The Number 1 American Bull Dog Health Problem

American Bull dogs live long and happy lives when provided with the proper health care, which includes, diet, vaccinations, exercise and grooming. The American Bull dog health problem usually comes from improper health care. The cardiovascular problems along with the joint problem do not affect these smaller dogs as they do the larger dogs. Some studies have suggested that larger dogs have more hormone growth than the smaller, which is believed to shorten the life span.

The number one health problem for this breed of dog is diet. Coming up second in the care of the American Bull dog is the vaccines needed to remain healthy. Because these small dogs need less exercise, the diet needs to reflect the need for less food than a dog that has more exercise needs.

Feeding Your American Bulldog

Some believe that dogs can eat the same foods as what we do; this may result in improper nutrition that is supply by dog food. Because dog food has the necessary nutrition and vitamins needed to maintain a healthy life, food ingredients need to be checked before feeding to your dog. Because a dog’s digestive system has fewer problems digesting raw foods rather than cooked foods, dog foods contain additives that attract the dog’s attention.

The American Bull dog health problem with food is that they like foods such as oatmeal, cheese, eggs and fresh meats like poultry and beef. Unbelievably they also like fruit and vegetables, but they prefer uncooked foods, but do eat prepared foods, as will any dog. Are the foods that we eat are safe or not for the American Bull dog? This question has many viewpoints from many different veterinarians and breeders. The choice is yours when caring for your dog.

Vaccinations, The Number 2 American Bull Dog Health Problem

Keeping your Bulldog up to date on vaccinations is vital to their health and maintaining a healthy life without disease and even death. Viral diseases affect dogs that receive no vaccinations against such contagious diseases. The vaccinations protect the dogs against distemper, rabies and the parvovirus. In most states, the dogs will also receive heartworm pills to prevent the attack of heartworm.

Before a heartworm treatment is started, the dogs are checked to make sure they do not already have the health problem. If a dog has contacted heartworm already, prevention treatments may kill the dog, therefore, a test by the veterinarian will determine the dog’s status. Do not take vaccinations and heartworm treatments into your own hands, a vet is more qualified than you are to diagnose and treat the American Bulldog.

You have a beautiful dog that relies on your care and love to survive, the American Bull dog health problem does not have to be a problem when you take the time to learn about the care and grooming of these dogs. Always remember proper nutrition and exercise along with vaccinations keep your precious Bulldog healthy and happy.

Baby boomers making a difference

Jim and Arlene Moorehead are no strangers to community involvement. For decades they served on nonprofit boards and county commissions, Jim most recently on the Community Foundation board and Arlene on the Mendocino Film Festival board. Having lived both on the coast and inland, they have an appreciation for all of Mendocino County.

Through their participation on nonprofit boards, the Mooreheads became familiar with most of the IRS rules regarding charitable giving, but they hadn’t paid a lot of attention to the tax ramifications for the required minimum distributions on retirement accounts. “I guess you don’t pay attention to some of these things until they affect you directly,” says Jim.

“In the past few years we have had to withdraw money from our IRAs and pay taxes on the withdrawal amount, which meant that quite a bit ended up going to state and federal taxes. After working on local issues like broadband, I know that federal and state governments are often not responsive to local needs, especially in rural communities. So when I read the article about Roger Foote and Chuck Vaughn using their IRAs to open a fund at the Community Foundation, it rang a bell. Transferring (or ‘rolling over’) the required IRA distribution to selected and qualified local nonprofits and having it be used for projects in our county seemed like the right choice. We’re fortunate — we don’t need all of our retirement funds to live on, so why not give some back — tax-free — to this place we love?”

Local philanthropy is a key selling point for Jim and Arlene. Arlene remembers when they both worked for a big corporation and gave money through payroll deductions to a national charity. “That was during the time there were scandals involving some of the big charities. At that time I realized it made sense to switch our giving to our own community so we can see how much of a difference we are making. We support the ‘shop local’ movement and the ‘local food’ movement, so local giving goes along with that.”

To complete the IRA rollover, the Mooreheads contacted their financial adviser who arranged the paperwork. They decided to give directly to six local charities and six funds within the Community Foundation. The largest distribution will “seed” a new endowment fund that will provide ongoing help for seniors.

Arlene explains, “We like that the Moorehead Fund for Seniors can pool gifts from many folks, and we chose seniors because ‘we are one’ and thought other aging baby boomers might also be interested in contributing to such a fund. When I delivered for Meals-on-Wheels several years ago it was a real eye opener for me when I saw how many seniors are living on the edge.” Jim adds, “Services are often few and far between. When a friend of ours from the coast needed radiation treatment, he had a great network of friends with cars who provided transportation over the hill. It made me think of what happens to people who don’t have the same resources or network.”


In terms of the many causes and organizations they intend to support, Jim and Arlene are practical. “This will be a test year,” Jim says. “We are giving to well established organizations as well as to some start-up groups. We’re willing to take some risks and see how they do, and then evaluate again next year.”

Arlene adds, “A lot of our giving also stems from knowing people who serve on boards and having admiration and respect for their work. Overall we feel fortunate to be able to help. It makes us feel so good that we wonder why we didn’t do this before now.”

If you would like to discuss the charitable IRA rollover, or to talk about creating an estate fund with the Community Foundation, please contact me at [email protected] or call 707-468-9882. The Community Foundation of Mendocino is a nonprofit organization that offers many options for individuals to give back in ways that make a difference in our community. To learn more, visit

Megan Barber Allende is the chief executive officer of The Community Foundation of Mendocino County.

A unha mais famosa de 2017! Aprenda a fazer! Segredos de Manicure……

Olá Topcures tudo bem? Esse ano as unhas nos surpreenderam, fracesas reversas, baby boomer entre outras técnicas nos encheram os olhos, mas NENHUMA bateu o SUCESSO e a repercussão que a unha da manicure Russa Olga Galichaia fez.
As clientes ficaram enlouquecidas e manicures desesperadas para saber como se faz essa unha. Fiz esse breve tutorial para ensinar você a fazer algo “PARECIDO” com o que a nossa colega fez. Vamos considerar que ela mora em um país de primeiro mundo, onde os materiais e técnicas são muito a frente da nossa realidade, então não se cobre muito se não ficar idêntico ao resultado dela, isso não é culpa sua. Ontem (04 de outubro) passei o dia fazendo testes, e só consegui gravar esse vídeo no final do dia com o passo a passo do resultado mais próximo. Espero que você goste do vídeo, foi mais um da minha fornada feito com muito amor e carinho!
Ah, aposto que você gostou da Adelaide né? (minha mão de treino, é assim que eu a chamo carinhosamente). Vou te passar o site para a compra, entre lá e digite na pesquisa: Mão de treinamento.
Clique aqui:

Conheça os meus cursos de aperfeiçoamento online para manicures com certificado.
Clique aqui para falar direto com a vendedora pelo WhatsApp ou chame ela pelo número 41 9 9755-7005

The Beauty of Large Wall Clocks

It seems like every time I walk into a really nice home I am sooner or later confronted by one of the hot new trends in interior design: large wall clocks. They are everywhere! And there’s a good reason why: they add a real magnificence to any home in which they appear. I am seriously becoming a big fan of this take on the typical smaller or medium-sized version. Go big, that’s what I say.

The first thing you need to consider if you want to emulate this design trend is if you even have the room to do it. You really only need one thing: a big empty space on a wall. That is all you will need. (And a little cash.) If you are very stylistically inclined then you might be able to kind of wedge a large wall clock in next to some other things on the wall such as photographs or paintings, or even light switches and TV’s. But most people will probably prefer to play it a bit safer and have some space on either side of the clock.

Most people agree that large wall clocks should be classified as being at least two feet wide. This alone is quite big, approximately a third the height of a human. But you may even want a larger one than this. If so, I applaud you. Just make sure you have the wall space and do your measurements before you make the purchase. A lot of us aren’t exactly intuitive when it comes to making visual approximations on measurements. (By the way, two feet equals about 0.60 meters.)

No one can really deny the magnificence of these items. They are a great way to really do something with a big wall. Rare is the person who can make an empty wall look good without doing anything to it. You really ought to make use of this space to show something off. Large wall clocks are a new and modern way to do this. Also, no one will ever forget what time it is! It sort of has the effect of diminishing the consciousness of time in a paradoxical way. It parodies time and our obsession with it. But beyond this it tells everyone who walks into your home that you do things in a big way and you are not afraid to take chances. This is an impression that I think most of us would like to make on our guests and visitors. (It also tells people you are a bit wealthy.)

So that is my little spiel about large wall clocks and how I have become a big fan of them. I suppose not everyone will echo my thoughts, but I just think they are great. The other side of things is that if you take this plunge you will probably want to (at least over time) re-emphasize everything else that is within vision of the clock. It would be a mistake to have your house be overshadowed by one single item.


Oii genteeee, hoje mostrei pra vocês como fazer aquelaaaa unha maravilhosa que esta rodando a internett, e mostrei minha técnica e as cores que usei para alcançar esse resultado, espero muuuito que gostem!

UM BEIJO ENORMEEE e obrigada por estarem aqui ♥

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Millennials are saving twice as much as baby boomers — and they could be on track to retire richer than their parents


Millennials are really good at saving money — especially if they have kids.

In fact, US millennial parents are on track to be richer in retirement than the typical Gen-Xer or baby boomer with kids.

That’s according to a new NerdWallet study, which found employed millennial parents (aged 18 to 34) are contributing a median of 10% of their income to retirement savings.

Generation X (aged 35 to 54) is saving 8% of their income and working baby boomers (55 and older) are socking away just 5%.

The study is based on a survey of more than 2,000 American adults, including 1,112 parents and 874 non-parents. Despite the added expense of a child, 84% of parents surveyed said they are contributing to retirement savings, compared to 69% of non-parents.

50 everyday expenses you need to stop spending money on:


50 everyday expenses you need to stop spending money on

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ATM fees

“Take a bit of extra time to withdraw money from your bank’s ATM and save on the cost to withdraw your own cash or if your bank has a mobile app, use it to find an in-network ATM near you.”

Credit: My Debt Epiphany

Lottery tickets

“According to the Powerball, the odds hitting the jackpot are 1 in 292,201,338.00, and CNN cites that Americans spent $70.15 billion in 2014. Let’s save our hard-earned money.”

Credit: My Debt Epiphany


“A daily cup of joe adds up if you purchase it at places like Starbucks and Dunkin Donuts. Save by brewing at home.”

Credit: My Debt Epiphany

Credit card interest

“Maintaining a balance on your card usually you to pay interest each month. Try to pay off your credit card balance in full each month or send more than the minimum payment. As always, use your credit cards responsibly.”

Credit: My Debt Epiphany

Kids meals when dining out

“When you do dine out and if you have kids with you, be sure to take advantage of ‘kids eat free’ specials. Most restaurants have specific days of the week when they offer free kids meals.”

Credit: My Debt Epiphany

Gas station food and snacks

“Although it may be convenient, prices are always marked up when compared to other stores. So take the time to shop for food in advance at your grocery store and pack emergency snacks in your car.”

Credit: My Debt Epiphany

Pumping premium gas

“Some vehicles may not require premium gas, which is the most costly of the gasoline grades. Stop trying to be fancy, check the owner’s manual, and save.”

Credit: My Debt Epiphany

Banking fees

“Don’t pay to manage your money at a bank. Find banks that offer free banking or bank online for free like CapitalOne 360. Earn $25 when you open a free checking or high-yield savings account.”

Credit: My Debt Epiphany

Change-counting machines

“Many of us like to keep our loose change in a jar and let it collect over time. Once it’s full, don’t pay machines to count it for you, go to your bank to deposit your savings or have it exchange for cash.”

Credit: My Debt Epiphany

Wasting gas due to low tire pressure

“You may not know this, but having low tire pressure affects your mileage significantly. Save gas and money by improving your gas mileage by simply checking your tire pressure and maintaining it at the proper level.”

Credit: My Debt Epiphany

Single car washing

“Many car wash places offer a flat monthly rate for unlimited washes, so check with your local car wash to find out if they offer a monthly rate and cash in on a clean car. Or, you can get a discount when you pump your gas.”

Credit: My Debt Epiphany

Bottled water

“Unless you live in an area where potable water isn’t safe, don’t waste your money on bottled water. Often times, it’s simply bottled tap water. Buy a reusable water bottle or invest in a quality water filter, and save (plus you’ll reduce plastic waste).”

Credit: My Debt Epiphany


“It’s a tough addiction to beat, but it is a very expensive to purchase cigarettes daily. Aside from causing deadly health effects, according to Time, smoking can cost you $1 to $2 million in a lifetime. Make an effort to better your health and wallet.”

Credit: My Debt Epiphany

Gift bags and wrapping

“Reuse bags from previous occasions if they are still in good condition. We started doing this last year and no longer have to run out and by $3+ gift bags when we go to events or parties.”

Credit: My Debt Epiphany

Plastic bags fees

“For those living in an area where stores charge for plastic bags (*cough cough Chicago*), bring your own reusable one. Those cents add up!”

Credit: My Debt Epiphany

Utility bill payment fees

“Skip the line at the currency exchange or grocery store and pay online using checking account or debit card. Some companies charge to use a debit card, so schedule e-check payment, which is typically free.”

Credit: My Debt Epiphany

Travel size toiletries

“For the frequent traveler, you should buy empty travel containers and refill with shampoo, lotion, etc. as needed.”

Credit: My Debt Epiphany


“Unless you’re a student, you probably don’t really need to buy a lot of paper – reuse already printed pages and use both sides.”

Credit: My Debt Epiphany

Magazine and newspaper subscriptions

“Save money and paper by keeping up with free online news services.”

Credit: My Debt Epiphany

Paying for premium streaming music services

“In the digital age of music, don’t pay for premium services. Streaming companies like SoundCloud and Spotify allow you to listen to music for free.”

Credit: My Debt Epiphany

Buying books

“If you’d like to truly own a book, then save on the paper and extra cost by purchasing the digital version, or go to your local library and check them out for free.”

Credit: My Debt Epiphany

Library late fees

“Remember to return all materials on time. It’ll save you money and allow for other library patrons to enjoy the material in a timely manner. If you do have library fees, wait for a month when they accept canned goods as a payment method (usually around the holidays).” 

Credit: My Debt Epiphany

Brand new video games

“Skip the early release and commotion of having the latest video game. Save major bucks by purchasing a used version of the game online or at stores like Game Stop.”

Credit: My Debt Epiphany

In-app purchases

“Gaming apps are meant to entertain, and while most of them are free, don’t fall for the “purchase bonus lives” trap. In-game purchases add up.”

Credit: My Debt Epiphany

Greeting cards

“Take some time to make your own personal cards or send an eCard and skip on the expense.”

Credit: My Debt Epiphany

New phone chargers

“If you forget your charger and your phone needs to be charged, some time you’ll be inclined to purchase a new one, but it can be costly or even poor quality. Always keep your charger handy, look for a charging station where you’re at, or simply ask to borrow one.”

Credit: My Debt Epiphany

Expiration dates

“Sometimes, expiration dates may not reflect the true shelf life of a product. Don’t waste food (and money) by throwing out a product which may still be fine to consume. Check out Eat By Date and see for yourself the true shelf life of your groceries.”

Credit: My Debt Epiphany

Stuff on your birthday

“When you’re heading out and can’t or don’t want to drive, consider calling Uber or Lyft instead of calling a cab so you can save money on the ride. You can use my linkto get $20 off your first Uber ride.”

Credit: My Debt Epiphany


“Save on disposable batteries and purchase rechargeable ones. They can last up to two to three years.”

Credit: My Debt Epiphany


“Many offices, banks, insurance companies, etc, give them away for free. Save them and skip on the purchase.”

Credit: My Debt Epiphany

Garbage bags

“If your area doesn’t charge for using plastic bags, reuse the ones you get from shopping as garbage bags. I do this all the time.”

Credit: My Debt Epiphany

More house than you need

“While some families “grow into” their homes, sometimes less is more. Save on mortgage and the possibility of purchasing more for a larger home. Downsize and save.”

Credit: My Debt Epiphany

Club/bar full cover charges

“While having a spontaneous night out is fun, if you RSVP when possible, arrive early, or take advantage of online ticket sales, you can skip out on paying in full at your favorite nightlife places.”

Credit: My Debt Epiphany

Leaky faucets

“If you pay for water utility bill, according to the EPA, fixing leaky faucets saves you 10% on your bill. By ignoring it, you not only lose money every day it goes unfixed, but you also waste clean water, at a rate of 10,000 gallons per year.”

Credit: My Debt Epiphany

Fast food restaurants

“Improve your health and wallet by not eating fast food often. It may be cheap, but it adds up, especially if you eat out a few times per week. Instead, spend the money and the time to grocery shop and prepare meals.”

Credit: My Debt Epiphany

Cool drafts

“Save on heating and electric bills by fixing drafts and keep the warmth and cool in your home during the winter and summer.”

Credit: My Debt Epiphany

Unnecessary data phone plans

“Unless you need unlimited data for work, you should not spend much on your cell phone bill. I save a ton of money on my cell phone bill by using Republic Wireless.”

Credit: My Debt Epiphany

Pet food

“You may not be able to cut out this expense completely if you have pets, but you can score free cans of pet food with coupons occasionally so you won’t have to spend as much.”

Credit: My Debt Epiphany

Buying lunch

“Sometimes you’re running late for work and don’t have time to pack a lunch. Buying lunch often costs much more than preparing and bring a meal to work. Spend some time planning, purchasing and preparing meals ahead of time so they’re ready to go, even when you’re in a hurry.”

Credit: My Debt Epiphany

Leaving electronics plugged in

“Even though you may not use them often, electronics that are plugged in still consume energy. Unplug appliances you don’t you often and keep other electronics on a power strip, turning them off when not in use.”

Credit: My Debt Epiphany

Prepared grocery store meals

“When you do go grocery shopping, sometimes the already-prepped sub or diced fruits and veggies tempt you to buy them and save time, but you’ll be paying top dollar for those products. Plan a list ahead of time and buy the individual food items, then spend the time prepping them yourself in order to save.

If you have trouble making grocery lists and figuring out what you’re going to eat each day, I’d highly recommend trying out the $5 Meal Plan so you can receive healthy meal plans and recipes to your inbox.”

Credit: My Debt Epiphany

Vending machine snacks

“Not only are these snacks typically unhealthy (there goes your healthy habit), they are typically much more expensive than their grocery store counterparts. If you find yourself buying vending machine snacks, try to save the money instead and see how much you have leftover at the end of the month. You can probably invest it.”

Credit: My Debt Epiphany


“When you’re heading out and can’t or don’t want to drive, consider calling Uber or Lyft instead of calling a cab so you can save money on the ride. You can use my link to get $20 off your first Uber ride.”

Credit: My Debt Epiphany

Brand name items

“Save money by skipping on the brand names, like medicine, toiletries, and certain foods. Remember that healthier options with fewer additives may cost more and in that case they may be worth it. Otherwise, generic is the way to go.”

Credit: My Debt Epiphany

Buying smaller/single packs

“Save money by skipping on the brand names, like medicine, toiletries, and certain foods. Remember that healthier options with fewer additives may cost more and in that case they may be worth it. Otherwise, generic is the way to go.”

Credit: My Debt Epiphany

Purchasing paper towels/paper napkins

“You are purchasing these to eventually throw them out. Save on the waste and save money by buying reusable, washable towels and napkins. Your wallet and the environment will thank you.”

Credit: My Debt Epiphany

Paying extra for night time movie showings

“Primetime showings are typically 2x higher than those during the day. Go to morning matinees or take advantage of weekly specials ($5 movie nights during the week).”

Credit: My Debt Epiphany

Movie theater food

“Often times, movie theater food can cost more than the ticket to get in. Try to keep food purchases to a minimum when you can or eat a filling meal before you go see a movie.”

Credit: My Debt Epiphany

DVDs and On Demand

“Instead of spending money on purchasing the movie, subscribe to streaming services and find an alternative or go to your local library.”

Credit: My Debt Epiphany



Still, among all parents, millennials are saving a greater percentage of their income. According to the report, over one-third of millennials are saving at least 15% of their income.

“Millennials are making really good decisions whenever they have an opportunity to save more,” Arielle O’Shea, retirement and investing specialist at NerdWallet, told Business Insider.

“Not just when they have a higher paying job, but they’re saving more after paying off debt and after getting married — those things are really notable,” she said.

Even if the dollar amount they are saving is smaller because they’re earning less money than older generations, millennials are still in good financial shape. The key to retiring rich is investing early and consistently.

“Millennials are doing themselves a big service here by saving so early and taking advantage of compound interest,” O’Shea said.

In the chart below, NerdWallet compared the retirement saving rates of millennials, Gen-Xers, and baby boomers. For the purpose of the analysis, all generations started saving at age 26 and retire at 67, earn an average annual return of 6% on investments, and receive a 2% annual salary increase.




At a starting salary of $40,000, a millennial who saves 10% of their income over the entirety of their career would end up with about $865,000 at retirement. By comparison, a person saving 5% of their income — the current savings rate of baby boomer parents — would net nearly half that by retirement, assuming their savings rate has always been 5%.




At a staring salary of $100,000, the difference in retirement savings for millennial and baby boomer parents jumps to more than $1 million.




It’s possible older Americans aren’t saving as much because the cost of raising kids increases the older they get, O’Shea said, especially when parents “start feeling the crunch of college.”




Obviously this can hurt your retirement savings, as most financial experts recommend gradually increasing your savings rate the closer you get to retirement. Incrementally increasing your savings will help your account balances grow, but it does something else that’s even more valuable: It creates momentum. Once you start saving, it’s easier to keep going.




According to the study, millennial parents are most likely to report having made sacrifices to increase their savings, including cutting back in big spending areas such as dining out, vacations, and entertainment.




“Everyone can use strategies millennial parents are using,” O’Shea said. “Save more when you get a raise, when you pay off debt, or cut back on dining.”




Some millennials, however, may not be saving for retirement intentionally. Instead, they’re starting new jobs that auto-enroll them in their employer’s 401(k) plan, and many don’t bother to opt out.




That’s great for some people, O’Shea said, but “knowing how much you need to be saving is huge, and working toward a goal makes all the difference.”




If you’re unsure how much you should be saving for your ideal retirement, you can start with a simple calculation. Take your desired annual retirement income, and divide it by 4% (the maximum amount you will withdraw from your savings each year to pay for your living expenses in retirement).




Once you know your magic number, you can leave work as soon as you reach it.




RELATED: Most expensive places to retire


Most expensive places to retire

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9. West South Central

Average spending: $28,540

Younger retirees in Texas, Oklahoma, Arkansas and Louisiana spent less than retirees in any other part of the U.S. At $11,742 per year on average, their housing costs are lower than anywhere else in the country. (Go here to see how much house you can afford.) They also spent less on health care. But unlike most regions of the country, where retiree spending falls over time, people in the West South Central region spend more as they get older. By the time people are between the ages of 75 and 84, they’re spending $33,257 per year, in part because of a jump in health care spending to $2,600 per year.

(dszc via Getty Images)

8. East South Central

Average spending: $29,140

Retirees in the East South Central region (which includes Mississippi, Alabama, Tennessee and Kentucky) have the second-lowest spending in the country. They also have the biggest difference in spending between pre-retirees (those ages 50 to 64) and people ages 64 to 74, with annual expenditures falling from $42,261 annually to a little less than $30,000. Downsizing might be the main reason. The older survey respondents spent nearly $7,400 less per year on housing than those in the 50-to-64 age group.

A low cost of living is another reason this region is also home to four of the 10 best cities for people who hope to retire early.

7. East North Central

Average spending: $35,201

People in the Great Lakes states of Wisconsin, Michigan, Illinois, Indiana and Ohio had the lowest average spending outside of the South. That’s good news for people retiring in that region, but it comes with a caveat. Average spending in this region didn’t decrease as dramatically with age as it did in some parts of the country. By the time people reached age 85, they were still spending $31,059 per year on average, more than any other region except New England.

6. Middle Atlantic

Average spending: $38,125

Retirees in the mid-Atlantic states of New York, Pennsylvania and New Jersey spend an average of $38,125 every year, only slightly less than those in the 50-to-64 age group. Their average expenses included $13,440 on housing and $1,940 on health care. (You can determine your housing budget here.)

5. Pacific

Average spending: $38,464

Retirees in Washington, Oregon, California, Hawaii and Alaska spent about $38,000 per year on average, including $2,360 on health care and $18,300 on housing. Their housing costs were the second-highest in the country after New England, which may not be surprising considering this region is home to eight of the 10 least affordable cities in the United States.

(peterscode via Getty Images)

4. Mountain

Average spending: $39,411

Living isn’t cheap for retirees in the vast Mountain region, which includes Montana, Idaho, Wyoming, Nevada, Utah, Colorado, Arizona and New Mexico. But things get better as you age. People in these states spend about $10,000 less per year between ages 75 and 84 than they do in the first decade of retirement.

If you end up retiring in the Mountain region, you’ll have lots of company. States such as Arizona, with its sunny skies and relatively low taxes, are perennially popular with retirees.

3. West North Central

Average spending: $42,240

Stereotypically frugal Midwesterners actually had the third-highest spending in the U.S. People in Minnesota, North Dakota, South Dakota, Iowa, Nebraska, Kansas and Missouri spent more than $42,000 per year on average from ages 65 to 74. About $20,000 went to housing and health care, with $22,000 left over for expenses, including food, transportation, travel, entertainment and dining out.

One reason retirees in this region can spend big? Some are quite wealthy. Minnesota, North Dakota, Nebraska and Iowa are all in the top 25 states in the number of millionaires per capita, according to a study by Phoenix Marketing International.

(rasilja via Getty Images)

2. South Atlantic

Average spending: $44,350

Retirees in the sprawling South Atlantic region, which stretches from Delaware to Florida, have some of the highest spending in the U.S. People living in Delaware, Maryland, West Virginia, Virginia, North Carolina, South Carolina, Georgia and Florida spend $44,350 per year, on average, including $16,980 on housing and $3,000 on health care.

(DenisTangneyJr via Getty Images)

1. New England

Average spending: $46,019

New England retirees are the biggest spenders in the U.S., with annual expenditures of a little more than $46,000 per year. People in Maine, New Hampshire, Massachusetts, Vermont, Rhode Island and Connecticut have the highest housing costs in the country, at $19,507 annually — almost twice as much as those in the cheapest states — though costs fall significantly as people age. Health care spending among 65- to 74-year-olds is also higher than anywhere else, at nearly $6,000 per year, almost twice as much as what retirees in other parts of the country pay.

(kanonsky via Getty Images)






NOW WATCH: A $2 trillion investment chief corrects the ‘myths about millennials’ when it comes to investing




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SEE ALSO: The first 3 things to do with your money when you get a raise or bonus




DON’T MISS: I’m a financial planner — here’s what I tell people who ask if they’re saving enough money




Pregnancy Tips – Don’t Listen To Other People’s Horror Stories!

If I could write this article for people talking to pregnant women, all it would need to say is: Don’t tell them your horror stories! But it is probably going to be read by pregnant women and so you have to take matters in your own hands. Here is how.

Horror stories

First of all, yes, there are traumatic birth experiences. The question is: Do you need to know about them especially when you’re pregnant and your hormones are already all over the place? My answer is no.

If you are a mother and have some horror stories up your sleeve, keep them to yourself or tell them when someone asks. As you might remember, being pregnant makes you feel hyper anxious about everything and hopefully you would agree that it’s not necessary to add even more worries than those that come naturally.

How to avoid hearing them

I have had people wanting to tell me something starting by saying: ‘Oh my god, this is what happened to so-and-so…’ I stop them right there and then, asking them: ‘Do I really need to know what you’re going to tell me?’ or ‘Would you want my unborn children (I was pregnant with twins) to really hear this?’ Usually this stopped them in their tracks. Some people were a bit baffled, others realized what they were doing without thinking it through and apologised. With some friends I then asked: ‘If there is anything positive or something you want me to remember, tell me that part’. This way I heard tips like ‘rest well’ or ‘make sure you prepare your hospital bag soon’ etc.

If you already heard them

There are as many not so nice birth experiences as there are amazing ones. It all depends which ones you pay attention to. Your consciousness is like a search light: What is yours focused on?

If you have heard horrible stories and are worried, talk to your midwife or obstetrician and check for the facts. Read up on the internet or in the pregnancy books you already have at home. Talk to your girlfriends and ask them for their positive experiences or the tips they would want you to remember. In order to make use of their experiences you don’t need to hear how they forgot something or failed but what they have learnt from it.

The fact is that birth is an intense experience but it all depends on how you want to prepare yourself mentally for it. Do you visualize all that could go wrong or everything that could go right? Why not make your visualization of your perfect birth about what you do want, instead of what you don’t want. If you do this regularly, it will prepare your body and your nervous system to stay calm and be able to manage whatever comes your way.

Pet-loving Baby Boomers have hit on a cute source of extra cash

Baby Boomers are kicking ass (not literally, of course, because they’re animal lovers) and taking names when it comes to pet sitting, taking way more bookings and out-earning than younger rivals, new data show.

The data came from PetCloud, which is like Airbnb for pets in that it connects pet owners with pet sitters around Australia who’re happy to look after their furry friends for a price. 

Pet sitters set their own rates, but base prices start at $25 for a sitter to come to the pet-owner’s home to care for the pet for a day or to care for the pet in their own home, up to $50 a night for the pet to stay at the carer’s home overnight, and $90 for twice-daily visits to the owner’s home to check on a pet.

Sitters can also offer additional services, such as ‘taxiing’ pets from place to place, taking them to the vet, grooming or walking them, at an extra cost.

In return, pet owners can give feedback on sitters, and can search specifically for sitters that are RSPCA-accredited, police-checked, and have first aid skills, amongst other attributes.

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The Australian-owned business did the stats on its pet sitters and found that although people aged 55-plus made up a tiny 3 per cent of its sitters, they were smashing the competition, taking more than 20 per cent of all the sitting jobs available. By doing so, they were earning five times more than younger sitters.

The company, which donates 20 per cent of its booking fees to the RSPCA, sells pet sitting as neat way for Baby Boomers to boost their retirement income, while working from home at hours that suit them. Sitting jobs can cover pet owners’ responsibilities while they’re on holiday, but also in unexpected situations such as when they’re sick, take on shift work, or are moving house, so can last from a day to weeks.

Jolie Wheeler says pet sitting suits her because it offers the opportunity to work as little, or as much, as she wants in retirement. And there’s another lure. “There’s serious money to be made,” she reckons.

Would you consider pet sitting to boost your retirement income?




Thanksgiving is a Great Family Holiday

Pre-boomers were taught the first Thanksgivings was a day of gratitude expressed by the early settlers nearly 400 years ago in Plymouth, Massachusetts. The Pilgrims thanked God for delivering them to the new world where they could live free of religious persecution, for surviving the first year, and for the harvest to sustain them in the winter months ahead. We also learned that they shared their food with the local Native Americans.

This national holiday has become a secular celebration of parades, football games, and overeating with the next day marking the official start of the Christmas shopping season, overshadowing its true roots. However, most pre-boomers have seen and remember Norman Rockwell's series of Thanksgiving paintings which appeared in "The Saturday Evening Post" during the war years of the 1940s. The warm feelings we get when exposed to those magazine covers remains with us to this day.

The Thanksgivings of my childhood remain viable in my mind. As a young child it was the Gimbel's Parade in downtown Philadelphia. Later the football games took up the morning. Then it was home from college for the long weekend. And later it was the quick train rides from Manhattan to get there in time for the mid-afternoon dinner. Then, many years past before the family got together again. The kids had grown and the first grandchild had arrived before my parents finally moved to the West Coast, after years of prodding. So they were able to enjoy the day each year with all of us and we with them before they passed on a few years back. For this I am most grateful.

I have fond memories of Thanksgivings past and am fortunate to have family close by, so we can enjoy this day together each year. In fact, recently the family took a cruise over the holiday: grandparents, adult children and their spouses as well as the grandkids. It was different and lots of fun, but I missed the "home cooking."

No matter were you or who you're with this Thanksgiving, try to recall those magical days gone by when you woke to the alluring aroma of the turkey roasting in the oven. Be quiet and you can almost here your mom and maybe grandma and your aunts talking as they worked for hours to prepare this family feast. And, even though you were shooed out of the kitchen, you managed to catch a glimpse of the vast array of food to be served and knew this day would be good.

Of course, we ate leftovers for days to come: turkey platters, turkey sandwiches, turkey soup, turkey ala king, turkey hash and turkey croquettes. Nobody ate turkey burgers back then or we would have had them too. Even though we grew tired of a week of turkey, everyone looked forward to having another feast at Christmas. Thankfully this meal was at another family member's home, so we were spared the endless days of leftovers.

This Thanksgiving it's appropriate to reminisce about those who helped make this holiday a bounty of delicious food for us to enjoy year-after-year, and be thankful for all the other things they did to make our childhood days worth remembering.