Making Informed Choices About Long-Term Care LTC Insurance

As the aging population continues to grow, the importance of planning for long-term care needs becomes increasingly evident. Long-term care insurance is a topic at the forefront of financial discussions, with individuals grappling to understand whether it is a necessary investment. To shed light on this issue, what follows are a few insights from experts in the field.

Why Consider Long-Term Care Insurance?

  1. Financial Security in Retirement: According to the American Association for Long-Term Care Insurance (AALTCI), the cost of long-term care services can be staggering, with nursing home expenses averaging over $100,000 annually. Long-term care insurance provides a safety net, preventing individuals from depleting their savings to cover these costs.
  2. Preserving Assets and Legacy: Jason Fisher, a certified financial planner, emphasizes the asset protection aspect of long-term care insurance. “It’s not just about covering your care expenses; it’s about preserving your hard-earned assets and ensuring a legacy for your loved ones.”
  3. Personalized Care Choices: Mary Johnson, spokesperson for the National Clearinghouse for Long-Term Care Information, notes that long-term care insurance offers flexibility in choosing the type and location of care. “This insurance empowers individuals to receive care in their preferred setting—whether it’s at home, in assisted living, or a nursing facility.”

Why You May Hesitate:

  1. High Premiums and Affordability: Sarah Thompson, a senior financial analyst, cautions that the cost of long-term care insurance can be a barrier for some. “Premiums vary based on age, health status, and coverage, making it essential for individuals to carefully evaluate their budget and weigh the long-term financial commitment.”
  2. Changing Insurance Landscape: The Center for Retirement Research at Boston College highlights the evolving nature of the long-term care insurance market. “Policyholders should be aware of potential rate increases and changes in policy terms, which can impact the perceived stability of their coverage.”
  3. Potential Alternatives: Financial advisor, Mark Turner, suggests exploring alternative solutions such as hybrid life insurance policies or setting aside dedicated savings for long-term care. “It’s important to assess all options and choose the approach that aligns best with your unique circumstances and preferences.”

The decision to invest in long-term care insurance is a nuanced one that requires careful consideration of individual financial goals, health, and risk tolerance. While the potential benefits in terms of financial security and personalized care are evident, the associated costs and changing insurance landscape necessitate a thorough evaluation in case you run into an emergency later in life. As always, consulting with financial advisors and exploring various options remains crucial in making informed decisions about long-term care planning. If I can help you decide on a long-term care policy drop me a line or give me a call and we can continue the discussion.

A New Chapter: The Remarkable Benefits of Turning 65

As individuals reach the milestone of turning 65, they embark on a journey filled with numerous benefits and opportunities that come with this significant age. Far from just a number, reaching 65 opens doors to a range of advantages that can enhance one’s quality of life and well-being.

1. Financial Freedom: One of the most notable perks of turning 65 is eligibility for Medicare, the federal health insurance program primarily for seniors. This coverage helps alleviate the financial burden of medical expenses, ensuring access to essential healthcare services without the worry of exorbitant bills. Additionally, seniors may enjoy other financial benefits, such as pension plans, Social Security, and senior discounts, providing a sense of economic security.

2. Leisure and Travel Opportunities: Retirement often accompanies the age of 65, offering newfound freedom and time to explore the world. Seniors can take advantage of discounted travel options, ranging from cruises to airfare and accommodations. Whether it’s a dream vacation or a spontaneous getaway, the age of 65 grants individuals the chance to indulge in leisurely pursuits they may not have had the time for earlier in life.

3. Pursuing Passions and Hobbies: With the demands of work life behind them, individuals at 65 have the luxury of dedicating more time to their passions and hobbies. Whether it’s painting, gardening, writing, or learning a new skill, the retirement years provide an opportunity for self-discovery and personal fulfillment.

4. Community Engagement and Volunteering: Many retirees find immense joy and purpose in giving back to their communities through volunteering. At 65, individuals can explore various volunteer opportunities, contributing their skills and experiences to make a positive impact on society. Engaging in community service not only benefits others but also enhances the retiree’s sense of fulfillment and connection.

5. Lifelong Learning: Age is no barrier to learning, and turning 65 opens doors to educational opportunities. Many universities and institutions offer discounted or even free courses for seniors, allowing them to pursue intellectual interests and continue learning throughout their retirement years.

6. Emotional Well-Being: The age of 65 often brings a sense of accomplishment and the opportunity to reflect on a life well-lived. This introspection can contribute to improved emotional well-being and a greater appreciation for the simple pleasures of life. Seniors may find themselves more focused on relationships, personal growth, and overall happiness.

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Turning 65 is not just a chronological marker; it represents a gateway to a multitude of benefits and opportunities. From financial security and travel perks to pursuing passions and giving back to the community, the age of 65 is truly a time to savor the rewards of a life well spent. Embracing these opportunities can make the golden years truly golden for individuals entering this exciting chapter of life.

Seize the New Year with a Fresh Attitude: Your Guide to Staying Motivated

As the clock strikes midnight and we bid farewell to the old year, we’re given the opportunity to welcome a fresh start—a chance to embrace a new year with renewed vigor and enthusiasm. The mantra “New Year, New Attitude” becomes a beacon of hope, urging us to leave behind the challenges of the past and step into the future with a positive mindset. In this post, we’ll explore practical tips to help you stay motivated and cultivate a resilient attitude as you embark on the journey of a new year.

Reflect on the Past: Before diving headfirst into the new year, take a moment to reflect on the lessons and experiences of the past year. Acknowledge both the triumphs and the challenges, as they have shaped the person you are today. Use this reflection as a foundation to build upon, understanding that growth often arises from adversity.

Set Realistic Goals: As you embark on the new year, set realistic and achievable goals. Break down larger objectives into smaller, manageable tasks. This approach not only makes your goals more attainable but also provides a sense of accomplishment as you check off each milestone. Celebrate these small victories along the way—they are the building blocks of success.

Create a Vision Board: Visualizing your goals can be a powerful motivator. Consider creating a vision board that showcases your aspirations for the year ahead. Include images, quotes, and affirmations that resonate with your objectives. Placing this board in a visible location serves as a daily reminder of your ambitions, fueling your motivation to take consistent action.

Cultivate a Positive Mindset: A positive mindset is a key ingredient for success. Practice gratitude daily by acknowledging the positive aspects of your life. Surround yourself with uplifting influences, whether it be through supportive relationships, inspiring books, or motivational podcasts. Remember, your attitude is a choice, and choosing positivity can significantly impact your overall well-being.

Stay Flexible: Life is unpredictable, and challenges are inevitable. Staying motivated doesn’t mean avoiding setbacks but rather adapting and overcoming them. Cultivate flexibility in your approach to goals, and be willing to adjust your plans when necessary. A resilient attitude is built on the ability to navigate obstacles with grace and determination.

Establish a Routine: Consistency is a cornerstone of motivation. Establishing a daily routine provides structure and discipline, helping you stay focused on your goals. Whether it’s a morning ritual, an exercise routine, or dedicated work hours, a well-defined routine creates a sense of stability and purpose.

Connect with Like-Minded Individuals: Surround yourself with individuals who share similar goals and aspirations. Connecting with like-minded people provides a support system, fostering motivation and accountability. Share your journey, seek advice, and celebrate each other’s successes. Together, you can create a positive and empowering environment.

As you step into the new year, remember that a new attitude or a new mindset is not about erasing the past but rather about embracing the opportunity for growth and positive change that leads to new results. Stay motivated by reflecting on the past, setting realistic goals, visualizing success, maintaining a positive mindset, staying flexible, establishing a routine, and connecting with supportive individuals. With these tools in your arsenal, you’re well-equipped to make the most of the opportunities that the new year presents. Here’s to a year filled with growth, resilience, and unwavering motivation! And more importantly, here’s to a year of more smiles, so keep smiling cause it really does look good on you!

The Gift of Gratitude: Why Seniors Should Embrace Thanksgiving

As Thanksgiving approaches, a season of gratitude sweeps across the nation. While this sentiment is universal, there’s a unique significance for seniors to embrace the spirit of Thanksgiving. Beyond the traditional feast and family gatherings, this holiday holds a profound opportunity for older adults to reflect on and appreciate the richness of their lives.

  1. Reflection on a Lifetime of Memories: Thanksgiving offers seniors a chance to reflect on a lifetime filled with memories. From the joyous moments to the challenges overcome, each experience has shaped their unique journey. Taking a moment to appreciate these memories can bring a deep sense of fulfillment and gratitude.
  2. Quality Time with Loved Ones: For many seniors, Thanksgiving is a time when family and friends come together. Whether surrounded by children, grandchildren, or lifelong friends, the holiday provides an opportunity to strengthen bonds and create lasting memories. Seniors can be thankful for the warmth and companionship that these connections bring into their lives.
  3. Appreciation for Health and Well-Being: As the years go by, health becomes an even more precious gift. Thanksgiving prompts seniors to express gratitude for the well-being they enjoy, acknowledging the strength and resilience that has carried them through the years. This gratitude can inspire a proactive approach to maintaining and enhancing their health.
  4. A Feast for the Senses: Thanksgiving is a feast not only for the taste buds but for all the senses. The aroma of a delicious meal, the sound of laughter and conversation, the touch of a loved one’s hand—all contribute to a sensory-rich experience. Seniors can be thankful for the ability to savor these moments and find joy in the simple pleasures.
  5. Wisdom and Legacy: Thanksgiving serves as a moment for seniors to share their wisdom and life lessons with younger generations. Whether through stories told around the dinner table or the passing down of family traditions, seniors contribute to the legacy of knowledge and values. This sharing of wisdom can be a source of great pride and gratitude.

As the Thanksgiving season unfolds, seniors have a unique opportunity to embrace gratitude for the richness of their lives. From a lifetime of memories to the joy of family gatherings, the holiday encourages a reflection on the blessings that have shaped their journey. By cultivating a spirit of thankfulness, seniors can find fulfillment in the present moment and look forward to the abundance of experiences that each new day brings.

Things to Consider About Retirement Planning

It’s hard to believe that when I started this blog, I was a single dad not thinking much about my future or potential retirement. Granted I am still a ways off from retirement but as my kid enters his senior year the thought continues to cross my mind especially, as I start a new position within this same industry. Do find yourself asking if you are ready for retirement? Do you have the right plan in place? Will you be able to continue to live the lifestyle that your currently living? Have you done enough to get across the finish line? If you are like me the answer maybe somewhere in the middle between yes and no.

Just like everything in life these days retirement planning is a crucial aspect of ensuring financial security and a comfortable lifestyle during your retirement years. Here are some important things I’ve considered when it comes to my retirement planning and perhaps you should also give them some thought:

  1. Start Early: The earlier you start saving and investing for retirement, the better. Compound interest works in your favor, allowing your investments to grow over time. Starting late might require larger contributions to catch up.
  2. Set Clear Goals: Define your retirement goals and lifestyle expectations. Consider factors like where you want to live, travel plans, healthcare needs, and any hobbies or activities you want to pursue. Having a clear vision will help you determine how much money you’ll need.
  3. Calculate Retirement Income Needs: Estimate how much income you’ll need in retirement. Factor in living expenses, healthcare costs, inflation, and potential unexpected expenses. A common rule of thumb is aiming to replace 70-85% of your pre-retirement income.
  4. Consider Retirement Accounts: Take advantage of tax-advantaged retirement accounts, such as 401(k)s, IRAs, and Roth IRAs. These accounts offer tax benefits and can help your money grow more efficiently over time.
  5. Diversify Investments: Spread your investments across different asset classes (stocks, bonds, real estate, etc.) to reduce risk. Diversification can help protect your portfolio from market fluctuations.
  6. Regularly Review and Adjust: Your financial situation and goals may change over time. Regularly review your retirement plan to ensure it aligns with your evolving circumstances. Adjust your contributions and investment strategy as needed.
  7. Manage Debt: Aim to enter retirement with minimal debt, especially high-interest debt. Paying off debts before retirement can significantly reduce your financial burden during this phase.
  8. Plan for Healthcare Costs: Healthcare expenses tend to rise as you age. Consider purchasing long-term care insurance or factoring in potential medical costs when planning your retirement savings.
  9. Social Security Strategy: Understand how Social Security works and determine the optimal time to start receiving benefits. Delaying benefits can result in larger monthly payments, but you might need to weigh this against your overall financial situation.
  10. Prepare for Inflation: Inflation erodes purchasing power over time. Ensure your retirement plan accounts for inflation to maintain your desired lifestyle.
  11. Create an Estate Plan: Develop an estate plan that includes a will, healthcare directives, and power of attorney. This ensures that your assets are distributed according to your wishes and that you have someone to make decisions if you’re unable to.
  12. Seek Professional Advice: Consulting a financial advisor can provide personalized guidance based on your specific circumstances and goals. They can help you create a retirement plan tailored to your needs.
  13. Stay Informed: Keep yourself updated about changes in tax laws, retirement regulations, and investment trends. Staying informed allows you to make educated decisions that align with your retirement objectives.

Remember that retirement planning is a dynamic process. It’s essential to regularly reassess your plan and make adjustments as needed to ensure you’re on track to achieve your retirement goals. The most important thing is that you start. Like I mentioned, I’ve started a new position helping others plan and reconsider what they are doing for retirement, hence why this subject came to be. I hope you also take the time to evaluate what you are doing to prepare for the future and if not maybe you should start. If I can be of any help or if you have any additional advice, please feel free to reach out or share, as we all continue to help one another. Until next time and as usual keep smiling cause it really does look good on you.

With Every Ending there is a NEW Beginning?

What is it they say? “With every beginning, there comes an end” or “with every ending new-beginningcomes a new beginning.” Just like I mentioned in a previous post “everything happens for a reason” or “it is what it is” I have to say that this so called all good things must come to an end also has to be true? Or is it? How do we know when things are coming to end then? What are the signs? Does this also apply to our relationships, education, career, etc.? Or is this saying just the cycle of life and products? Over the last week and if not the entire year, I have been asking myself this and many similar questions. Why? Well over the last year, I have started to pay greater attention to detail and the shelf life of many things including that of my relationships, career objectives, milk, groceries, vehicle, etc. Why if this saying isn’t true, do most things we purchase and consume have an expiatory date? It seems that YES, most things (if not all) have a beginning and an end? Or all good things must come to an end?

So how do we determine what exactly the beginning and/or end is? The obvious is we are born and then we die… YES? How about relationships or your career? If you are young or old you have probably noticed that, most relationships and your job, regardless of how you meet or the job you’re in all have trends. These trends usually go something like this… awesome beginning (honeymoon), an okay middle (comfort zone), and really bad endings (the dreaded unknown). In my life and regardless of whether in a relationship or career these trends seem to always go the same way but unlike the cycle of life (ending in death), I am still alive, kicking, and in the end have come out the other side as better person. I am a better father, a better man with the woman I love, and I am a better man in the job I am in. Does this then mean that we all should embrace change, new beginnings, and endings to things? Or is it just me? Do we need to give more chances to others, our partners, and career paths fostering and/or focusing more on the middle stage(s)?

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Let’s face it, the beginning of anything is downright scary just like my kid changing schools this year. On the flipside, the end is just as scary if not more! Starting something new or letting go of something you care about is extremely hard whether it is a relationship or your career. However, what I have learned over the years (especially raising my son, in relationships, and jobs) is that both beginnings and endings are a necessity of life, just as we are born and we die. In order for us to remain active, happy, and healthy, we must allow ourselves the opportunity for new beginnings in our relationships and jobs, just like we must allow ourselves the opportunity for endings, so we can create more beginnings. This my friends is what we must do because if nothing ever came to an end, nothing could ever begin. Without scary endings and new beginnings, I wouldn’t be the same person I am now just like I know you are. In fact, I couldn’t be happier at how things have turned out in my life with my son, my relationship, and career. Although I can’t say for sure how long I will be in this NEW middle part of my life (hopefully until I die), I can honestly say… For every ending, there is an even greater beginning. Don’t be afraid of endings and surely don’t let yourself be afraid of new beginnings.

Thoughts? If you have any, please feel free to leave your comments here, reach out to me online or in person, and/or through any of my other online mediums. Until next time my friends keep smiling, embrace those you’re with, do away with things stressing you out, and for heaven’s sake create some new beginnings already.

Do Simple “Experiences” Create the Most Long-Term “Memories”

memoryIs wondering why it is that most things we do personally or with our children have to be planned out? Do you ever find or catch yourself creating way to many lists for future endeavors, work, events, shopping, meals, tasks, etc., or better yet do you ever find yourself creating these same lists for your child(ren) future life? Why is it that we all have to plan so much? Is it me or were some of your earliest memories in life or as a child, experiences of things that were left unplanned? Or did you have to go to some fancy place or do something extraordinary in order to have a clear memory ingrained in your life long DNA?

As I continue to grow older and especially now as a parent (single parent), I am continually, asking myself questions such as these, as I continue to provide advice and guidance to my little one. In fact, me and my little guy get out and do a lot of things (experiences) that I truly believe help create (memories) that will last a life time. However and as I have said in previous posts, I believe that some of my own and my son’s best memories are those experiences that are as simple as throwing a ball, doing household chores, or reading together. As parents, I believe that we all have the ability to create positive and happy present day experiences in life that will turn into some of the most impressionable and future memories for our young ones all without having to be rich or attend events that we think are leaving long term memories entrenched into our little ones memory bank. Yes?

The fact is almost all the “experiences” that our children encounter daily, weekly, or monthly are helping our children create “memories” that will help them later in life as an adult. All too often, I see others preparing themselves and their little ones for what others want them to be, not what they want to be. We as individuals and parents have great control over our lives “yes” but at least let us use that power appropriately and not use it to create present undue stress or control over our children’s lives. Life is already difficult enough without the added pressure that we place on ourselves at home, work, or at school. Maybe and just maybe if we dumb things down a bit and enjoy more of the simple everyday “experiences,” we would remember many more past experiences that helped up produce some of our best “memories.”

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I know that there are a million and one ways we can all dumb things down but here are three things we can all do today that aren’t subject to unseen future events.

1) Money, trips, and expensive events are not the only things that we should need to do in order to have experience that turn into a long-term memory. Being extravagant is such a big misconception and perhaps one of the most common things I see daily. So, we all need to do a better job at enjoying present day experiences, as we don’t need to spend so much time and money dazzling ourselves and little ones. Instead, we all need to appreciate more the small windows of time we are given with each other and just simply enjoy ourselves and children unconditionally.

2) Rituals are perfect for creating experiences that turn into long-term memories. There are probably endless “experiences” you and/or your family does weekly, monthly, or yearly (i.e. holidays, birthdays, festivals, etc) that help you create lasting “memories.” Instead of waiting for these big events, how about creating new rituals “experiences” such as Friday night pizza, Saturday morning breakfast, or Sunday night wrap of the week to create more long-term “memories?”

3) Finally yet importantly, we all need to do a better job at reinforcing all the positive experiences in our everyday lives. My son and I do this almost every day. Instead of discussing with others the negative things that happened today, why don’t you remember the positive things more by simply discussing the positive “experiences” you had that will ultimately become lasting “memories, not the negative ones. This can be as simple as creating a scrapbook, using social media, or simply writing more positive “experiences” down, so you can train yourself, brain, and little ones to notice these positive experiences, so you can have more positive long-term “memories.”

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Creating everyday “experiences” that turn into long-term “memories” are simple and super important in our lives, as well as our children and others we touch. By using positive reinforcements in your daily life, you will find that you are laying down tile that will last a lifetime, not just carpet that will eventually be destroyed. We all owe it to ourselves and little ones to lead with the good not follow with the bad. I can’t remember all those expensive or fancy things I did as a child but I do have a vivid memory of all those experiences as simple as building a camp, riding my bike, or just simply spending time with my parents, what says you? What experiences in the past do you remember most that you have preserved in your long-term memory bank? Feel free to reach out here, personally, or any of my other social sites with your feedback, as I have said before… it takes an army, not just a team to accomplish more. Otherwise, thanks for stopping by and until next time… KEEP SMILING

What are you creating in Life, LESSONs or RECIPES?

Do you ever wake up in the morning and wonder and/or think about the lessons others have taught you in life? If so, how have the lessons you learned at a young or older age continuing to influence your life so far? As with most things happening or have happened in my own life, I continually find myself reflecting back to things others have taught me most mornings, as these lessons are now helping me teach my own child lessons of his own. On that note, I recently came across a book published last year by the Andersons who are teachers in Michigan titled “Liam’s Fishing Lesson With Grandpa: Life Lessons of Liam and Lila,” that reminds me about some of the important life lessons we are taught but may or may not remember early in life. Needless to say, with any of my posts, there is nothing more that I love to do further than to point readers like you in the direction of other works, writings, and social posts so, you “like me” can continue to teach others (especially our children) about the true lessons of life.

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Additionally, as I continue to build my life around the lessons I have learned, I am also continuing to build this site with quality content and reviews. This is exactly what the Anderson’s book does and represents. The couples book is fictional and tells a real-life story about a young boy who one day decides he would like to go fishing with his grandpa in hopes of reeling in that big catch, which I believe we all are doing every day of our lives whether we are fishing or not… Hoping to reel in that big catch huh? Of course and with any adventure or lesson of life it isn’t always about the result. Rather and wouldn’t you agree that the lesson(s) we learn along the way is/are about… along the way, which this story demonstrates so well by using science, imagination, and illustrations to teach the little ones who at some point may or may not want to look back on the lessons others have taught them in order to teach others. Let us just hope they do for now. Furthermore, this story solidifies the lessons learned with a real life ecology (diagram) project, which the authors also made available in video format via YouTube, which of course… you can Do-It-Yourself (DIY)… Good stuff!

Nonetheless, with any story or lesson in life, they all must come to end or do they? Whether you decide to continue the adventure today by reading this fascinating book with your little ones (wouldn’t recommend it for those under 8) or end the lesson of any other day… that choice is completely up to you. However, remember if you continue the story, the food will still be there for you to eat later, and if you decide to end the lesson or story you need to still fire up that grill to cook the lesson. Or, in other words, fire up your imagination this weekend or any other week/weekend for that matter in order to create more long-term lessons and memories. Oh ya, that reminds me if you decide to read this story (you and your little ones 8+) the authors also leave you with a recipe at the end, which Liam uses to prepare that big one caught earlier in the day. What a perfect way to end a lesson or story especially now that we are well into the heat of summer. What do you think? Are you creating life lessons that your or other children can build upon or look back at or are you just simply creating a lesson to make a meal for that day? Whatever you are doing in life, I hope this story (get the book already) and post helps you realize what roles you and I need to play in order to create additional lessons and memories for ourselves and others we touch along the way.

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As with any/all of my posts, I would love to hear your thoughts and or opinions. Not to mention, if you want to connect further with the authors of this book do so via their Facebook page or connecting further with me on any of my/your social sites. Thanks again for stopping by and as usual until next time… KEEP SMILING  ╍●‿●╍

Do we EVER really find what it is we are looking FOR?

Here you have it: People who know what they are looking for in life are the ones who actually make an effort to figure out what they really want in their life. Say what? In other words, do you find yourself genuinely satisfied or dissatisfied with yourself, income, home, and/or relationship if you’re in one? Even if you are happy with these things, are you consistently finding yourself looking for something better whether it is new landscaping inside or outside your house, a new recipe, job, car, friends, etc.? Do you find that you spend entirely too much time in your life trying to keep up with others, which cuts into your own happiness? I ask again… do you/we ever really find what it is we are looking for in life?

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I will be the first to tell you that are own human nature does not allow us to be content and if you are then lying to yourself, you’re not pushing yourself hard enough to get more, or you just might be content with the status quo. But how can anyone possibly be content with the status quo? Seriously? I’m not saying that there is not a way to be content or people cannot be satisfied in life with what they have, instead I’m saying that most of us blame and/or pretend that other people in our lives are the ones that cause us to be dissatisfied. Make since? Does dissatisfaction actually help create satisfaction? Or does unhappiness actually help create happiness?

“Happiness is not a goal…it’s a by-product of a life well lived.” ― Eleanor Roosevelt

Over the years, I have learned that satisfaction, happiness, or finding what it is we are really looking for is in fact the by-product of living well just like Eleanor Roosevelt stated. We all have the right to be happy and we are the only ones getting in our own way of being satisfied or finding what we are truly looking for. As I continue to age, I am continuing to find what I am truly looking for in life, as my dissatisfaction with many things has indeed helped me to develop, improve, build, and accomplish many more things that I necessarily would not have. In other words and in as simple of a form I can state is that my dissatisfaction in life has indeed created satisfaction in my life. You?

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So, there you have it. Will you ever find what it is that you are looking for? Will you always be dissatisfied with the decisions you make/made or will you actually find what it is you are looking for and become satisfied with the things you do have? You graduated from school, got the degree or degrees, found the job, house, friends, and partner you desired. You have indeed found what you are looking for in life, so stop trying to tell yourself that you have not! Instead of creating doubt or unhappiness today, start creating satisfaction and happiness by embracing the things that you do have in your life (especially our children), as this simple suggestion will not only brighten your own outlook on life but also the outlook others have on their our lives. What is it they say? Happiness or unhappiness is contagious, so let’s all do a better job at transmitting happiness in our own lives, thus creating happiness in others. As always and with any of my articles, I hope you enjoyed it, look forward to your opinions here or on any of my other social sites, and your help spreading this or any of my other works with others. Moreover, until next time, and like always remember to KEEP SMILING, as it really does look good on you (>‿◠)✌

CHANGE is the One Thing We Can ALWAYS Count On

ChangesEven though there are a million and one ways to describe a happy family there is not a universal way to describe the change(s) you and/or your family will go through. In fact, the one thing that is constant in our lives and that we all can be sure of is that… things will change. Yes, this may mean things will change for the better or they might change for the worse, as more and more people struggle to balance life, work, and the needs of their family and/or lives.

It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change. Charles Darwin (1809-1882) English Naturalist

Ever since I was a young boy, I have never been afraid of change. Whether it was going to school, meeting new people, or going to new places I have embraced the changing landscape of my life, which is true to this very moment. However, it wasn’t until yesterday (my niece inspired me to think about this in her Facebook post) that I truly realized that change in my life is the one thing I count on and really look forward to the most. Even though my changing life has had both positive and negative aspects to it, for the most part it has been the negative aspects that have inspired me the most to embrace change further. Yes, I did say negative, since if I never had a negative experience I would have never moved from Michigan to Florida, gotten married/divorced, earned my Bachelor, Masters, or Doctorate, or even became a “Single Dad!”

Change is the law of life. And those who look only to the past or present are certain to miss the future. John F. Kennedy (1917-1963) Thirty-fifth President of the USA

Why then if “change is the law of life,” are so many people often frightened of change? Why don’t more people embrace changes in things such as technology, their lives, careers, or their family structure? Instead of thinking of change as a negative why, don’t we start to use the negative aspects of change as positive motivations for additional change? If you are anything like me you shouldn’t be afraid of change or failing (trust me it as it seems I have failed more than anyone I know) nor should you value other people’s opinions of change more than your own opinion of change. Don’t look at your disappointments in life as negative aspects of change but rather positive motivations for your long-term success(es).

To improve is to change; to be perfect is to change often. Winston Churchill (1874-1965) British politician.

Whether you are single, a cohesive family unit, or even a single parent if you want to be happier why don’t you give change a chance when it comes to advancing yourself, career, or raising healthy/happy children? As a single dad myself, I now realize this more than ever, as change has been the one thing constant enough in my life to help me build additional self-confidence, relationships, and my career even though these things may not had been the things I had always dreamed of. In order to further inspire myself and perhaps you through additional change here are a few things I do/have done over my life to embrace change.

1. Realize that your career and life will consistently change- The economy, people, and your career will change. Instead of feeling sorry about the situation, embrace it and adjust yourself to these changes.
2. Relieve your past experiences- Whether you are looking at positive or negative changes try to mold your future around them. Considering both positive and negative changes in your life will help you avoid these same changes later in life (perhaps this is more easily said then done?)
3. Take note of both positive and negative changes- Perhaps the best thing to do with anything or in this case, change in life is to write them down (i.e. positives and negatives). This should be as easy as starting or maintaining a journal or better yet with the advent of social media use Twitter, Facebook, or anyone of the other social sites to track your changes in your career or family. Remember documenting something in better than nothing in this aspect.

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Everyone whether you are young or old in a relationship or going it alone deserves to live a strong, happy, healthy, and successful life. If you identify both negative and positive changes in your past, perhaps you can do more to shape your future, while molding these changes into motivation that will help you change yourself or others you touch additionally. Remember if you have children to share with them not only the positive changes in your life but also the negative changes, as this also gives are beloved little ones the ammunition they will also need to embrace both the positive and negative changes in their own futures. As with any/all articles I write I would love your thoughts and/or your sharing/connecting further of this article on any of my/your social sites. Thanks again for stopping by and as usual until next time… KEEP SMILING ≧✯◡✯≦✌