Part Two: Taking Care of Your Health

The more I converse with people the more I understand that you really need to take an active role in your healthcare. We all assume that the Doctor we choose knows exactly what is going on with our health issues and knows best how to keep us in tip-top shape. I have not met anyone yet who will give me the thumbs up in this category. We need to be pro-active in what our physical, mental and emotional body needs. Part one deal with attitude adjustments and in this I will attempt to guide you in a direction to decipher some of the physical needs.

A good honest rapport with your doctor is a must. If you have a doctor you fear or will not work with your choices of care such as nutritional supplements and / or chiropractic, you may consider the need to change doctors. Some do not believe in what supplements can do, yet behind the scenes they use them for themselves and their families. You can also agree to disagree and keep them to do your blood work and perform the necessary tests to help guide your success in this aging process.

The place to begin this treasure hunt of health is with your blood work. Mid Life offers a great deal of change in all aspects of your life. Finding out your baseline in all areas of body function will guide you in the necessary changes you need to make concern diet, exercise, meds or supplements and whatever therapies would be beneficial for optimum aging performance.

What do I mean by baselines?

For bones: Dexa Scan

Colon: Colonoscopy

For Women: Mammogram and Pap smear

Blood Work: on top of the usual add C-Reactive Protein, Homocysteine, Fibrinogen, and HGBA1C, Also a complete hormone panel that includes DHEA

Teeth; Complete dental assessment

Eyes: Complete exam and check for Cataracts, Macular Degeneration


It would be really great if you have been health conscious all along but whether you have or not the above is really a great way to determine where you are now and what is necessary for quality of life for the next chapter of your anti-aging process . Knowing is half the battle and no matter how hard you try denial does not do a positive thing for you. You need to give yourself permission to take care of yourself as well as you do others in your life. Start removing negative things from your life whether it is food, friends, stuff or inactivity. Get excited about yourself. Dress for living! Wear all those clothes that you know look good in but only save for special occasions. Today you are special and wait no longer. Make better choices of people you want around you, foods that will taste good and offer your body a helping hand. Do not be afraid to take an active role in yourself. Do not wait for it to be asked of you or to be in trouble before you find out you need to alter your lifestyle. Get quiet, self evaluate and do not think you're above needing changes. There is always something you could improve on. Aging does funky things to everyone and knowledge along with action is the only things that can keep your changes to a minimum. In the process of aging, ignorance is not bliss. See you for Part 3 or head over to for more right now!

Retirement Planning – Is Long-Term Care Insurance Necessary For Baby Boomers?

Many people think wealth creation is what enables people to retire with confidence. In reality, what makes people confident in retirement is knowledge they have planned well for life's contingencies. Until you have an adequate plan for inflation, healthcare expenses, life expectancy, etc. etc. you can not really assess how much wealth you really need.

Long-Term Care Insurance is a difficult contingency to plan for because it's expensive, you are never sure if you will need it and in final analysis it may not make sense to own it.

Long-Term Care Insurance is for individuals who have lost their ability to live independently. This could be due to a disability or a prolonged illness (mental or physical). The insurance covers people that need help to carry out the six activities of daily living, which are dressing, bathing, toileting, pollution, transferring (move from place to place) and eating. Typically you need to lose the ability to perform two of these six before coverage starts.

The average cost of a nursing home is $ 70,000 – $ 80,000 per year . Since it is so expensive, everyone should consider long-term care insurance as part of the retirement planning process. That is not to say everyone should buy it.

Here are three reasons to consider long-term care insurance:

Protect your assets: With this insurance you can avoid having to depend on other family members for your physical and financial well-being.

Medicare is not a solution: The cost of long-term care (without insurance) can wipe out your net worth in a hurry. Medicare is not allowed to be a long-term solution. Medicaid is an option but you only qualify for Medicaid once your assets dwindle to almost zero.

Act before health problems surface: The best time to buy long-term care is in your late 50's or very early 60's before premiums get too high or health problems keep you from qualifying.

Before you commit consider these statistics:

Sixty-Six percent of people will never enter a nursing home facility. There is a good chance you will never need the insurance you paid for.

Only nine percent of the people that enter a nursing home will stay more than five years. You need to determine if you think you can self fund this expense.

Eighty-Eight percent of the people entering a nursing home are at least 70 years old. Once someone enters a facility, only twenty-five percent return home.

If you draw conclusions from the above statistics you would conclude that you will probably never enter a home. If you do it will be after age 70, but your stay will be less than five years and it is illegally you will return home. It would be reasonable to assume that self-funding would cost $ 250,000 in today's dollars and you could expect that figure to double in the next 10-15 years.

If you have a high net worth (greater than $ 1 million) you should consider self-funding. Once you are in a nursing home your expenses drop considerably in most categories. If you have a spouse you need to consider their ongoing expenses as well. All this needs to be weighed against premiums of $ 1,000- $ 2,000 per year depending on your age.

When you consider long-term insurance be sure you understand how long coverage lasts, how much money is paid per day and will that amount increase with inflation. Make sure the insurance company is solid (preferably AAA rated) and understand if the coverage is for more than nursing home care. Know how long you have to wait to receive coverage and are the paid premiums refundable at death if you did not use that amount as benefits.

Any decision with this many variables is difficult. This is a personal decision based on your own unique situation. If you spend time adequate time evaluating your options you will most likely make a smart, informed decision for your family … Good Luck.

Baby Boomers Are Retiring, Unhealthy and Broke, But It Does not Have To Be That Way

Ok. I've got to share. I'm writing this article because I have discovered a company, a product, and a simple plan that can help you stay or become healthy, and at the same time make you some serious money.

Many of you are like me, a member of the Baby Boom generation. There's a lot of hoopla over the fact that not only are we terribly unhealthy, but we have just entered the era of our retirement.

Many of us are either at retirement age, or being forced out of our means of employment, but we still need to supplement our income, if we even have an income.

With downsizing, rightsizing and capsizing, many of us have been left out in the cold by the very companies we thought would take care of us after we worked for them for 30+ years.

When we should be at the beginning of our 'Golden Years', some of us are beginning to look for new employment. We're wondering if we will ever be able to slow down and actually enjoy any semblance of retirement.

I live in a part of the country where generations of families worked for textile mills. Those mills have since shut down and moved their business off-shore. Now what do these people do? Many have turned to fast-food restaurants and work for minimum wages. That's fine if what you want is another JOB, but there is another option.

There are those of us who have worried ourselves sick over being unable to meet the bills every month. Too much month at the end of the money. Trust me, I've been there.
For Some Of Us I Have a Solution

Baby Boomers have been know to 'fix it' when it comes to challenges. I have found a way to 'fix' my health concerns and lack of finances.

Within the last three years I have totally changed professions. Now I am a Network Marketer and I really believe in this industry.

Yeah, I know I just lost some of you. So be it. Closed doors sometimes must be opened forcefully. Opening that door takes being open to new information, but the people I'm writing for already understand that and are seeking a way out.

Unfortunately many of us have been left with a bad taste in our mouths due to some unwitting Network Marketer who botched a presentation, or maybe we joined a disreputable company, lost a lot of money and vowed 'never again'.

Many reasons keep us from exploring the profession and I am here to tell you outright, that is a big mistake. Find the right company and you can achieve all of your dreams. Even those that have been put on hold.

My goal with my articles is to provide anyone who needs it, the opportunity to 'catch up' with their retirement goals and be able to retire comfortably within 5 years. It is possible if we apply certain techniques.

Network Marketing is not for everyone, by far, but if you think it is for you I seriously urge you to at least check it out. Like I said, I'm writing to Boomers, but this is for anyone who wants to better his or her self.

Thanks for taking the time to read this far. Hope you're having a prosperous life.

If this article interests you Email Me Now . You are about to discover a way to possibly rescue your retirement. Click on the link in the resource box and see what I have found. It works for me.

Pre-Boomers Are in a Dangerous Financial Position

We are the recent retirees, or are soon to be. So pre-boomers are most vulnerable to the taxes, fees and extra costs the federal, state and local governments plan to impose on us. Few of us have pension plans that will allow us to live exactly as we did while working, but we thought there was enough money for us to live comfortably in the years ahead.

Included in many retirement portfolios are IRAs, the values of which have declined significantly in the past year, at the age of 70 and a half withdraws become mandatory and are taxed as regular income. Couple this with lousy interest rates on savings and the specter of inflation looming over us, and there’s little reason for those born between 1930 and 1945 to feel comfortable about our financial situations.

We are on fixed incomes or dependent on returns from conservative investments and can’t go back into the workplace to earn more money, making pre-boomers vulnerable to a variety of outside influences. Besides the depressed financial markets, there are a multitude of unforeseen costs that will bite into our nest eggs. Due to government intervention or outright takeovers, there are potential new taxes that will that will likely make the things we use cost more. We hear and read about the escalating national debt without knowing how we are going to eventually balance the budget.

Blaming the federal government is easy, but it’s just part of the story. As you read this state and local governments are scheming to find ways to pick your pockets, too. In Los Angeles, California, where I live, we are faced with massive deficits at both the state and city level. Our much publicized system of placing propositions before the voters, rather than leaving it to elected represents, has resulted in the citizens calling for added programs and services without raising taxes.

So, we end up approving propositions that call for the spending money we don’t have; and the legislators can’t stop it, even if they wanted to. Either we have a representative government where those who we elect are supposed to listen to their constituents and are responsible for the way they vote, or we have a direct democracy and relegate elected officials to the role of implementing the will of the people, with the door being opened for special interest groups to hijack the election process. What appears to be a way of keeping politicians under control and getting important issues before the public leaves no one in control and eliminates true checks and balances.

Let’s face it any individual, or business, or government (at every level) that spends more than it takes in is in trouble; so income must be increased and/or what’s going out must be reduced. Americans are smart enough to know this, why can’t we get the politicians to embrace this simple concept? Maybe our voices have not been loud enough or often enough to drive home the point that we can’t spend our way back to good financial health. Please let your elected representatives know how you feel, and keep telling them until they act; because we pre-boomers are caught in the middle and no one seems to care.

Unusual Baby Names – Finding a Unique Baby Name

Naming a baby is generally a landmark ceremony for the parents and the society. A person under normal circumstances retains his or her name throughout the life time. The name gives an identity to the person. It distinguishes a person from another.

Choosing a baby name is influenced by various factors such as religion, culture, and region etc. It also depends on the preference of the parents. Some parents keep the religious, cultural, or regional flavors intact by choosing the common names unique to their culture, religion, etc. On other occasions, parents may want to give their babies a name which is unique. Of late, this trend has caught up with the parents and they are using more and more unique and unheard of names for their babies. Like many other aspects of life, unusual names too have their advantages and disadvantages. Unusual names are sometimes difficult to remember. But at the same time, they provide a unique identity to the individual. Common and popular names are easy to remember. But they too have their disadvantages. They can sometimes create confusions.

Like normal baby names, unusual baby names too differ from country to country and region to region. A name which is unusual for an American parent may be quite common in India. Similarly, a name which is unusual for the Japanese may be a house hold name in a country like Hungary. For example, Yuri is a common male baby name in the erstwhile Soviet Union, but it can be regarded as an unusual name in a country like India. Parents have the option of choosing a name which do not belong to the top 300 or top 500 common names, or they may prefer a name which is unique. Hollywood celebrities have popularized the trend of giving their babies unique names.

The interesting fact about unusual baby names is that they do not remain unique or unusual for long. Over a period or time, they too have the danger of becoming a common name if more and more parents use them. Some of the parents still stick to the traditional naming methods, whereas, some other parents prefer unique names for their babies. The decision is entirely dependent on the preference of the parents.

You Really Want A Baby Boy or A Baby Girl

Society has such strong opinions as to what gender baby you should have. In most cultures a boy is highly revered because it carries on the family name. In other cultures a girl is more of a gift because of their helpful abilities and “lobola” possibilities presented when they get married. Consequently, so much pressure is put on women to birth either a boy or a girl, depending on cultural stigma. Many women resort to extreme measures to get the desired result.

No matter what you try, the gender of the baby is merely a result of chance. It could go either way, male or female. It is interesting to note that it is the male sperm that determines the gender of the baby. The male carries both the X and Y chromosomes which are the female and male chromosomes, whereas the female only carries the X chromosomes which are the female chromosomes. The female body has no control over this process; it is purely the sperm cell that fertilises the egg which determines the gender.

There are so many old wives tales that give women false information about how she can influence the gender of the baby. Many of these tales involve eating certain fruits or vegetables, whilst others reference to taking certain supplements and others tell you what type of actions you should take. In reality, none of these tales will have any influence on the gender of the baby.

There have been certain advances in medical technology that are able to affect the gender of the baby, but these trials are not accepted by many institutions across the world. In most countries gender manipulation is illegal and cannot be practiced. If you consider undergoing IVF fertility treatments and you think that this might be your chance to get what you want, you would be wrong. The fertility doctor will advise you that the purpose of IVF is only to fertilise the egg and to implant it in the uterus. Any type of gene manipulation is not allowed and is illegal in most countries. IVF is a treatment that can help certain infertile couples with conceiving a child if they weren’t able to do so naturally. It is a method that has been advanced in the medical field to help couples with creating their own family. Considering all that such couples go through, they are hugely appreciative of receiving either a boy or a girl.

Do not let society and culture make you feel inadequate about the baby’s gender. Enjoy the little one and love them all the same.

i-Ped Bike Review – What Makes It So Popular?

The All New i-Ped Bike

A really popular foldable bike to enjoy is the i-Ped bike. Like many other kinds of folding bicycles, this one can also be taken just about anywhere. It is especially designed for users to easily carry or ride to any place.

People who wish to own one but have limited storage space in the house can benefit from this innovative product. Since it is foldable, any user can easily place it into corners, under the table, or even inside the room. No more problems when it comes to parking or keeping your bike while not in use.

If you are staying in a condominium, apartment, dormitory, studio flats, or any other first-class properties, the i-Ped bike is best for you. You can quickly and easily fold and carry it inside your unit after a day’s use.

Leaving it outside or parking it in an open space is no longer necessary. Now you can have a safe and secure storage area. By bringing it inside the room, you can keep it safe from harm or thief. This is one of the biggest benefits you can get from getting a foldable bicycle.

The trouble with storage space is obviously cancelled with the i-Ped bike. Now, you need to deal with the transportation – another concern which most people have. This innovative product allows you to commute to work, convenient store, coffee shop, or anywhere in town.

Visiting the park or your neighbor’s house is no longer a problem. So, obviously, an i-Ped user can get rid of the difficulty in meeting your needs when it comes to storage space and transportation.

To achieve convenience and comfort as I have discussed in the earlier paragraphs, all you need to do is to fold up the bike whenever it’s not in use.

Also, if you want to bring it with you during vacation or short visit to somewhere, you can easily place is in your car’s trunk. It is ultimately foldable, so there’s no problem when you want to bring it for your weekend outdoor adventures.

The i-Ped bike is hassle-free, unlike other foldable bikes, this one is modified making it easier for you to fold and unfold.

Moreover, the performance is enhanced despite the easier foldable function integrated into it. The total function of this new product of technology is more improved to further meet the needs of users.

When you buy an i-Ped bike, you will also have the bag which can be conveniently used for it’s storage. It is built with aluminum wheels with chrome spokes, steel fender, and hand-controlled front and rear brakes.

It has amazing features of the Kenda 26-inch tires and 6-speed Shimano gear component. It also includes a hand bell ringer, luggage rack, kick stand, and reflectors for safety purposes. The manual or guide on how to fold and unfold the bike properly is also included in the package.

Feng Shui Baby Names

There are various ways to pick a baby name. The ways vary from different Feng Shui schools. Feng means wind, while Shui means water. Feng Shui Masters found a way to relate Feng Shui with baby name.

Chinese astrologers use Feng Shui on how to pick a baby name. The name at birth is very important to the baby and couple. A good shape name brings good luck to the holder of the name.

Kua Numbers

The astrologers determine the Kua number of your birth year. Kua number tells whether the name is auspicious, or inauspicious. The Kua number calculations vary between female and male. The general idea is to add the last two digits of the birth year until you produce a single digit. Then, you subtract to 10.

For example, 9 is the Kua number for 1973 birth year for male. First, you add 7 and 3. You will get 10. Then, you add 1 and 0. You will get 1 which is a single digit. You subtract 10 by 1. And, the Kua number is 9.

For female, the calculation varies slightly. You add 5 after you add the last two digits of the birth year. For example, 4 is the Kua number for 1973 birth year for female. First, you add 7 and 3. You will get 10. Then, you add 10 and 5. You will get 15. Next, you add 1 and 5. You will get 6 which is a single digit. Finally, you subtract 10 by 6. The Kua number is 4.

Eight Characters

The eight characters are more commonly known as Ba Zi. The astrologers look at the eight characters to tell the useful element. There are three commonly way to use the eight characters. First, the astrologers find any lacking element to complement another element. For example, the wood is a lacking element. The astrologer finds a name that is associated with wood such as timber, branch, forest, and bark.

Second, the astrologer finds the required element. For example, the word requires water and earth. The water is a missing character. The astrologer supplies a character associated with water.

Lastly, the bad baby names are used to ward off evil spirits on the old days. They believe the evil spirits lose interest with a bad baby name. For example, rat, and snake are good example.

Yin and Yang

The Chinese characters compose of strokes. In Feng Shui, the total number of strokes also matter. Depending on the school, Feng Shui master tells you the correct number of strokes. The Ying is the even number of strokes, while the Yang is the odd number of strokes.

Ovulation Days For a Baby Girl Conception – A Concrete Example

The other day, I received an email from a woman who told me that she was wanting to conceive a baby girl and she had a few questions about how to best accomplish this. Specifically, she wanted to know "the best ovulation days to get a girl baby." My response was to tell her that, to put it very basically, she had to figure out her exact ovulation day and then count back three days from there. She had some more questions like: "how many days after my menstruation cycle does this occur ?;" "How do I know when my ovulation day is ?;" and "how will I know that I've actually ovulated?" I'll try to answer these questions in the following article.

Ovulation In Relation To Your Menstrual Cycle: Many women ovulate mid way through their menstrual cycle. So, if you are extremely regular and have a 28 day cycle, the egg's release would have occurred somewhere around day 14. But, this is not always the case for all women. In fact, it's very common to vary sometime from month to month. This is why I really prefer to use predictors that measure your bodily fluids (saliva, blood, or urine) to tell you when the hormonal changes occur that give you some warning.

From my own experience, a saliva kit showed me that I was actually ovulating very late in my cycle – sometimes as late as day 23, but I've had readers tell me that they become ready as early as day 10. So, it's very important that you find your own unique cycle and you understand that what happens one month may not be a carbon copy of what happened the previous month.

The Best Way To Pinpoint Your Ideal Conception Day If You Want To Conceive A Girl: Hopefully, I've already established that you're aiming for three days before the egg's actual release. Determining that day before it actually happens can be a challenge. If you are using a urine predictor, you'll sometimes get a faint, light line before the darker, positive line occurs. Begin trying to conceive once you see this fault line.

Or, if you've been testing regularly, you'll often see some sort of pattern as to how the line looks before your actual target day. And, if it is occurring on the same day every month, then you can be pretty confident that you can begin trying three days before that re occurring day and hit the window with a decent degree of accuracy.

Alternately, if you're using a saliva kit, most of these will come with a little example booklet that will show you examples of not only how the slide will look on the actual day the egg is released, but also how the slide should look up to seven days out. Just follow the booklet until you get to the picture that demonstrates three days before. You'll become a pro at this in a very short time, no matter which method you chose.

An Actual Example: So, I'll use myself as an example of picking the right day. Let's say that the last day of my menstrual cycle was on March 31st. I would begin testing my saliva around April 9th ​​just to be sure that I was starting early enough. Knowing myself, I suspect that I would not begin to see changes in the screen until around April 19th or so. And, I probably would not get close to the "three days before" picture until around April 21st or 22nd, but during this 5 day period, I'd be testing myself several times per day. Once I was sure I was in that three day window, I would begin trying to conceive.

However, I would not stop there. I would continue to test because I still need to know the exact day that my egg is released. Once I get this positive, I would stop having an interval because by then, the window would have closed and if I went past it, I would increase my odds of having a boy.