care of yourself. Remember the oxygen mask…

I’m here to inform and encourage.

Rick Perkins

Your Body – You Can’t Trade It In

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Most of us love the look and feel and smell of a new vehicle.  And all we have to do is make enough money to buy a new one.  Wouldn’t it be nice if we could do the same with our aging bodies?  Sorry, its not going to happen.

The best we can do is take care of the one we have.  The sooner you start, the better.  Every year you wait makes it harder to maintain the level of mobility and good feelings we would all like to have in our second adult life.

  • EXERCISE                     Mature adults must strive to maintain balance, strength and a good circulatory system to stay active.
  • NUTRITION                Weight control may actually get easier but watching sodium and sugar levels are more important than ever.
  • SLEEP                            I thought I could avoid the consequences of sleep deprivation but everyone was right; my memory went first…
  • REGULAR CHECKUPS    Avoid hospital stays whenever possible so practice preventative medicine and go to the doctor regularly.

Of course, you already know this so tomorrow will probably be a lot like today.  If you need some incentive, volunteer at a senior center for a few days.  You may see ninety year olds dancing and having a great time and sixty year olds in wheelchairs or just too fat or creaky to move away from the tv.  If this doesn’t wake you up, nothing I can say will.

There is plenty of practical “anti-aging” information in the main membership site and more on the way.  Here are a few of my “101 Tips for Losing Ten Pounds” :Join Us Now

#6  Include in your diet things that contain more water like tomatoes and watermelons. These things contain 90 to 95 % water so that there is nothing that you have to lose by feasting on them. They fill you up without adding to the pounds.

#19  Go easy on tea and coffee. Tea and coffee are harmless by themselves. It’s when you add the cream and sugar that they become fattening. Did you know that having a cup of tea or coffee that has cream and at least two cubes of sugar is as bad as having a big piece of rich chocolate cake?

#44  Instead of frying things try baking them without fat. Baking is by far a healthier method of preparing food than frying. Baking requires lesser oil or fat.

#47  Carry parsley with you. Parsley is an excellent thing to munch on in between meals. Not just is it good for you in terms of vitamins, but it is also a perfect way of making your breath fresher.

Join with us to make the next thirty years the very best of your life.

Rick

“Money, Happiness and Good Sex” Which doesn’t belong?

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Is this a trick question?

Many wealthy people have lost a lot of their wealth in the last ten years (and I’m not talking about Tiger Woods).  Most poor people have stayed poor. Working Baby Boomers have taken a few steps toward the poorhouse and small business owners, the economic backbone of America have taken hit after hit with many not surviving.  Focusing this is depressing and frankly many will never get over it.  Unfortunately, they have let the loss of “money” destroy their happiness and ruin their sex life.

By this time in your life, you have probably noticed that your sex life is a lot better when you feel good about yourself.  Feeling strong and healthy and good about your body certainly helps.  What about feeling successful, confident and financially comfortable? You bet!!

Can a person be poor, happy and have a good sex life?  YES.

Can a person be rich, unhappy and have a miserable sex life? Of course.

With just those two statement, it would appear that money has nothing to do with being happy and having a good sex life.  Mae West said, “I’ve been rich and I’ve been poor.  Rich is better.”  Donald Trump went from “poor” to multi-millionaire to almost bankruptcy a few years ago.  I’ve heard that he so disliked the feeling of not having the multi-millionaire lifestyle that he didn’t take the time to be depressed or even recall all his losses to anyone who would listen.  He just went back to work, building up an even bigger financial empire.  I have the feeling that his sex life didn’t suffer a bit during this time.

Those who say, “Money can’t buy happiness”, don’t know where to shop.  This brings me to the point of this post.  Money itself doesn’t belong in the same group as Happiness and Good Sex.

The benefits derived from having money are what we all are seeking.

When you can buy good health care, good food, freedom to pursue your passion and help others in need, then your happiness and good sex life just come so much easier.  But you should not allow losing your “money” to take away the happiness and good sex that you already have.  Separate these in your mind and in your daily affirmations.  “I may not have the money I once did, but that does not affect my happiness and good sex life.  I will work to fill my coffers once again while I continue to enjoy my happy life.”  Focus on the good life and whatever you want in your future and the “Law of Attraction” has to make it happen.  Focus on loss & misery and you will only create more of the same.

Rick

Found Money and Cheapest Gasoline

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When you have multiple streams of passive income, it is easy to be a little “loose” with your money.  You might pay full retail because it is more convenient at the time or buy things you know you will never use because it is for a good cause.  For some of us, the frugal traits of yesteryear never go away no matter how much money we have in the bank.    Here are two fun sites that are very “frugal friendly”…

Sites for finding the cheapest gasoline in your area have been around for a long time.  You can always find a few by entering “cheapest gasoline” in a Google search.  However, MSN has a new site that is very professional, up-to-date and show maps to the lowest priced retailers.  The MSN site is:  http://autos.msn.com/everyday/GasStationsBeta.aspx

You may have seen ads on tv for books about finding lost money.  They want you to pay them for telling you where to find government listings of money left in bank accounts or deposits never claimed or benefits checks never cashed.  Even a frugal person can forget a utility deposit or may not even know about a refund that was made but never claimed.  I think these things happen more frequently to people who have moved many times during their life.  I’m giving you one of these sites for free.  If you have an unusual name, it will pop right out, for more common names, you will have to scroll through and look at the addresses.  If you have lived in several states, try your name in each one. http://www.missingmoney.com

Good luck!