AARP News

AARP - Finance

Facts About Older Workers

• In 2008, 6 million Americans aged 65 and older were in the labour force (working or actively seeking work), including 3.3 million men and 2.7 million women.
• According to AARP, of the 11.1 million unemployed in the U.S., 1.4 million were at least 55 years old.
• The December unemployment rate for the 55-plus workforce was the highest monthly rate since October 1992.
• The number of older workers classified as "discouraged" (no longer looking for work) by the Bureau of Lab or Statistics has nearly tripled from December 2007 to December 2008, rising from 53,000 to 154,000.
• Studies have shown that, after layoffs, older workers tend to be rehired at a slower rate. Many face significant pay cuts to return to the workforce.
• The median weekly earnings of workers 65-plus in 2007 was $605 or 13 percent less than the total workforce.

Source: National Council on Aging

This is certainly a worrying time for AARP members especially those without saving or who are faced with negative equity from their homes. So what can baby boomers do to alleviate the situation.

Well a growing number already communicate via the Internet and perhaps this is an area which can provide a solution for their problems by working from home'

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Weight Loss

weight loss diet tips that can be followed anywhere, everyday:

1. Consult the doctor before beginning an exercise or weight loss program.
2. Look for a weight loss “buddy,” club, or support mates. This will motivate you to stay and enjoy your weight loss program.
3. Though it’s hard at first, try not eating 3 hours or more before bedtime.
4. Do not skip meals. Skipping meals slicks the body into slowing down the metabolism, attempting to conserve calories during a period where limited fats and fuel are available. Remember that eating increases the metabolism.
5. Eat before you go food shopping and always prepare a shopping list. Only buy food which relates to your weekly menu plan and don’t be tempted to buy goodies.
6. Eight hours after waking up, our metabolism slows down that is why 30 minutes of exercise before dinner will increase the metabolism for about two to three hours. This produces an increase in burned fat even hours after the work out is over.
7. Good cooking and healthy eating begins with learning about nutrition and how to prepare healthy recipes
8. Stuff vegetables like capsicum and zucchini with flavoured fillings or minced chicken, white meat or fish. These are healthy and contain low fat.
9. Take pita bread roll ups or wraps with salad fillings.
10. Add alfalfa or mung beans to salad to get extra iron.
11. Learn how to make the family favourite recipes and make sure that fats, salt, and sugar are cut out. Substitute non-fat yogurt for cream, stir-fry without oil and use herbs and spices instead of salt to taste.
12. Complete three small meals and two snacks everyday instead of one or two huge meals.
13. Use chicken stock when stir-frying. This will cut down on hidden fat.
14. Buy non-toasted muesli instead of the toasted ones. A plate of toasted muesli contains more fat than a plate of bacon and eggs.
15. As much as possible do not remove the skins of fruits and vegetables since most of the nutrients are concentrated under the skin.
16. Warm water with just a squeeze of lemon juice before breakfast get the metabolism going for the day, this also help preventing constipation and is excellent for the skin.
17. One of the best sources of vegetable protein is from soya beans or tofu. All legumes provide some protein, so include lentils, lima beans etc into casseroles and soups.
18. Make pasta a fast food choice - preparing a pasta meal or salad will only take 10-12 minutes.
19. Chilli helps to speed up metabolism - even the milder varieties.
20. Try making omelettes without adding the yolks! A dramatic decrease in fat.
21. Substitute baking soda, baking powder, MSG and soya sauce in cooking.
22. Remove fat by dropping ice cubes into the baking tray. Fat will stick to the ice cubes.
23. Drinking hot water instead of cold water in the morning can increase the speed of your metabolism and burn more calories.
24. Make a delicious low fat mayonnaise by combining one teaspoon of Dijon mustard or satay sauce with a low fat yogurt.
25. Slowly eat and chew each bite during meals as this would decrease one’s appetite.

Remember the secret to Weight Loss is consistency.

To find out how you can lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

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Working From Home - Starting Your Own Business

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Retire In Ten Years

Retire in ten years, is an option when you run an online business. but there is a secret.

Let’s face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any MLM business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.

How do you get past this problem, start your home business, and retire in ten years?

With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle that’s been keeping you from earning the income available in your home based business. But how do you get started?

The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.

Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.

Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.

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Weight Loss

Weight Loss Tricks

Here are some out of the box light hearted ideas for weight loss that you might like to try, no guarantee that they will work, but they only take a few minutes and are a change to the drudgery of dieting.

1. Spinning to balance hormones for rapid weight loss

Balanced hormones are a key to weight loss. Since most people don’t have balanced hormones, most people are fat and have a hard time losing weight. Spinning is increasingly becoming really popular for weight loss due to the fact that it does balance the hormones.

So if you spin around in a circle… much like what kids do naturally, you can unleash your body’s own natural ability to lose weight quickly and efficiently even if you don’t change your diet or exercising. So get spinning! It only takes 15 seconds.

2. Belly rubs for weight loss

To burn off fat deposits from your stomach, rub your hands together for 15 seconds (to generate friction heat) and then rub small circles around the belly button.

Do this for 25-40 seconds each time and for a few minutes twice a day. This works because of the heat… it attacks the fat cells. To put a picture to it, basically the fat cells get zapped and loosen up and get shuttled out of your body.

3. Eat apples

Ok, ok, this isn’t anything new or exciting like the above 2 tips. I know, but that doesn’t mean eating 2-3 apples a day doesn’t significantly help with weight loss. IT DOES!

You can literally lose a few pounds a month with just this tip alone. So why wouldn’t you take every opportunity to get rid of every extra pound that you can? So why not cheat weight loss and use these weight loss tricks so you can start making your extra weight disappear without much effort at all?

To find out how to lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

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TriVita - Success

  Meet Precious - a TriVita Member since 2003. She’s had a positive experience with several TriVita products and now she’s referring more and doing great!

Precious (left) & her daughter

Personal Stats:
Name: Precious D.
Location: Bloomington, IN
Age: 55  Occupation: A licensed LPN

Favourite Products:

• Sublingual B-12, B-6 & Folic Acid
• Adaptogen 10 Plus
• Gingko Biloba

Product Story:
Precious’s great success with Sublingual B-12 has allowed her to recommend TriVita to both family and friends. “My 27-year-old daughter is also a regular user of TriVita Sublingual B-12,” Precious remarks. “It has really helped with a medical condition. She is also an opera singer and takes Adaptogen 10 Plus to deal with a very stressful life. It works wonders and she loves the products.”

Referring Activity:
Precious had 11 referred accounts as of October 2008. The Refer & Win Celebration encouraged her to refer even more. Her tremendous success has also earned her Gift Cards and compensation checks. “I am so thankful for those extra rewards.”

She is also thankful for what TriVita products have done for her friends. Precious recommended VisionGuard to her dear friend, Deborah, who was having glaucoma problems. The doctor started Deborah on medication which gave her dark circles under her eyes. Precious then suggested VisionGuard to her. After only a month Deborah's doctor observed a big improvement in her eyes. Deborah told the doctor about VisionGuard and he asked her to bring more information to him. She is on her second month with VisionGuard and is absolutely thrilled with the results. Because of Deborah’s success with VisionGuard, Precious’s brother is now making it a part of his regimen.

She has her own agency called Nurse Angels, where she assists people with health-related issues. Through Nurse Angels, she is able to recommend TriVita products to people who can benefit from them and show them the way to health and wellness. Precious is also going to school to become a Registered Nurse. “My great referral success has earned me fantastic rewards,” she says. “Better yet, I have the satisfaction of helping improve people’s lives.”

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AARP Finance

AARP - Finance

The UK has reduced its Interest rate to 1.0% as expected but this is a twin bladed sword because saving rates have also reduced which effect many retired people.

There is also a glimmer of hope in the UK housing market based on a recent survey, it seems that houses prices have reached a level where first time buyers are prepared to enter the market, provided they can obtain loans to borrow between 3-4 times their income. At the moment it looks like the housing market will improve ahead of the USA, where investors are still looking for the market to fall by a further 20% or more mortgage rates are rising

Last week, when the average 30-year fixed mortgage rate was 5.48%, a $200,000 loan would have carried a monthly payment of $1,133.07, according to Bankrate.com. With the average rate now 5.70%, the monthly payment for the same size loan would be $1,160.80, a difference of nearly $28 per month.

In the USA the senates debate on the economic stimulus plan is due to conclude on Friday morning and it is expected that the funding requirement will be reduced to help the budget deficit.

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Retire In Ten Years

AARP Plan To Retire in Ten Years

The word retirement is not something of much concern when people are young. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.

All the financial upheaval at the moment is taking us back to the time when retirement did not exist, people worked until they died. Relying on state benefits and retirement plans can be seen not to be wise, ask anyone who has a 401(k) plan about their retirement plans now and their dream has been taken away.

If you are serious about retiring you need to start planning early to create wealth. Little things such as buying groceries from the supermarket instead of the local convenience store since items are much cheaper there. A person can also buy generic stuff instead of designer products that are of equal quality. The money saved is a start and in time, can go a long way due to compounding.

The best way to plan to retire in ten years, is to have full control of your wealth creation process and one way to do this is to run your own business and take full control of the situation. There are markets and opportunities out there which will allow you to retire in ten years, and they do not rely on stock or shares or insurance policies to fund your retirement.

The ideal plan to retire in ten years is to reinvest all income back into your business for a period of ten years and over that period of time the compound affect can then provide you with an ongoing monthly income from your business.

You need to be strong willed to reach you goal to retire in ten years, most people fail because they would rather spend the profit rather than feed it back into their business.

The question is do you have the belief that you can retire in ten years, if so please feel free to contact me.

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Weight Loss

You have made the decision that you can improve your health by starting a weight loss diet. But, you know from past experience that it is difficult to work out exactly what you can eat and what food and drink you need to avoid.

The common weight loss dieting tips are cutting out items such as sugar, and fizzy drinks But what about other foods? Are there certain foods we are avoiding when in fact they could be beneficial to our weight loss? The answer to that question is yes. In this short weight loss article I will discuss several dieting blunders which many people fall victim to.

One of the first mistakes that many people make is cutting dairy products out of their diet. A lot of people who are on a weight loss diet stay away from milk, yogurt, butter, as well as other calcium rich products. That is a big mistake. Recent research suggests that the human body burns more fat when it gets enough calcium and it produces more fat when it does not get an adequate amount of calcium. That is why it is wise to consume low fat milk, cheese, and yogurt.

Another weight loss blunder we make is skipping breakfast. Many people feel that skipping breakfast is the best way to decrease our calorie intake for the day. Little do we know that by missing this important meal we are much more likely to snack throughout the day and eat a rather large lunch. Since we miss breakfast we are stricken by hunger for majority of the morning which easily leads to unhealthy snacking. The calories which we eat while munching on junk food quickly add up and exceed those which we skipped by missing breakfast. So as you can see quick weight loss is attainable as long as you stay away from these dieting blunders. There are even all natural weight loss capsules and herbal remedies to help you along the way.

To find out how to lose weight the safe way Click Here, or to receive my FREE weight loss Report Click Here or if you want a Free Fast Track To Weight Loss DVD Click Here

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Financial News

AARP Finance

Interest rates in the UK are expected to fall again this week as a measure to bolster the failing economy. The spectre of Deflation is looming in the background.

Howard Archer, chief UK and European economist at IHS Global Insight, said the Bank was "under severe pressure" to cut rates by another half percentage point.
"With GDP suffering its largest drop for nearly 30 years in the fourth quarter of 2008, latest data and survey evidence largely reinforcing belief that the economy is poised to suffer in 2009 the largest single year contraction since the Second World War, credit conditions remaining extremely tight, and a period of deflation highly possible in the second half of this year, the pressure on the Bank of England to act is intense," he said.

The USA is little better of having already reduced rates and awaits the approval of the financial stimulus plan later this month

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