Bloggers

Do Not Disturb!

Most nights I have a terrible time falling asleep. My mind is never fully at rest. I turn on my ceiling fan…winter and summer…punch my pillow to mold it into my neck, pull up my quilt, get into position and close my eyes. It’s then I remember I have to phone Cynthia with directions to the restaurant we’re meeting at on Wednesday, work on a Letter o...Read More

10 Hours

10 Hours – The total length of time I spent in the Emergency Room at Newton Memorial Hospital. Four of those hours I sat in the outer waiting room where my complaint of being unable to breath was accepted as trivial compared to that of the man who walked in carrying his finger in a jar. Three of those hours were spent on my back, on what the ...Read More

My Case for Financial Assets – by Billy Kaderli

When I was a stock broker in California – one of the hottest housing markets in the US – real-estate was my competition. “Everyone” was making money in real-estate so why would they invest in the stock market? I needed an angle I went to the Board of Realtors and got prices for 2-3 and 4 bedroom homes in the area, both at the current pr...Read More

Where Do I Buy It? NOW!

My neighbor yelled at me because I put the garbage out two hours early. The guy behind me in a shiny black Dodge Ram honked at me because I stopped at a stop sign. The woman next in line in the supermarket growled because I was too slow digging out my credit card. Disgraced. Merriam-Webster defines disgraced as a source of shame – losing favor or s...Read More

Do You REALLY Need $2 Million to Retire?

Billy and I like to keep informed about the topic of retirement from the perspective of money managers and those in the financial fields. Many of these pieces proclaim that you must save enough in your investments to throw off 80% of your current annual salary so that you can afford a comfortable life away from a job. Lots of them will say that you...Read More

What Is Financial Independence?

Financial independence is that moment when you have enough invested assets to live the lifestyle you want for the rest of your life. You can choose to continue working or not, but you are no longer dependent on a paycheck to live your lifestyle, or to cover your expenses. Financial independence is freedom. You are not chained to a job you dislike, ...Read More

Chew on This . . . Gently

Remember the good old days of Bazooka bubble gum and corn-on-the-cob? When the tooth fairy liked you? Today many of our 32 permanent choppers have aged into dazzling fake news called crowns, implants, veneers, and bridges. They have fighting names like wisdom (if you still have any), incisors, and canines. We brush, floss, and whiten our treasured ...Read More

7 Common Meds That’ll Up Your Risk of Breaking Your Bones!

Do you know how strong your bones are? Most people don’t…unless you’ve had a bone density. That’s a type of x-ray called DEXA that compares the density of your bones to a know population of women so you know if your bones are strong, or are losing calcium at a rate that increases your risk of a bone fracture. It’s information you should know.  Why?...Read More

When We Lose Our Parent(s) – Here’s 7 Tips for Coping

There is no easy way to deal with the loss of a parent. They’ve literally know us our whole lives and for most of us, they provided unconditional love. Unfortunately, it’s part of the life cycle most of us have to deal with. I know when my dad died, it was a huge loss. Recently, a colleague of mine lost her father and asked me if I had any advice f...Read More

Retirement – Making It Meaningful!

At various times in our lives all of us come to a fork in the road – that place where we need to make a decision about where we want to go for our future. Picking a career, choosing a spouse, or determining whether or not to have children are examples of these significant junctures. We think that choosing to retire early rather than working f...Read More

Smile! It’s a Good Hair Day.

  Flow it, show it Long as God can grow it My hair -Refrain from “Hair”   Remember the good old days of Hair and The Age of Aquarius? When hair was an act of rebellion? Some things never change. Hair (or lack of it) helps shape who we are. 13th century Lady Godiva rode her horse through the streets of Coventry, dressed only in her long hair. R...Read More

Could You Become Car-Free?

It wasn’t a decision we took lightly. In fact, Billy and I discussed the idea of becoming car-free for several years. There were good reasons to do it: no more maintenance and repair costs; no more fees for insurance, license plate renewal, or registration; no more fuel expense; and no more worry about storing the vehicle here in the States w...Read More

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