Tag Archives: babyboomer

What to Do About Choppy #StockMarkets! #retired #retirement #over50 #50plus

What to Do About Choppy Stock Markets thefiftyplusnetwork aging babyboomer babyboomers midlife midlifer over50 50plus retired retiree retirementplan

If you are retired, or within a few years of retiring, the recent volatility in the stock market must be unnerving … Retirees depend on their savings and investments to fund their lifestyle. Any risk to their nest egg raises red flags! For years and years you work to save for retirement, and one stock market crash can cut in it half! What to do?

  1. Don’t panic and sell into the crash. Remember — a loss is not a loss until you sell.
  2. Think long-term. It may take years to recover from a stock market crash, but as Mitt Romney said, “the market always comes back.”
  3. Calculate your annual living expenses and make sure you always have 2 – 3 years of living expenses saved in an FDIC-insured account.

We are old enough to remember the stock market crash of 1987. We were just starting out in our careers. On Monday, October 19, 1987, my husband called me around 4pm in the afternoon. He whispered to me, “the stock market lost over 500 points on the Dow.” The Dow Jones Industrial Average was only 2,246 points prior to the crash, so a loss of 500 points was a significant loss! At that time, we had a retirement account invested in Legg Mason Value Trust, a mutual fund. The mutual fund lost a third of it’s net asset value on that day. We panicked and sold the mutual fund the next day. We learned a valuable lesson: Stick it out because eventually the market will recover. To learn more about mutual fund investing, click Bogle On Mutual Funds: New Perspectives For The Intelligent Investor (Wiley Investment Classics).

If you are over 50 and have discovered a retirement planning tip, please share your tip by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

Do You Take Your Daily #Vitamins? #health #healthy #healthtip #healthtips

Nutrilite Heart Health Supplement thefiftyplusnetwork health healthy natural blood pressure healthyliving healthylifestyle

When I was working, I took my daily vitamins every morning before going out the door. When my schedule changed, it disrupted my routine. I started forgetting to take my vitamins, and if I did take them, I couldn’t remember that I took them! When I had my recent annual physical, my neglect showed up in my blood test results: low vitamin D, low vitamin B, low iron … An alarm went off inside my head! Now that I have an iPhone, I setup alerts using the Reminder tool. Next, I checked my Nutrilite Daily Multivitamin to make sure it had 100% of the vitamins and minerals I need.

I have heard doctors say that there is no evidence that vitmains help, but I have all of the evidence I need. My doctor wants to see me again in 6 weeks, so I must be vigilant about taking my vitamins every single day! Have you taken your vitamins today?

Join us at The Fifty Plus Network as we get healthy:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

Diamond Jubilee Gala! #givingback #charity #activeretirement

Diamond Jubilee Celebration! active retirement thefiftyplusnetwork charity event

“Giving back” feels good. Helping those who are less fortunate is a noble thing to do. If you can have some fun while raising funds, that’s a bonus! The Diamond Jubilee Gala brought together local politicians, business owners, and citizens to eat, socialize, dance, and honor high school students who are striving to succeed. Most of all, we enjoyed the dancing because it gives us an opportunity to exercise and have fun! It also reminds us of our first few dates, when we danced the night away! Take a look at the new line dance called the Wobble. These are over 50 folks who can stay in step with each other and the music by the Blue Notes Jazz Band!

The ballroom decorations were absolutely stunning!

An enormous crystal chandelier dominated the ballroom!

What a perfect opportunity to give back and have fun at the same time! What opportunities have you found to give back to your community and have fun? Please share your charitable giving experiences by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

#Retirement is #Walking Around the #Lake on #Weekdays! #retireyourway

Retirement gives you the freedom to schedule activities during non-peak times. For example, the lake is very popular on the weekends. The narrow walkway is filled with joggers, bicyclists, strollers, dogs, children, and their parents. However, on the weekdays, the walkway is wide open! You can walk with your arms extended and open to the awesome nature surrounding you! After working for decades, your body clock is so tuned to postpone activities until the weekends. Once you retire, it seems like a revelation when you can schedule recreation on the weekdays. You feel like you’re playing hookie! Years ago, I read the book Men Are from Mars, Women Are from Venus: The Classic Guide to Understanding the Opposite Sex,which said that connecting with nature is an excellent way to reduce stress. Paraphrasing John Gray, “nature absorbs your stress.” One of the most special retirement moments is the moment when you realize you can schedule fun activities on weekdays!

While driving around Newport News, Virginia, we discovered City Center at Oyster Point! It was Memorial Day weekend and the Navy band was performing near a gorgeous lake! We took a nice, relaxing walk around the lake a enjoyed the free concert!

What are the big and small ways retirement has changed your life? Share your experiences by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

#Retirement is Taking Leisurely #Walk After Dr’s Appt! #retired #retireyourway

Take Leisurely Walk thefiftyplusnetwork health healthy walk leisurely walk take a walk retire retired retirement retireyourway retiree retirees

American employers typically provide 2 weeks of vacation and 1 week of sick leave in benefits packages. If you have a doctor’s appointment, you need to use leave to go, which means at least a few hours away from the job. I usually made my doctor’s appointments in the morning, so that I could work about 5 hours in the afternoon. Rush hour traffic, waiting for the doctor to see me, ate into my leave, which caused a little stress/tension. The old saying “time is money” was always present. As soon as my appointment was over, I would rush to my car, and head to work. If I had to drive downtown for my appointment, it made for an extra long day. Now, when I have a doctor’s appointment, I can actually enjoy the surrounding area! For instance, I just had a mammogram in a suburban office park. For the first time in my life, I left the appointment and took a leisurely walk around the block. It’s early Autumn so the flowers are still blooming. Office parks usually have very nice landscaping, so I admired all of the lovely combinations of evergreens, coleus and flowers!

During the past few years, doctor’s appointments have made me a little anxious. Not that I am over 50, I must be afraid of what I am going to learn! Taking a leisurely walk after the appointment helps calm my body … The bright yellow Chrysanthemums bring a smile to my face!

Walking is fantastic exercise, and it’s free! It’s good for our cardiovascular system, and builds muscles in our lower bodies. Our primary focus at The Fifty Plus Network is health and wellness. Follow our Healthy Lifestyle board on Pinterest below.

What are the big and small ways retirement has changed your life? Share your experiences by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

When you are finally able to enjoy your #home & #garden all day long …

When you are finally able to enjoy your garden all day long ... flower flowers impatiens garden gardens gardening gardening is healthy

Think about it … for more than 30 years, you work hard and save to purchase your home. Just about every day, you have to get up and go somewhere, like work or school or both! You never truly have the time to lounge around and enjoy your home … until you retire. When you retire, you have all day long to enjoy your interior decorating, or change it. When you retire, you have all day long to enjoy the art on the walls, or change it! When you retire, you have all day long to enjoy your newly remodeled kitchen or bathroom. When your retire, you have all day long to downsize and declutter. When you retire, you have all day long to walk outside and check on your garden to see what’s blooming, and what needs help. When you retire, you have all day long to look up at the sky, and watch the clouds float by. When your retire, you have all day long to take a walk around the lake on a weekday.

When you retire, you have all day long to pursue hobbies that bring joy to your life. You can spend all day long perfecting your craft.

When you are retired, you don’t have to request permission to take vacation days. You just get up, pack, and go! When you are retired and go on vacation, you don’t have to worry about the work piling up while you are away. When you are retired, you don’t have to call in to your boss when you aren’t feeling well enough to work.

If you are over 50 and know what it’s like to enjoy your home and garden all day long, please share your experiences by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

#Retirement Planner Recommends 2-3 Yrs of Living Expenses for #Retirees!

Retirement Planning Seminar how to retire when to retire how to save for retirement retirement plan retirement planning retirement planner retirement finances

We got up at 5:30 am on Saturday morning to attend a retirement planning seminar. The most important advice imparted by the speaker was the following: Retirees should have 2 – 3 years worth of living expenses stashed away for emergencies! Why? The reason is that it takes 3 years (on average) to recover from a bear market. What is a bear market? Think back to the Autumn of 2008, when the stock market dropped 50% over a 6 month period of time from September 29, 2008 to March 5, 2009. That was the beginning of the bear market. The speaker said that it usually takes about 3 years for the economy to recover from a bear market. Therefore, it is crucial to retirees’ survival to have 2 – 3 years of living expenses to pay bills, and stay afloat. If a retiree has to spend down their retirement accounts to pay bills, they may have to sell stocks or mutual funds at depressed prices. In farmer parlance, that is called “eating your seed corn.”

Where To Stash Emergency Fund?

When saving for the emergency fund, the speaker advised safe bank accounts insured by the FDIC. Brick and mortar banks pay less interest than online banks, but pre-retirees and retirees are most likely more comfortable with brick and mortar banks. It is reassuring to know we can reach our brick and mortar bank in a few minutes, and access our funds. To learn more about bull and bear stock markets, click Stock Market 101: From Bull and Bear Markets to Dividends, Shares, and Margins―Your Essential Guide to the Stock Market (Adams 101).

If you are over 50 and have discovered a retirement planning tip, please share your tip by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

3 Reasons to Visit #Historic Places in Your #Hometown! #over50 #travel

Historic Maryland State House over50 travel traveler traveling 50plus aging babyboomer babyboomers midlife womenover50

Do you like to travel? Most of us do! Have you ever thought about visiting historic places in your own hometown? Why would you do so? We have 3 reasons:

  1. Educational and Cultural Experience
  2. Inexpensive
  3. Time-Efficient

Educational and Cultural Experience

All cities and towns have historic sights … you just have to look for them. Start with the Wiki page for your city or hometown. It will provide the history for your area, and it will identify interesting historic sights to visit. It is an opportunity to learn something new and grow new brain cells!

For instance, the Wiki page for the Church of the Ascension and Saint Agnes indicates that the church was built in 1874. Imagine what the country was like in 1874, 9 years after the end of the Civil War. It gives you a perspective on life and where you are today!

Inexpensive

If you are visiting historic sights in your own city or hometown, transportation costs are minimal because you are driving or using local transportation. You may have to buy a ticket to tour the historic sight. If you are a senior citizen, ask for a senior discount!

The cobblestone streets and historic buildings near the historic statehouse provides a quaint and peaceful environment to explore … perfect for over 50 travelers.

Time-Efficient

If you are visiting historic sights in your own city or hometown, it should take less than 1 hour to arrive. Become a tourist in your own city or hometown!

If you are over 50, and you have visited historic places in your hometown, please share your experience by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

9 #Spices & #Herbs Improve #Health! #healthylifestyle #healthyliving

Navy Beans w/ Tumeric Seasoning! thefiftyplusnetwork.com healthyeating healthyeats healthylifestyle

We are always looking for natural health solutions. Why? 3 important reasons:

  1. Prescription and over-the-counter drugs have side effects
  2. Prescription and over-the-counter drugs can be very expensive
  3. Prescription and over-the-counter drugs can be ineffective

Several years ago, my doctor prescribed Zetia since I had high cholesterol. The pills were very small and fairly inexpensive, but I was hesitant to take prescription drugs. I took a few of the Zetia, but decided I would rather change my diet to reduce my cholesterol. It took many years to change my diet, lose weight, and reduce my cholesterol, but I accomplished my goal! In the meantime, studies discovered that Zetia was ineffective. It did not reduce cholesterol at all. If I had continued to take Zetia, I would have spent lots of money over the years, and my liver would have had to process Zetia for no reason at all. For details on Zetia, click here. One of the most effective spices is Tumeric. We use it to add flavor and health benefits to our Navy Bean recipe. For 10 proven health benefits of Tumeric, click here. For 9 spices and herbs that improve your health, click here. For more on healing spices click Healing Spices: How to Use 50 Everyday and Exotic Spices to Boost Health and Beat Disease.

If you are over 50, and have a natural health tip to share, please share your tip by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram

8 Daily Habits of Ecstatic Couples! #relationships #marriage

Photo Courtesy: www.entrepreneur.com

Are you aware of what happens to your body when you go to bed angry? I know because I’ve done it before and I vowed I would never do it again … Your blood pressure stays elevated all night long, and your whole body is tense. It’s not good for your health and it’s not good for your relationship. Not going to bed angry is just one of the 8 daily habits of wildly happy couples. To learn the other 7 habits, click here. K-Y Yours and Mine Couples Lubricant, 3 Ounce

If you are over 50, and have a positive “relationship” habit you’d like to share, please share your tip by joining us at The Fifty Plus Network:

  1. Like us on Facebook
  2. Follow us on Twitter
  3. Follow us on Google+
  4. Subscribe to our YouTube channel
  5. Pin us on Pinterest
  6. Follow us on Instagram


Instagram