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Tips for baby boomers for holiday shopping

Posted by RitaR on November 5th, 2008

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By Rita R. Robison, Consumer Specialist, Blogging at The Survive and Thrive Boomer Guide

Guest Blogger

Economic times are tough for boomer consumers.

By planning ahead and using smart shopping techniques, you can avoid debt and unneeded stress during the holidays.

The U.S. Federal Trade Commission offers these tips when you’re holiday shopping at the mall, online, or by phone or mail:

Getting started

  • Make a shopping list, including the people you plan to buy gifts for and the type of gifts you plan to buy.
  • Create and stick to a realistic budget to avoid post-holiday debt.
  • Add to your budget the cost of cash gifts, holiday travel, extra food, wrappings, decorations, greeting cards, and postage.

Shopping the holiday sale ads

  • Shop around, to make sure the “sale” price is really the best.
  • Read sale ads carefully and look for terms such as “quantities limited,” “no rain checks,” or “not available at all stores.”
  • Call before you go shopping to make sure the item you want is in stock.
  • Consider your time and travel costs by adding these costs to the price is you have to go across town for buy the item.
  • Look for price-matching policies that some stores offer to meet or beat a competitor’s prices.
  • Check out Web sites that compare prices.
  • Keep shipping costs and delivery time in mind when you shop online.
  • Consider carefully bargain offers that are based on purchases of additional merchandise, for example, “Buy Three, Get One Free” or “Free Gift with Purchase.”
  • Use coupons if they’ll save you money on what you’re already planning to buy and if you’ve checked any restrictions.
  • Ask about sale adjustments, for example, if you buy an item at regular price and it goes on sale the next week, can you get a credit or refund for the discounted amount.

Staying on track

  • Keep track of your spending.
  • Save your receipts because you’ll need them for returns and exchanges.
  • Ask for gift receipts.
  • Ask about refund and return policies because stores are allowed set their own policies.
  • Keep good records, whether you’re ordering by mail, phone, or online.
  • Ship early to avoid heftyt last-minute fees, if you’re sending gifts to out-of-towners, factor in extra time for shipping.
  • Keep an eye on your wallet and purse and get your credit or debit cards back as quickly as possible during transactions.

Using layaway programs

  • Use layaways if you don’t want to charge it and if you don’t have the cash to pay for the item.
  • Get the store’s layaway policy in writing, including the terms of the layaway plan and the refund policy.

For more information, visit www.ftc.gov and www.MyMoney.gov.

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Choices and Regrets

Posted by JudithA on November 2nd, 2008

by Judith Auslander, MA, CLC

Wise Heart Coaching

Back in the January/February AARP Magazine, I read an article titled Woulda, Coulda, Shoulda. The article was about midlife crisis and coming to terms with the roads we have or haven’t taken in life. The article started with the focus on “What If?” No matter which of the numberless multitude of options available to each of us, whichever one we end up taking, there will always be, What If? And along with What If?, there is Regret. Regret can be painful, but it is mostly the raw feeling of missed future possibilities that we find the most agonizing. Regret can also be seen as the motivator for change. Without regret we might never move or change jobs or end a bad marriage. My father would often laminate his regrets over not going into business for himself. But the thing is, he did consider it many, many times and each time realized that the decision could very well have a negative financial impact on his family and their welfare. His decision was to take the “safer” road.

Like my Dad, we make decisions based on looking at as many options as possible, weighing the pros and the cons along with imagined events. No matter which path we choose, there will more than likely be some kind of regret. Did we miss a financial opportunity when it was available? Did we miss a chance at love, family, home? While normal regret teaches us where we might do better next time, high regret can be devastating and crippling and can lead to numerous maladies. Dwelling on the past mistakes and missed opportunities can consume our enjoyment of living in the present.

The other question we need to ask ourselves is am I making choices based on fear. Fear can be a tremendous limiter. Fear of rejection, fear of failure, fear of success, fear of change – the list is endless. My father’s fear of financial failure was what stopped him from moving from being an employee to an employer.

Henry David Thoreau counseled “To regret deeply is to live afresh.” To me this means that with each regret I grow, change, and learn new skills of coping. I have a choice to become a victim or take back my power. The first step in taking back my power is to accept that the decision was mine and mine alone. I choose to “live afresh.” Then move on. Once the decision has been made – move on. To agonize over it is to limit growth possibilities because we remain in the past.

We also live in a time of too many choices. Look down the cereal aisle at your local grocery store. Since I was a child back in the 50’s cereal choices have exploded. When I returned from spending 5 years in El Salvador I was lost in the toothpaste aisle. Too many choices can be a blessing and a curse. When you have a choice between A, B or C – it is much easier to narrow down which one will work best for you. But when your choices are A – Z, it creates making a decision – a clear decision you can be happy with – much more difficult.

It is mostly between the ages of 40 and 65 they we go through a period of reflection and reevaluation. When we were younger a missed opportunity was not the end of everything – there was still time to climb a mountain, go to school, fly a plane, be a brain surgeon. But by your 50’s, you come to realize that there are things that you will never be able to do – it is just too late. This loss of opportunity, of time, can be devastating. Or it can be a time of letting go. If we hang onto the regrets of missed times – we miss the times that are sitting there right in front of us to be enjoyed and lived.

What did the article point out as the “hit parade” of regrets? In order they were:

  • Education – not attending college or grad school
  • Career – lack of success in their chosen field or wish they had picked a completely different career
  • Romance – long lost loves, unrequited affections, ill-advised affairs, marriage gone bad, or never finding that special someone
  • Family – doubts about parenting, not having children, family friction and estrangement
  • The Self – disappointment in abilities, attitudes and behaviors

So, what can I do to help achieve what I want out of life? My immediate response is goal setting. A goal is the first step toward eliminating the possibility of a lost future. Next it is important to know who I am and what I really want from life. It is important to make sure that the goals you chose are yours – not someone else’s. In the end the only one you will have to look in the eye and answer to will be yourself – so make sure the goals you choose are in alignment with your values. Authenticity is of key importance when setting goals.

The next important question to ask when creating your goal or goals is, “Will it bring me joy?” Life is too short to not live it with joy. A goal is best when it brings a feeling of accomplishment as well as inner peace.

There are many tools to creating, writing and fulfilling your goals. Be sure you know the steps so that you experience success.

Judith Auslander is the author of, “The Power of Goal Setting-Transforming Thoughts Into Action!” available as an ebook from www.WiseHeartCoaching.com

A goal can be the key that starts the engine of your future.

Judith Auslander

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By Rita R. Robison, Consumer Specialist, Blogging at The Survive and Thrive Boomer Guide

Guest Blogger

Record voter turnout is expected throughout the nation as Americans face one of the most exciting elections in history.

Most people have made up their minds by now who they’ll vote for president.

However, there are many important state and local races on ballots throughout America. Among them are governors, members of Congress, attorneys general, treasurers, state legislators, judges, and local government officials. And, in many states, ballot measures are offered on state and local public policy issues.

Where can you find information about these candidates and ballot issues further down on the ballot?

The League of Women Voters of the United States offers a Web site Vote411.org. It provides general voter information such as:

  • Voting in your state.
  • Finding your polling place.
  • What’s on your ballot.
  • Stay informed.

To find out information about candidates to help choose a one to vote for, you can:

  • Make a list of issues important to you. Research the voting history of each candidate. Eliminate candidates that don’t match up to the issues that are important to you.
  • Ask knowledge friends, co-workers, and relatives.
  • Read the candidates’ statements in your state and local voters’ guides.
  • Visit candidate Web sites.
  • Review newspaper endorsements. However, be careful here as in some cases newspaper endorsements reflect the interests of the business community rather than consumer interests.
  • Visit the Web site of your political party.


Among the ballot measures across the nation are:

  • Massachusetts – Decriminalize marijuana.
  • California – Renewable energy standards, bond issue, gay marriage ban, abortion restrictions, additional penalties on crimes, and animal welfare.
  • Washington state – Death with dignity, traffic, and health care worker requirements.
  • Missouri – Home health care.
  • Ohio – Paid sick leave.
  • Montana – Children’s health care.
  • Michigan – Universal health care and stem cell research.
  • Arizona – Payday lending.
  • North Dakota – Term limits repeal.

There are 153 ballot measures on the Nov. 4 ballot throughout the U.S., according to Ballotpedia.org.

To help you determine how to vote on a ballot measure, you can:

  • Ask knowledge friends, co-workers, and relatives.
  • Read the pro and con statements in your state and local voters’ guides.
  • Visit the Web sites for the ballot measures.
  • Review newspaper endorsements. However, as with candidates, be careful as some newspaper endorsements reflect the interests of the business community rather than consumer interests.
  • Visit the Web site of interest groups who may have a position on the issue.

Good luck if you’re just beginning your research. Don’t be intimidated if your ballot is long. With the Internet, it easier than it’s ever been to gather information on candidates and issues.

Remember, it’s best to make the decisions in advance and not in the voting booth. Take a sample ballot with you so you can fill out your ballot quickly.

Enjoy voting and be sure to celebrate your investment in democracy and the public process when you’re finished.

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Spruce Up the Love Nest! - Shift2Sexy Part 7

Posted by JudithA on October 24th, 2008

by Judith Auslander, Life Coach of the Wise Heart Coaching fame

Last post we talked about how to create atmosphere in the bedroom.  In this final post on the series, we will continue this with some great ideas I found on the Internet.  Are you ready to create romance?

  • Paint or wallpaper your walls an exciting color – walls do not have to be eggshell white.
  • Find some provocative fun paintings for your room.  According to The Secret movie, if you want a mate, surround yourself with art of two people together – best if they are kissing or facing each other.
  • Get rid of the old, dusty blinds and replace them with lacy panels
  • Add candles, softer lights, bedside lamps, for that dimmed light look.
  • If your mattress is old and sunk in – invest in a new one – your back will hurt a lot less.  And king size it!
  • Add flowers and plants such as ferns. 
  • Add pillows that can be used for fun as well as decoration.

Trust me when I tell you that if you want to create romance, make sure the atmosphere is romantic.  The bedroom ought to be a sacred spot where you go to rekindle romance and to rest your head. 

Now, for that special night, here are some tips!

  • Take a bath in oils so that you smell great and your skin is soft and slippery
  • Avoid perfumes as they often cause sneezing or plugged sinuses – unless you happen to know your lover is into your perfume.
  • Wear something that makes you feel sexy – feeling sexy is an important part of romance – and make sure it is easy for your lover to take off.  This may be a good time for the Passionate Purple Panties!
  •  Make it fun – have flower petals spread up to the bedroom and into the bed.
  • Have some fun finger food and drink (personally I would avoid alcohol as it often causes sleepiness).
  • Play some soft music
  • Have fun! 

Now, you may be thinking – “Why do I need to do all of this?  Isn’t this more like what they do in the movies – real people don’t do this.”  Well, my suggestion is to try it.  There is nothing to say that your life can’t be like the movies.  See if adding atmosphere does not add to your romance.  It sure can’t hurt!

This is the last in the series.  Please let me know if you enjoyed it, learned from it, want more.

Other posts in this series: 

 

 

 

 

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Love Nest - Shift2Sexy Part 6

Posted by JudithA on October 23rd, 2008

by Judith Auslander, Life Coach of the Wise Heart Coaching fame 

 

In the last post we talked about sex and the senior citizen.  This issue we will talk about your Love Nest.  This will be a two part series. 

Now, this issue is for everyone.  It doesn’t matter if you are in your 20’s or 90’s, you want to have romance, then you want a romantic room.  A couple that I am friends with decided to make their room more “sexy.”  They were in their 30’s and had been married for about 10 years and wanted to add some spice.  So, they went shopping for paint and ended up with a passionate Peptol Bismol bedroom.  Funny it didn’t make them feel sexy at all.  They painted over it.  But they had the right idea – you want to create atmosphere. 

So, how does your room look?  Do you have the treadmill in one corner covered in clothes, the TV on a stand with lots of videos around it, and then of course there is the pile of old newspapers and books to read?  No, no, no – this is not a bedroom; it is a dumping ground for useless material.  A sexy bedroom does not have any of these things. 

Let’s clean it up!

If you Google “sexy bedrooms” you will find they have chandeliers, candles, beautiful fabrics, canopies, flowers or plants, pillows, a touch of elegance, mirrors, settees and chairs.  If they must have a TV – it is placed as a piece of art in the room – not on an old stand or on top of the dresser.  I suggest that you check out sites on sexy bedrooms and see what you can do to enhance yours. 

Final Topic on this series this Friday:  How to spruce up your love nest?

Other posts in this series:

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