Hey Baby Boomers! Add to Your Retirement and Change The Lives of the Next Generation

What if you could take all your experience, all your wisdom and your business and inter-personal skills and share those with people in their teens and twenties? Who would benefit more? You both would!

This is what I have been doing since 2001 as a part time vocation and full time since 2011. I have to tell you that nothing I have ever done (and I have had a great deal of successful endeavors in my life) has ever felt as good.

What is this job called? A Life Empowerment Coach. Not a life coach. Not a therapist. Not a pharmaceutical dispenser but a Mentor. Someone that has been in the life of clans, groups and tribes for thousands of years until mid-1900’s, a person of a certain age, not tied up in the day-to-day drama of a young person’s life but someone who can help guide them on their own personal path.

This system is simple, powerful but requires a new way of thinking.

What do you tell a young person who is smoking pot 5-6 times a day and wants to do well in school?

How do you respond to a person who tells you that everything they have been telling you for the last six months was untrue but now they are ready to move forward?

What do you do when a person tells you they are thinking of stopping to use their psychiatric meds?

In each of these cases the answers would probably shock you but they worked in helping these young people stay on track and move forward.

The secret is a daily routine comprised of whatever the client wants (to begin with) and eventually includes something self-reflective, something physical and something creative. As they struggle with all the things that stop them from pursuing their goals each and every moment, they learn how to make the medium term goals (they are not ready for long term) and to work on the slow burn.

If this is something that interests you, talk to us about your desire to be this sort of Life Empowerment Coach. You will be required to rise above one to three personal challenges first and see how the system works for you and then learn how to transpose that system for the many different learning styles that there are.

And then you will change people’s lives in a way that is long-lasting, adaptable to all the challenges and opportunities that will come their way and you will have become a true Mentor.

Baby-Boomer Weight Crisis is Crushing Millennials With Taxes and Debt – Triple Pundit (registration) (blog)

Bill Roth, author of The Boomer Generation Diet“Telling it like it is,” was sports journalist Howard Cosell’s mantra, which he breached to the baby boomer generation that joined him in making Monday Night Football a national party night. In the spirit of “telling it like it is,” this is what the numbers now say say about the baby boomer generation: Medicare (which baby boomers are signing up for in record numbers to avoid soaring health care costs) is projected to spend 72 percent more for the remaining lifetime of a typical 65-year-old in 2030 than a 65-year-old in 2010. Obesity is a major reason why. Almost twice as many baby boomers will suffer from obesity in 2030 compared to 2010.

Reducing the national debt and government fiscal responsibility is a major baby boomer focus. Yet Social Security and Medicare now represent two-thirds of the annual federal budget. Medicare alone equals about 25 percent of all government spending. The “tell like it is” numbers are squarely pointing the finger at the boomer generation as the cause of spiraling government expenditures. Their lifestyle, and its unintended weight-related health consequences, is the greatest threat to our country’s ability to balance its budget and the future prosperity of our children and grandchildren.

The baby-boomer weight crisis

Today 72 percent of boomer men and 67 percent of boomer women are overweight or obese. By 2030, this generation will experience almost double the incident of having all three chronic conditions of hypertension, heart disease and diabetes. These three chronic health conditions are tied to this generation’s weight gain. The boomer generation is in a weight crisis that is about to go over the health care cliff.

Baby-boomer health care is creating a national financial crisis

The baby-boomer weight crisis is rapidly moving past their burden of buying plus-size clothing. Modern medicine will keep them alive longer than previous generations even with their increased need for care due to their weight gain. Their increased health care cost will push America into a debt crisis. One driver will be paying for extended medical care to medicate the life choices made by the boomer generation. The second driver will be the increased gross amounts the boomer generation will be paid from Social Security by living longer.

Here’s “the tell it like it is” projection for Medicare costs. Medicare spending is projected to grow four times faster between now and 2024 than it grew between 2010 and 2014. Medicare spending is projected to grow almost a full percentage faster than our country’s economy.

The boomer generation’s lifetime of weight-gaining choices will force the millennial generation to pay higher taxes to sustain government spending. This tax burden will be a significant negative factor in terms of economic growth and a burden on the millennial generation’s ability to realize their American Dream.

What millennials must do to preserve their future

The numbers are stark. For the next 30 years, it is not enough for the millennial generation to adopt sustainable best practices. Their actions will push our national policy and economy toward sustained economic growth, improved human health and environmental sustainability. But to actually realize these results will require boomer generation engagement.

This is because the boomer generation continues to be large in numbers with behaviors that are still too unsustainable. The reality is that sustainability for our economy, human health and environment cannot be achieved without boomer generation engagement. What every millennial must do is engage the boomer generation to help them adopt sustainable life choices.

It can be done. My millennial generation kids did it for me. But it was not easy. We boomers are very sure of ourselves and self-focused. Appreciating how hard it will be for my generation to change, I wrote “The Boomer Generation Diet Book.”

Market researchers define the boomer generation as the “have it all” generation. The Boomer Generation Diet explains, in their terms, how they can lose weight, have fun and live more+. Here’s what Jen Boynton,  editor in chief of TriplePundit, says about the book:

“Written in Bill Roth’s lovable, relatable tone, ‘The Boomer Generation Diet’ is a must-read for any boomer who is looking to jumpstart their health and have fun at the same time. I hope my parents read it!”

Millennials, you have tried taking them to Chipotle. You have tried lecturing them about not drinking Diet Coke. Keep trying, but consider giving them a book written for them by one of them. It will open their eyes, and hopefully their hearts, before it is too late for them and for you.

Image credit: Bill Roth

Baby Boomer Defined – 3 Ways To Identify Baby Boomers

A baby boomer is a person who was born during the post Second World War years, an age marked by an unusually high number of births and a rise in economic prosperity. An estimated 79 million babies are believed to be baby boomers.

In the United States, the term “baby boomer” also refers to people whose date of birth comes prior to the Vietnam war and after the Second World War. Therefore, baby boomers in America might belong to one or more generation. “Baby boom” is a special term that embraces not just the population, but also the American culture.

1. Classifying Baby Boomers

Baby boomers are classified in a number of ways. Steve Gallion, author of Boomer Nation, puts baby boomers into two categories: those born between 1945-1957 and “Shadow Boomers” born between 1958-1963.

Many people don’t consider “Shadow Boomers” as an apt term to be used with reference to baby boomers. Instead, they prefer the term “Echo Boomers.”

William Strauss and Neil Howe, authors of Generations, opine that those born between 1961 and 1964 impact political as well as cultural patterns, just like those born between 1955 and 1960.

The writers also mention a “thirteenth generation,” called “Generation X” or the “generation of Cold War” referring to people born between 1961 and 1981.

Some are of the opinion that the generation of baby boomers originated during the Vietnam war. At the same time, many people believe that musical groups such as the Beatles, Hippies, and the Motown Sounds are characteristic of the age of the baby boomers.

2. Explaining the Baby Boomer Phenomenon

The Great Depression and the Second World War created great fear and uncertainty. A number of unmarried people were forced to put off their marriages. On the other hand, married couples had to delay giving birth to a baby.

After the Second World War, the economy of the country improved. The period between 1950 and 1960, marked as it was by economic prosperity, was the right time for the birth of a number of babies, which led to a “Baby Boom.” Baby boom is also simultaneous with a boom in the construction of buildings such as houses, schools, and shopping malls.

The rise in population and the growth of families prompted mass migration of people from cities to suburbs during the years that following the Second World War. National culture also received an outlet as reflected in the appearances of baby boomers when they entered into their youth. The culture of the nation was defined by the way they dressed, wore their hair, their political ideology, and even the type of music they preferred.

As the baby boomers grew older, their purchasing power grew, and a variety of companies could make large profits. When they reached the age of retirement, the resources of the public were almost depleted.

3. Baby Boomers in their Old Age

We have an interesting assortment of highly educated, spoiled, lazy, immoral, hippie, and many more types of baby boomers. All of them are now aged fifty or above and can be considered as senior citizens.

According to the ABC News report of January 10, baby boomers have succeeded in redefining the term “aging.” Compared to the generation that preceded them, baby boomers are better educated and healthy and have a unique passion for life. They are expected to live to a ripe old age of 80 or even beyond it.

Undoubtedly, the age of the baby boomers that began with a raised birth rate and a heightened economy during the post Second World War period is remarkable.

Impact of Baby Boomers on American Society

Demographers’ defined the baby boom as a birth surge started in 1946, after the World War II and reached its peak in 1957 and continued until 1964 because of the postwar prosperity. Most people uses “generation” as their term but demographers precisely referred it as “cohort” (group of individuals experiencing a certain event within a specified time). This reveals that social changes interconnect with the life of every baby boomer.

There two groups of baby boomers. The babies born from 1946 to 1955 were called early boomers. Those who were born from 1956 to 1964 were called as late boomers. The last set were born during the first tour of Beatles in America and the first early ones was approximately 18 years that time. They are were noticeable because of their big populations. They crowded junior high, elementary schools, high schools, labor market, and colleges.

Studies show that the impacts brought about by the society where baby boomers grew up contributes a lot in reshaping the society. They never think like their parents. Because the population of these cohorts is unprecedented during the 20th century, their beliefs and behaviors are then predicted to dominate things.

But there is also a great discrepancy in terms of economic status between early and late boomers. Compared to the energetic job market and emerging economy laid beneath the feet of early ones, late boomers needs adjustment on economic shifts. It is due to the rapid growth of service sectors, jobs for middle class became less stable, changing locations of workers, and career market adjustments.

Most are considered economic security as an elusive thing. They are the people who were born after the era of civil rights. Conducted studies even reveals income differences according to ethnicity, race, and birthplace creating ethnic classes. It was because one third of the population are Hispanic, African-American, or Asian besides the black and white Americans. Take for instance, the black boomer’s generation are considered inferior than whites, although the generation were rated the best in terms of education.

It is a fact that the life was accompanied by postwar transformations changing the American society. The ideas about sexuality, gender, and family were altered profoundly. Likewise, parenthood changed, old age and retirement was redefined, and labor forces were transformed. Even in their old age, they seize opportunity to stay involved and active like staying in their work force to meet the responsibilities of supporting their children.

The changes in the society were never brought solely by the stereotype but also the conservative types like Seth Grossman. They expressed themselves through street protests while the conservative use other forms such as leaflets, student newspapers, and forums. Although their actions did not attract the attention of media but they achieved their success when they forced a referendum which resulted in the withdrawal of Duke students from the National Student Association.

Conservative may not be a part of the projected boomer’s image but they became a strong force in making their way silently. They are not even in the front page of the newspapers because they still attend their class while others were boycotting. Nevertheless, they have supported conservative politicians like George Wallace in 1968.

One third of the populations of early boomers served during the Vietnam War. Other made a name in different fields throughout history. Joyce Johnson was an African-American who belongs to the stereotype her activist work in her graduate school. When she entered Duke School, she sought for advancement not only for herself but her entire race. She belongs in the Afro-American Society involved in the iconic events in the Duke campus during the 60s. Grossman and Johnson are baby boomers who contributed great change in their society.

Deep understanding about the baby boom generation is very important as they advanced on to their old age. It should be more of demographic curiosities because if demographic bulge move continuously on the system, then economic differences also persists. They once do their best in shaping the society providing significant impacts on the lives of many people besides themselves.

Nailtorial: French Ombre (Baby Boomer) Tip and Coffin Shaped



Hello! I have a quick tutorial on how I like to achieve the French ombre/baby boomer acrylic nail effect. It was difficult for me to record and get a perfect application but overall, you get to see my method and also my nail prep 🙂 Excuse the camera shakiness -_-

I used YoungNails Cover Pink and Peach mixed together for the nail bed color

I used a natural/sheer white from a local nail supply brand (I plan on purchasing YoungNails soon)

I used Poochiez Nails #16 Kolinsky brush

Ceramic safety bits from TodacUSA

Please follow me on IG @tabythascott_nails

Don’t forget to thumbs up, subscribe and ask any questions 🙂

20 Things Baby Boomers Can Save Money On in 2016 – Go Banking Rates

dependent care tax breaks

The generation known for rock ‘n roll, free love and flower power is close to or already in retirement. Baby boomers — those born between 1946 and 1964 — will be between the ages of 51 and 70 in 2016.

If you’re a baby boomer living on a tight budget or fixed income, saving money matters more than ever. Here are 20 things that baby boomers can save money on in 2016.

See: 19 Easy Ways Baby Boomers Can Build Their Credit

1. Use Health Savings Accounts

A health savings account allows you to contribute pre-tax dollars into an account that can only be used for qualified medical expenses. The funds roll over from year to year if they are not spent. Moreover, those unspent funds will grow tax-free, allowing you to develop a cushion for most medical expenses during retirement.

Read: 11 Most Expensive Diseases in the U.S.

2. Buy Long-Term Insurance Premiums

In order to deduct medical expenses on your taxes, those expenses must exceed 10 percent of your income. Purchasing long-term insurance is one way to help meet that threshold because the premiums are typically tax deductible. People over the age of 61 can deduct up to $3,900. For those earning $50,000 per year, that deduction could push you over the limit when combined with other medical expenses.

3. Tap Free Tax Help

If you pay an accountant to file your taxes each year, consider taking advantage of the Tax Counseling for the Elderly program, which provides free tax preparation help for those age 60 and older. Considering that the average cost for a tax preparation service is $273, using the program is an easy way to save.

4. Claim Dependent Care Tax Break

If you’re taking care of grandchildren full time, or you’re supporting them financially, you might be able to claim them as dependents on your tax return. Talk with a tax advisor to learn about deductions for which you may qualify.

5. Take Tax Deduction for Dependent Parents

Perhaps it’s not your grandchildren but your elderly parents for whom you’re caring. With people living longer, many older adults are moving in with their adult children for financial or health reasons. As a taxpayer, you may be able to claim your parents as dependents in addition to your own children.

According to IRS requirements, you must have provided more than half of your parents’ support during the tax year in order to claim them as dependents. You would calculate the fair market value of the room your parents occupy in your home, as well as the cost of food, utilities, medical bills and general living expenses that you pay on their behalf. There are other qualifications to consider as well.

6. Offer to Research Tuition Assistance

If you are struggling to make ends meet and can’t afford to help your child pay for college expenses, then offer assistance in other ways. For example, help them find scholarships and grants. Contribute to the cost of their college textbooks. If they’re older and have children of their own, offer to babysit free of charge while they attend class. Try to avoid taking out a Parent Plus or Direct Loan for your student if you’re not in a position to do so.

7. Shop for Deals

Whether you’re in the market for a new pair of shoes or a personal loan, it’s always best to comparison shop to find the best deal. Doing your homework by comparing loan terms, fees and interest rates can save you thousands of dollars over the life of the loan. Likewise, comparison shopping for the smaller things in life can also save you substantial money over the course of your lifetime.

Related: 35 Secrets to Saving Money in 2016

8. Avoid Bank Fees

Consumers incur bank fees for using out-of-network ATM machines, overdrafts and for falling below the required minimum daily balance. Avoid these fees by finding a bank that suits your money management style. For example, some banks allow you to withdraw money from any ATM and will reimburse the fee charged by the other bank. Some offer free checking or no minimum balance. With careful planning, bank fees can be avoided.

9. Exercise Outside

Smoking, consuming too much sugar or saturated fat, and failing to exercise are all unhealthy habits that can lead to chronic medical conditions and rising health care costs. To help trim your waistline and your medical expenses, adopt a healthy lifestyle. Quit smoking, cut down or eliminate meat from your diet and start exercising daily.

You don’t have to join a gym to get a good workout. Exercise at home or walk outside. A recent study found that walking 20 to 25 minutes as part of your daily routine can add seven years to your life.

10. Eat at Home

Not only does cooking and eating at home save money, you’ll also benefit from the healthy ingredients you choose for recipes. Consider eating more vegetables, beans, whole grains, nuts, fruit and other power-packed ingredients. Dining at home rather than in restaurants can save you hundreds of dollars a year.

11. Drink Less

Americans on average spend 1 percent of their income on alcohol, USA Today reported. Save money by curbing or eliminating your alcoholic beverage intake. If eliminating spirits altogether isn’t something you want to do, then find deals or promotions to save money on those purchases.

12. Use Costco for Entertainment

If you have a Costco membership, you can save money on restaurants and movie tickets. Costco often sells $100 worth of restaurant gift cards for $79.99, a deal that’s especially popular around the holidays. You can also pick up a four-pack of discounted movie tickets to AMC, Regal and Cinemark theaters.

13. Make Your Home Energy Efficient

By making your home energy efficient, you can cut your energy bill by 20 to 30 percent. Consider caulking windows and doors to retain heat, switching to energy-saving light bulbs, changing the air filters often, and using Energy Star appliances.

14. Stay with Family or Friends When Traveling

Baby boomers reportedly took an average of four to five trips in 2015, and most trips were within the U.S. When traveling, consider staying with relatives and friends instead of booking a pricey hotel room. Not only will you save money, you’ll also get to spend quality time with loved ones.

15. Negotiate Your Bills

Try negotiating with service providers to see if you can snag a deal on your cable and internet plan, your cell phone package, your lawn care service and other bills. You might qualify for a senior discount or get a special promotion the company is offering. It never hurts to ask for a discount.

16. Purchase a National Park Pass

People aged 62 and older can purchase a National Park Pass for just $10 per year. The pass provides admission to more than 2,000 national parks and federal recreation sites. Older pass holders might also qualify for discounts on camping and other amenities. If you’re looking for affordable vacation destinations, purchasing a National Park Pass can set you on your way.

17. Keep Your Credit Score High

It’s in your best interest to pay your bills on time and maintain a high credit score. If you need a loan in your later years, the interest rate will be determined by your credit score. So having excellent credit, with a score of 740 and above, will qualify you for the best rates, saving you potentially thousands of dollars over the life of your loan.

18. Pay Off Credit Card Debt

The average baby boomer has more than $8000 in credit card debt. Assuming an interest rate of 15 percent, baby boomers could be spending more than $100 per month in interest alone. By paying down your credit card debt, or switching to a 0 percent interest credit card, you could save more than $1,000 per year. Making purchases with cash, rather than with credit cards, could also boost your bottom line.

19. Ask for the Senior Discount

When shopping, dining or going to the movies, always ask for a senior discount. Typically, this discount is reserved for those age 55 and older. Kohl’s, for example, offers people aged 55 and older a 15 percent discount every Wednesday in store. Boston Market, Chili’s, Dairy Queen and Subway also offer these types of discounts.

20. Pick Up a Side Job

If you’re nearing retirement or are already in retirement and need some extra cash, consider picking up a side job. You could do contract or freelance work for your former employer, work part time at one of your favorite stores. You can also start a side business from the comfort of your home.

Uñas Acrilicas Baby Boomer | Natos Nails



Uñas Acrilicas Baby Boomer, Natos Nails

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Where Are The Baby Boomer Statistics For Good Eating?

There are baby boomer statistics of all kinds. The group of people born between 1946-1964 who collectively make up this group are about 25% of the population, according to the 2012 census.

We’re a force to be reckoned with!

Just try to find a statistic about what we consider good eating. It doesn’t exist.

Heck with statistics. I’ll share what I think is good eating.

I make no claim that what I say is scientifically or medically correct. It’s my opinion. It works for me and has for a long time.

Organic is best

First, organic is the way to go whenever possible. Yes, it costs more but it’s an investment in yourself. It’s worth it. It doesn’t mean that simply because it’s organic it’s healthy, but all things considered, organic is safer because it will not have chemicals and additives that conventional food probably has.

If you can’t find or don’t have organic, get as close to it as you can. Avoid packaged or processed food. Read labels. If you can’t pronounce the ingredients and/or don’t know what they are, don’t buy and definitely don’t eat it.

The term “all natural” is a bit misleading. It’s not regulated. Organic is very regulated. I believe that what is considered safe in this country really means it has not yet been proven unsafe.

Believe what you will.

Whole Food

I am not promoting the grocery chain, although I’ve been known to shop there.

Don’t buy or eat low-fat, non-fat, diet, or anything that claims to be healthier because of what company has done to make it healthier for you. It’s not healthier. If something has been taken out, something else has been put in to make it taste good. It’s probably been salt or sugar enhanced. Also, the process used to remove whatever has been removed probably involved chemicals.

Avoid wheat!

What I’m saying is eat food the way God/nature made it. Enjoy it for what it is. Moderation is the key but enjoy food to its fullest extent.

It’s part of the 5 F’s

Hearty breakfast suggestion

Two toasted slices of gluten-free bread, generously buttered (real butter), with melted, shredded cheese on top of that, quarter or half an avocado, one or two eggs fried over-hard in olive oil, pomegranate seeds, and blueberries, bacon, lettuce and tomato are optional.

Slice the avocado in thin slices, six slices is optimum. Place two or three slices on one of the buttered and cheesed pieces of bread.

Place a fried egg on top of the avocado.

Place the remaining slices of avocado over the egg if having one egg. If having two eggs, place half the remaining slices of avocado between the two eggs and place the remaining slices over the second egg.

Put the other piece of toasted, buttered, cheesed bread on top to make a sandwich.

Place a random amount of pomegranate seeds and blueberries on the plate next to the sandwich.

What next?

Go for it!

Post-Retirement Money Pinching for Baby Boomers: What to Do to Survive

Sometimes life has a way of kicking you when you are down. It is almost expected by the time you retire, but maybe you feel like you have things worked out and you are prepared for the worst.

Unfortunately, odds are that you’re going to feel pinched at least once.

Whether it’s because of a health scare of an unforeseen accident or a new roof needed on your house, you’re going to need money. And while selling your blood to the local blood bank might sound like a feasible idea, it’s not going to get your head above water.

So what do you do?

A Reverse Mortgage

One of the most common ways to gather fast funds could be to take out a reverse mortgage. While this may not sound like an optimal solution, in the event of something almost catastrophic, it could be your only source of quick bucks.

Basically, with a reverse mortgage, you take money against your home. If you own the home, you basically take a lump sum or payments from a financial institution in exchange for a sort of lien.

There are multiple benefits to that, of course.

• You will receive funds quickly and usually in enough quantity to take care of any sudden expenses that could arise without warning.

• You get to stay in your home and enjoy it. It’s not selling your home, but taking a form of payment against it.

• The mortgage companies that specialize in this are easy to find. You really only have to watch television for a limited amount of time before some celebrity is seen parading their sponsor’s product, complete with spiffy toll free number, before your eyes.

However, there are some drawbacks. Not only are they drawbacks, but they are quite major in terms of potential impact.

• It is a loan and it will need to be paid back. There have been horror stories concerning people’s homes being lost to the companies upon their deaths, leaving their heirs with nothing. This could be a drawback if the home is a family home, one with generations of history and memories.

• Like any loan, there’s going to be an interest rate. No one has ever mistaken a loan shark for a dolphin, coincidentally. You have to know upfront that this isn’t free money and that it has to be repaid one way or the other. If you take this loan, or mortgage, know that you will need to budget for payment or a lump sum payout if you want to avoid any potentially greater negative outcome.

If you can deal with a mortgage and feel that your financial predicament is short-term, this sort of reverse type plan could be more than beneficial for you. In fact, it could save your shirt. But if you see a long-term issue, be aware that you are putting your home on the line.

Selling Your Vacation Home

Many people once they have hit retirement age have managed to accumulate assets. Some of them could be large, such as a vacation or rental property. If faced with an unexpected financial obstacle, unloading something could help alleviate the stress.

There are multiple bonuses to doing something like this; several of them could long lasting and more significant than previously thought.

• Selling a vacation home would give you surplus of funds. It would allow you to pad your bank account for a good while or at least offset a sudden, painful financial issue.

• You would no longer be responsible for the upkeep on the property. Saving on homeowner’s associations fees, if applicable, as well as utilities and taxes can help even more. Even a few thousand dollars left over at the end of the year could help you in all aspects of your life, be it paying for insurance or medications that you might need.

• You will also remove some worry you have by having additional property. You won’t have to worry about maintaining it, you can drop the home insurance, and stop worrying about security for an unoccupied dwelling. On top of that, many prime vacation spots lie on the beaches or in areas of bad weather. No longer will you have to watch the hurricane reports and worry that, somehow, your roof is going to end up floating through the center of downtown.

Like all things, however, there are drawbacks.

• If your second home is used for rental income, you have to consider that you will no longer have that additional income per month. If your budget is reliant on the influx of cash at regular intervals, you have to make certain that you can go without the stipend or else your financial windfall will be for naught.

• You are losing a major asset. If you sell your second property, you will be relieved of the stressful side of it, but you will also lose the good things. No longer will you have that snazzy condo next to the beach to fall back on. Your children won’t inherit it, and it can’t be used as collateral later in the event of something else.

Giving up a second piece of property isn’t a decision to be taken lightly. You might find yourself regretting giving up that oasis, especially if you happen to thoroughly enjoy the use of it. You have to consider that, if you do sell it, will the financial results warrant giving up the joy and flexibility that the ownership allowed.

Unload Your Unused Assets

Odds are, you have accumulated more than real estate. Many people hold onto cars well past their prime and that’s a good thing. Antiques are in! That boat of a sedan that you purchased new 25 years prior may actually be worth more now than before, something that could potentially shock and awe your spouse. Even baseball cards or collectibles could net you a quick few bucks. Luckily, at your age, you’ve most likely kept something at some point that you thought might be worth something one day. That day, my friend, has come.

Nostalgia is a growing market. Shows such as Pawn Stars and anything on the History Channel will show that people like to remember days long past. How many times have you passed a shiny 1957 Bel Air and thought of poodle skirts or hot rods? Even if you weren’t alive, or old enough to enjoy, the 50s and 60s, antiques resonate with the public. As a result, things have value. Like a drug or a drink, people want to feel good, to enjoy themselves. If you’re sitting on, or in, a classic car, you might as well cash it in if you aren’t using it. Your pockets could become extremely flush if you do, and that’s something that could help you get over that mid-life hump of a financial crunch.

However, before you sell that signed poster of the Rolling Stones, ask yourself if you can part with it? Really part with it? With obtaining property, collecting things, people collect memories. Selling a baseball card isn’t like selling a newspaper. If you sell a baseball card that your father gave you for your birthday, are you going to be okay with that later? Are you going to miss it? If so, odds are you can’t replace it. You might find another Mickey Mantle, but it won’t be that Mickey Mantle. Like all things, you have to decide if you can live without it. If you can’t, there are other options.

Taking Lump Sum Payments

There are businesses that exist only to give you money–with a catch, of course. If you have a settlement, or even a long lasting retirement account, odds are that some business will offer you cash upfront in exchange for your payments.

Before you go laughing all the way to the phone, then the bank, you need to stop and consider that for a moment. Sure, you’ll have the money in hand, but at what real cost?

• No one gives money away for free, and these companies are no exception. It may be your money, and you might need it now, but they aren’t going to give you all of it. Many companies will give you a fraction of the actual worth, almost preying on your need for assistance. They are not necessarily in the same category as loan sharks, but they are definitely going to get their share of the apple.

• You cannot just undo it. If your $500k annuity just turned into $300k or less, there’s no going back. If you take the payment, that’s what you have. It is gone with no further recourse, no payments, no anything. You have to stop and think about that for the future as well as the present.

• Again, these companies are in it to make money. With hired spokesmen and huge amounts of airtime, you know they have to take their pound of flesh and do so very liberally. Always read the fine print and go with a company only after researching it and making sure they are on the up and up. And remember, just because it’s on the internet doesn’t mean it’s necessarily true.

Like all ways of obtaining fast cash, you have to think it through. Don’t rush, take your time and really make a checklist about what you need, why you need it, and what you’re willing to give up in terms of long term financial freedom in order to acquire a quick fix for your predicament.

If You Just Need a Little Help

There are times when it is not so dire that you are willing to sell your estate to keep above water. There are times when you just need a little help with the bills or with the expenses you might have.

• Consider downsizing your home if you are not truly attached to the place where you live. Shaving off the additional square footage could not only save you in terms of property taxes and utilities, but downsizing could net you a profit that could help finance the remainder of your retirement.

• Snip any unnecessary expenses by strategizing. It’s becoming far more common for people to get their entertainment via the internet rather than cable or satellite. Sometimes those bills alone are 100 or more dollars per month. While it does not seem like much, it could help with a tightening budget.

• If you’re really desperate, don’t hesitate to apply for assistance. Programs were created to help, and if necessary food assistance, even utility assistance can help keep your head above water.

The main point is that, if there’s a will, there’s a way. If you don’t need it, or want it, you should sell it. If it’s too big, downsize and get something more manageable. You should be focused on enjoying your retirement more than anything else and financial woes should be the least of your worries. Strategize about what is truly necessary for you to be happy and work from there. As long as you pay attention to companies that prey on desperation and think three steps ahead, you should be fine.