Newsletter 12/29/14

mentoring quote

HAPPY NEW YEAR!

Hello,

Things to think about as we are in the season of ‘goal setting’

When setting a goal, it makes sense to find someone that has succeeded at what you are trying to do! If you do, your ability to achieve good results improves dramatically.

To be accountable to that Coach gives you the hope and guidance to succeed.

Mistakes are costly, emotionally and usually financially –  I know I have made mistakes many times!

May I suggest a better option… a Mentor – Mentorship is Leadership – Support – Results

The key to mentorship? The mentee takes the words, advice and actions with no backlash and/or question.

Where do you fit in?

  • Do it on your own and you have to learn from your own mistakes!
  • Coaches get you to the next level quicker because they help you avoid mistakes!
  • Mentors hold you accountable – action support results – and it gets done!

Enjoy Life!

Michele Foster

It Takes a Mentor

With millions of students returning to school — both K-12 and college — this is a good time to review the intriguing results of some research that Gallup did over the past year, exploring the linkages between education and long-term success in the workplace. That is: What are the things that happen at a college or technical school that, more than anything else, produce “engaged” employees on a fulfilling career track? According to Brandon Busteed, the executive director of Gallup’s education division, two things stand out. Successful students had one or more teachers who were mentors and took a real interest in their aspirations, and they had an internship related to what they were learning in school.

“We think it’s a big deal” where we go to college, Busteed explained to me. “But we found no difference in terms of type of institution you went to — public, private, selective or not — in long-term outcomes. How you got your college education mattered most.”

Graduates who told Gallup that they had a professor or professors “who cared about them as a person — or had a mentor who encouraged their goals and dreams and/or had an internship where they applied what they were learning — were twice as likely to be engaged with their work and thriving in their overall well-being,” Busteed said.

Read more…

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Seven Reasons Most People Need A Mentor

Most of the mail I receive isn’t generated in response to my columns. Folks write to me because they believe, as a shrink, I have an answer to their questions about “how to make it” as a business builder. The prototype reads like this: “I’ve done well in school, am told I have great potential, but haven’t been able to board the bullet train in order to ride the fast track to success. What should I do?”

I’d like to answer all those letters now by offering one, and only one, suggestion: Find a mentor.

This isn’t my personal opinion, it’s a fact: Studies show that most people who succeed have a mentor, a Rabbi (the New York City vernacular for mentor), and only as a last resort an executive coach.

Read more….

Ten Steps to Finding Your Mentor

Source: powertochange.com ~ Authors: Pat Williams with Jim Denney

Are you looking for a mentor – someone who will build a relationship with you, someone to teach and advise you and enable you to become a wise and effective human being? Here are ten steps to finding that person:

  1. Look at the people you know. Look around at the people in your personal and professional life. Is there someone you admire? Someone you would like to emulate in some way? Someone who has the wisdom you need?
  2. Consider people you’ve never met. Research the top individuals in the businesses, organizations and trace associations of your chosen field. Find out as much as you can about them. Identify those individuals whose values and accomplishments you most admire.
  3. Select a mentor who is a good listener. The best mentor is one who gets to know you – your skills and strengths and weaknesses, your individual personality and your aspirations. A good mentor should not serve as a lecturer, but as a sounding board who will help you with your struggles and help you to clarify your principles and beliefs.
  4. Select a mentor who levels with you. A good mentor doesn’t just encourage you, but will also tell you the blunt truth when you are moving in the wrong direction. It is also a good sign if your mentor is candid and open about his or her own life. Anyone who has accomplished great things has made mistakes along the way and will share those experiences freely so that you can learn from them.

Read more…

What It Takes to Go From Dead Broke to 6 Figures in 6 Months

As entrepreneurs we know life is often a roller coaster with lots of uncertainty and chaos. When you’re in the struggle, it’s tough to see a clear path to success, but it’s crucial to let your vision guide you, not your current circumstances. You must embrace those challenges, because that’s where your hunger for a better life is developed.

Nobody wants to be broke, and nobody wants to struggle, but it’s part of the process. It’s asking the right questions, and taking the right action while in the struggle, that can change everything. When I was in my toughest spot I was dead broke but six months later I was earning a six figure income. What it took to make the change is available to everyone.

Absolute clarity.

It’s easy to make decisions once you determine what your real values are.

Read More…

 

Newsletter, 12/10/2014

Hello Friends:

This time of year is full of joy, magic and hope.

So let’s get to work of those resolutions NOW so that we can feel them developing through this festive time of the year. And, being with family and friends gives us the desire and will power to make change RIGHT – things are changing so we should manage that change to our GPS not to someone or something else?

I am going to share my Resolutions – I do this in quarters for a couple of reasons:

I believe – well let’s use the climb a mountain metaphor – we need to get to base camp 1 to get to base camp 2 to get to 3 and then reach base camp 4, which in this case is the mountain top of a yearlong “plan”.

There are so many categories in which to set goals that is I stretch myself too far out and I lose sight and even the ability to to make them achievable.

However, always starting with the end in mind, I will describe and visualize this time -December 2015 – then set base camp 1, specific goals with daily and weekly actions.

My mission or goal is to live this coming year within full integrity and to make a difference in the lives of others. To fulfill this mission I have clarity. I seek out each one regardless of their situation.

  • I sacrifice and I will devote my time, talents & resources to my mission.
  • I will inspire, I teach by example
  • I will be impactful, what I do makes measurably a difference in people’s lives.

The following roles take priority in achieving my mission:

  • Dale is the most important person in my life and together we will contribute the fruits of harmony, industry, charity, and thrift.
  • With my puppies I will progressively seek greater joy in their life.
  • As a daughter I am frequently there for support & love.
  • God can count on me to keep my covenants and to serve his other children.
  • My neighbors will see that the love of Christ is visible in my actions.
  • I will be a Change Agent and a Catalyst for developing high performance in large organizations.
  • As a scholar – I learn important new things every day.

Thought I would share the following article (and cartoons) to help you through the process of your New Years Resolutions.

Feel free to contact me at askmicheletoday@gmail.com if I can, in any way, help you with your New Years Resolutions,

Make the most of every minute!

Michele Foster

The 10 Most Common New Year’s Resolutions and How They Can Make You Rich

new-years-pictureIn less than 24 hours, the ball at Times Square in New York will drop and 2013 will be no more. This also means it’s that time of year when millions of Americans will make New Year’s resolutions that often revolve around their own health or well-being.

For a moment, let’s put aside the fact that a vast majority of those who attempt to change themselves for the better through New Year’s resolution will fail within the first couple of weeks, and instead focus on that percentage of the population who will be eating healthier and living better in the new year. That, right there, could be your recipe to riches.

With that in mind, let’s use a recent Harris Poll that examined the 10 most common New Year’s resolutions to find a few ways that these resolutions could help lead you to a happy retirement… if that’s your New Year’s resolution, of course.

Here are the 10 most common New Year’s resolutions, according to Harris, and some intriguing ways to prosper from them:  Read more…

Small Town Couple Become Isagenix Millionaire

Joni & Todd BTodd and Joni B. are high school sweethearts who live in the same small Washington logging community they grew up in. Just hard working people with the No. 1 goal of raising their three boys to be happy and productive, life was always a struggle financially because the local sawmill was their major source of income.

While Joni worked stints as a waitress, a mill worker and small franchise owner, ultimately her focus was raising her kids. She had always been a positive, happy person, but the stresses of raising their sons and struggling with her weight and finances for years began to take a toll. She began to lose her bright personality and describes it as losing her “happy.”

Read more…

9 Day Melt Down Program

9 Day Melt Down ProgramLose 9 – 15 pounds in just 9 days – guaranteed!

Whether you are looking to jump start your fitness and nutrition regime or looking to get started, the 9 Day Melt Down will generate a weight loss of 5 – 15 lbs and change your body!

THE NATURAL WAY TO:

  • Release weight and toxins through detoxing your body. Through this process, nutrients can be absorbed better and allow your body to lose fat that are attached to toxins.
  • Increase your metabolism through progressive workouts that will burn fat and increase lean muscle.
  • Get the tight and toned figure for your wedding, honeymoon and ever after!

Sign up and Save… ~ Check out this amazing Exercise Routine

10 Ways to Make Your New Year’s Resolutions Stick

new-years-resolution-dollsThere’s an inevitable rhythm to January 1 at my house. I take down the tree, vacuum up pine needles, and start making my New Year’s resolutions. The list usually looks like this: Lose weight. Swear off TV and saturated fat. Eat salads. Call Dad more. Write that novel. Floss. By midday I’m worn out, intermittently dozing in front of a football game and swiping my husband’s million-calorie nachos.

It’s not that I totally lack discipline. It’s just that I don’t sufficiently appreciate what’s going on in my brain, explains Joseph Shrand, M.D., an instructor of psychiatry at Harvard Medical School. Self-restraint is a rational desire, which means it lives in the front of the brain, the section that’s most recently evolved and most vulnerable to being overruled by survival instincts. Pleasure resides in the brain’s most primitive part, which has spent millions of years learning to reward us with a deeply satisfying jolt of dopamine when we give in to these kinds of urges. And while that brain circuitry evolved to encourage life-prolonging desires like eating and sex, says Dr. Shrand, we now get a rush from giving in to anything we want, whether it’s an illicit drug, chocolate, or buying expensive purple peep-toe boots, even when the more evolved part of our brain tells us we’ll quickly regret it.

So how do you help the rational (i.e., your New Year’s resolutions) triumph over the pleasure-seeking? Read more…

Thanksgiving Newsletter 2014

Happy Thanksgiving –

At this time of feast, harvest and joy I want to truly express my thanks to all of you for your support of possibilities, dreams and a better way.

My beautiful friend Mr. Turkey is really a reminder to appreciate what we are celebrating because so many others do not, while, remembering to just enjoy the holiday –

We have a plan for after that releases that 10 pounds once the scale shows the 10 pounds on Monday morning,

So many of you have asked for “the holiday cleanse” so here it is!!!.

Now if you want the customized daily coaching go to https://www.facebook.com/groups/freedomteamcoaching/ on Face Book and follow along.

Or if you want to receive a personalize email – okay just tell me so before Sunday November 30th send in the subject line: Coaching Holiday Cleanse at askmicheletoday@gmail.com  and you will have it.

Again Happy Thanksgiving to you and your family,

Michele Foster

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10 Ways to Avoid Holiday Weight Gain

Experts say portion control is key when the temptations are endless.

It’s that time of year when extra calories lurk around every corner — frosted cookies at the office, eggnog at your neighbor’s, jelly doughnuts for Hanukkah or chocolates in your stocking. All these extras add up, and if you’re like most Americans, you’ll put on a pound or two by New Year’s Day.

So what’s the harm in a little holiday weight gain, especially if it’s just a pound? According to researchers at the National Institutes of Health, most Americans never lose the weight they gain during the winter holidays. The pounds add up year after year, making holiday weight gain an important factor in adult obesity.

But you don’t have to fall into this trap. It is possible to enjoy holiday goodies without putting on a single pound. “Portion control is the key,” says Susan Finn, PhD, RD. Finn serves as chairwoman of the American Council for Fitness and Nutrition. “I don’t believe you can’t eat food that you like — even indulgences — but it is the amount you eat,” she tells WebMD.

Of course, it’s not easy to go on portion patrol when the temptations are endless. That’s why WebMD compiled these tips to help you avoid overindulging.

Continue reading…

How To Fit Exercise Into Your Routine (No Matter How Busy You Are)

We all know by now that maintaining an active lifestyle should be one of our top priorities in life. Only by taking care of ourselves do we stand a chance of being the kind of person we strive to be on the job, at home with our loved ones and in our communities. But that doesn’t mean it’s easy.

Work, in particular, can get in the way of working out — in fact, there is a big paradox going on, and it becomes more obvious the more challenging (and exciting!) a job gets: On one hand, we struggle to find time to work out; on the other, we can’t afford tonot exercise because it is integral to sustained success.

My co-author and I sought to get to the heart of this paradox — and figure out how to beat it — when we wrote Winning Without Losing: 66 Strategies for Building a Wildly Successful Business While Living a Happy and Balanced Life. We interviewed 25 high-powered workers from around the world who somehow manage to exemplify healthy work-life balance. Based on these interviews, we’ve put together six tips for how to fit exercise into your daily routine — no matter how busy you are with work.

Continue reading…

John_F._Kennedy,physical fitnessThe List: Facts about President John F. Kennedy’s love of sports

Although he had medical problems throughout his life, President John F. Kennedy was an avid sportsman who always projected an image of vigor. As America remembers JFK on the 50th anniversary of his assassination in Dallas on Nov. 22, 1963, The List takes a look at President Kennedy and his love of sports.

  • 10. Cover boy — President-elect Kennedy was on the cover of the Dec. 26, 1960, Sports Illustrated. In the magazine, he wrote an article on the importance of exercise and participating in sports and physical activity, particularly among young people. He ended the article by writing, “We do not want our children to become a generation of spectators. Rather, we want each of them to be a participant in the vigorous life.”
  • 9. Meeting the champ — In 1962, President Kennedy met reigning world heavyweight champion Floyd Patterson at the White House to help bring attention to the Big Brother program, a youth mentoring program (now called Big Brothers Big Sisters). Kennedy boxed while at Harvard in the 1930s. At that time, boxing was required of every undergraduate.

Continue Reading…

Inforgraphics_Obesity_A_Ticking_Time_Bomb

Newsletter, 11/10/2014

 

Time Freedom, Money to Live and Health to Play!

This really brings to light my own personal story and my passion.

My Dad retired at 55 years old with an amazing pension from a corporation he worked for – for 35 years. Oh for the good ole days . . .

He plays golf, cards, he fishes, socializes and travels.

It’s great that he’s been given time, freedom and money, however, he needed health and now he has that too.

My parents have it all and now they even have another income stream that they do not go to work for, they just share with others looking for the same level of health and energy that they enjoy.

Imagine – Health and Money to live on – they all have time at that age!

Young people have lots of health, but no time and no money…

 Baby Boomers have some time some money and some health…

What I propose is to have it all – Be Fit, Be Fabulous and Be Financially Free.

If one or two (or three) areas of this note encourages you to look more in to what I have to offer – please feel free to contact me at askmicheletoday@gmail.com

Think about this:

Do today what others won’t, so you will have a tomorrow that other’s don’t.

Be Healthy & Happy,

Michele Foster

Network-Marketing-167-Billion-Industry

The 50-Plus Job Market: 5 Trends to Watch

Source: retirementrevised.com ~ Author: Mark Miller

Working longer is a mantra these days for many Americans hoping to build greater retirement security. Staying on the job even a few years beyond traditional retirement age makes it easier to delay filing for Social Security; it also can mean more years contributing to retirement accounts and fewer years of depending on nest eggs for living expenses.

But since the Great Recession, staying employed has been easier said than done for all workers. The economy has continued to mend gradually, and the job market has improved. How are older workers faring? The picture is mixed.

More older workers are participating in the labor force, and they experience lower unemployment rates than younger workers. Still, problems remain. Most workers think age discrimination by employers is commonplace. And older workers who do lose their jobs tend to be out of work longer and earn less when they do secure new employment.

If you’re in the ramp-up years to retirement and aspire to stay employed past traditional retirement age, here are five key trends to watch.

Read More…

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The biggest surprises in retirement? The experts weigh in

Source: Rueters.com ~ Author: Mark Miller

The Great Recession served up some nasty financial surprises to people approaching retirement – the housing crash, job loss and shrunken 401(k)s, for starters.

But retirement can bring lifestyle surprises, too. It’s one of life’s biggest transitions, and a major leap into the unknown. Hoping to lessen the guesswork for people who aren’t there yet, I asked experts who work with people transitioning to retirement about the surprises they hear about most often.

“Time freedom” is a shock for many, says Richard Leider, an executive career coach and co-author of “Life Reimagined: Discovering Your New Life Possibilities” (Berrett-Koehler Publishers, 2013).

“Without the time structure of working, folks often go on autopilot, the default position of repeating old patterns,” he says. “However, there is no status in the status quo. So, at about the one-year mark, they realize that time is their most precious currency. Often a wake-up call – health, relationships, money or caregiving – forces reflection and helps them to say ‘no’ to the less important things that simply clutter up a life and ‘yes’ to the more important things that define a purposeful life. They choose fulfilling time.”

Read more…

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Flexibility Exercises

Source: nihseniorhealth.gov

To get all of the benefits of physical activity, try all four types of exercise — endurance, strength, balance, and flexibility. This section discusses flexibility exercises.“““

More Freedom of Movement

Stretching, or flexibility, exercises are an important part of your physical activity program. They give you more freedom of movement for your physical activities and for everyday activities such as getting dressed and reaching objects on a shelf. Stretching exercises can improve your flexibility but will not improve your endurance or strength.

Flexibility Exercises to Try

The 12 flexibility exercises which follow are:

  1. neck stretch
  2. shoulder stretch
  3. shoulder and upper arm raise
  4. upper body stretch
  5. chest stretch
  6. back stretch
  7. ankle stretch
  8. back of leg stretch
  9. thigh stretch
  10. hip stretch
  11. lower back stretch
  12. calf stretch

How Much Stretching Should I Do?

Do each stretching exercise 3 to 5 times at each session. Slowly stretch into the desired position, as far as possible without pain, and hold the stretch for 10 to 30 seconds. Relax, breathe, then repeat, trying to stretch farther.

You can progress in your stretching exercises. For example, as you become more flexible, try reaching farther, but not so far that it hurts.

Safety Tips

  • Talk with your doctor if you are unsure about a particular exercise. For example, if you’ve had hip or back surgery, talk with your doctor before doing lower body exercises.
  • Always warm up before stretching exercises and stretch after endurance or strength exercises. If you are doing only stretching exercises, warm up with a few minutes of easy walking first. Stretching your muscles before they are warmed up may result in injury.
  • Always remember to breathe normally while holding a stretch.
  • Stretching may feel slightly uncomfortable; for example, a mild pulling feeling is normal.
  • You are stretching too far if you feel sharp or stabbing pain, or joint pain — while doing the stretch or even the next day. Reduce the stretch so that it doesn’t hurt.
  • Never “bounce” into a stretch. Make slow, steady movements instead. Jerking into position can cause muscles to tighten, possibly causing injury.
  • Avoid “locking” your joints. Straighten your arms and legs when you stretch them, but don’t hold them tightly in a straight position. Your joints should always be slightly bent while stretching.

Neck Stretch

  1. You can do this stretch while standing or sitting in a sturdy chair.
  2. Keep your feet flat on the floor, shoulder-width apart.
  3. Slowly turn your head to the right until you feel a slight stretch. Be careful not to tip or tilt your head forward or backward, but hold it in a comfortable position.
  4. Hold the position for 10 to 30 seconds.
  5. Turn your head to the left and hold the position for 10 to 30 seconds.
  6. Repeat at least 3 to 5 times.

Shoulder Stretch

  1. Stand back against a wall, feet shoulder-width apart and arms at shoulder height.
  2. Bend your elbows so your fingertips point toward the ceiling and touch the wall behind you. Stop when you feel a stretch or slight discomfort, and stop immediately if you feel sharp pain.
  3. Hold position for 10 to 30 seconds.
  4. Let your arms slowly roll forward, remaining bent at the elbows, to point toward the floor and touch the wall again, if possible. Stop when you feel a stretch or slight discomfort.
  5. Hold position for 10 to 30 seconds.
  6. Alternate pointing above head, then toward hips.
  7. Repeat at least 3 to 5 times.

Shoulder and Upper Arm Raise

  1. Stand with feet shoulder-width apart.
  2. Hold one end of a towel in your right hand.
  3. Raise and bend your right arm to drape the towel down your back. Keep your right arm in this position and continue holding on to the towel.
  4. Reach behind your lower back and grasp the towel with your left hand.
  5. To stretch your right shoulder, pull the towel down with your left hand. Stop when you feel a stretch or slight discomfort in your right shoulder.
  6. Repeat at least 3 to 5 times.
  7. Reverse positions, and repeat at least 3 to 5 times.

Upper Body Stretch

  1. Stand facing a wall slightly farther than arm’s length from the wall, feet shoulder-width apart.
  2. Lean your body forward and put your palms flat against the wall at shoulder height and shoulder-width apart.
  3. Keeping your back straight, slowly walk your hands up the wall until your arms are above your head.
  4. Hold your arms overhead for about 10 to 30 seconds.
  5. Slowly walk your hands back down.
  6. Repeat at least 3 to 5 times.

Chest Stretch

  1. You can do this stretch while standing or sitting in a sturdy, armless chair.
  2. Keep your feet flat on the floor, shoulder-width apart.
  3. Hold arms to your sides at shoulder height, with palms facing forward.
  4. Slowly move your arms back, while squeezing your shoulder blades together. Stop when you feel a stretch or slight discomfort.
  5. Hold the position for 10 to 30 seconds.
  6. Repeat at least 3 to 5 times.

Back Stretch

  1. Sit up toward the front of a sturdy chair with armrests. Stay as straight as possible. Keep your feet flat on the floor, shoulder-width apart.
  2. Slowly twist to the left from your waist without moving your hips. Turn your head to the left. Lift your left hand and hold on to the left arm of the chair. Place your right hand on the outside of your left thigh. Twist farther, if possible.
  3. Hold the position for 10 to 30 seconds.
  4. Slowly return to face forward.
  5. Repeat on the right side.
  6. Repeat at least 3 to 5 more times.

Ankle Stretch

  1. Sit securely toward the edge of a sturdy, armless chair.
  2. Stretch your legs out in front of you.
  3. With your heels on the floor, bend your ankles to point toes toward you.
  4. Hold the position for 10 to 30 seconds.
  5. Bend ankles to point toes away from you and hold for 10 to 30 seconds.
  6. Repeat at least 3 to 5 times.

How to Get Down on the Floor

The following stretching exercises are done on the floor. To get down on the floor:

  1. Stand facing the seat of a sturdy chair.
  2. Put your hands on the seat, and lower yourself down on one knee.
  3. Bring the other knee down.
  4. Put your left hand on the floor. Leaning on your hand, slowly bring your left hip to the floor. Put your right hand on the floor next to your left hand to steady yourself, if needed.
  5. You should now be sitting with your weight on your left hip.
  6. Straighten your legs.
  7. Bend your left elbow until your weight is resting on it. Using your right hand as needed for support, straighten your left arm. You should now be lying on your left side.
  8. Roll onto your back.

If you’ve had hip or back surgery, talk with your doctor before using this method.

How to Get Up From the Floor

To get up from the floor:

  1. Roll onto your left side.
  2. Place your right hand on the floor at about the level of your ribs and use it to push your shoulders off the floor. Use your left hand to help lift you up, as needed.
  3. You should now be sitting with your weight on your left hip.
  4. Roll forward, onto your knees, leaning on your hands for support.
  5. Reach up and lean your hands on the seat of a sturdy chair.
  6. Lift one of your knees so that one leg is bent, foot flat on the floor.
  7. Leaning your hands on the seat of the chair for support, rise from this position.

If you’ve had hip or back surgery, talk with your doctor before using this method.

Back of Leg Stretch

  1. Lie on your back with left knee bent and left foot flat on the floor.
  2. Raise right leg, keeping knee slightly bent.
  3. Reach up and grasp right leg with both hands. Keep head and shoulders flat on the floor.
  4. Gently pull right leg toward your body until you feel a stretch in the back of your leg.
  5. Hold position for 10 to 30 seconds.
  6. Repeat at least 3 to 5 times.
  7. Repeat at least 3 to 5 times with left leg.

Thigh Stretch

  1. Lie on your side with legs straight and knees together.
  2. Rest your head on your arm.
  3. Bend top knee and reach back and grab the top of your foot. If you can’t reach your foot, loop a resistance band, belt, or towel over your foot and hold both ends.
  4. Gently pull your leg until you feel a stretch in your thigh.
  5. Hold position for 10 to 30 seconds.
  6. Repeat at least 3 to 5 times.
  7. Repeat at least 3 to 5 times with your other leg.

Hip Stretch

  1. Lie on your back with your legs together, knees bent, and feet flat on the floor. Try to keep both shoulders on the floor throughout the stretch.
  2. Slowly lower one knee as far as you comfortably can. Keep your feet close together and try not to move the other leg.
  3. Hold position for 10 to 30 seconds.
  4. Bring knee back up slowly.
  5. Repeat at least 3 to 5 times.
  6. Repeat at least 3 to 5 times with your other leg.

Lower Back Stretch

  1. Lie on your back with your legs together, knees bent, and feet flat on the floor. Try to keep both arms and shoulders flat on the floor throughout the stretch.
  2. Keeping knees bent and together, slowly lower both legs to one side as far as you comfortably can.
  3. Hold position for 10 to 30 seconds.
  4. Bring legs back up slowly and repeat toward other side.
  5. Continue alternating sides for at least 3 to 5 times on each side.

Calf Stretch

  1. Stand facing a wall slightly farther than arm’s length from the wall, feet shoulder-width apart.
  2. Put your palms flat against the wall at shoulder height and shoulder-width apart.
  3. Step forward with right leg and bend right knee. Keeping both feet flat on the floor, bend left knee slightly until you feel a stretch in your left calf muscle. It shouldn’t feel uncomfortable. If you don’t feel a stretch, bend your right knee until you do.
  4. Hold position for 10 to 30 seconds, and then return to starting position.
  5. Repeat with left leg.
  6. Continue alternating legs for at least 3 to 5 times on each leg.

 

Newsletter 10/30/2014

 

Hello,

I just spent the last week with my 84 year old mother and 88 year old Dad. Wow! I am fortunate to still have them both alive and living a great quality of life. Even with our good fortune there are things that really struck home with me that I really need to share.

Car givers – they are necessary and invaluable and you cannot afford NOT to have them.

Point number 1, when facing retirement you need good insurance and Money-lots of it!

Advocacy – there are so many Seniors that health care is not hurting. At any appointment I went on with my parents, they were just another elderly couple waiting in a very big line or lobby because so many seniors live at the Doctors office.

Point  number 2, You need preventive care and it starts with Nutrition, and everyone needs an advocate, not someone that works at the office or hospital, someone that represents you the patient –  a loved one , friend, or salaried caregiver.

When I started thinking and planning for my own retirement, now at age 58, I realized that I must include in my plans, care of my parents too. And, my parents have a pension as well as long term care insurance  – unlike the majority of Americans who do not.

It is important to stay well and the best way to do that is; proper nutrition and less stress . . . which means less financial issues. You cannot be truly well if you are consistently worried about money – at any age!

Make a plan and work the plan – small daily consistencies can deliver long term lasting results. And you if don’t have a plan for you and your family, I have a plan that I want to share with you.

Until recently I did not know there was a solution available to create residual income for retirement and beyond. Now that I know, I want to share this with the world… or at least with people that are looking for real financial freedom.

My sincere hope is that, while you are reading through the facts and figures in this newsletter, you will consider reaching out to me and let me share with you a plan that will facilitate healthy aging and financial freedom . . .

Enjoy Life!

Michele Foster

Retired

Will you outlive your retirement savings?

An article appeared on Bloomberg last week that sounded the alarm on the very real prospect that millions of people will outlive their retirement savings. Lawmakers Seek to Prevent Americans Outliving Savings (Bloomberg, June 11, 2010) had this to say:

“In 1983, 62 percent of workers had only company-funded pensions, while 12 percent had 401(k)s, the center said. In 2007, those numbers were 17 percent and 63 percent, respectively”¦ Most American households at or near retirement “are consumed by fear,” said Anthony Webb, associate director of research at the research nonprofit. “Instead of walking on the beach hand-in-hand in retirement, the reality is that they’re sitting around the kitchen table cutting coupons”¦Nearly half, or 47 percent, of those on the verge of retirement are predicted to run out of money”¦”

The article went on to say that the average 401(k) account has $66,900, and the average monthly Social Security benefit is $1,067—both numbers as of the spring of this year, and neither consistent with the TV version of retirement.

Those numbers are averages and we can and should plan to be above average. But even if we are, even if we’re successful in achieving the hallowed million dollar 401k, will it be enough to cover us for decades of retirement living and the inflation, recessions and stock market reversals that will be inevitable over such a time span?

READ ON… What should we be doing now

Calculator: Will you have enough to retire?

Visit http://money.cnn.com/calculator/retirement/retirement-need/ for the calclator.

Sources: Social Security Administration; Federal Reserve of Philadelphia; Department of Labor.

Methodology

This calculator estimates how much you’ll need to save for retirement. To make sure you’re thinking about the long haul, we assume you’ll live to age 92. But you could live to be 100 or incur large medical bills early on in retirement that may raise your costs even further. Social Security is factored into these calculations, but other sources of income, such as pensions and annuities, are not. All calculations are pre-tax.

The results offer a general idea of how much you’ll need and are not intended to be investment advice. The results are presented in both future dollars (at retirement) and today’s dollars, which is calculated using an inflation rate of 2.3%.

Read more…

The 10 Best Places to Retire on Social Security Alone

In these places, Social Security is likely to cover your basic monthly costs.

 

The Best Places to Retire on $75 a Day

You can live well on a small amount of savings in these affordable cities.

 

Best Places to Retire for Under $40,000

In these cities, you can live well for less than $40,000 per year.

 

10 Low-impact Exercises for Seniors


indoor swimming pools
Exercise is important for good health at any age, and seniors are no exception. You’ll want to talk to a doctor before you start any new exercise regimen, but once you get the all-clear, a low-impact exercise routine can benefit your health by stretching and strengthening your muscles, reducing stress, preventing injury and even helping to lower your blood pressure.

Many gyms offer excellent low-impact exercise classes for seniors, but staying fit doesn’t require a gym. Whether you prefer to get your workout from an instructor in a class, on a gym machine or outdoors, you can reap exercise’s health benefits and have a little bit of fun at the same time.

Low-impact exercises fall into four categories: endurance, strength, flexibility and balance. Incorporating all four types of exercise into your routine helps reduce the risk of injury and keeps you from getting bored. Instead of doing just one exercise all the time, mix it up! For a well-rounded exercise routine, try combining endurance exercises, like walking or swimming, with exercises that focus on the other categories. You can build strength through light weight training or yoga, for example. Yoga is also a great way to improve flexibility and balance.

Looking for more low-impact exercises to round out your workout? We’ve got a list to get you started!