MATURE Senior Living self help books for HAPPINESS HEALTH & PROSPERITY

Self help books & personal development resources for Senior Living

Senior Health Care Tips for elderly Health and wellbeing with self help books and senior fitness for best senior citizen services. Self Help website and free books for your senior care guide with senior home health care & carer resources and senior fitness resources. size=1>

Self help books & personal development resources for people who are at a mature level of thinking and life experiences.

You don’t need to be shown how to set a basic spending budget, prepare a basic goalsetting plan or how to plan a healthy meal.

Yet you know there are still many, many things in life for you to still achieve, or to contribute to others.

These resources have been selected because they are more appropriate for the already Graduate level of visitor who is looking for resources above and beyond the average level of skills.

mature self help website

FEEL HAPPY! Achieving BALANCED EMOTIONS SIZE=4>for genuine and lasting happiness. These self help resources will help you to maintain a positive attitude and state of wellbeing.

“A weak mind is like a microscope, which magnifies trifling things but cannot receive great ones.” – Lord Chesterfield

The focus of our attention determines our life experiences. Where we put our attention, we put our energy. Where we put our attention, we put our consciousness.

We draw into our lives the thing to which we give our attention, whether we want it or not.

Article continued ….. HA8 Focus of our Attention, self help article by Jeanie Marshall

HA28 One Thought at a Time, self help article by J Marshall
I harm or heal myself One thought at a time. I discover myself and others One thought at a time. I live my life One thought at a time.

My telephone rings, I choose a thought. I choose to choose from among the many positive thoughts. A connection with the outside world. A friend. A client. Information. Happy News. Appreciation. Technology. An answer.

Negative thoughts are just as plentiful, I have explored those thoughts, too. Negative thoughts pair up with negative feelings. Negative feelings do not feel good. And so in the middle of a cacophony of negative thoughts, I find the least negative thought, It is a lifeline out of the negativity. That thought helps me find a slightly positive thought, And then a truly positive thought. One thought at a time.

Be FLEXIBLE, SIZE=4>Don’t be a Perfectionist and do try to be Adaptable in your expectations of yourself and events around you. Our expectations can be so inflexible that even one small event can ruin the day for you. By maintaining an openness to changes in your plans and having back up strategies you will feel great every day.

Don’t be a perfectionist

“Happiness is a butterfly, which, when pursued, is always just beyond your grasp, but which, if you will sit down quietly, may alight upon you” Nathaniel Hawthorne

You can waste your energy and your life trying to be perfect, or create the ‘perfect’ outcome to your plans. Trying too hard, or creating an impossible to achieve set of obstacles to your happiness, guarantees you will remain discontent.

Set your target for something like eighty percent of what it would normally ‘take’ for you to feel successful, content, happy, prosperous, whatever. Yes, lower the bar if you recognize that you are setting yourself up for failure time after time.

We are naturally born happy. We have an undercurrent of happiness flowing through us at all times. Unfortunately, we suppress and divert that natural state of being, by insisting that all the ‘ducks have to be lined up in row’ for us to LET ourselves tap into that happiness, or let ourselves emotionally experience the outcome we want.

Loosen up a little, lower the bar of criteria that must be met, simplify your life and ‘must do’ to just LET some happiness seep out to bathe you in the natural joy you have in such abundance. Go on, stop and smell the roses today.

Be adaptable in your plans and expectations.

Expect that there will be delays, problems, breakdowns, late appointments, sour people. You don’t need to plan for the worst. Just make the effort to have back up plans ‘just in case’.

If you easily become aggravated or upset at delays, carry a small audiotape of motivational content, or a small book to read. Make calls on your mobile, use the time constructively to achieve something, rather than get your blood pressure up.

Allow plenty of time between appointments so that you are not constantly under pressure of a backlog. When you are early, take the time to window shop, or just sit down and take a few deep breaths and look around you for a minute. Find something beautiful to look at. If you look hard enough, you will find something.

Don’t sweat the small stuff. It’s ALL small stuff in relation to the big picture of your lifetime.

Increase your chances of being happy by learning to love doing many things.

The more interests you have the more your chances to have to be doing things you love and enjoy on any given day. Identify the music you like to hear, books you like to read, places you love to be in or visit, people, movies, food, parks, entertainment.Identify them so that you know ‘where you are going’ when you set out each day. SeniorLivingTips

If you just show up at places and events, without taking responsibility to ensure they are things you would enjoy, what do you expect – you decrease the odds of having a great time. Make a point to identify the things you already love AND then add new things to that list every month at least.

Try something new. You may not like it, but you won’t know for certain until you try them. And if you do love it, you have something new to add to your list of things you love to do, see, have, eat, hear, etc, for every day of the rest of your life. Those are the kind of odds everyone should bet on to be a winner in the life stakes.


Senior Living & Home Care

“Becoming a senior can be a big change”
For years many people look forward to the day they can retire but the same can not be said about becoming a senior. Although many actually become seniors before they retire, there is something about this word that just don’t sit right with most people approaching that age.

Getting old, might be what comes to mind, even though it is far from the truth. These are supposed to be the “golden years” and should therefore be looked forward to. Things you have wanted to do or see for years are know just waiting to be explored.

Have better RELATIONSHIPS with family and friends that will support you in positive ways.
Mother or Mother-in-law problems? Your Partner not as supportive of you as you need? Friends bringing grief into your life? Here are some self help strategies to bring warmth, love and respect into your relationships.


“You ARE loved”
You may not realize it, but it’s 100% true.

1. Every night, SOMEONE thinks about you before they go to sleep.

2. At least 15 people in this world love you in some way.

3. The only reason anyone would ever hate you is because they want to be just like you.

“7 Keys To Better Relationships”
Would you like to enhance the quality of your life and increase your personal happiness? If you answered “yes,” the information in this article could change your life!

Isn’t it easy to get stuck in the everydayness of life? We can get so busy making a living and getting ahead financially that the really important things fall through the cracks!

“12 Reasons Why You Should Never Neglect People Skills”
1. Exceptional people skills and the ability to start a wonderful conversation with anyone you meet are essential life skills.

Your success and happiness are directly related to the development of these social skills.

These skills are not optional unless you want to be excluded from what is going on in the world.

“Does Social Anxiety Hold You Back?”
In the “Anxiety Disorders” section of the manual entitled “Diagnostic Criteria from DSM IV,” which is used for the diagnosis of mental health conditions, there are 12 anxiety diagnoses covered.

The fifth, and what may appear to be a soft diagnosis, is Social Phobia (Social Anxiety Disorder). In contrast to “Posttraumatic Stress Disorder,” “Obsessive-Compulsive Disorder” and “Panic Disorder” this diagnosis may seem to be lighter than the rest.

How to Cope with Difficult People
read recently that toxic people make up about ten percent of the population and cause over 50% of all relational damage. For our own well-being and the well-being of those we care about we must learn how to cope with these toxic people at home, at work and at play.

I wrote the following report in response to the question, “How can I learn to cope with the difficult people in my life?” From the reaction I have had to this report it is proving helpful. I do want to say emphatically that what you read here won’t do a thing to improve your situation unless you have the courage to use the suggestions given. Go for it! You’re worth the effort.

HA25 Truths which Aid Forgiveness by Robert Elias Najemy
Some truths which will help us forgive others are (some are based on various spiritual beliefs or Christian concepts which might not be acceptable to you or the subject)

Your SELF IMAGE size=4>shapes the way you feel about yourself and what you expect from your life and the people around you. You do deserve the best that life has to offer you, so why not develop a genuine expectation that life will always be abundant, supportive, fun and joyful?


How many mornings did you get up, looking in the mirror and thinking, “Oh boy, how can I present myself to the world looking like that? How can I ever be successful if this is what I am?”

And how many mornings did you get up, looking in the mirror and thinking, “Today is the day! I can feel it in my bones, in my toes, in my fingertips. I’ll sweep them of their feet!”

Do you recall what in both cases the day looked like? On mornings like the ones described first, you could actually just go back to bed and sleep the day away, because whatever it was that surrounded you, was negative and wouldn’t help you to reach your goal at all. On mornings like the second, you could just not go wrong. Your smile, your touch, your complete presentation charmed each and everyone around you!


“Let’s concentrate on personal development!”
These days, watching TV, listening to the radio, reading newspapers or internet news is real torture: nothing but sickening scenes, a horrible litany of killings, bombings, murder, rape…

It’s no use dwelling on the “reasons” or justification put forward by those who perpetrate such deeds.

“Your Personal Image: It’s Your Most Important YOU Asset”
Your personal image: It’s the most important “YOU” asset that you own.

Your personal image, the perception that people have about you, affects your success in every aspect of life – your life on the job, your social life, even your “personal” relationships with others.

“Healthy Self-Esteem”
As the world becomes more complex, competitive, challenging, self-esteem is more important than ever.

The shift from a manufacturing-based society to one based on information, and the emergence of a global economy characterized by rapid change have created growing demands on our psychological resources.

Recently, the focus of my work has been to show how self-esteem principles and technology can be used to improve performance in the work place.

“What Have You Done For Yourself Lately?”
This article helps individuals and entrepreneurs to set boundaries for their business in order to be more productive and live the life they want.

Remember the old Janet Jackson song, “What Have You Done For Me Lately?” Maybe you don’t and maybe I am just dating myself! This song was about a declaration of what a woman wants from her man. The point of the song was that the woman does everything for her man but what has he done for her other than cause her grief?

I know, I know, I am starting to sound sexist but that is not my point. I want to take that song and put it on a deeper level, make it more personal. What have you done for yourself lately?

“You Are What You Think You Are”
Think out of the box, they say. But what’s a box? In the context of the discussion here the ‘box’ is the sub-conscious mind. More specifically box is the limitation imposed by sub-conscious mind.

It is the repository of all life’s experiences, memories, feelings.

We have experienced the joy of being appreciated, the disappointment of what we consider as a failure, sorrow of losing a chance and myriad other feelings.

“Affirmations = Life is a gift. ”
Life is a gift. Life is eternal.

Life is an experience. Spirit is essential.

Love is the Divine energy.

Love energy flows through me. I accept Love energy.

Develop a SENSE OF PURPOSE to your life size=4>for greater passion, joy of achievement, and contribution. Remember the last time you woke up and just jumped out of bed, rushing toward the day ahead with an attitude of anticipation and excitement? You may not feel like that EVERY single day, but these self help strategies will help to bring you more than you have been getting lately.


Who Are You?

If someone asks you the question, “Who are you?” how would you respond?

Most people respond by stating their name.

For instance, I would respond, “My name is Leigh.” But, does my response tell you anything about who I am?

What if I asked you to tell me about yourself?

How would you respond?

More than likely you would respond by listing your roles and positions followed by your interest.

So, who are you? Do you know?

Are you merely a name, or are you much more?

We often fail to realize that our roles and positions help to define who we are.

For example, I am a student, daughter, educator, consultant, and guardian.


Roles and positions are interrelated but have different meanings.

Roles are the different parts we play when we interact with other people.

Positions are our locations within a collection of interconnected roles.

Article continued HA59


“9 Ways to Motivate Yourself When You Just Don’t Feel Like It”
Achieving the really big goals and dreams always involves breaking it down into do-able little steps.

Assuming that you’ve picked a goal or dream that you really love working at, then most of the steps are a delight to take.

No matter how much you love your dream and no matter how much you love your work, there are going to be tasks along the way that you really don’t want to do.

“Planning for Retirement Activities”
Retirement doesn’t mean the end of an active lifestyle. Quite the contrary, it opens up new opportunities for many new activities. Some retirees substitute voluntary community work for their former work. This gives definition or meaning to their roles after retirement.

Household work, volunteer work, family roles and community service actually increase after retirement. The familial roles of grandparents increase because of the expanded time available for travel.

“Living your life ‘in integrity’”
Living your life ‘in integrity’ means that your words match your actions which match your beliefs.

When you are living your life in harmony with your values, you naturally have more energy.

Clarifying what really matters to you, knowing what you stand for, will set you free to live life to its fullest potential.

“Life Begins With Retirement”
Sometimes transitioning from your workaholic daily life to the relaxed rhythm of the golden years is not easy. Some people have difficulty finding the same feeling of accomplishment they had when working in the fast lane. They see retirement as a dead end. This shouldn’t be so – retirement is retiring from your job not your life. It’s like shifting to the slow lane on a highway – less demanding, more relaxed and even pleasurable.

“10 Ways To Feel Good About Your Life.”
Feeling good about your life involves just 2 parts. Really! One is to learn to think about yourself in healthy ways.

This is a learned skill, ladies and gentlemen, not something that a lucky few were born with. Some of us were taught as children how to create self esteem and self confidence.

“21 Days to A Positive-Attitude Habit”
This may come as a surprise… but your attitude is more important than your aptitude in determining your success in life! Just how critical is attitude to achievement?

Well, take a look at one of the greatest inventors of the last two hundred years

HA7 Finding our Life Purpose, self help article by Robert E Najemy
Each of us has incarnated to play a specific role. When we find our special role and play it with love, we experience contentment and happiness. When we lose contact with our life purpose, or do not have the courage to live it, we experience discontent and sometimes depression.

HA18 Synchronicity – a doorway into the flow by N Neta
After years of working with computers, I had had enough. Together with my partner, I departed for India, in search of a new purpose in my life.

One night, I awoke on fire with the feeling that I had to work with people, yet at that moment I was not clear about what and how.

HA57 True Faith, self help article by RE Najemy
When I have true faith, I fear nothing and no one. I experience Divine attention and care.

When my loved ones are in “danger”, I trust that there is a Divine wisdom greater than my needs and desires. Although I fight with love for a world of equality and well being for all, I am able to perceive divine justice and wisdom behind the apparent injustices.

When I have true faith, I do not complain when my desires are not fulfilled. I do not feel that I have been forgotten when my prayers “are not answered”, because I trust that the Divine knows better the needs of my soul.

Your RECREATION activities size=4> are what charge your batteries when you take time off to do the things you really enjoy. When did you last have fun? Have you developed a Hobby that you truly love, that allows your creative energy to flow and makes you feel happy every minute that you are engrossed in it? How was your last Holiday? These self help suggestions will help to get the ideas flowing for more fun in your time off.


“Celebrating Your Golden Years with Family”
Once you reach your late forties and early fifties, you are bound to think of retirement. You want retire at an age when you are not too old to enjoy your golden years.

This is the point in life when you look back at your achievements. If you feel satisfied with what you have accomplished so far, you will get to focus more on what it is that you exactly want to do with the rest of your life – which you did not have time for when you were young and busy raising kids and money.

Creativity & hobbies:

“Happiness lies in the joy of achievement and the thrill of creative effort” Franklin D Roosevelt.
Your hobbies are important for your happiness and wellbeing. The fact that you are now part of a twosome does not mean you have to stop having your own creative pursuits for relaxation and pleasure.

The pride of creating things with your own hands is never to be underestimated. It provides a sense of accomplishment and pride in your skill that only you can create for yourself.

You don’t need to be an artist or master craftsman to develop your own skills or collections. There are many self help ideas for getting satisfaction without needing to spend a fortune or taking over the house with equipment and materials.

Create a corner for yourself, even if only a couple of shelves in a bookcase that can hold your patterns, journals or collections.

‘It doesn’t matter what is happening to the economy, government or your industry; it matters what is going on in your imagination. If you’ve got a rich imagination you’re going to have a rich experience” Mark Victor Hansen

Some ideas for creative development:

Scrap books: Take some favorite photos, get some coloured papers and cardboard, scraps of lace, ribbon, buttons, glue, stamps, cut out letters, type and print a brief story about the photo or photos, and start cutting and gluing. Put together in a one or two fold presentation format. There are examples on the internet and in magazines of this popular and inexpensive way to tell the story of important events in your life. My favourite scrapbook is still to have a big bound scrapbook that I get from the supermarket stationery department, that I fill with photos, ticket stubbs, birthday cards, notes and mementos that I collect. I decorate the pages with interesting photos from magazines that attracted me, and quotes or articles that I have collected. It just becomes a visual diary for me of events and people. Much more interesting than just a photo album.

Journals: keep a daily written journal of your experiences and lessons as you hurtle through life. Makes fascinating reading in future years, and can become your legacy for your children in the future. Research and write your Family History. Publish it yourself on your computer and distribute it to family members at gift giving times.

“To be able to enjoy one’s past life is to live twice” Martial

Cooking: If you love to cook, then enjoy to your hearts content. Pack and give as gifts some of your masterpieces. Bake birthday cakes or biscuits for all occasions. Bottle and preserve this seasons fruit and veggies, presented with your personalized labels. Freeze extras and treat yourself to some for later. Hold dinner parties when you need to cook up a storm and impress friends with your skill. Master at least two dishes in your lifetime, just to show you can.

Decorating: A change is as good as a holiday. Don’t need to buy anything new. Just take out all the knick knacks and decorating accessories, including lamps, cushions, mats, pictures, maybe even some of the non-essential furniture. Then re-arrange the furniture and start to re-introduce the accessories. Swap accessories between rooms. Create changes for the seasons. Bring out the pinecones you found while walking – for a winter theme, along with a clutch of candles on a plate. Bring a potted plant with bright flowers inside for a few days for a summer or spring fee. Collect some spectacular autumn leaves and place in a bowl, stir in some pot pourri or a few drops of scented oil. Get a bag of light clean sand and pour on a tray, arrange some sea shells from the store or the shore. Buy a small ‘sample’ tin of paint and re colour a small piece of furniture or section of a wall. Fiddle about with what you have in hand, or stored away that you didn’t have room for when you first set up house. OK then, go buy yourself a couple of new cushion covers, or a pot plant, or a simple throw over for the couch. Have fun, and do it at least four times a year.

crafts & gift making: this is an incredible list of things that will have its own page and instructions for some simple gifts to make and give. But start with ideas for things you can cook, preserve, bake, dry, or sew, assemble and glue, pressed flowers to glue on cards and mount for pictures, painting with oils or water colours, knit, crochet, embroider, calligraphy, collecting stuff – stamps, records, books, figurines, oddities, old photos, china, watches, postcards, spoons or key rings from your travels, – these are only some of the small things, Obviously, if you like something, just start to collect more of them.

Then your friends will catch on very quickly, and before you know it, your collectables will be flowing in to you from everyone you know. Unless, of course, you decide to collect very large diamonds.

Photography: Get your old camera out and have fun. Now-days with digital cameras and computer programs – anything goes. Take some photography classes. Just get a new perspective on your world and the people in it. Will not cost a lot, but get you totally engrossed, so – aim and fire at will.

Art and painting: Make sure you get your hands on the book “Drawing on the right side of the brain” by Betty Edwards – Fontana or Collins publishing. I guarantee that you CAN draw and paint what you see.

Then also go to the library and get a book on “how to” paint in oils, water colour, acrylics, or how to draw in pencil or charcoal. Also try books that specialize on one subject matter like cats, dogs, horses, landscapes, ocean scenes, etc. Get a block of good sketching of painting paper from the supermarket or an art supplier. And just have fun learning as you go.

If you find you really enjoy this, look for a local art teacher. Many hold classes in their homes or at community or civic centres, for very low fees. This can be more fun than you can possibly imagine. Join local art groups, show your work. Give as gifts. Sell at markets. Who knows what might happen, except that you will have many hours of pleasure.

Play a musical instrument: If the thought terrifies you, or you don’t want to invest in an instrument yet, try the computer software that allows you to learn on a keyboard that plugs into your computer. Or ask a relative who has a piano, guitar or whatever, to give you lessons. They will be delighted that you are interested, and that they have a skill to share with you. Musicians advertise in the local paper for students. If they have the equipment, you only need to pay for lessons and see how you go.

Learn to sing – no layout for a musical instrument there. Join you local drama group, learn to act, be a stage hand. Your contribution will be appreciated.

Learn a language. Again, teachers advertise their services everywhere. You can also get some excellent language programs on audio to learn by. Check out if your library has any audio language programs you can borrow. New computer programs are also being created to make the learning process even more interactive. Hire foreign language videos to hear the language in a more natural environment, and get into the culture behind the language. Plan a trip to visit that country. Join the Associations of that country eg: Australia Japan Association or Society for social interaction and to hear the language, or get a partner to practice speaking the language with. Contact that country consulate or embassy for listings of clubs and associations nearest to your home.

Have fun, mind puzzles, Stimulate your brain cells or your laughing bone with games, mind puzzles and similar low cost challenges.

Join a community centre that has games nights for scrabble, trivial pursuit etc. Buy some inexpensive crossword puzzle books or mind teaser books. Have a games night once a month for friends to drop in and share the fun with you.

Collect Jokes to cheer yourself and your loved ones. Keep a file, scrapbook or computer file. Print your own joke book or quotes collection to distribute to friends for gifts.

Try out your IQ levels with tests for yourself and friends. Have some fun checking your IQ levels and other fun personality and compatability quizzes

Handwriting analysis: This can be a fascinating art, and it has been said that if you modify your own handwriting you modify aspects about yourself too, Learn about your own handwriting characteristics and what they say about you. Do the same for your partner.

Most importantly, relax and enjoy your recreation and holiday time. Be creative in your ‘playtime’ and you will soon get creative in your approach to everything else in your life – and be Happy doing it.


“Retirement Gifts”
Retirement should be a very special occasion for the retiree. It is the culmination of all the years he or she has worked for a company and signals a new era in the life of a person. Beginning the next day, the retiree will no longer have to get up early in the morning to get to work, will no longer have stacks of paperwork on his or her desk, and will generally be free to move on with life.

“Ideas for a Retirement Party”
If you’re planning your boss’s retirement party or maybe your parents, here’s a list of things you need to know before you pull out that party hat.

1. Have a party theme

Think of a party theme that everyone could enjoy. One of the most enjoyable retirement party themes is “old and useless things”. You could ask the guests to bring gifts that are practically of no use or old. You could also have an alarm clock smashing ceremony, where the retiree gets to smash an alarm clock because he doesn’t need to get up anymore.

“A Retiree’s Haven Abroad”
When you have reached your golden years and you know that you do not want to retire when you are too old to enjoy life, why not go abroad?

Currently, four million Americans – including military and embassy personnel – are estimated to be living abroad. The fifty-something citizens do look at living outside the country as their primary option.

“Looking for Retirement Paradise”
Your days of toil are almost over and the relaxing and pleasant age of retirement has dawned. Time to make one of the most important decisions of your life: choosing a place for you to enjoy your well-earned rest. It can be pretty daunting to think about it, but with a few pointers you should be able to make the best choice for yourself.

There are a few things to look at. These are your finances, the climate, health care facilities and, of course, distance from your family.

“Life Begins With Retirement”
Sometimes transitioning from your workaholic daily life to the relaxed rhythm of the golden years is not easy. Some people have difficulty finding the same feeling of accomplishment they had when working in the fast lane. They see retirement as a dead end. This shouldn’t be so – retirement is retiring from your job not your life. It’s like shifting to the slow lane on a highway – less demanding, more relaxed and even pleasurable.

ON THE JOB: Enjoy yourself AT WORKsize=4> so that you are happier in all areas of your life We spend so much time at work, whether it be at home or in a business, that what happen during those hours will impact on our view of our whole day, life and the world in general. We need to develop skills in overcoming obstacles that we will inevitably encounter every day so that we can still enjoy the rest of our lives.


“Should You Retire?”
Have you have reached retirement age and are contemplating whether to retire or not? Are you torn between retiring to your golden years or continuing to work for a few more? Here are a few tips to make your decision a little less painful.

“Not Willing to Leave Just Yet”
When people are young, the word retirement is not something of much concern. It is 20 or even 30 years away and a lot can happen during that time. It is something that slips in an out that is given little thought.

Some companies offer early retirement to its employees. Even if the age of retirement is officially at 65, there are some who are not yet willing to leave and would rather work some more instead of enjoying the other pleasures that life has to offer.

“Why People Never Grow Old with Retirement Jobs”
Nowadays, getting a job and keeping it is one of the primary methods for most people. As time goes by, many people become tired and worn out thus, the concept of retirement.

Through retirement, people who have worked hard during their lives until they reach the age of 65 will finally reap their fruits of labor from their nest egg and enjoy a well-earned rest.

“What You Need to Know About Teacher Retirement”
Every person deserves to be happy, to enjoy life, and to be at ease to whatever condition retirees have chose when they retire.

All of these things are just reward of the long years that a person had worked so hard in order to survive. It is just fair to provide them the chance to enjoy the rest of their lives away from the hustle and bustle of everyday life.

“Preparing for Retirement”
There will come a time in a person’s life when the person no longer has to work. All one has to do is sit back and relax on the benefits that have been earned through the years.

When people are young, the word retirement is not something of much concern. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes is a dream but with proper planning can become a reality.

“The Time to Retire”
When people are young, the word retirement is not something of much concern. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.

Years ago, the concept of retirement did not exist. People worked till the day came where they would die. Those days are gone now with government sponsored health care, company benefits and insurance companies.

“The jar and the coffee – Time management tips”
When 24 hours in a day are not enough, remember the following story about the mayonnaise jar and the coffee.

A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls. He then asked the students if the jar was full.

“10 Minute Tricks to Help You Get Organized”
Whoever thought you’d be able to get organized in just 10 minutes?! Here are a few simple ideas.


Rather than spending hours organizing, and doing it all yourself, create a 10 minute Chore Box for yourself–and one for each family member, if applicable.

Each person’s box would contain specific chores or tasks that need to be completed. The chores are written on slips of paper, and take a maximum of 10 minutes each to accomplish.

“Discover Your Life Purpose”
Everyone has a life purpose; a unique and special something each of us is supposed to do in LIFE.

A life purpose is not a specific job or career, it is much deeper and much more fulfilling. Now, you can uncover your own life purpose.

You can do it the easy, fast, modern way, using a modestly priced online program, or you can uncover your own life purpose using the more difficult (but free) old-fashioned do-it-yourself method.

If you want to save a few bucks and try doing it yourself here’s how …

“The Denis Waitley and Jim Rohn Combo Package!”
Opportunities for a self-managing, self-starter have never been better. Your most valuable assets today are your abilities to use your mind to access, communicate, and creatively evaluate information.

In a society in which the main commodity is becoming information, it’s not your status that matters, but what you know and how quickly you can learn. As Churchill said, “…only the empires of the mind endure.”

“Create Your Own Mission Statement for Your Personal and Professional Life”
Two of life’s greatest tragedies are: Never to have had a great mission in life, and to have fully reached it so there is no challenge remaining.

Are you going where you want to go, doing what you want to do, and becoming who you want to become?

These are the questions we must ask ourselves. Set some quiet time aside after you have finished this program and see the two you’s in the mirror of your mind:

Retiree Jobs for Seniors

“Employment Matters: Working Into Your Later Years”
When individuals are in their twenties or thirties, they often vow to earn enough money to retire as early as possible. At that early age, they have the misguided notion that as soon as they hit their sixties life will be all sunshine and roses. The reality, as many seniors know, is completely different. More and more people worldwide are having to work Jobs for Senior Citizen into their seventies because of financial shortfalls in their expected earnings.

PERSONAL DEVELOPMENT: size=4> SCHOOL & STUDY, strategies for a happier time while learning.


“Procrastination Pointers”
Procrastination is one of the biggest enemies we have to our Personal Productivity. Thinking about doing something and planning to do it are fine, but what if we fail to move ahead?

Procrastinating the unimportant items in our day is a useful talent. The problem for many, however, is that we are procrastinating the important and crucial items in our day, reducing our personal productivity and increasing our stress levels. Here are five pointers to help you to better overcome procrastination. (You can implement them now or perhaps tomorrow or better yet, next week.)

“How to Stay Motivated Despite Negative People”
Getting motivated is sometimes easy enough to do, at least for short periods of time, but staying motivated can be a lot harder to do.

And when you add into the mix the presence of negative people it is really not surprising that your motivation can fizzle out despite your best intentions.

“What Would You Do If You Knew You Could Not Fail?”
The next time you find yourself relaxing on the couch, having popped some corn and about to watch the “Sopranos”, instead, pose this $1,000,000 lottery question to yourself and see what flows. What would you do if you knew you could not fail? Would you work, not work? If you knew anything you touched or did held the possibility for success – whatever that is, what would you do? If there were no time constraints, no obstacles, no self-doubt, what would you do?

“Ten Tips For Personal Growth”
Personal growth seems to occur in spurts. We gain a little, lose a little, surge ahead or slide into a holding pattern where in growth seems to be stagnated. Here are ten ways to get back on track.

1. Recognize that growth continues, despite our best efforts to thwart it. There’s a saying: God’s time and mortals’ time differ. Nowhere is that more true than in the area of personal growth. Growth can be likened to fermentation; it often occurs well below the surface and appears dormant for long periods. Still, much is going on, if only we have the good sense to realize it. And, there ARE things we can do to break through the surface layers…

“Win-Win Negotiation Tips”
Learning how to negotiate removes pressure, stress and friction from your life. You see, negotiating is like chess — if you don’t know how to play you will be intimidated by the activity, especially if your opponent knows the game.

Negotiating is a predicable event that has rules, planned moves, and counter moves. But, unlike chess, negotiating is an activity you can’t avoid, so learn the rules. This article discusses the five underlying facts about negotiating, win-win negotiating, and the definition of a good negotiator.

“Tips to Enhance Your Decision Making Batting Average”
Just as people are different, so are their styles of decision making. Each person is a result of all of the decisions made in their life to date. Recognizing this, here are some tips to enhance your decision making batting average.

“How to Improve Your Delegation Skills”
Derived from Latin, delegate means “to send from.” When delegating you are sending the work “from” you “to” someone else. Effective delegation will not only give you more time to work on your important opportunities, but you will also help others on your team learn new skills.

• Delegation helps people grow underneath you in an organization and thus pushes you even higher in management. It provides you with more time, and you will be able to take on higher priority projects.

“How to Be More Effective and Organized”
Achieving goals in an efficient way is possible when you are well-organized. Here are some ideas that will help you become more organized.

“How To Improve Your Supervising and Leadership Skills”
In organizations we must work with and for others. To be able to mutually achieve our goals we must be able to relate to others effectively. These ideas will help you be a better supervisor and leader.

“How To Improve Your Planning Skills”
Planning is written about and talked about more than it is done. Here are some ideas that will encourage you to plan your activities in advance

“How To Improve Your Self Management Skills”
You are responsible for everything that happens in your life. Learn to accept total responsibility for yourself. If you do not manage yourself, then you are letting others have control of your life. These tips will help “you” manage “you.”

“Effective Decision Making”
Most of us have never been taught to make wise decisions in our work or personal lives.

Could you benefit from using a system that combines logical thinking with intuition?

Ask yourself these empowering questions adapted from Dr. Spencer Johnson’s book: YES or NO.

“Desideratum Poem”
Here is the Desiderata also sometimes spelled Desiderada. Reading this famous poem daily will cause a positive mental shift. It says to remember what peace there may be in silence.

With this in mind, take 5-30 minutes daily to be still and contemplate the words in this poem. Reading this poem helps me to realize that what I think is important most of the time, is not that important at all.

“Finding Time; Tips for Gaining 2 Hours Each Day”
Would you be interested in finding two extra hours each day in your schedule? Here are some ways to do just that. First – DECIDE what is most important to you. Then decide to spend most of your time pursuing it!

PERSONAL GOAL SETTING and ACTION PLANS size=4>and CHECKLISTS and SELF GROWTH BOOKS Yes, at some point you need to do more than just read these self help strategies, you need to develop and define your goals and get yourself into action. The sheer Joy of Accomplishment is well worth the effort.


“How to Improve Your Goal Setting Skills”
Life is a journey. Not just any journey, but the most fantastic journey in the universe.

Life is a journey from where you are to where you want to be. You can choose your own destination. Not only that, you can choose how you are going to get there. Goal setting will help you end up where you want to be.

“The Top 10 Best Ideas For Setting Goals”
You cannot pick up a book or participate in a training program today without the author or instructor teaching the power of goal setting. Yet, most people today spend more time planning a two-week vacation than planning their lives by setting goals. It’s been said that achieving goals is not a problem–it’s SETTING goals that is the problem. People just don’t do it. They leave their lives to chance…and usually end up broke by the time they reach retirement.

I thought that since this is such an important ingredient for developing a successful network marketing business, this was a good time to share with you some of the greatest thoughts about goal setting that I’ve discovered over the years.

“How dreams become goals”
It is wonderful to have a dream. It can also be wonderful to have a goal. True, there is a school of thought that maintains we should not need goals. We looked at this view a few months ago.

My own perception of this viewpoint is that it applies to those goal-lists that time management folk’s advocate. They can be useful, or a burden, depending on where you are in your personal growth. Today, though, I am looking at something different. Today I am looking at the difference between having a dream and having a goal.

Health Body & Mind – wellbeing self help articles:size=4>

This page includes several articles on Anti Aging nutrition and strategies that almost combines into a mini e-book of valuable resources.

1.Tips for Healthy Aging
2. Nutritional Tips for Longevity
3. VISION WELLNESS: How to SEE Your Way to 100!
6. Mood and Memory Wellness: How to be Spirited and Sharp for 100 Years
7. Brain Power at an Advanced Age
8. Brain Nutrients: Food For Thought
9. Deep Sleep: The Great Rejuvenator
10. Short Term Memory Questionnaire


Your chances of staying healthy and living a long time can be improved if you:


1. Stay physically, mentally, and socially active.

2. Eat a nutrient dense diet of small frequent meals, including 5 to 9 helpings of fruits and vegetables a day. Don’t over eat, even “good” food!

3. Get regular health check-ups and screening tests for heart disease and common cancers (skin, colon, lung, prostate, breast, cervical). Don’t delay seeing your doctor for new symptoms, especially over 40!

4. Avoid overexposure to the sun and cold, don’t smoke (it’s never too late to quit), drink in moderation and don’t drink and drive!

5. Practice safety habits at home to prevent falls and fractures. Always wear your seat belt in a car.

6. Keep or develop a spiritual belief system that enables you to re-negotiate life at every turn, adjusting to and accepting the inevitable losses and changes that come with longevity.

7. Cultivate (or keep) a love of and appreciation for life and others, and a positive, yet realistic, attitude. Don’t sweat the small stuff. Do the things that make you happy. NOW!

8. Keep personal and financial records in order to simplify budgeting and investing. Plan long-term housing and money needs.

9. Supplement your diet, adding an iron free multi-vitamin/mineral and anti-oxidant supplementation. Keep abreast of the advances in natural medicine and anti-aging.

10. If you desire feeling, performing and looking young as long as possible, maintain the “hormones of youth” (HGH, DHEA, sex hormones, melatonin) at optimal levels through natural hormonal enhancements.

Articles continued on link below:

HE97 Tips for Healthy Aging e-book by Dr. John H. Maher

Anti-aging Senior Health Care Tips

“Aging Across The Ages”
Different people age in different ways. This is perhaps because aging, although a natural occurrence, is a function of genetics and environment.

The genes play a role in terms of the skin that we are endowed with. People whose parents look youthful will most likely have young-looking skin compared to people whose parents already look mature. Race is also a factor as in Asian people who generally have better skin compared to their Caucasian counterparts.

Senior Health Care Tips

“How To Lead A Young Life”
To grow old is probably one of the nightmares for most people. Well, you can’t blame them. With how “old age” is being depicted right now, they will think that living with wrinkles and white hair is something worse than actual dying. It shouldn’t be.

Although we will basically all grow old when the time comes, this does not mean that we will appear to be old or we will live a life for old people. Remember that only your chronological age adds up but you can control your appearance, how you live your life and how you deal with old age. You don’t have to be a prisoner of the idea of being old. You can rise up to the image and be an old person who lead a young and fruitful life. Everything is up to you.

“Health and Retirement”
In planning for your retirement, buying disability, health or long-term care insurance is important. The insurance company would usually want to know a lot about you. You will be classified based on your habits, medical records and family history.

You have to have an understanding of your own health. The biggest factor in determining the insurance cost is your health.

“7 Tips to a Healthier, Happier You.”
Health and happiness are not that difficult to have in one’s life. It just takes some attention and some action to insure that you have as much of both as you desire.

Far from being difficult, tiring exercises, getting healthy can be quite easy. A few simple acts or lifestyle changes can put you on the path to feeling happier and healthier faster than you can imagine…

“6 Steps To Overcoming Your Worst Habit”
How ashamed are you of your habit? How much do you want to get over this habit? Thinking about the amount of “satisfaction” you gain from your habit, where would you place it on a scale of 1 to 10, where 10 is the highest?

The apparent satisfaction that you gain from your habits is the real reason that you might fail to overcome them. Whether real or imaginary, it is the value you place on satisfaction that determines how successful you are in overcoming them. This then, leaves you with a question that you must answer before you can go any further with this topic: “Are you prepared to pay the price?” You need to address the question of not so much being prepared to give up the habit, but to give up that “satisfaction” that it brings.

“What Stress is…”
Stress is an abnormal condition that disrupts the normal functions of the body or mind.

No two people are affected in exactly the same way, or to the same degree, but most people living in our highly industrialized society suffer from its effects at one or more times during their lives.

Symptoms range from mind headaches, occasional bouts of insomnia, overall restlessness, digestive problems, irritable bowel syndrome, constipation and diarrhea, and abdominal pain.

“7 Solutions for Practical Stress Management”
Stress is amazingly persistent, even seductive. We get used to feeling tight and tense. Though positive thinking has its place, unless it is backed up by practical wisdom it tends to get overwhelmed and fade away. Here are seven proven ways you can get a new handle on stress.

“Sleep, Thoughts, Worries and Fears”
Do you fall asleep immediately after entering bed or do thoughts and worries begin to flow into your mind, keeping your sleep away? Do you find it hard to stop them?

When you are in bed at night there are fewer outside distractions, it is quiet and dark, and therefore you are more aware of the movements of your mind. You feel that thoughts are attacking you, not giving you a moment’s rest, especially if you are experiencing some problems in your life.

“Doleful Tales of an Insomniac”
I tried with all my might but I just could not stay awake. My eyelids grew heavier by the moment until I finally caved in and dozed off. When I was abruptly awakened 15 minutes later, by an old lady poking my ribs with her fancy umbrella, I realized that I missed my stop again.

This is the third time in this whole week that I slept off during my bus ride and failed to get off at the supposed destination. It was not only during the bus rides that I slumbered.

“Anger and your health”
Jane and Anthony have differing ways of viewing the world. Jane is a pessimist (the glass is half-empty), while Anthony is an optimist (the glass is half-full). These outlooks influence how they experience similar situations.

“20 Tips to Ensure Good Sleep”
Getting a good night’s sleep is one key to having a productive day — so if you’re plagued by periodic or chronic insomnia, you’re bound to be compromising your ability to do your work.

Here are 20 things that can help you . . .

“Fifty Useful Tips For Better Sleep”
You can sleep without pills and still beat insomnia. The fifty following tips will help you to have a better night’s sleep.

“The Buzz on Anti Aging Buzzwords: The latest in the fight against cellular aging”
Anti-aging agents grace the shelves in department stores, discount stores, even behind the pharmacy counter. So what’s the difference among these products? Do they work? Are they right for you?

Here’s a guide to some of the latest products in the fight against cellular aging.

“HE105 Why Grow Old?”
The elixir of youth lies in the mind or nowhere. You cannot be young by trying to appear so, by dressing youthfully.

You must first get rid of the last vestige of thought that you are aging. As long as that is in the mind, cosmetics and youthful dress will amount to very little in changing your appearance.

“HE71 World’s Oldest Living Man Owes It All to Wine, Pasta, and Genes” by John Follain
When Antonio Todde was born in his remote village in the heart of Sardinia, Benito Mussolini had just started school on the Italian mainland and in Paris the Eiffel Tower was inching its way skywards.

Now, 111 years later, the retired shepherd is claiming his own piece of history as the world’s oldest man.

“HE65 Hormone Replacement Therapy” self help article by By Dr. Ralph Moss
When my wife entered menopause a few years ago she went to a prominent New York gynecologist for help. This doctor, until then sympathetic to alternative ideas, suddenly became a hard-liner.

She dismissed alternative treatments with the wave of her hand, demanding proof of their safety and effectiveness. She insisted that my wife immediately begin hormone replacement therapy (HRT).

“HE 69 The Demise of Hormone Replacement Therapy” by Dr. Ralph Moss
You’ve probably heard the astonishing news about hormone replacement therapy (HRT). A recent study in the Journal of the American Medical Association reported that women who took a combination of estrogen and progestin had more, not fewer, health problems than those who didn’t.

This federally funded study of over 16,000 women was supposed to prove, once and for all, that HRT was beneficial. Instead, HRT turned out to do more harm than good: there was a 29 percent increase in coronary heart disease, a 26 percent increase in breast cancer, and a 41 percent increase in stroke, all of which overpowered a decrease in the incidence of hip fractures and colon cancer.

“HE70 The Ayurveda Approach to Menopause and Natural Hormone Replacement Therapy” By Nancy Lonsdorf, M.D
The medical community is quickly evolving its understanding of menopause.

Following the abrupt, early halt to the HRT portion of the Women’s Health Initiative last July, due to findings that Hormone Replacement Therapy’s risks outweighed its benefits, headlines now read “Menopause is not a disease, but a normal part of life.”


The Basics of Caring for the Elderly – Caregiver guide

“As Fresh As A Daisy: The Basics Of Elderly Personal Hygiene”
Personal hygiene is an essential part of every individual’s daily routine. You get up, shower, clean your teeth, deodorize and repeat the same steps in the evening to make sure that you stay fresh all day long. Being personally hygienic can make you feel great. However, what if you were to be unable to fully look after yourself and nobody would actually carry out that routine for you? You would go into every day feeling dirty and that would only serve to induce depression and frustration. It is therefore important to establish a hygiene routine whilst caring for the elderly so that you don’t miss anything out.

If you are responsible for washing the elderly person that you are caring for then you should pay attention to the routine that you are establishing and talk them through it the first few times so they know what to expect. This will not only build up trust, but may go some way to helping them relax. Many seniors are somewhat reluctant to let anyone administer their personal care, and understandably so.

Your Prosperity



“Is Your Money Mindset Fat or Thin?”
It’s a well know fact that how you feel about money greatly determines how much of it you earn and more important… how much you keep. So lets take a look at your Money Mindset and see what it reveals about you. It’s a well know fact that how you feel about money greatly determines how much of it you earn and more important… how much you keep. So lets take a look at your Money Mindset and see what it reveals about you.

“For Richer or Poorer” by Gary Foreman
You’ve fallen in love. And now you’re planning on spending the rest of your life with that special someone. A date has been picked for the wedding. You’ll discuss a lot of things before the big day.

Not only will you talk about all the wedding arrangements, but also your dreams for the future. As you hold each other’s hands you’ll discuss how many children to have, what you’ll do with your careers and even what your perfect house looks like.

P116 Learn (the new technology of) How to Bank by Kimberly Griffiths
The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers’ behavior by encouraging electronic banking alternatives whenever possible.

They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it’s time to do some competitive shopping.

P99 Elderly and deeply in debt by Steve Bucci
Many seniors are having trouble making ends meet due to the downturn in the stock market, low bond yields and increasing property taxes and medical expenses. Knowing that does not solve your problems, but it sometimes helps to know that others are enduring similar situations.

It is not legal for bill collectors to harass you on the phone. The Fair Debt Collection Practices Act protects you from abusive collection techniques. You can get information about what can and can’t be done at the Federal Trade Commission’s Web site.


If you retire at age 65, your retirement could last 30 years or more. And many of you would like to say adieu to the work-a-day world when you’re in your 50s.

Will you have the financial wherewithal to do that?

Of course, that answer is determined by how much money is available in your retirement plan, Social Security benefits and any additional personal savings or investments. Will it be enough? The odds are, you don’t know.

But experts say having a realistic estimate of how much income you’ll need during retirement is key to a successful retirement plan.

Continued P88 Calculating your retirement by Laura Bruce


“Retirement – Its Sooner Than You Think!! (honestly) ”
Many people hear “retirement” and think— what? 401K? Roth vs. Traditional IRA? Stocks, bonds, mutual funds? Do they?

Or do many people put money away according to the suggested amount and then simply hope that when retirement comes all will work out? One report I read estimated that 66 million Americans have put away a Whopping $0 towards retirement.

Many people are still thinking there might be a thing called Social Security around when they retire. Social Security: as of 2004, the average annual Social Security retirement benefit is approximately $11,000. That is not a lot to live on folks. Plus, we all hear the news periodically that there might not be any Social Security around when we get older and need it.

“Don’t Let Finances Rule Over Your Self-Esteem”
I know a barber who had the opportunity of buying one of the oldest and best barbershops in his city. He had worked there for a few years, and knew it was a good investment. So, he made arrangements with the owner, and took the plunge.

However, it wasn’t long before he realized he was in serious financial difficulty. Actually, he was in trouble before the purchase of the shop, and the added debt put him in way over his head.

“Retire and the 406 Dollar Soda”
Do you like Coke? I know I do, and nothing hits the spot like a cold, refreshing Coke on a hot summer’s day. I like the 20 ounce one from the vending machine. They only cost one dollar, and they are pretty accessible wherever I go. I know you are saying to yourself, “This is supposed to be an article about retirement, not Coke.

What are you talking about?” Well, that is a good point. Have you ever thought about the other cost of a Coke, meaning what that dollar could have become? The answer is: should you have invested that same dollar at age 18, that Coke cost $406 at age 70.

“Early Retirement: What You Should Know”
For many reasons, more and more people are opting to retire at an early age.

The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65.

In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age.

“What is a 401(k) plan?”
The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most businesses and tax-exempt organizations can create these retirement plans.

The 401(k) takes its name from the IRC (Internal Revenue Code) of 1978. The operation of the 401(k) is administered by the EBSA (Employee Benefits Security Administration) of the Department of Labor.

“The Benefits of Continuing Care Retirement Community”
People nowadays have already realized the importance of saving for the future, especially for their retirement. This is because when they reach their retirement age, all they have to do is to relax and enjoy life together with the financial benefits that they themselves have tried to save little by little.

That is why, when it comes to retirement and the benefits that can be derived from it, people should take the matter seriously.

“Financial Planning for Retirement: For Worry-Free Retirement”
Planning can be a tedious activity especially if you are planning for retirement. Many people realize how advantageous financial planning for retirement can be while others find it mysterious.

In fact, most experts say that for people who are only making enough money to make due payments in each month, then it means that they should start contemplating on how they can still make money even if they are already retired.

“Plan your Retirement in as easy as 1 – 2 – 3 Using Financial Planning Software”
Rather than spend your hard earned money hiring a financial planner or consulting with one, there are actually countless software programs that would help you in managing your finances. These programs are efficient tools for planning and making all those important retirement calculations.

One software program is MFC, My Financial Coordinator. It literally serves this purpose. It merges all your income streams into a coherent report therefore making managing your assets so much easier to understand and manage.

“How to build retirement security”
Knowing if you have saved enough is just part of retirement security. The other part involves creating an investment scheme that will create income without touching your savings.

If you’re past 40 or in your 50s, things are a little more difficult. It’s difficult to predict the amount of income that you’ll need during retirement. The needs and interest rates are bound to vary during that period.

“The style, Why, when, where, how to retire”
Early on, it won’t hurt just thinking about how, when and where you would retire in order to prepare for the inevitable advantage of living a full hassle-free living after working for a number of years. The following are a number of tips to ensure you are set for life.

“Individual Retirement Arrangement”
An IRA or Individual Retirement Account is an account regarding a plan to retire, which provides certain tax advantages.

The Individual Retirement Account as most people call it is legally known as the Individual Retirement Arrangement. This can may be an annuity which is usually deferred or have an arrangement for a trust that meets particular requirements the Internal Revenue Service necessitates.

“Military Retirement: When Services Really Pay”
When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done.

It is for this reason that retirement benefits are extremely important. It is solely the best gratification one could ever have after so many years of working hard.

“Tips on planning your retirement”
Do you want to start planning your retirement? Are you unsure on how to proceed? Then these tips will be helpful to you when setting up your retirement plan.

“Preparing for Your Golden years”
Planning for your retirement is obviously a good idea. The phrase “the earlier, the better” describes what your policy should be for handling your transition from a harried work life to your relaxed golden years. At best, take twenty four to eighteen months to prepare for this significant change in your life.

“What is Public Employees’ Retirement System?”
The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary.

Planning for your retirement can prove to be a very tiring task but making the right decisions before you hit the critical retirement age is no excuse for learning all the things that you need to know about securing this later stage of your life.

Life insurance, social security and even the more classic individual retirement account (IRA) will help you through your retirement age. Counselors from these departments are better equipped with procedures on assisting clients with questions regarding the odds related to your life’s most challenging part.

Benefits constitute the most important spot when you reach old age. Different agencies takes business on this matter and most of them provides a comprehensive details and options to managing your life and take on a more secure, financially stable future.

“The Advantages of Retirement Calculators”
When it comes to financial matters especially, calculators are the best math-buddies of most budget-conscious and money-saving people. Especially for people who wish to know how much they will earn from their nest egg when the time comes that they have decided to retire.

“The Right Retirement Community”
Are you thinking of moving into a retirement community and spend your days in comfort? Planning ahead for your retirement is a very prudent endeavor on your part. And choosing the perfect retirement community for you to stay in is one of the most important steps. The following tips will help you determine the retirement community that is just right for you.

“Helpful Tips in Finding the Right Retirement Home for You”
1. Ask yourself how much you are willing to spend on your retirement home. Make sure that you can afford the retirement home of your choice. Find out if the home can meet your physical needs. Consider a retirement home that has health support like nursing and personal care. You may also consider the government-regulated long-term nursing home. This type of home can provide you enough health care than retirement homes.


“Guidelines in Choosing Retirement Housing”
1.Determine if living in retirement housing is for you. Living in retirement housing requires a lot of adjustments and flexibility. Ask yourself if you can be flexible with your new environment. Your lifestyle may also change and you should be prepared that the place, the surroundings, the people and many factors may be far more different from what you have now.

“7 Ways to Boost Your Retirement Income”
Retirement contributes almost 1/3 of a person’s life. It is for this reason that retirement should be given preparation and planning. Many Americans forget to save or just ignore their retirement. It’s very easy when you are young to think you have time to consider retirement later. However, the years roll by quickly and you can find yourself approaching middle age with no plan in place.

You need to start now and think of better ways to prepare for that time. It doesn’t mean that money will also retire once a person has retired. Here are some ways on how you can boost your retirement income:

“Investing Upon Retirement”
There is a lot a person can do even after retirement. It is an end to one chapter in a person’s life and the beginning of another.

There are many things a person can do such as learn new skills, take classes and be more active with the community. By staying active, one’s mental development is still sharp making the person feel important.

“Know the Right Retirement Location for You”
You might be overwhelmed by the number of retirement locations offered across the country. Each of which may provide everything you need or the best comfort and amenities you are looking for. You might be confused on which of the retirement locations you would like to spend your retirement age.

Make a checklist of the things you need to help you narrow down your choices. This will help you to not overlook the important things that you need to consider. First list the things that matter most to you and then follow the secondary things that you are looking for.

“Getting a retirement plan”
Are you considering getting a retirement plan? This is a good investment on your part since this will greatly help you sustain your quality of living even after you have already retired and your main source of income is gone.

“Retirement Planner: Planning at its Best”
Planning is such an important factor in every decision a person makes. Planning is crucial to the success of every activity because disorganized facts and information will result in chaos, mismanagement, and misunderstanding.

And, just like any financial decision, planning for retirement is such an important issue that one should never neglect or take for granted.

“Retirement Planning Consultant Services”
Approximately one third of your life will be spent in retirement. It is important to plan ahead to be able to provide for yourself and enjoy this time of your life. Retirement is never too difficult to handle. However, many still have the misconception that retirement is a burden and a very difficult situation.

Before you enter your retirement age, it is best that you plan. Starting your retirement planning early will give you less stress and less trouble. It is better to start early with a minimum amount than starting it late and be overwhelmed with the amount that you have to save.

“Retirement Planning Services”
Financial advice is literally everywhere. Everybody has an opinion to give it seems, friends, family, neighbors and even strangers. A lot more people therefore are going to financial planners. They consult these advisers in the belief that these people know better. Here are some things you would want to know about your financial planner

“Preparing For Retirement”
Certain questions arise whenever an employee starts to think about retiring. Sadly, many reach retirement age unprepared. Some started planning late because of ignorance or lack of information. Some had a mindset that getting ready for retirement should be done when you’re nearing the age of retirement. The following list some information on retirement that should be helpful to employees of all ages.

“The Ups and Downs of Retirement”
Retirement is not the end. It is the beginning. It is a phase where an old chapter is closed and the person moves forward to face another.

There are many things people can do after retirement. A person can do new things, learn new skills, be more active with the community but most people feel that the identity of the person is with the job which makes it difficult to let go.

“Save for Your Retirement Today”
When you are young and sprightly, thinking of your retirement years will most certainly be the last thing on your mind. However, it’s never too early to think about the future, and it would make good sense to start now.

Here are a few tips to help you guarantee a financially safe future even through the golden years.

“Hot tips on your retirement savings”
At the start, safety features were not needed in car design. Neither was it needed in a 401(k) account, but that is no longer true.

“Retirement and the Future”
Many wait until the age of 65 before finally deciding to retire. By the time that people do reach that age, the person may be too slow and will hardly be able to enjoy the benefits of all the years of service.

Nowadays, people don’t have to wait. By following some tips that will save money, a person can retire early and enjoy it.

Retirement is everybody’s business. Everybody expects to age and planning on the critical stage of your life may present too many challenges that careful thinking and planning, and following smart recommendations will help you put your self above the difficulties and win them.

Travel, retirement housing, health care insurance, and managing your budget all throughout your retirement age are just some the concerns that needs to be given enough attention and focus.

“A Guide to Secure your Retirement”
There are several meanings that people might put to the term “retiring comfortably”. You might plan on hopping around the globe, or obtaining a dream ‘castle’ in a faraway land, or lazing around in a tropical destination.

Despite these romantic scenarios, you still have to listen to your practical side. See if you can afford the standard of living that you want in your leisure years.

“Factors Affecting Retirement Benefits from Social Security”
People need to work in order to survive in the continuous struggle for existence. Through work and the salary that they get in exchange of the services that they provide, they are able to make the ends meet.

People usually retire by the time they reach the age of 65. Here, they are able to relax and enjoy the remaining days of their lives with their family and friends, with no debts to worry and no deadlines to beat.

“Preparing for Retirement”
There will come a time in a person’s life when the person no longer has to work. All one has to do is sit back and relax on the benefits that have been earned through the years.

When people are young, the word retirement is not something of much concern. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes is a dream but with proper planning can become a reality.

“The Time to Retire”
When people are young, the word retirement is not something of much concern. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.

Years ago, the concept of retirement did not exist. People worked till the day came where they would die. Those days are gone now with government sponsored health care, company benefits and insurance companies.

“The Four Classifications of a Public Retirement System”
It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working schedule is modified into a more relaxing pace, away from the hustle and bustle of the everyday struggle to work.

P113 Retirement and the $406 Soda by Kenneth Bateman
Think about that. Every one dollar you spend today costs you a small fortune when you are retired. I have worse news for you — and here is the big secret about retirement — retirement is when you need the money the most.

I am sure most of you know elderly people who are saddled with medication costs that take up more than whatever Social Security and Medicare provide.

P91 Eleven ways to save after retirement by Dana Dratch
Want to hang on to your gold in your golden years?

Take the same approach to money management you did before you grabbed the proverbial gold watch and kissed the 9-to-5 grind goodbye. Careful planning, money management and saving will go a long way toward making your retirement years relaxing — not taxing.

P90 A Simple Retirement Plan by Gary Foreman
Experts used to suggest that you’d need about 50% of your pre- retirement income to maintain the same standard of living. Recently, they’ve begun to increase that percentage, with some going as high as 85% of your current income. I’m cautious, so I’m going to use a figure of 80%. You choose your own.

Remember, throughout this exercise, it’s better to have too much money available when you retire rather than too little! Suppose my family income is $75,000. Multiply that by 80% and I’ll need about $60,000 to live the way I do today. ($75,000 X .8 = $60,000)

“Find 500 Dollars in Your Lunchbox”
We all know that we’ll save mega bucks by packing a lunch instead of eating out ($200- $500/month), but the daily chore of packing a lunchbox can seem like a poor trade-off for the convenience of restaurant dining.

Well I’m here to tell you that it’s possible to pack interesting, nutritious lunches that won’t have you slaving in the kitchen the night before.

“Five Ways to Cut Your Phone Bill”
After finishing a recent job with a telephone company, I noticed that we as customers overspend an average of $15 to $25 monthly on our phone bills.

Some of us fail to update to promotional rates. Others of us forget to cancel services we no longer use. And a few of us are being charged for calls we didn’t make or for options we didn’t order.

“Considering Network Marketing?”
An Evaluation Guide to Long Term & Profitable Business Development Let’s start with a few assumptions:


“To will or not to will, Do’s and Don’ts in making a will”
First things first, you should have a will. Wills not only do the obvious: distribute wealth and possessions to loved ones; they also leave an impression on how carefully one has managed his or her estate especially for those left behind. The following are things one should and should not do in making a will

P101 Pre-planning and Dealing with Finances and Funeral costs
Sooner or later, our loved ones are going to die.

When it happens, family members are left to sort through a host of financial issues that start with funeral arrangements and usually end with passing along or disposing of a lifetime of personal belongings.

Here are some of the details that need to be addressed and how to handle them.

The first important step is to determine who’s responsible for these matters. It makes a difference because financial institutions will only recognize authorized individuals.

It’s easy to take the first step to your better life right now.
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