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!

 

Newsletter 10/18/2014

Hello,

This newsletter is all about FACTS:

Rather than bullet pointing all this knowledge, I will recommend to you  small investment to looking at your financial future.

The Next Millionaires by Paul Zane Pilzner costs just $.70 cents on Amazon.

If you want to align your efforts with increasing trends. If you want Experts to point you in the right direction. If you want not only Financial Freedom And the Energy to enjoy it. Take a listen to Paul ‘s CD.

To Your Wellness – Financially & Physically,

Michele

 

work from home cartoon2The Next Millionaires—Wellness Entrepreneurs

If you are an entrepreneur, or considering becoming one in wellness, there has never been a better time in history to own your own business.

When I was growing up in the 1950s, millionaires were fictional characters on television shows like The Millionaire or in comic strips like Little Orphan Annie. Nobody actually knew or saw a millionaire. Even on the The Millionairethe “millionaire” John Beresford Tipton never appeared on camera. I remember asking my dad to go out to dinner and hearing his reply: “What do you think we are, millionaires?”

Read More…

“If you don’t take care of yourself, the undertaker will overtake that responsibility for you.” – Carrie Latet

7 Ways to Sneak Exercise Into the Self-Employed Lifestyle

When you’re self-employed, it’s easy to think that your schedule is 100% your own, and that you can pick and choose exactly how you want to spend your time. However, entrepreneurs work hard to please clients and build the perfect business — which means that personal time is often sacrificed for last minute projects, client meetings and tight deadlines.

The stress and long hours of the entrepreneurial lifestyle often come at the expense of physical and mental well-being. Trips to the gym take a back seat to the business.

If you’ve been struggling to find a way to fit regular exercise into your unpredictable, self-employed schedule, here are a few tips for the new year.

Read more…

paul zane pilzer“The early pioneers of both wellness and network marketing were motivated by the sense that it was possible to create a better life than the conventional routes offered – better personal health and better economic health, respectively. Now the ‘alternatives’ of yesterday have become the economic powerhouses of today and tomorrow.” ~Paul Zane Pilzer

9 Tips to Eat Healthy When You Work From Home

Helpful strategies to keep nibbling to a minimum when you work only steps from a well-stocked home kitchen.

We’ve all had those days. The refrigerator seems like it’s calling out your name. No one will know if you have just one piece of pepperoni pizza or a few bites of a sprinkle-topped lemon cupcake. But you will probably regret it when you can’t zip your “comfy” jeans or a button on a favorite blouse pops at an inopportune time.

As the summer holiday season approaches, the temptation to indulge can get stronger as our houses are filled with home-baked goodies. Here are a few tips that should help you keep things under control, stay healthy and look your summer best.

Read more…

30-Minute Workout, No Gym Required

From Health magazine

Who has time to burn megacalories? You do! Perform these exercises just three times a week to drop winter weight.

Feel the burn

Who has time to burn megacalories? You do! This speedy workout from Equinox instructor Lashaun Dale, based on her popular Cardio Bootcamp & Sculpt class, will blast up to 350 calories in just under 30 minutes, and you’ll build strength while you’re at it. Do this routine just three times a week to drop winter weight. (Planning a beach vacation? Add a brisk 45-minute walk on alternate days to burn another 250 calories a day. You’ll toast more than 2,000 calories a week!)

jacks-400x400Jumping jacks

Do jumping jacks for 2 minutes.

 

 

side-lunge-400x400

Side lunge

Stand holding 5- to 8-pound dumbbells. Step right leg out to side and bend knee to 90 degrees, reaching hands down on either side of right foot. Push off right foot to return to standing with right foot directly in front of left foot, arms sweeping up with palms facing in. Repeat on left side with left foot stepping behind right as you return to center; that’s 1 rep. Do 24 reps,then switch lead legs and repeat.

 

dancing-squat-400x400

Dancing squat

Stand with right foot forward, a 5- to 8-pound weight in left hand. Squat; touch weight to floor as right hand lifts. Stand, lift left knee, touch right hand to right left in front of you. Squat then stand; touch right hand to left foot behind you; that’s 1 rep. Do 24 reps; switch sides and repeat.

 

 

line-hops-400x400

Line hops

Step or hop sideways over a stretched-out jump rope for 2 minutes.

 

 

tipsy-bridge-400x400

Tipsy bridge and lift

Lie on your back, feet hip-width apart, flexed left foot on a yoga block or telephone book, right foot on the floor. Keeping shoulders and head neutral and abs tight, lift hips so your body forms a straight line from shoulders to knees. Lower down, then lift right foot, bringing knee in toward chest. Return foot to floor; that’s 1 rep. Do 24 reps, then switch sides and repeat.

 

biceps-400x400Biceps and arm circles

Stand with legs slightly wider than hip-width, a 5- to 8-pound dumbbell in each hand, elbows bent and palms up. Keeping spine straight, squat and circle left hand up and in toward your shoulder in a circular motion (as if beckoning someone toward you); reverse to lower hand. Do 16 reps, then switch sides and repeat.

 

 

fast-feet-400x400

Fast feet

Step quickly forward and backward over a stretched-out jump rope for 2 minutes.

 

 

tricep-twist-400x400

Triceps with a twist

Lie on back with knees bent, a 5- to 8-pound dumbbell in right hand lifted so weight is over shoulder. Let knees fall left while bending right elbow until end of weight touches floor near ear. Straighten right arm while lifting hips, legs, head, and shoulders. Lower gently down. Do 24 reps, then switch sides and repeat.

roll-over-400x400

Roll over and sit up

Start lying on stomach, chest lifted, arms stretched overhead, legs straight. Roll to right onto your back, bending knees slightly and bringing arms halfway down; curl up to sitting position as arms move back overhead. Curl back down, and roll back over onto stomach. Do 16 reps, then switch directions and repeat.

 

 

cross-crawl-400x400Cross crawl

Raise your arms, then lift left knee and bring right elbow down to meet it. Repeat on opposite side; alternate for 2 minutes, moving as quickly as possible.

 

 

You’re done!

 

 

The Advantage Of Being A Female Entrepreneur

Source: huffingtonpost.com ~ Author: Carolyn Gregoire

The Advantage Of Being A Female EntrepreneurThe tech and business worlds aren’t always seen as female-friendly places — just 37 percent of entrepreneurs are women — but female business leaders may actually have a surprising advantage over their male colleagues.

According to recent data from the Gallup-Healthways Well-Being Index, entrepreneurs in the U.S. feel a greater sense of purpose than the average worker (51 percent vs. 44 percent), which contributes to greater fulfillment from their work and lives.

Among female entrepreneurs, “purpose thriving” is especially strong. Fifty-six percent of female entrepreneurs say they have a strong sense of purpose, compared to 47 percent of male entrepreneurs, 48 percent of non-entrepreneurial female workers, and 41 percent of non-entrepreneurial male workers.

Separately, the study found that female entrepreneurs are also more likely to report greater physical well-being than male entrepreneurs and male and female non-entrepreneurial workers, the study found.

The findings ring true across age, race, and socioeconomic demographics, and also account for factors like martial status, income and weekly hours worked, the researchers found.

“Demographic factors alone don’t account for entrepreneurs’ higher purpose well-being,” a Gallup press release notes. “Rather, there is something else about being an entrepreneur that relates to liking what they do each day and being motivated to achieve their goals.”

According to a recent global ranking from Gender-GEDI, the United States is the best country in the world for female entrepreneurs to prosper, followed by Australia, Sweden and Germany.

To be sure, women face a number of challenges in starting businesses — including work-life balance concerns, fear of failure, and lack of female role models in business — but they still seem to be happier than their male and non-entrepreneurial counterparts. According to the 2013 Global Entrepreneurship Monitor (GEM) U.S. Report, female entrepreneurs who become established business owners ranked their well-being more than twice as high as non-entrepreneurs and non-business owners.

4 Ways to Max Out the 40-Hour Workweek

Source: entreprenuer.com ~ Author: Craig Cincotta

4 Ways to Max Out the 40-Hour WorkweekIn today’s 24/7 world, is the 40-hour workweek still possible or is it a pipe dream?

It is absolutely possible; you just need to work smarter, not harder.

In my role as VP of Communications at Porch.com, a home-improvement network, I communicate this philosophy to my team along with the importance of adopting work-life balance principles.

So how can other businesses implement these ideologies? They need to have a plan of action.

To help people crack the code for how to create an efficient and impactful 40-hour workweek, here are four methods to set a course for successfully working smarter, not harder.

1. Ignore the visibility trap.

Over the years I have observed one consistent action that extends their workweek well beyond 40-hours: The never ending quest for visibility. The No. 1 sign you are stuck in the visibility trap is you are going to too many meetings and particularly meetings you don’t really need to go to. Why is this trap so common? I have found that many people may feel left out or left behind if they are not at every meeting with their colleagues. Ignore this trap. I know it can be hard, but if you are in meetings, chances are you are not working.

How do you ignore this? Meetings are expensive so don’t spend valuable minutes in meetings you don’t really need to be in. Do a hardcore audit of your meetings. What is being discussed in the meeting that you can’t get after the fact? Does the meeting really need to be 60 minutes or can it be 30 minutes? What are the goals of the meeting? If a meeting does not have a structured agenda, clear roles for participants and a set of desired outcomes, it is probably not going to be a great use of your time.

2. Outcomes over activities.

Throughout the day you need to ask yourself, are you producing tangible outcomes or are you just participating in activities that you think are important? If you don’t have any goals in mind for the week, you won’t know if you are on track and driving actual value to the business. When this happens you also won’t have clarity, predictability or know if the week was truly a success (and if you spent your time on the right things).

How do you do this? Set up weekly priorities and stick to them. Communicate daily with your manager to ensure you are always on the right track and your week is setup for success. Are you getting the right support and resources? Do things need to change on the priority list? Have a conversation on Monday to set the table for the week. When you get to Friday, how will you know that the week was a success? If you focus on the outcomes over activities you are halfway there.

Related: 5 Simple Tactics to Keep You Organized and on Task Every Day

3. Your ARE the Boss of You.

Only you can truly control the fate of your week. Yes, things come up that you can’t plan for, but if you are focused on working with your manager on the right outcomes, you will have the air cover you need to stay focused on the task at hand. If you allow people to pull you off on the wrong path you will lose focus. Pick your spots, leverage the help of others, and control your day in a way that keeps you in the driver’s seat.

How do you do this? At the beginning of the day take a serious look at the day ahead. What MUST get done? What needs to happen to hit your daily goals? If you feel randomized call a time-out and reassess how you will carve up your time for the rest of the day.

4. Fly above the noise.

When you need to truly get work done nothing matters more than finding a way to fly about the noise. You can easily fall behind if you are spending too much time chatting in the hallways with colleagues, taking extended lunches, getting wrapped up in conversations and other activities that pull you away from the task at hand.

How do you do this? Stay heads down. Stay off Facebook and Twitter. Don’t get wrapped up in the gossip chains. Ignore the shiny objects. If you can do that you are well on your way to maximizing out your workweek to produce great results.

Newsletter, October 4, 2014

Tropical beach scene on a sunny day in Oahu, Hawaii

Hello Friends,

There are two things we have always heard about success – TIMING of something and ACTION you must take action.

Tact and figures are absolutely needed to assess and business intelligence however the key to “tipping” the oddes in your favor is timing and action.

I BELIEVE you Make the TIME – to assess things that are introduced in your path and you
take ACTION one way or another . . . either to CANNON BALL in or GET OUT!

This has always taken my life forward and yes lots of things that I said no to – maybe would have been right – YET I did not BELIEVE it would so the action to walk away was the right decision.

ACTION is really effective in getting you to make that decision work or simply make a new decision. What happens to often is that lack of action – no belief and thereby you remain static or stagnant

This months news letler is intended to provide you business intellect – your SUCCESS relies on YOU and your timing and action. I wish for you so much continued success and appreciate you allowing me in to your life!

Debunking Entrepreneurial Myths: I Should Wait for the Economy to Improve

The recession officially ended in June of 2009, at least according to the National Bureau of Economic Research. But as entrepreneurs and business owners, we know that the economy sure doesn’t feel like its roaring on all cylinders. There aren’t many businesses that have been shielded from the economic downturn and it can create a lot of anxiety for would-be entrepreneurs.

Something I’ve been hearing a lot from entrepreneurs and business owners is that they want to wait for the economy to pick up before they start a new business. This is an understandable concern but I want to assure you that it’s a myth. When economies turn downward, it actually opens up opportunities. Sometimes recessions claim businesses because they are bloated or have lost focus on their core competencies. This means that a lean and aggressive startup can often fare better when times are hard. The disruption that occurs during the downturn and ensuing rebound often favor startups as well because they can be more nimble.

Read more…

Video; 2014 Job Market Forecasted

Published on Jan 9, 2014 by cbsnews.com

As we head into 2014, the economy may be in recovery, but that hasn’t made finding a job any easier for millions of unemployed Americans. Barry James, president of James Investment Research, weighs in on the current state of the job market.

Americans are spending again…

Get your engines ready: Americans are spending again, and that’s a good sign for the economy.

Purchases of durable goods such as furniture and cell phones increased almost 2% in August over the prior month. That’s a healthy uptick after mere gains of 0.1% in July, according to data released today by the Bureau of Economic Analysis, a branch of the Commerce Department.

So what drove the “August rush” in spending? The biggest factor was auto sales — everything from cars to parts — which accounted for half the gains.

People typically don’t make large purchases like cars unless they feel confident in the economy and their personal finances.

Read more…

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Obamacare, Improving Economy Fuel Faster U.S. Health Spending

Health spending, which slowed last year to growth of  3.6 percent, will roar to 6 percent growth annually for the next decade thanks to the ability of more Americans to buy medical services from an improving economy and the Affordable Care Act.

A new report from actuaries of the Centers for Medicare and Medicaid Services says the population of aging baby boomers will continue to drive future increases in health spending, but additional factors such as “faster economic growth” that triggers more spending on elective procedure will also come into play.

Read more…

Warren Buffett Tells You How to Turn $40 Into $10 Million

Warren Buffett is perhaps the greatest investor of all time, and he has a simple solution that could help an individual turn $40 into $10 million.

A few years ago, Berkshire Hathaway CEO and Chairman Warren Buffett spoke about one of his favorite companies, Coca-Cola, and how after dividends, stock splits, and patient reinvestment, someone who bought just $40 worth of the company’s stock when it went public in 1919 would now have more than $5 million.

Yet in April 2012, when the board of directors proposed a stock split of the beloved soft-drink manufacturer, that figure was updated and the company noted that original $40 would now be worth $9.8 million. A little back-of-the-envelope math of the total return of Coke since May 2012 would mean that $9.8 million is now worth about $10.8 million.

The power of patience

I know that $40 in 1919 is very different from $40 today. However, even after factoring for inflation, it turns out to be $540 in today’s money. Put differently, would you rather have an Xbox One, or almost $11 million?

Read more…

 

 

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