<![CDATA[Survive55.com: the Baby Boomer Guidebook - BLOG]]>Fri, 28 Apr 2017 20:18:04 -0700Weebly<![CDATA[LIFE CALCULATORS FOR BABY BOOMERS - PART 2]]>Tue, 28 Feb 2017 07:00:00 GMThttp://survive55.com/blog/life-calculators-for-baby-boomers-part-2PictureGRANDVIEW FINANCIAL GROUP
Baby Boomers,

In yesterday's blog
we looked at 3 major life calculators:




As promised, today I am bringing you a few more calculators to help you through your Baby Boomer life decisions.

I found these on the GrandView Financial Group website.

Kudos to them for having the creativity and foresight to offer these tools to anyone looking for help with their financial questions.

GFG is a full-service financial firm dedicated to helping their clients build wealth and protect their hard-earned assets.

They recommend only those products and services that can be tailored to suit their clients' unique needs.

Their firm is always ready to offer ongoing financial experience & knowledge whenever you need it, whether or not you are ready to invest.

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Many people have the potential to earn a small fortune during their working years.

Yet some are unaware of how their annual income adds up over the years.

This calculator, designed to help you estimate how much you may earn before you retire, could surprise you.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Businesses generate a "sources and uses of cash" statement to evaluate their income and expenses and to check profitability.

Similarly, a cash flow statement can help you evaluate your personal income and expenses and see if you are operating "in the red" or "in the black" each month.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

On your way home from work, do you drive in the slow lane or the fast lane?

Each person has a different propensity for risk.

When investing, this risk propensity may be used to help assess your asset allocation.

The following questionnaire may help determine your risk tolerance.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

There are basically two approaches when considering your long-term care needs: self-insure or purchase long-term care insurance.

Use this calculator to determine your potential long-term care needs and how long your current assets might last.

Paying Off a Credit Card

Although Americans have reduced their personal debt levels in recent years, some credit card balances remain high.

Additional monthly payments may make a difference and accelerate the payoff of your outstanding credit card debt.

If you found these calculators interesting or helpful, I bet your friends would to so please forward my blog to them.

The more Baby Boomers we can help the better place we make this world !!!

Thanks for joining me..........................................................

<![CDATA[LIFE CALCULATORS for BABY BOOMERS]]>Mon, 27 Feb 2017 07:00:00 GMThttp://survive55.com/blog/life-calculators-for-baby-boomersPicture
Baby Boomers,

​Life is a series of calculations.

How long will you live?

How much do you need to save to retire comfortably?

What's the odds of you winning the lottery?

Wish you could get decision-making down to a science?

Well, you can (almost) thanks to our modern day internet.

There are leaders in the decision analysis field for quality of life, insurance, economics, wealth building and even romance and relationships that have created social websites to make your decision making process easier.

Whats the odds of that huh?

Sorry, I couldn't resist

How do you make your important life decisions?

Would you feel better about your major life decisions if you had some sort of empirical information to base your decisions on?

Would having an "expert" agree with your decisions boost your confidence level and strengthen your risk taking behaviors?

Like Forest Gump said:

"Life is like a box of chocolates, you never know what you are going to get."

Well, with the multitude of 
decision analysis websites now readily available on the web, maybe you can figure out what is in the middle of your life "chocolate" without having to pinch it first.

I did some quick research on the different calculators that can be found on the internet that can help Baby Boomers with their major life decisions.

Many of these like actuarial tables and life insurance calculators are pretty bullet proof since they are based on years of data collection and trend analyzing.

They can predict the outcome of your questions
to within mere percentage points.

Some are more emotional and intuitive, formulated to
help you make good decisions even if you are uncertain of the outcome.

They don't
guarantee you the best outcome, but by using their input your decision-making may be clearer.

I am going to post a few of these calculator links for you to try out.

My philosophy Baby Boomers is: "At our age any help is good help."

See if some of these calculators work for you but don't be silly and base all of your important life decisions solely on their results.

the fundamentals of better decision making include identifying all of your alternatives.

Don't forget that you alone are the axis for your decision making.

Focus on your
preferences or what you like, as well as what the calculators suggest for you.

Make sure to sufficiently weigh the pros and cons you face and the uncertainty that surrounds each decision.

We usually forget to do this.


Once again, Forrest Gump hit it right on the head when he said:

"My mama always said, dyin' was a part of life. I sure wish it wasn't."

I would venture a guess that the single most pressing question that every human being carries with them is "How long will I live?"

Would you be leading a different life if you knew this answer?

Would you be a better person?

Would you be doing things differently from what you are now?

If we knew exactly how much time we had on this planet would life be easier or would we be driven to a quick state of insanity?

Click on the link below to use a calculator developed by
Dean P. Foster, Choong Tze Chua, and Lyle H. Ungar, at the world renowned Wharton School of Statistics at the University of Pennsylvania.

It will help you calculate how much time you have left.



OK, now you know how long you have to live.

Hopefully, it's good news for everyone.

So, how are you going to spend the rest of your precious time on this planet?

What is your true purpose in this world?

What direction should your life path take and what are the core issues that will shape it?

Will it be a scene from the movie Forest Gump?

Jenny Curran: "Do you ever dream, Forrest, about who you're gonna be?"

Forrest Gump: "Who I'm gonna be?"

Jenny Curran: "Yeah."

Forrest Gump: "Aren't-aren't I going to be me?"

Click on the link below
from a website developed by
Dan Millman a former world champion athlete, university coach, martial arts instructor, and college professor.

After an intensive, twenty-year spiritual quest, Dan's teaching found its form as the "Peaceful Warrior's Way", expressed fully in his books and lectures.

His work continues to evolve over time, to meet the needs of a changing world.

Dan's thirteen books, including Way of the Peaceful Warrior, have inspired and informed millions of readers in 29 languages worldwide.

The feature film, "Peaceful Warrior," starring Nick Nolte (how ironic, huh?), was adapted from Dan's first book, based upon incidents from his life.



Well, we know how long we are going to live and who we are going to be finally so what's left...................just about everything.

You know what?

There's a website for that.

It's called "Ahoona."

It's a pretty cool concept.

As it says on their landing page:

"Ahoona is about People."

Making a decision by yourself can be hard.

Ahoona connects you with your friends and the world to get input on your decisions.

It is people, not data, that make a decision!

With Ahoona, you can see the reasoning other people have used to make a decision, get tips on important information, and use advanced tools to determine the best decision for you.

Ahoona was created by leading experts in the field of decision analysis.

It was designed to capture all elements of decision quality into the analysis to help you make the best decision.

Click on the link below to be taken to Ahoona.


Did you try out these calculators?

Are you feeling better about your life?

I hope so because that's my #1 job here as the blogmaster for the Survive 55 nation.

If you liked today's calculators then come back tomorrow because I will be posting more life calculators for you to play with.

We'll touch on some more serious topics like retirement, insurance, taxes and other things.

If you found my blog interesting or helpful, I bet your friends would to so please forward it to them or tell them about it.

The more Baby Boomers we can help the better place we make this world !!!

Let's finish with another quote from Forrest Gump:

"My Mama always told me that miracles happen every day. Some people don't think so, but they do."

Thanks for joining me..........................................................

<![CDATA[Telemarketing "Spoofing" Scam]]>Mon, 16 Jan 2017 07:00:00 GMThttp://survive55.com/blog/telemarketing-spoofing-scamPicture
Baby Boomers,

Have you ever seen this telephone number pop up on your phone?

(845) 842-1177

This is a "Spoofed" phone number.

Over the last couple of weeks I have received at least 25 calls from this number.  I never answered because I don't answer numbers that I don't have in my address book.

I have over 400 names listed in my Droid address book.  If you are not in my phone book then chances are I don't want to speak with you.  
If the call is so important, the caller will leave a message and then I might call them back.  If it's worth it, I will add the new number to my address list.

That's what I do.

That's "how I roll."

How about you?

Are you cautious in how you treat incoming calls?

Well, I finally answered a call from (845) 842-1177 and guess what?

It was a telemarketer.  He wanted to sell me pet supplies.  I don't have a pet.  Nicely, I asked him to remove me from his calling list.  He continued to try and sell me pet supplies.

Not so nicely, I asked him to remove me from his calling list.  I think I hurt his feelings.

Should I care?

So I decided to do some research on this number to see what was really happening in the background to share with you.

(845) 842 - 1177 is a "spoofed" number.

Sounds like fun doesn't it?

It's not.

Actually, a "spoofed" number is a technological wonder of the modern computer age.

Here's what happens.......................

A unscrupulous telemarketer (is there any other kind?) purchases (or hacks) a telephone list from a reputable company.  They set up shop in a steamy, dark, abandoned warehouse somewhere in a run down industrial neighborhood in a major metropolitan area. They hired poor, off-their-luck indigents to make calls to unsuspecting people all over the country. These destitute and impoverished phone jockeys are given scripts to read from in order to sell you a product or service you do not need. It is a contest to see who will break first. You listen to their "spiel" and buy their product, the phone jockey wins and receives a small stipend for his enormous amount of effort.

You ask to be removed from the call list and threaten to report the number to the Attorney General's Office the phone jockey loses and he moves on to his next number.

Has this ever happened to you?

At the very least an inordinate amount of psychological energy is expended in these phone battles.

But the totally cool part of this transaction is that you have no idea where this phone call came from.

In order to maintain anonymity and stay one step ahead of the authorities, the telemarketers purchase (or hack) a computer program
that  "tricked" your caller ID into displaying an incorrect phone number.

You get "spoofed."

Is that creative or what?

But can this get even worse?

In this day and age of computer wizardry....Heck Yes.

The telemarketers don't even have to use their own "spoofing" software.  They can rely on the expertise of their favorite neighborhood "spoofing service" to do their dirty work.

That's right, you can find your very own "spoofing service" on line.

The telemarketers hook up with these companies, supply them with the n
umbers they want called and give them a fake number (and sometimes name) for themselves that they want to appear on the target’s Caller ID.

The "spoofing service" then
places the misleading info into the Caller ID system.  Making matters worse, "spoofing" services are readily available over the internet, and they are disturbingly cheap.

ne of the most popular, Spoofcard.com, charges only $10 for 60 minutes of call time.

Do you sometimes feel like you are being scammed like Dorothy in the Wizard of Oz?

"Pay no attention to the man behind the curtain".

Like the "Great OZ" these "spoofers" can convince you that you are getting calls from just about anyone from the Pope to
Julian Assange.

Can anyone do this?

Do you have to ask?

This is the United States, land of entrepreneurial spirit and the free market system.


It's so easy it's scary.

I read that i
n 2006, Paris Hilton was using Spoofcard to send evil and nasty messages to her arch rival Lindsay Lohan and her friends.

It got so bad that Spoofcard had to suspend her account.

I imagine if Paris Hilton can navigate this type of scam, any human being (or anthropoid for that matter) with a preschool education can.


Honestly, this activity can be dangerous and alarming.

For instance, some of the more creative and sinister scam artists are beginning to use spoofing to trick people into giving up their credit card information, posing as representatives of the victim’s credit company, and having the Caller ID to “prove” it.

Do you see where I am going with this?

Don't believe everything you see, especially a caller ID name.

Is there anything you can do to combat this predatory behavior?

Well, there are a couple of actions you can take to reduce the amount of "spoofing" in your lives.

1. Once you figure out that you have been "spoofed", ask to be removed from the said calling list or ask to be put on their "do not call" list.  That may not solve anything but legally the telemarketer is required by national law to accommodate you.

The Truth in Caller ID Act of 2009, which was signed into law Dec. 22, 2010, prohibits caller ID spoofing for the purposes of defrauding or otherwise causing harm. In June 2010, the Federal Communications Commission adopted rules implementing the Truth in Caller ID Act bill to make it illegal.

3. Write down the name and number and add it to public "watchdog" websites like "CallerComplaints.com."  You can see my addition by clicking on this link: 


4. If all else fails, get yourself a 1-800 number and hook up with your neighborhood "spoofer" and have some fun calling every telemarketer you can find and try to sell them a training class on ethics and good behavior.

Here are 3 great tips that I found on the FCC (Federal Communications Commission) website that will help you avoid troublesome telemarketers and save you from exposing yourselves to their scams.

  • Don’t give out personal information in response to an incoming call. Identity thieves are clever – they often pose as representatives of banks, credit card companies, creditors, or government agencies to get people to reveal their account numbers, Social Security numbers, mother’s maiden names, passwords and other identifying information.
  • If you get an inquiry from a company or government agency seeking personal information, don’t provide it. Instead, hang up and call the phone number on your account statement, in the phone book, or on the company’s or government agency’s website to find out if the entity that supposedly called you actually needs the requested information from you.
  • Please let the FCC know about ID spoofers by calling 1-888-CALL-FCC or filing a complaint at www.fcc.gov/complaints.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me and don’t forget to rate this blog below...............................

<![CDATA[7 Questions to Plan Your Future]]>Tue, 03 Jan 2017 07:00:00 GMThttp://survive55.com/blog/7-questions-on-planning-your-futurePicture
Baby Boomers,

Today, I am putting you to work so grab some paper and a pen.

No really, grab some paper and a pen !!!

Today is all about motivation and inspiration and stimulation (no not that kind) and getting pumped up to make first class changes in your life.

Today, I am going to ask you 7 of the "hardest" simple questions you are ever going to try and answer.

I found these in an old article on the website "LIfehack.org"

So, get ready to carve out 30 minutes to an hour of your time to answer them.  This is worth it.  Write them down.

Be honest and be demanding on yourself to answer these questions so that you are true to your heart and intuition.

When you are done, you will have a game plan to
build a new future for yourself.

One you have always wanted.

1. What are the things I’m most passionate about?

The first step to living a more fulfilling life is to think about the things that you’re passionate about.

What do you love?

What fulfills you?

What “work” do you do that doesn’t feel like work?

Maybe you enjoy writing, maybe you love working with animals or maybe you have a knack for photography.

The point is, figure out what you love doing, then do more of it.

2. What are my greatest accomplishments in life so far?

Think about your past experiences and the things in your life you’re most proud of.

How did those accomplishments make you feel?

Pretty darn good, right?

So why not try and emulate those experiences and feelings?

If you ran a marathon once and loved the feeling you had afterwards, start training for another one.

If your child grew up to be a star athlete or musician because of your teachings, then be a coach or mentor for other kids.

Continue to do the things that have been most fulfilling for you.

3. If my life had absolutely no limits, what would I choose to have and what would I choose to do?

Here’s a cool exercise: think about what you would do if you had no limits.

f you had all the money and time in the world, where would you go?

What would you do?

Who would you spend time with?

These answers can help you figure out what you want to do with your life.

It doesn’t mean you need millions of dollars to be happy though.

What it does mean is answering these questions will help you set goals to reach certain milestones and create a path toward happiness and fulfillment.

Which leads to our next question........................

4. What are my goals in life?

Goals are a necessary component to set you up for a happy future.

So answer these questions:

  • What are your health goals?
  • What are your career goals?
  • What are your family goals?

Once you figure out the answers to each of these, you’ll have a much better idea of what you should do with your life.

5. Whom do I admire most in the world?

Following the path of successful people can set you up for success.

Think about the people you respect and admire most.

What are their best qualities?

Why do you respect them?

What can you learn from them?

It’s been said that you’re the average of the 5 people you spend the most time with.

So don’t waste your time with people who hold you back from achieving your dreams.

Spend more time with happy, successful, optimistic people and you’ll become one of them.

6. What do I not like to do?

An important part of figuring out what you want to do with your life is honestly assessing what you don’t want to do.

What are the things you despise?

What bugs you the most about your current job?

Maybe you hate meetings even though you sit through 6 hours of them every day.

f that’s the case, find a job where you can work more independently.

The point is, if you want something to change in your life, you need to take action.

Which leads to our final question ….....

7. How hard am I willing to work to get what I want?

Great accomplishments never come easy.

If you want to do great things with your life, you’re going to have to make a great effort.
That will probably mean putting in more hours the average person, getting outside your comfort zone and learning as much as you can to achieve as much as you can.

But here’s the cool part: it’s often the journey that is the most fulfilling part.

It’s during these seemingly small, insignificant moments that you’ll often find that “aha” moments that helps you answer the question, “What do I want to do with my life?”

So, take the first step toward improving your life.

You won’t regret it.

So how did you do?

If you are like me, your paper has lots of notes, plenty of scratch outs and a several things circled and highlighted.

Now, make a commitment to yourself to carve out another 30 minutes of your time to put all of this information together on one page.

Use the questions from above and list your answers in a clear and concise format.

Make copies of your page and post one in your office, in your car, on your bathroom mirror and use one as a bookmark.

Hold yourself accountable and post one on Facebook for all of your friends to see.

This is your life plan.

Do yourself a favor and begin following it.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me..............................

<![CDATA[NEW YEAR'S RESOLUTIONS - 30 CHALLENGES FOR 30 DAYS]]>Sat, 31 Dec 2016 07:00:00 GMThttp://survive55.com/blog/fervid-friday-30-challenges-for-30-daysPicture
Baby Boomers,

Are you sick of New Year's Resolutions?  Everywhere you turn someone is preaching to you how to be a better person, how to lose weight or how to make more money in 2017.

"It's easy!"

"Make 2017 your year!"  

"Don't wait....Send Your Money Today!"

Ya.....whatever.  Blah, blah blah, blah blah blah blah

My job here as the head master of this blog is not to judge you but to provide opportunity, support and help when I can and maybe along the way make your life a little easier and a little better.

So, because of that I am going to chance being one of those annoying people who think they know it all and are convinced they have a better way for you to be a better person.........if you pay to find out how.   Except for for few things:
  1. I don't know it all
  2. It's not easy
  3. 2017 doesn't have to be your year
  4. You don't have to pay anything

I do have one thing in common with my fellow TV hucksters though.  There are better ways to make you a better person.  Small ways. Not easy ways but small, controllable ways.  All you have to do is make a commitment.  

Make a commitment to yourself......Not anyone else......Not to me.....Just to yourself.

30 Challenges for 30 Days

So what am I talking about?

Well, I ran across this terrific idea on the website HighExistence.com and I want to Thank them for bringing it to the world.   

This "plan" is called "Your 30 Day Challenge."  It is smart, intuitive and most importantly achievable.

It has been said that it takes about 30 days to form a habit. 

Have you got 30 days? 

Good habits require cultivation and determination.

Getting started is the hardest, especially if you want to change an old habit into a new one.

This is why giving yourself a small challenge for a minimum of 30 days is a great way to get started on making big changes in your life. 

So, take a moment to think "Who do I want to be in 2017?"

Check out this TED talk first to get inspired:

Now,  pick one or more challenges below and stick with them!

Keep a log, challenge your friends.  If you don't have any friends then, challenge me.  Stay inspired!

Be cautioned, picking too many challenges at the same time can easily result in a failure of all of them.

And you don't have to use the suggestions below.

Do what's important to you.

If you are not particularly confident in your ability to make big personal changes then start small, start easy and start on something you find pleasurable.....but start !!!

30 Challenges for 30 Days

#1 Write a I-Like-This-About-You note/text/email each day for someone (Easy)

This is the perfect way to let someone else know you care. We are so often focused on the bad stuff that we forget to mention the good. You surely will make people’s day, 30 days in a row!

#2 Talk to one stranger each day (Hard)

This is a great one to cure approaching anxiety. Have you ever resisted the temptation to talk to someone because you were afraid and said to yourself that you actually don’t want to talk to her/him anyway? Not anymore! After 30 strangers you will understand people are just people and there’s nothing weird in speaking to someone you don’t know.

#3 Take one picture each day (Hard)

This one gets harder nearing the end of the challenge because at one point you will run out of the easy shots. This one is great to combine with other challenges, a great way to make a photo diary!

#4 Re-evaluate one long-held belief each day (Intermediate)

Questioning your own beliefs is a great way to rid yourself of bullshit while continually adapting to new knowledge you’ve taken on since putting old beliefs together.

#5 Take a 30 minute walk each day (Easy)

Walking is healthy, relaxing and inspiring. And it is both easy and free! A great exercise while walking is to observe other people and think about what the differences and similarities are between you and them. This will definitely increase your empathy and your observing skills! A great book on this subject is "Manwatching."

#6 Take a moment each day to practice self compassion and self-love (Hard)

Do you love yourself? Do you beat yourself up after you make mistakes? You can test your own level of self compassion here. Chances are you don’t score very high. This is because our society sets standards that are almost impossible to achieve. And so we form a habit of thinking we are not good enough, not worthy enough. There is also a kind of stigma on self-love, it is often confused with either being arrogant or it being a weakness. Both are wrong. It is a skill that can be trained so you will develop the emotional skill set to accept parts of yourself which you might not like very much, you learn to stop fighting against frustration and start accepting it as an integral part of life itself. Self love and self acceptance are also crucial to loving and accepting others around you. Exercises to increase self compassion can be found here and check out the love yourself challenge here.

#7 Try a new recipe each day (Intermediate)

If you want to learn how to cook you need to practice, practice, practice. Forcing yourself to try a new recipe each day is a great way to learn of more techniques and ingredients. It also makes it easier to drop bad food habits you might have and turn them into healthy ones!

#8 Refrain from alcohol and other drugs for 30 days in a row! (Depends)

Do you have a social circle where there hasn’t been a sober night out for years? Can you try to have fun without ingesting chemicals to alter your doors of perception? This is a great challenge to learn how to stand up for yourself against peer pressure.

#9 Write a 50,000 word novel in 30 days (Hard)

Ever wanted to write a book? Do it. Do it in 30 days. Check out the official site here.

#10 Learn how to draw a human face in 30 days (Intermediate)

There are many ‘how to’ YouTube videos on drawing and if you ever wanted to learn how to draw, stop making excuses. Set yourself a challenge and be amazed what you can achieve in 30 days!

#11 Watch a documentary each day (Easy)

Always wanted to know everything about a certain topic? You are in luck, it’s the digital era! There are more documentaries online you can possible watch in a lifetime. 

YouTube, Google Video, TruthTheory and TopDocumentaryFilms are some of the great sources.

for a list of the best documentaries according to High Existence.com.

#12 Read a chapter each day (Easy)

We all know we should be reading more often but somehow we are glued to the same computer screen you are staring at right now. Clicking buttons. The solution is to take some time each day to read one chapter. Just one. Easy right? Do it somewhere cozy or outside. Grab a cup of coffee or tea, turn on some ambient music. Check out these links on what books to read. Click here and here.

#13 Study a topic you’d like to master each day (Hard)

Always wanted to know everything about Animal Behavior? Psychology? Physics? Philosophy? Educate yourself without school! Pick a topic, plan at least a lecture or an assignment each day and become a genius on your passion! Click here to find out what is possible and how to do it.

#14 Walk/Drive/Run a new route to work/school each day (Easy)

This is a great challenge to keep alert, discover new places, get a better understanding of your city and to have more fun while doing one of the mundane daily tasks of life.

#15 Read a new article on HE each day (Easy)

A great way to keep inspired, to come up with new ideas and to motivate yourself to make the best out of life!

#16 Media-fast for 30 days (Intermediate)

Don’t watch any television and stop following the news. Limit yourself to reading a maximum of 5 blogs this whole month. Log out of Facebook, Twitter and StumbleUpon. Stop the information overload and try living simple. You¥ll be amazed how much free time you have left!

#17 Pick one bad habit you already have and ditch it for 30 days (Hard)

Are you a smoker? Do you like to see the negative side of things? Do you practice self-hate? Do you eat fast food? Do you play too many video games? Quit them for 30 days, and pick another challenge instead!

#18 Inspire yourself each day (Easy)

Studies have shown that people who are inspired are happier, nicer, productive and will not stray away from their chosen path if life gets difficult. So print a quote and tape it to the mirror. Have an inspirational video as your starting page. Use an inspirational mantra for meditation. Get a principle to live by. In short, get your dose of inspiration each day!

#19 Take a cold shower each day (Intermediate)

Cold showers are great for uplifting ones mood, cure stress related diseases, to strengthens ones immune system and to make your skin beautiful. 

#20 Think of an accomplishment you’d like to achieve for each year of the next 30 years, a year each day. (Hard)

This is great existential shock therapy. You can’t answer these questions without facing your life as it is right now and how it is likely to unfold. This one also gets harder progressively. It’s a great way to reflect!

#21 Practice a random skill everyday (Easy)

There are many available How To’s on YouTube and other video sites. Pen tricks, hand stands, Parkour, dances, cooking tricks. Broaden your arsenal!

#22 Take the stairs every chance you get (Easy)

Somehow escalators seem ridiculous to me, and in some cases elevators too. It always reminds me a bit of all the fat people in Wall-E. Too lazy to do anything. So take the stairs every chance you get for 30 days. It is healthy, it doesn't look silly and it will add up over a lifetime :)

#23 Wake up early each day (Intermediate)

It is well to be up before daybreak, for such habits contribute to health, wealth, and wisdom. – Aristotle

Check out how to become an early riser.

#24 Keep a journal (Intermediate)

Great for memory, reflection and especially awesome to look back to in the future and remember the good old times when you did these challenges!

#25 Don’t lie for 30 days (Hard)

This is quite the challenge. Stop deceiving yourself and others, speak from the heart. This one goes great with cultivating right intentions, because if you master that, there won’t be any need for lying!

#26 Combine challenges (Easy)

Take a photo of yourself reading a different book at a different location. Take 10,000 steps on a new route to meet a stranger and ask for a recipe to try out. Do all challenges, a different one each day. Wake up early to make time to meditate, practice self compassion and yoga. Finish it off with a cold shower!

#27 Doing something that scares you every day (Hard)

Fear is the one thing keeping you from being the best version of yourself. The only way to overcome your fears is to face them head on!

#28 Don’t complain for an entire day (Hard)

This one will likely take more than a few days to work up to achieving. Even if you’re a highly positive person, it’s difficult not to utter one negative sentence for a 24-hour span. Don’t be down on yourself if you can’t make it past an hour — as with everything this takes practice! This one is also great practice for becoming conscious of your thoughts.

#29 Meditate each day (Intermediate)

Read this to learn why you should meditate, learn awesome variations on meditation here and discuss this challenge here. The best moments are just after waking up and just before sleep!

#30 Practice (at least) one completely selfless act each day (Easy)

Go out of your way to help someone else out who may or may not deserve your kindness. Take out your neighbor’s trash. Give a $5 to a homeless person. Do something that takes real effort on your part while brightening the day of the receiver.

So what challenges are you going to tackle?  Is it something you have always wanted to do?  

Let's do this together.  I have struggled for years to learn Spanish. By the end of 2017 I will be speaking fluent Spanish.

There you go....I HAVE MADE A COMMITMENT.....To the entire world !!

Now how about you?

Send me your challenges and commitments in the "Comments" section below.

I promise to be your best support tool.

Do you have room for one more challenge?  

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me...............................

<![CDATA[THE 15 STRANGEST NEW YEAR'S CELEBRATIONS]]>Thu, 29 Dec 2016 07:00:00 GMThttp://survive55.com/blog/strangest-new-years-celebrationsPicture
Baby Boomers,

All right, here we go.

10, 9 8, 7, 6,5,4,3,2,1........HAPPY NEW YEAR !!!

Well, that's still a few hours away but I bet a vast majority of you are already planning for tomorrow's festivities.

Whether it's a trip to Time Square to watch the big glass ball drop or a trip to Flagstaff, Arizona to watch the giant pine cone drop there is no lack of crazy and exciting things to do to usher in the new year.

Me, I am more of a retrospective animal on New Year's eve.

I like to update my calendar (adding the Birthdays, Anniversaries and special events that I love to share with others) for the next year.

I like to quietly reminisce about this past year's events and accomplishments and prepare for what I would like to do next year.

I make a few lists on the success's and "not so" success's of the past year, target my priorities and set a success game plan for the next 12 months.

Sure, if I can stay up late enough ( we are in our 50's after all) I'll watch some TV celebrations from other major cities (I do miss Dick Clark) and maybe even toast a few adult beverages but I am not a huge advocate of partying my ass off on New Year's Eve just to start the new year hung over like a bear.

Let's leave New Year's Eve to the amateurs.

PicturePine Cone Drop in Flagstaff, AZ
While toasting champagne, tossing confetti, rattling noisemakers, blowing cheap horns, wearing funny shaped hats and counting down to midnight have become the standard ways to celebrate in the United States, some countries and specific cultures still have their own unique and sometimes very odd ways of ringing in the New Year.

I thought it would be fun to take a look at some of the funnier and stranger types of festivities across the world.

Maybe next year we can pick out one of the crazier celebrations and join them.


1. Talca, Chile - people spend the night in a cemetery to keep company of dead loved ones.  This has a kind of  chilling ring to it but maybe they are getting some new year advice from their long departed loved ones.

2. Ecuador - t
he burning of the 'ano viejos' dummies which represent the old year is a local tradition.
Some of these dummy's are often stuffed with firecrackers and Chinese rockets.

Also, Dummy faces are masks representing everyone from the city.

3. Brazil - it is important to
Jump seven waves at the beach after midnight to honor the goddess of the waters, and to bring good vibrations.

Also, you can create good luck by wearing new colored underwear, red, purple, yellow, etc- each color represents your biggest desires for the following year.

If that's not enough to trip your trigger then hop three times on your right foot with your glass of champagne in hand.  This represents starting the year on the "right" foot.

4. Columbia - W
alking around your neighborhood with an empty suitcase is to greet a new year full of travel.

5. Scotland -  G
iant fireballs on poles overhead (representing the sun to purify the coming year) are swung by the townsmen during their local parades.

If you are out and about traveling on New Year's Day remember to be prepared to be the the
"First Footer." 

This is the first person to come into your house on New Year's day and decides the family's luck for the rest of the year and they usually have to carry a gift for luck.

6. Estonia - My favorite country besides Lithuania, consider the numbers 7, 9 and 12 are lucky. 

People there should eat 7, 9 or 12 times on the New Year day.

This signifies abundant food in the New Year.

However, not all the foods should be eaten, some should be left out for the ancestors and spirits who are believed to visit the house on New Year's Eve.

7. Ireland -  B
anging the Christmas bread on your house walls and doors is believed to chase away the bad luck and bring the good luck in.

8. Denmark - B
reaking old plates and glasses against friend's and relative's doors is a sign of good luck with your friendship.

It is also highly recommended that you both
stand on chairs and jump off together at midnight since it is suppose to banish bad spirits and bring good luck.

9. Spain - Y
ou have to eat 12 grapes.

The g
rapes are eaten at every stroke of the clock as it strikes 12 on the New Year Eve.

Each grape signifies one of the 12 months and it is believed that it will bring good luck and prosperity throughout the year. 

Wearing red underwear also helps with the good luck thing.

10. Japan - T
he stores sell boxed meals including foods that are considered lucky, so you must have some on New Years Day.

Cleaning the house towards the end of the year signifies purification throughout the new year.

At midnight New Year's Eve you must visit a shrine to ring the bell and worship.

At Buddhist temples, the bells are rung 108 times at midnight to purify the listeners of the 108 sins or evil desires that exist in every human being.

It doesn't hurt to w
ear a costume to these temples or send in cards of drawings of the next year's zodiac animal which in 2014 is the horse.

11.  Philippines - It is recommended that you dress in polka-dots or display round fruits on the dining table because roundness signifies prosperity.

They also believe that a
ll doors must be left wide open to allow good luck to enter right before the clock strikes midnight to the New Year.

It's not a bad idea to b
e frugal on the first day of the New Year to set the tone for wise money management for the rest of the year.

I wonder if they use the colorful underwear trick as well?

12.  Hillbrow, Johannesburg, South African - The practice of
flinging furniture out the window has, in recent years, made the South African district a hot-spot for armored vehicles and police presence on New Year’s Eve.

13.  Siberia - The crazies enjoy the “underwater circus,” in which ice-divers plunge to the bottom of Lake Baikal to make merry around an artificial New Year’s tree placed there.  What could be more fun than freezing your gonads off in the middle of a Russian lake?

14.  Peru, South America -  Boxing with your neighbors to settle long-standing quarrels is the way to start the new year fresh.

15. Thailand - What could be more fun than having a gigantic country wide water fight over the course of a three day period like the folks in this country do to start off the new year?

Well, whatever you choose to do New Year's Eve remember one thing...........

Tomorrow is another day and with it's dawning comes the opportunity to make your life even better.

Not to sound cliche, but, what happens in 2016 stays in 2016 especially if it involves throwing furniture out of the window, punching out your neighbors or wearing red underwear.

Cheers and Welcome to 2017.

I know it's going to be a great year.

I would just like to say one more thing one more time this year............

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me..........................................................

<![CDATA[ALL I WANT FOR CHRISTMAS]]>Sat, 24 Dec 2016 07:00:00 GMThttp://survive55.com/blog/merry-christmasPicture
Baby Boomers,

I know everyone is incredibly busy today...in fact probably way tooooo busy to worry about reading damn blogs so I just want to say:

Happy Christmas Everyone !!!

Be safe out there and hope you find everything you are looking for for Christmas !!!

As my little present to you, I hope you enjoy the little Christmas video below and let me know:

What is your favorite Christmas Saying?

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me and don’t forget to rate this blog below...............................

<![CDATA[Best Motorcycle Accessories for Baby Boomers]]>Wed, 21 Dec 2016 13:20:35 GMThttp://survive55.com/blog/best-motorcycle-accessories-for-baby-boomersPicture
Baby Boomers,

As you "get your motor running and youre heading down the highway" have you ever noticed that motorcycle enthusiasts now-a-days come in all shapes and sizes. Most folks think that riding a "hog" is something that only young people do, but there are a surprising number of older folks that are taking up the "handgrip" habit, especially as they enter retirement. Whether it’s a way to reclaim their youth or something that they put off until they had the time to appreciate it, many baby boomers are exploring the "breeze between their knees."

For some us that have been riding our entire life, I think, deep down inside, we still miss that romantic motorcycle era of of the 60's and 70's when choppers were king, ape hangers ruled and sissy bars touched the sky.  It was all about looks.  Nobody needed comfort.  

Who can forget the "Eye of Providence" emblazoned on the tank of Michael Park's Sportster as he ventured across country in "Then Came Bronson."  Or was your "biker" persona modeled after Jack Nicholson in "The Rebel Rousers" with the Confederate flag sewn across the back of his leather jacket leading his gang as they "laid waste to the flesh and blood of America's daughters?"  

I guess we all look back now with a romantic eye at Peter Fonda and Dennis Hopper as they made their way across the U.S. on their custom "panheads."  Custom yes.....Comfort no.  A trip like that today would lay waste to my behind and put me in traction for a year especially on those type of bikes.  You definitely would not call me "Easy Rider."  

Today, the biker image has turned more conservative toward the cruiser and bagger styles.  
These are bigger and heavier bikes with loads of creature comforts. 

As with any set of bikers, boomers are all about upgrading and improving their rides by adding motorcycle accessories. For the older generation, safety and comfort are just as important as performance or speed, which means that a lot of the OEM motorcycle parts that they get are geared towards these concepts.

When you walk your local "bike night" it's not hard to spot a baby boomer custom.  The seats are bigger and more cushioned.  You will see a backrest or two.  A windshield is not out of the question and floorboards just make long runs on the road so much easier.  

Baby Boomers don't have to give up the road just because they are getting older, they just have to adapt the way they ride.  So, if you know a boomer biker that refuses to give up on riding and needs some extra accessories to support their advancing years, then, here is what you can buy for him or her. 

Seat Pads

OK, let's start simple and focus on that part of your anatomy that takes the most abuse on a bike: your butt.  Long rides can be brutal no matter what your age, but as we get older, we don’t have as much stamina to sit on a saddle for hours on end.

Thus, a big, comfy seat or thick seat pad is essential to enable a retiree to enjoy a long distance ride.

Are you heading to Sturgis from Arizona? Then a 19" super wide bucket with dual heating zones and backrests may be just the ticket you need to run 500 miles a day.  An "iron butt" or "saddle sore" award was something to puff your chest about in our youth but I'll trade a trophy for extra tush padding any day.


Here's a simple solution to a common riding ailment. As we get older, our grip strength will worsen. Whether due to arthritis or just old fingers, this means controlling the bike can be harder, especially on long rides.  

​ A set of thick, comfortable gloves is an excellent way to alleviate this problem. Again, technology has brought gloves to a whole new level of excellence.  They can be heated, waterproof, vented, ergonometric and even wired to control your cruise panels or audio system.  

Floor Boards

Nothing makes a long ride smoother and more enjoyable than having a truly comfortable place to rest your legs. Baby Boomer riders would really appreciate some big old honking floor boards to rest their dogs.  Nothing can wear you out more than the constant vibration to your legs from resting your boots on skimpy chrome pegs.  Easy to bolt on for both driver and passenger these accessories are both stylish and safety conscience.   

Seat Warmers

Talking about our tushies again, we mentioned earlier many boomers will prefer comfort over speed, so a decent seat warmer will be a nice addition to their motorcycle accessories, especially if they ride in cold conditions. There's nothing more comfortable than a toasty behind when the frost is forming on your beard.


When talking about Honda bike parts (or any other brand), a sidecar isn’t exactly an accessory that you would think about first when discussing comfort bolt-ons but they are safe, stylish and comfortable alternatives to riding one-up.  

Thanks to modern technology they install quickly and easily and they come prefabricated in some really cool styles that will match your bike. Many boomers like to ride with their significant other and a sidecar is a great way to make sure both riders are comfortable the whole ride. 

So there you go........5 ways to keep you comfortably out on the two lane blacktop.  Go get 'em Easy Rider.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help; the better place we make this world !!!

<![CDATA[THE MEANING OF CHRISTMAS]]>Wed, 21 Dec 2016 07:00:00 GMThttp://survive55.com/blog/what-matters-at-christmasPicture
Baby Boomers,

​One morning a professor of philosophy stood in front of his class and wordlessly began to fill a very large and empty mayonnaise jar with golf balls.

He then asked the students if the jar was full.

They agreed that it was.

The professor picked up a box of tiny pebbles and tipped them into the jar.

He shook the jar lightly allowing the pebbles to roll into the open areas between the golf balls before asking the students if the jar was full.

They agreed it was.

Next the professor poured a box of sand into the jar filling up all the remaining space and once more asked his class if the jar was full.

The students responded with a unanimous "yes."

The professor then produced two glasses of wine from under the table and poured the entire contents into the jar, the students laughed.


"Now," said the professor, as the laughter subsided, "I want you to recognize that this jar represents your life.

The 'golf balls' are the important things; your family, your children, your health, your friends and your passions.

In other words, all those things that if everything else was lost, and if only they remained, your life would still be full.

The 'pebbles' are the other things that matter like your job, your house, your car, holidays, etc.

The sand is everything else, all the small stuff.

Now if you put the sand into the jar first," he continued, "there is no room for the 'pebbles' or the 'golf balls'.

The same goes for life. If you spend all your time and energy on the small stuff, you will never have room for the things that are truly important to you.

So pay attention to the things that are critical to your happiness, play with your children, take care of your health, make time for your friends, and go out to dinner with your partner because there will always be time to clean the house and fix the car.

Set your priorities and take care of the 'golf balls' first, for they are the things that really matter.

All the rest is just sand."

One of the students raised her hand and asked, "What does the wine represent?"

The professor smiled, "I'm glad you asked. I was also showing you that no matter how full your life may seem, there's always room for a couple of glasses of wine with a friend."

​If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help; the better place we make this world !!!

<![CDATA[PREPARE FOR DATING IN YOUR 50'S]]>Mon, 19 Dec 2016 07:00:00 GMThttp://survive55.com/blog/dating-in-your-50sPicture"The FERVID 50'S"
Baby Boomers,

Do you remember an article I wrote several months ago about cutting loose in your "The Fervid 50's?" 

In this article, I asked everyone in their 50's+ to turn the temperature up a little on their lifestyles by taking a few chances and spreading your wings a little more than usual.  You know what?  We have earned the right to live and display our personalities with a little "shock factor." Remember, we are not dead yet and the skies the limit when it comes to risk and adventure. 

The real question is, are you game?  Can you live like you are dying and without any regrets?  This goes for not only married Baby Boomers and those in a secure relationship. If you are single, divorced or widowed, are you willing to take a few chances when it comes to how you engage the dating scene?

Today, looking for a new relationship in your Baby Boomer years is A LOT more commonplace today than it was 20 years ago.

But, it is also much more complex.  Even more so if you have young kids.

                  Dating in your 50's

More and more Baby Boomers are finding themselves "single" in their 50's whether it is from the loss of their spouse or from a divorce.

In my case, I chose to become "divorced" a couple of years ago.  This was my second attempt at a lifelong commitment that wasn't.  So, I found myself in an unfamiliar and unique situation.  I was newly single, happy, financially secure and surrounded by my kids who are all adults with children themselves.

But, I really hadn't dated in any serious fashion in over 20 years.  Between you and me, I really had no intention of hitting the dating scene again or even any idea how to prepare for it in case I wanted to date again. 

Luckily, there is an enormous amount of support and advice available to those interested in successfully navigating the world of dating again.

In my research on this subject, I found a wonderful article on the website "The Single Moms Guide to Dating" which is a site actually sponsored by eharmony.com.  


I know it says "Single Moms, " but it applies to single Dads just as easily.  Trust me on this one.  I know what a single Dad's  life is all about.  I was a single Dad raising 2 young children for over 10 years back in the late 80's/early 90's.  It can be difficult.  It can be trying.  It can make any attempt at dating a nightmare.  It is an experience I would never trade.

So, in honor of all over 50+ "single" Moms and Dads out there, I offer you the following sage advice from "The Single Mom's Guide to Dating" mingled with my own witty repartee.

           6 Things to do Before Dating in your 50's

1) Clean Out Your Closets (literally and metaphorically)

In any significant relationship you collect a lot of “stuff.”  There are physical mementos, photos, clothes and furniture of varying degrees of value. This is a perfect time to figure out the things you’d like to leave behind and the things you’d like to take with you. It’s not a time to be nostalgic or attached. Go through your “stuff” and see what will really serve you in the next stage of your life. 

When in doubt, throw it out!

2) Money Matters: Understand and Organize Your Finances

Consider the classic joke: "How can I be out of money when I still have more checks?"

Money is one of the most misunderstood issues out there. After you split, your assets split, but you now hold all of the responsibility for managing your own finances. You may have been the one in your marriage who kept the books and filed the taxes, or you may have avoided looking at a bank statement ever since you said, “I do.”

Regardless, now is the time when it’s imperative for you to face any fears and understand every detail of your debits and credits.

3) Let’s Get Physical

We aren't talking about the song by Olivia Newton John. Nor am I suggesting that you jump into bed with the first sex-toy that shows up. What I mean is that you need to take care of your body. This means getting a physical from a doctor or dentist so you’re up to date with things like pap smears, mammograms, prostate exams, hormones and oral hygiene. Not to mention every day exercising and eating well. When you feel good, everything else is easier.

You've got a lot on your shoulders and you need those shoulders to be strong.

4) All Systems Go

Your family has gone through a lot of change. That can make everyone anxious……even the family pets. The best way to transition smoothly to a new lifestyle is to build in routines that can be depended upon. Create predictable visitation schedules with the kids.  Continue to have family dinners. Create special bedtime rituals.

When the mechanics of your new home and life are running well, there will be more time for play.

5) Spend Quality Time with Your Kids

When you’re on your own, it can be easy to get caught up in the details of handling everything and lose sight of the big picture. There might be so much more to manage, but give yourself permission to goof off.
Put down the laundry and play a game of Monopoly with the kids. Paint your daughter’s nails. Just sit and watch a video and share a bowl of popcorn..

Your kids will remember these things more than any clean shirt.

6) You Get By With a Little Help from Your Friends

One of the worst parts of divorce or loss of a spouse is that friendships can shift and change. Who is your backup going to be? Who makes you laugh? Who makes you feel like your best self? Who’s really in your corner?

Find out who your true friends are and don't be afraid to ask them for help.  Make sure you are surrounding yourself with positive, helpful and supportive friends not just "drinking buddies".

As you take that ever cautious and frightful step back into the world of dating, you want it to be your most confident and alluring step.

You don’t necessarily need to travel the world for a year, buy a new Porsche or get hair transplants to get a new perspective on your future.But, one thing you do need to grasp, is that there needs to be a pause before beginning again.  Feel your feelings. Mourn what you lost.  Get yourself on solid ground by taking these six steps and you’ll be ready to make a clear-headed choice about your future.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too. 

It's easy to tell them about it.

Forward it on to them or just email them my blog link at www.survive55.com.

The more Baby Boomers we can help, the better place we make this world !!!

Thanks for joining me..........................................................