Tips for Your Boomer Years

Who is John Galt? Get Your T Shirt & Bumper Sticker Today

Who is John Galt? This is the opening line of Ayn Rand’s novel Atlas Shrugged and throughout the book, this question is asked and that question is being asked again today when we could use a  John Galt. I read Atlas Shrugged many years ago and over those years, it has popped into my head hundreds of times. What’s funny is that I’ve begun seeing “Who is John Galt?” bumper stickers and t shirts popping up too.

Written in 1957, Atlas Shrugged asks the question “What if all the creative minds went on strike?” As socialism and socialistic ideas destroyed people and society, it stole people’s will to take care of themselves and turned them into users, always demanding more from those providing it. The individual capitalist, the businessman is used to support the rotten system but reviled and hated at the same time.  John Galt steps in and persuades the thinkers, the businessmen and the doers to just leave and let the system fall so they can step back in and rebuild it.

Ayn Rand grew up in Russia during the Revolution and saw the rise of Communism there. Her books, like Atlas Shrugged, the Fountainhead and We the Living, all grew out of her experiences and her belief in Capitolism. If you haven’t read Atlas Shrugged, I’d highly recommend it. See if you can find parallels to our life today.

The first time I saw a “Who is John Galt” bumper sticker, I couldn’t help thinking how relevant that question is today. My next thought was “I want a John Galt bumper sticker AND a John Galt t shirt.” Strangely enough, a good friend of mine sent me a link to the John Galt Gift Store.

This website offers John Galt t shirts, John Galt bumper stickers and anything John Galt, as well as memorabilia for other Ayn Rand books such as the Fountainhead and We the Living. You can get a Reardon Steel t shirt or a Howard Roark t shirt.

Reading all the quotes on the t shirts and bumper stickers, brought back memories of what I liked about Ayn Rand’s books. My daughter is an architect so she’s getting a Howard Roark t shirt that says, “The question is not who is going to let me, but who is going to stop me.”

If you remember John Galt, check out the John Galt Gift Store.

Where to Find Great Senior Travel Discounts
Among baby boomers and seniors, travel is often a number one priority in retirement. Finding travel senior discounts can a great way to save money and, lets face it, saving money is fun too! Here are some great senior travel discounts to help you save money:

Senior Travel Tips and Discounts

Senior Discounts on Transportation

When you begin planning your trip, how to get there is the first thing on the list. These places offer senior discounts:

Greyhound Senior Discounts - Traveling by Greyhound bus allows you to really see the countryside and leave the driving to someone else - Plus it saves money over flying. Greyhound offers discounts for seniors of 5% on fares for those age 62 and older.

Amtrak offers a 15% discount for those age 62 and older. For those age 60 and older, Amtrak offers a 10% discount.

Hotels offering Senior Travel Discounts

Best Western offers a 10% discount for those over age 55, plus extras like early or late check-in, free room upgrades or complimentary continental breakfast.

Choice Hotels offers a 10% discount to seniors over age 50 and a 20-30% discount for those over age 60 with advance reservations.

Hyatt Hotels offer up to a 50% discount for seniors over age 62.

Marriot Hotels offer a 15% discount for over age 62, available for hotels worldwide.

Other Travel deals for Seniors

National Parks Senior Pass This pass is for seniors over age 62 and costs $10, which gives free or reduced rates at National Parks. The pass is valid for the lifetime of the cardholder so it’s well worth the $10!

Check out special seniors only tours like this Younger Next Year Boomer Ski Retreat or these Spring Training Travel Packages for Seniors. Besides the advantage of traveling with other seniors, great travel rates are built into these all-inclusive packages.

Travel specialists like VacationsToGo offer senior travel discounts on cruises and tours.

Check out Exploritas, formerly Elderhostel, which offers not-for-profit travel for learning and adventure for those over age 50. Over 8,000 different tours available in all 50 states and 90 different countries.

As always, if you are retired military, a member of AAA or other groups, be sure to check those discounts too when you travel. Sometimes the way to get a great deal is to ASK for it! One way to keep up with new discounts is to sign up for newsletters offered by sites like these:

AAA offers a newletter on discounts available

AARP members get discounts on travel items like airport parking, rental cars, at hotels and more.

Orbitz and others. Besides a newsletter, Orbitz offers many travel discount coupons to use when planning a trip through their website.

Be aware that sometimes the best senior travel discounts are available only on the website and sometimes, it’s best to call the hotel or place you’d like the discount to see what’s available. If you don’t see the discount on their site, call and ask.

If you’re traveling outside the continental US, make sure the senior discounts still apply. Also ask about possible restrictions. Sometimes better deals are available if staying during the weekdays as opposed to weekends, for instance.

This is just the tip of the iceburg in senior travel discounts. As I find more great discount sites, I will post them so keep checking back.

balance exercises

Exercises for Balance - Do These Every Day for Healthy Aging

No matter what your age, balance exercises are some of the easiest and most important exercises you can do on a daily basis. As we age, our brain “forgets” how to balance, leaving us susceptible it falls and broken hips in our senior years. It’s easy to prevent these falls by doing balance exercises daily.

Balance exercises strengthen core muscles, which in turn, hold you upright and protect you from back pain.

The easiest and least expensive balance program is simply to stand on one foot for as long as you can and then switch feet. If you have trouble at first, lightly place one hand on the counter to steady you. As time goes by, you won’t need the steadying hand anymore.

Do this balance exercise while you brush your teeth each day. Once you get really expert at this exercise, do it with your eyes closed.

Think of all your daily tasks that would allow you to do balance exercises at the same time - washing dishes, cooking, talking on the telephone.

Here are some free yoga standing poses from Yoga Journal. Any of these, done daily, will greatly improve balance.

From personal experience, I can say that yoga improves balance tremendously. Many poses involve balance and yoga strengthens core muscles. Here’s a helpful yoga DVD to get you started or find a class at your local YMCA or rec center.

The New Yoga for Healthy Aging is also a good book to get you started on using yoga for balance exercises.

Tai Chi is another great exercise for improving balance. If you don’t have a class near you, try Tai-chi Exercises for Seniors, a DVD which shows you how to practice tai chi at home.

Many people like the bosu ball for balance exercises. When I went to my chiropractor for a therapy session, however, the therapist did not recommend using the bosu ball at home as it’s been connected with many falls and injuries. If you want to try this form of balance exercise, find a certified instructor to teach you how to do it safely.

Here is a slide show of simple balance exercises from the Mayo Clinic.

Other helpful tools for balance exercises.

DVD on Senior/Elderly Balance Exercises Using a Chair

Total Body Balance Ball Kit from Gaiam.com

Raising Chickens in the City - Have Your Own Backyard Flock

For those of us who were raised on farm fresh eggs, the newest health trend of raising chickens in the city

Learn to raise chickens in the city.

may seem funny at first, but then it makes sense. Why not raise chickens in your backyard and have all the farm fresh eggs you can eat?

My grandfather was a chicken farmer during the depression and I grew up on my dad’s stories of living on an Iowa farm in the 1930’s. One time a flash flood came through and killed nearly every chicken. My dad said, “At the time, I never realized how devastating that must have been.” Chicken farming had it’s ups and downs, that’s for sure.

I guess raising chickens is in my blood because I’ve always loved them. When we lived on three acres in Oregon, one of my first farming efforts was to built a small coop with a sturdy fence and get a dozen chicks to raise. By the time we left there 6 years later, I had two dozen hens.

Raising chickens in your own backyard makes sense, even if you live in the city. Eggs from free ranging chickens provide higher levels of omega 3 fatty acids than conventional eggs raised on commercial chicken farms. You can also feed your backyard flock flax seed meal to increase the omega 3’s even more.

Chickens in the city need very little to be happy. Each chicken lays about one egg per day in the spring and summer. My chickens were very consistent layers, even in winter. We always had enough eggs to supply our family, plus my extended family. I also supplied other people in the community. When I got my hair cut, I “tipped” my hair stylist with two dozen eggs and she loved it!

To raise chickens you need a small coop to shut them up at night and provide them a clean, dry place to lay their eggs. Chickens are smart. Every evening at dusk, they “go to bed” and you just need to shut the door to lock out predators. Even the city has raccoons or other animals that might love to have a chicken dinner.

In your litle back yard coop, you need a couple straw filled boxes for the chickens to lay eggs and a small roost of some kind for them to sleep on. I made my own with wood and dowels going across for them to get their claws around.

You’ll probably also need a fenced area for your backyard chickens. It’s nice to think of them running free, but chickens are very hard on landscaping! They dig and scratch for bugs until your entire yard is torn up.

You can also feed your chickens veggie scraps instead of throwing them in the trash. On cold days, I even made hot oatmeal for my chickens (yes, they were spoiled). On hot days, I ran the hose for them too so they could play in the water and cool off.

You probably won’t save money raising chickens in the city. Your first expenses will be building a coop of some sort, buying a feeder and waterer and some straw for the laying boxes. You need to buy chicken feed and continue to get straw to refresh the laying area and keep it clean.

Still, aside from the money you spend raising chickens, you have the wonderful knowledge of knowing you’re raising your own food and, if you have kids or grandkids, they can see first hand where food comes from. Chickens are friendly creatures too and they will come running when they see you.

If you’d like to raise chickens in the city, I suggest finding out first is your city allows backyard flocks and if so, how many chickens you could have. Then read up on the subject of chicken raising. Here are a few books to get you started:

Raising Chickens for Dummies

Storey’s Guide to Raising Chickens: Care / Feeding / Facilities

City Chicks

If you’d like to raise chickens and other animals in the city, try this book:

Barnyard in Your Backyard: A Beginner’s Guide to Raising Chickens, Ducks, Geese, Rabbits, Goats, Sheep, and Cows

All of these books on raising chickens in the city are available on Amazon.com and got 5 star ratings from readers.

Further reading:

Mad City Chickens - a great website with lots of chicken info.

Are You at Risk for Heart Disease - 2 Simple Ways to Find Out

Are you at risk of getting heart disease? Many baby boomers face this serious health problem but there are two simple tests you can do at home to see if you are at risk.

Test Number One:

If you are over 40 years of age, have you kept your body limber? Adults over that age who have kept their flexibility also 30% less stiffness in their arteries, than those adults who are less flexible.

Remedy: Stretch just 10 to 15 minutes a day to keep your body’s flexibility and help prevent heart disease and hardening of the arteries.  Just these few minutes of stretching daily may help keep your arteries more elastic, as well as the muscles and tissues surrounding them.

Measure Your Waist to see if you are at Risk of Heart Disease

What is your waist to height ratio? The size of the fat cells in your stomach may be one of the best indicators as to whether or not you are at risk for type II diabetes, which in turn increases your risk for stroke and heart disease by two to four times.

How tall are you in inches? Take that measurement and cut it in half. For instance, I am 66 inches tall. So the number I am looking for is 33 inches.

Next measure the size of your waistline. Your waist measurement should be equal to or less than, half your height. If your waistline measures more than half your height, consider losing some weight and reducing dangerous belly fat.

Here are some useful tips for reducing belly fat

More Great Weightloss Tools and Tips

Need help finding an exersise program for seniors? Try these:

Fabulous Forever - Easy Aerobics Video: Beginners Exercise for Baby Boomers, Reduce Risk For Heart Disease, Build Stamina, Burn Calories and Become Cardio Fit by Mirabai Holland, MFA [VHS]

Yoga for Seniors to Improve Flexibility:

Lilias! AM & PM Yoga Workouts for Seniors

Baby boomer’s health and wellenss is in their own hands. Proper diet, exercise and losing a little weight can help with health aging and help you avoid the degenerative diseases common to seniors and older people.

Guide to E-Learning Sites - Free Distance Learning Online

E-Learning brings lectures, videos and online courses on literally thousands of topics, right to your computer or iPod. Are you interested in the Civil War? Health? The Russian Ballet? Physics? Economics? E learning can be delivered to you on demand.Here is a guide to free e- learning sites on the Internet where you can pursue any hobby or research any subject from the comfort of your home - all for free.

ITunesU - I’ve had an ipod for over a year but never tapped this terrific e learning resource until recently. Would you like to subscribe to a Sanford University course on Colonial and Revolutionary War history? There are 25 one hour tracks just in this one topic. At last count Apple had more than 100,000 educational video and audio files - all free downloads from universities, museums and cultural institutions all over the world. Just go to your iTtunes account and click on iTunesU. You can learn about landscape architecture from UC Davis or the Origins of America from the Library of Congress from this huge e learning site.

On the Research Channel, you can watch a video lecture from USC with a demonstration of rare musical instruments or get an update on Fibromyalgia. The Research Channel offers a consortium of leading research and academic institutions with more than 3,500 videos for free distance learning online.

Video Lectures.Net offers video lectures by famous scholars and scientists taken from seminars, workshops and conferences from all over the world. Nearly 10,000 videos are available in subjects like architecture, medicine, humanities, mathematics and more.

At Academic Earth, you’ll find thousands of video lectures on anything from a Yale course on psychology to an MIT class on physics. Subjects include medicine, history, international relations, astronomy, political science and much more.

For more free e-learning resources, visit Open Culture, a website dedicated to keeping up with new offerings free cultural and educational media on the Internet. Find links to free audio books, free courses online, free foreign language classes and lots more. Check out their listing of 250 free online courses.

To access these e learning lectures and videos:

1.  You will probably need a high speed Internet connection. Loading large files is very time consuming on dial up connections.

2.  Sign up for free with Apple iTunes, which is a handy way to download and organize from e learning sites. Other ways to download include QuickTime, Windows Media Player or RealPlayer. Basic versions of these offer free sign up.

3.  If you have an iPhone or iPod, you can transfer the files to these by saving them to your iTunes library and then transferring them to your media player.

Don’t let the details scare you away from e learning! Find a video or lecture you like and hit “download!”

Most baby boomers know that to age well, you have to keep your mind actively engaged and learning all the time. With e learning sites, you can keep up with topics you’re interested in or learn something new. The Internet can connect you with free distance learning to fit your schedule.

Many Baby Boomers fear they won’t be able to retire at all. If this is you, check out some of the best retirement calculators to see where you stand with your retirement finances.

Some baby boomers enjoy their jobs and want to continue working and some will be forced to continue working into the forseeable future due to economic setbacks or not planning for retirement. I think many baby boomers would like to continue working, but perhaps in a different, more fulfilling job, or even working as a volunteer, doing something they enjoy.

My husband wants to retire within the next year but he hopes to transition into an online business as a virtual assistant. My income also comes from my online businesses so this will leave us free to travel in our RV and take our means of income along with us. We also hope to travel to places where we can volunteer our time, doing something fun and fulfilling.

Best Retirement Calculators

Most of these retirement calculators allow you to put in your vital statistics and come up with an answer for the amount of income you’ll need to live the lifestyle you choose and answer the question as to whether or not the amount you have in savings and investments, plus other resources, will offer you the chance to retire in the near future.

Of all the retirement calculators I tried, I liked these two the best as being simple to use and offering the best information.

MSN Money Retirement Planner

Bloomberg Retirement Calculator

When I calculated our retirement income, I was pleasantly surprised at the findings. Some people don’t like the idea of scaling back their lifestyle but actually, we are looking forward to living in a smaller house and having time to plant gardens and spend more time on leisure activities.

I watched Wayne Dyer on the PBS station talking about his new book, Excuses Begone!: How to Change Lifelong, Self-Defeating Thinking Habits. This 3 hour presentation was a perfect way to begin my new year. Manyu Baby Boomers have excuses for not achieving their goals based on age. Are you using any of these excuses for not creating a better life:

• It will take too long - At my age, I don’t have time!
• It will be too late to change now
• I’ve always been this way
• It’s too risky to try at may age

Louise Hay wrote her first inspirational book at age 61. Wayne Dyer himself is in his late 60’s and still speaking, writing and motivating people. What is too old anyway? As for being too late - do you plan to die tomorrow? If you don’t, then it’s never too late to live a better life for whatever years you have left?

I think seniors especially need to read Excuses Begone. You may have spent your entire life making excuses for not achieving what you want in life and by now, after multiple failures in life, you believe it’s not possible to change now and live a better life.

What do you want to achieve in the new year? Do you have a medical issue you want to heal? Do you want to retire? Do you want to volunteer more and work less? Would you like to lose weight, write a book, have a more loving relationship with your family? All these things are possible if you get rid of the excuses that have been holding you back.

In his book, Wayne Dyer goes over the 18 most common excuses, sent to him by his readers, people like you. He goes over each one and helps you look at the excuse, and your thoughts about it, in an entirely new way. Using this new perspective, Dyer offers a plan for you to over come the excuses and achieve whatever goals you may have.

One of Wayne Dyer’s books, 10 Secrets for Success and Inner Peace, literally changed my life, helping me to be happier and have more loving relationships in my life. That was the first of his books that I read and since then, I’ve read all the others. They’ve helped me to set out a plan for my life and achieve what I think is important for my happiness.

The Journey of a thousand miles begins with a single step. Make your first step reading Excuses Begone and you can then lay out a blueprint for the rest of your journey to the life you’d really like to live. At our age, we don’t have a single day to waste on excuses!

Want to retire and live the RV lifestyle? Full time RVing can be a rewarding way to spend retirement,

Support Your RV Lifestyle by Jaimie Hall

filled with fun and adventure. My husband and I are planning for full time RV living as soon as he retires in a year or so. Although people of all ages would love to live the RV life, retirees and others also need to make money on the road. Believe it or not, there are many ways to so this.

When we began our search for ways to support full time RVing, I purchased Jaimie Hall’s book Support Your RV Lifestyle! An Insider’s Guide to Working on the Road, 2nd Edition I highly recommend this book at a great RV lifestyle resource. Jaimie interviewed full time RVers for over 10 years and put together their tips and advice for working on the road.

It’s possible to take your job with you using her recommendations and resources. First, you need to evaluate how much money you need to make, what sorts of qualifications you already have for making money on the road and setting goals for yourself.

Hall covers setting up your own business that you can take with you while RVing, like writing, or how to find jobs at campsites, state parks or through tourism bureaus or temporary or seasonal work for RVers. She even has a section on managing your RV expenses and lifestyle considerations which are taken from stories told to Hall by other RVers.

The resources for those who want to live the RV lifestyle are worth the price of the book. Get a complete listing of state parks and tourism offices, tax information, grocery shopping and budget work sheets, websites for job searches, budgeting, using computers on the road, how to do a job search for the type of job you want, how to get hired at parks or resorts and so much more! I refer to this book again and again in our planning.

Since I like to write, I am already planning an RV blog about our travels. If you’d like to make money blogging about your experiences or some aspect of the RV lifestyle, visit the The Niche Blogger - a terrific resource that I used to help me set up my five money-making blogs. The Niche Blogger is a subscription site but you can learn all you need to learn in about 3 months of the subscription. You can cancel at any time and keep reusing the information to set up more blogs.

Jaimie Hall also has a free ezine and blog about her RV lifestyle experiences.

At present, my husband and I are RV shopping and downsizing our possessions so we can hit the road in another year. I’ll keep you posted on our progress.

If you own your own company and it’s time to retire, you need expert advice for selling at the perfect time. Since 1986, The March Group, the leading private mergers and acquisition firm, has specialized in the sale of middle-market businesses.

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Contact the The March Group for additional information about their merger and acquisition services.

The author was paid for this posting.