Baby Boomers – Rags To Riches To Rags

Posted by admin on Wednesday Apr 16, 2014 Under Others

The baby boomer generation is finding challenges that they never thought they would and are going from rags to riches to rags again.

Retirement account over half full last quarter – Great! Retirement account lost 50% of its value this quarter – Great now what do we do!

Whew! How did I get there… let me bring you up to speed. The boomer generation is becoming one of the fastest growing segments of our population which will put a tremendous strain on Social Security and any retirement system. At the height of retirement there will be fewer workers contributing to those programs then the baby boomers drawing from it.

Faced with the sobering facts that Social Security and other retirement systems might fail baby boomers have begun to investigate other alternative income opportunities. The first, most obvious, place would center around the equity in their home. For years baby boomers have heard that they could rely on the continued growth in appreciation of their primary home. So when retirement came they could either sell that home and purchase a retirement home or they could simply pull the equity out of their primary home with a mortgage loan using programs like reverse mortgages. Since 1968 real estate has appreciated each year continually approximately 6.7% per year until this past year.

Now the table has not only turned but has tipped over on its side. In the past year many baby boomers have lost a considerable amount of value in their home. Some who purchased within the last 4-6 years could owe more money to the mortgage lender then their home is currently worth. This is commonly referred to as an upside down position and that is not a very good position to be in. Instead of being able to count on the normal yearly appreciation people are finding that if they sold today… and that is a big if, they would need to pay additional money from their own funds to remove the mortgage from their property. Of course, that also depends on someone wanting to buy the home today. Home buyers are increasingly more skittish and skeptical about where the current real estate market is heading. Their main concern is falling into that upside down position themselves in a year or so. This hesitation is creating a over abundance of homes to be sold, which in turn further deteriorates the housing market. So in short… homes no longer provide a means for receiving income as anticipated.

Okay you say, baby boomers still have their stock investments and 401k accounts. Maybe not… one of the biggest fears baby boomers have today is not having enough money in their retirement fund and the possibility of out living the fund. The latest crises haunting baby boomers has come from the stock investment arena. The financial markets are in tremendous turmoil and showing signs of continued sell offs almost daily. The news channels constantly report sharp drops in stocks which make up a good portion of baby boomers 401k accounts. Baby boomers had been counting on the stock markets providing extra income in addition to selling their home. Lately investing in the market has required a strong stomach and lots of time to ride out the down turns in the markets. The problem now is that most baby boomers no longer have the years available to ride out the current down turns.

So what advice is being given to the baby boomer watching his equity disappear in his home and his stocks reach new lows each week? Many analysts suggest increasing your savings that you contribute each month. For some reason it kind of sounds like throwing the baby out with the bath water… why increase savings when the markets continue to slide lower and lower? Keep in mind that baby boomers are also facing the constant increases in both food and fuel costs. That constant rise in pricing has erased what normally could have been the extra to contribute to their savings. Their retirement account and equity in their home begins to look very empty.

Isn’t there some other way?

Other than continuing to work baby boomers have begun to explore the internet for income producing ideas. Today’s internet offers a ga-zillion different get rich quick programs. Just wading through all the long explanations, pictures of piles of money and all the hype to get you to buy their program can become a huge challenge to the ever frustrated baby boomer. Not knowing where to turn for advice many baby boomers try several “rags to riches” programs only to find that after they put their money on the line all the support vanishes as the hype seller concentrates on the next target. Don’t let this happen to you!

Before you plunk down 1 cent of your money – check out the organization or team behind the claims. Attend several training sessions before deciding whether their program is a good fit for you. You will be surprised just how many programs have “0″ training and push the subject away by saying how simple their program is that you will not need training. The internet is full of crushed hopes, holes where money used to be piled and the feeling of being left out in the cold. Baby boomers will again feel frustrated and lost. Don’t let that happen to you… search until you find the right team to be a member of. Make sure they provide training, income producing ideas that don’t all cost to keep up with the team, or any of that nonsense.

To find out more about how to make additional money working online sign up for our FREE newsletter at

Tags : | add comments

A Comprehensive Guide To Buying Baby Clothing For First Time Moms

Posted by admin on Wednesday Apr 16, 2014 Under Others

Where do you start?

Buying baby clothing can be tricky business, especially for first time mums, there are so many baby dresses and outfits to choose from! I know I had a difficult time and made some blunders with my purchases along the way. Take advice from the guide below there are plenty of tips from mums on ‘how to buy baby clothing’ successfully.

1) What kind of baby clothing will I need?

Buying baby clothing can be a boggling experience, as your bump grows you will probably start to panic – ‘I don’t have any baby clothes!’ You will probably do what I did and start wandering around all the stores that sell baby clothes, baby furniture, baby gifts and so on. The choice is endless, this is where the danger lies in buying too many clothes for baby.

Too many baby clothes means your baby will only wear them once or twice (or sometimes not at all), babies grow very quickly and the next size up in that special outfit is needed before you know it! Leaving you with the cutest outfits ever, but no VALUE FOR MONEY.

The ideal way to buy baby clothing is to make sure you have enough outfits to get you through the week in a couple of different sizes, but not so many that you have overflowing drawers of baby outfits that haven’t even been unwrapped before your baby gets too big to wear them; or duplicate clothing that you didn’t really need.

Well, to be fair, duplicate baby clothing isn’t that big of any issue really, especially in the early days when baby clothes can only be worn once and usually for a couple of hours and all clothing needs to be continually washed and washed! In the early days make sure you have numerous baby dresses, bodysuits, comfortable playgro suits, and sleeping suits, basic tees, comfortable cotton pants, warm cardigans and coats or sunhats, depending on the season.

Before you buy new baby clothes check what time of the year your baby will be born, it could be around sale time, which is the best time to buy bulk lots of newborn baby clothing that you are going to need.

Once all of the confusion has settled you will have an exciting time buying your first newborn baby clothes, it is much more fun than buying clothes for yourself (honestly) – and then in time you will be having more fun when your baby grows out of that first lot of clothes, you will find yourself a more experienced shopper in the baby clothing department.


Sizes of baby clothing vary from manufacturer to manufacturer so we haven’t listed a definitive sizing guide here. Newborn sizes generally start from 0000 but this is actually quite a small size and unless you have a smaller than average baby, you might only get a month or two from this size. The best advice is to pre-buy in size 000 and then buy extra supplies in the 0000 size if you need to after the birth. Check labels for weight and height guidelines before you buy (average birth weight is 3.5kg). baby clothing tips

Look for:

Wide necks, or easy fastenings to get clothes over baby’s neck easily.
Fastenings to enable you to remove and change a nappy without completely undressing baby.
Snaps / press-studs are easy, safer and quicker than buttons.
No rough seams or uncomfortable material – natural, cotton, etc, is best.
Machine washable.
Check that buttons are sewn on well (baby could choke on little buttons).
No loose threads that little fingers or toes could get caught in.
Avoid ribbons and strings that babies can wrap around their necks.

Hopefully this comprehensive guide to baby your babies first clothes has been helpful to you! Remember, dont rush in a buy too many clothes before your baby is born, you can always buy more of the garments you need after the arrival of your newborn.

Tags : | add comments

Baby Shopping for New Parents

Posted by admin on Tuesday Apr 15, 2014 Under Others

How did you feel when you found out you were expecting a baby? Excited? Worried? Scared? A mixture of all three is perhaps how best to describe the emotions which are flitting through your head at this busy time. If you’re a first time Mum or Dad-to-be, you’re probably finding that there are simply hundreds of things to do.

Perhaps you want to redecorate before the little one arrives. Perhaps you’re planning on going abroad for one last holiday together as a couple. When I found out I was pregnant, my partner and I booked a two week holiday to the south of Spain. It didn’t cost a fortune and certainly wasn’t all-singing and all-dancing, but we had a great time savouring special time alone together and relived our romance, whilst also getting more and more excited about the baby.

My main advice as a parent would be to try and relax as much as possible whilst you are preparing for the birth of your first baby. If you start to stress out, you’re not going to enjoy the pregnancy and the anxiety is certainly not good for the baby. Take things one step at a time and try to address the big issues first. You may find that smaller things actually sort themselves out. Remember also to ask your friends and family to help, that is what they are there for after all!

When you and your partner find out you’re pregnant, the shopping bills can soon rack up. Cots, clothes, car seats, not to mention decorating the nursery, can all start to take their toll on your bank account. Shops are crafty in that they will try to trick you into buying things you don’t really need. Try not to be fooled into thinking you need to buy all the items which are on offer at any one time.

This list is compiled on the advice of parents who have gone through the experiences themselves. Some of the things on the list are bits you simply can’t do without, whilst others are additional extras. Why not use this list and cross reference it with your other lists? You don’t, after all, need to buy everything at once, so spread the cost by buying a few items at a time. That way you can think carefully about your purchases.

If you are further on in your pregnancy, a slight change of tact may be required. It is probably best that you gather the essentials as soon as you can, as baby could arrive at any time. Trust me, you do not want to be internet shopping at 3am with a squalling newborn! Whilst you’re at it, don’t forget to ensure you have packed your hospital bag with everything you’re going to need for your stay. Clothes -2 x socks -7 x vests -1 x hat -2 x jumpers -7 x stretch suits -1 x bootees – Nappies

Sleeping Items

-Carrycot -Cot -Mattress -Sheets -Room thermometer -Night light -Monitor -Sleep suits NOT blankets as these can cause suffocation to children under one


-Car seat (if you drive) -Baby bag to chuck all your stuff in -Pram which will allow baby to lie flat or at least 130 degrees from horizontal -Changing mat -Towels -Baby bath -Toys -Wipes -Nappy bags -Bottle feeding or breast feeding paraphernalia as advised by your doctor

Hopefully this list is a good starting point for you to embark on a baby shop. Use the internet to compare prices and remember that buying in bulk is always helpful. Good luck!

Tags : | add comments

A Slightly Sweet ‘N Crunchy Baby Carrots Recipe

Posted by admin on Tuesday Apr 15, 2014 Under Others

Here’s a slightly sweet, easy baby carrots recipe that will serve 4 to 6 as a side dish.

Like a lot of people, I really enjoy eating baby carrots. I enjoy them raw for a quick snack or to go with a sandwich at lunchtime. Whenever I happen to be am rounding up ingredients for chicken dumpling, turkey noodle, beef and noodle, or vegetable soup, I merely put them in the cooking pot without chopping them up. Their tiny size makes sure that I don’t have to work over slicing them up for soups but still they can be thick enough for being simmered for a long time in the pot without shredding. Down below is a recipe for baby carrots as the side dish.


1 lb . or 16 oz . of peeled, raw baby carrots (if you work with homegrown carrots from the garden, you will need eight or ten carrots in this recipe)

3 tbsps white sugar

1 tbsp . unsalted butter

Pinch of salt

Water to cover

Put the carrots, sugar, butter and salt inside a medium size pot and put water until it merely barely covers the tops of carrots. Bring water to a boil and then reduce heat to medium. Let the water to evaporate as your carrots boil and be careful to pour in a bit of water when necessary to help keep the carrots from getting stuck to the pot. Once in a while stir the carrots to guarantee thorough cooking. Carry on and cook the carrots at a gentle boil for eight to ten min or until all the baby carrots soft when stuck with a fork. Drain all of the water and serve either cold or hot.

It is possible to adjust this baby carrots recipe to your own preferences by using less sugar or salt. Should you prefer a sweeter carrot recipe, add another tablespoon of white sugar. Be sure to adjust the sugar to water proportions to make certain there is more than enough water to dissolve the additional sugar.

If excessive sugar is added to the carrots and the water inside the boiling pot isn’t increased, then the carrots could risk becoming sticky sweet and there is a risk for the sugar to burn in the pan. Savor every bite of this baby carrots recipe!

Salivating for more Southern cooking and recipes? Then try this butter beans recipe to compliment the baby carrots.

Tags : | add comments

There’s lots of Lululemon Canada fitness center bags obtainable to fit anyone’s style demands and requires, for both male and female alike. There’s definitively a style that you’ll come across to suit your requirements. It really is remarkable how many numerous types which might be available.

This may very well be the ideal multipurpose carryall of its form. It’s pretty versatile and functional to say the least. You may use it as a purse, a carry on if traveling on a plane or other travel means, and needless to say as a workout bag. It may hold your yoga mat and all the workout clothes and towels you need. And there is even a separate water bottle compartment, to keep your other items from getting damp.

It has a great number of pockets that aids to help keep your factors organized secure and maintained. Guys adore it because it appears amazing, not feminine and keeps every thing that they have to have in it when traveling back and forth for home business. Some have compartments which are made of a soft material to defend cell phones and other devices, that preserve them from becoming scratched. It makes a good individual bag at the same time, keeping your paper, books and so forth all protected and confined from others.

Girls enjoy them due to the fact not simply are they created from high-quality that you just can see and really feel, but which can be trusted to put on nicely. They come in lots of unique styles and colors. They could be as feminine as you need, to not at all if you’re alot more of a sports type of girl. Some are fashionably fairly when other folks are far more sporty.

The quality of these are unbeatable, trustworthy and trusted. They are particularly tough and some even include a coating so that it is waterproof. If caught off guard in a down pour, no should worry, the items you place inside won’t be harmed by the rain, the water can not get inside, as well as the outdoors will not endure any water harm.

There can be a vast selection available with lots of uses. These bags will quickly take you in the office to the mall for the fitness center. You’ll be able to identify some that your laptop will match into it perfectly. Nobody would even guess you were carrying a laptop with you, which might be a safety measure at occasions and in specific areas where you may should be.

The value of this well known brand name item is quite affordable due to the exceptional top quality you might be finding out of it. It is pure high quality, not cheaply made like a good deal of other brands around. If you’re searching for something that will last by means of just about any factor you place it by way of, then this really is what you wish.

You are likely to come across something from totes to duffel, athletic to hobo types and from fanny pack to back packs and everything in in between that you simply can believe of. Lululemon gym bags and Lululemon Groove Short Tall have a great number of designs available which you will without a doubt locate exactly what you would like. From masculine to feminine, from sporty to elegant. They make a splendid gift for any individual on your shopping list.

Tags : | add comments