Friday, October 28, 2011

How to Retire Happy: The 12 Most Important Decisions You Must Make Before You Retire, Third Edition

"Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book, How to Retire Happy, now in its third edition. Stan was a Washington Post financial reporter for 20 years, and after he retired, he wrote the Post’s 'Retirement Journal' column for which he was nominated for a Pulitzer Prize. What I like about Stan’s book is that it combines good financial planning information with his story about his own retirement. He’s candid about the mistakes he made and how he’d do things differently with the benefit of hindsight."
--Steve Vernon, columnist, CBSMoneyWatch.com
“Everyone in the workforce today should read this book!”
—Horace B. Deets, former Executive Director, AARP
Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy helps you decide if you can retire now, or whether you have to stay on the job for a few more years.
This trusted guide has been fully updated to address the stomachchurning issues created by financial market volatility and the economic recession.
Will you have enough money for health care? Do you need—and can you afford—a longterm care policy? How much income can your savings produce?
The third edition of How to Retire Happy provides answers to these questions—plus all-new information about:
  • A new menu of Medigap insurance policies
  • New strategies for maximizing Social Security income
  • Making your money last through a long retirement
Apply Hinden’s reliable, easy-to-understand advice and experience a happy, healthful retirement for years and years to come.
Price: $18.95
Click here to buy from Amazon

Investing Money in Plain English

Common Craft explains in simple and understandable terms both the risks and potential benefits of investing and how it compares to a savings account.

This book, like all Common Craft Kindle Books, is presented in the Paperworks style - about 35 pages of very short and simple explanations along with paper cutouts and whiteboard illustrations.

These Kindle Books are designed to provide a starting point for further learning. Common Craft's goal is to make complex things easier to understand.
Price: $2.49

Click here to buy from Amazon

How to Retire Happy : The 12 Most Important Decisions You Must Make Before You Retire, Third Edition (How to Retire Happy: The 12 Most Important Decisions You)

Everyone in the workforce today should read this book! Horace B. Deets former Executive Director AARP Award-winning Washington Post retirement columnist Stan Hindens bestselling How toRetire Happy helps you decide if you can retire now, or whether you have to stay on the jobfor a few more years. This trusted guide has been fully updated to address the stomachchurningissues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need and can you afford a longtermcare policy? How much income can your savings produce? The third edition of Howto Retire Happy provides answers to these questions plus all new information about A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hindens reliable, easy to understand advice and experience a happy, healthfulretirement for years and years to come.
Price: $18.95

Click here to buy from Amazon

Thursday, October 27, 2011

Okanagan Valley

Okanagan in Focus' proudly presents the unique way to experience Okanagan living, Okanagan life and travel throughout the cities and lakes in the valley. Located in western Canada, in the province of British Columbia. The Okanagan valley begins in south central British Columbia, on the border with Washington State, USA and snakes its way north approximately 150 kilometres north to the city of Armstrong.
The border town of Osoyoos has a southwest, North American look and feel. The Okanagan valley area is a major draw for Okanagan living in British Columbians... other Canadians and many International visitors would like the Okanagan living experience. The cities, lakes, mountains and rivers in semi-desert conditions are everywhere to enjoy. The flora and fauna are unique to this area, including cactus, sagebrush, rattlesnakes, skinks and various other reptiles. Plus orchards and vineyards on nearly every hillside make this a great place for Okanagan living and life in the valley.
'Wine Capital of Canada', these vineyards must stand up to the test and they do exactly that. Canada's Okanagan vineyards are ubiquitous, and some of the best up-and-coming wines are being developed right here. The wine industry is still in its maturing stage, but... it is growing in size and recognition in the wine world. That makes Okanagan living good.
Birdwatchers Unite! Winding further north on the highway passing so many lakes and rivers, we arrive at Okanagan Falls at the south end of the beautiful Skaha Lake...a quaint and picturesque setting and a popular retirement and tourist area. Small home based businesses sell their wares at the farmers market. Local food and gift shops fill the downtown area. By the way birdwatchers, you will be glad you brought your camera equipment with you.
'The Working Pulse of the Okanagan Valley' Kelowna is the next stop, it is approximately in the middle of the valley. Kelowna has a very walkable downtown area to the many interesting venues. Lots of accomodations, restaurants and entertainment. The lakeside park with a beautiful sandy beach is steps from downtown. Kelowna is the largest of the valley towns and everything is available there. A good place to really enjoy Okanagan living.
Accomodation can be difficult to secure later in the day or weekends during the summer season. Plan special events...easily done on the internet. Enjoy the seasons, warm summer outdoor activities, like the winter season, ski at one of the 4 olympic class ski resorts. Enjoy!



My name is John Higgins and I have been living int Okanagan Valley for 5 years and it is such an unique place to live. Who would have thought that there is a semi-desert in Canada...the frozen north.
There are a lot of surprises such as rattle snakes, lizards and unique flora and fauna. A great place to live but a great place to visit.
Take a look at things to see and do in the valley. See you soon and hope you can visit my web site at: http://www.okanagan-in-focus.com

Wednesday, October 26, 2011

Property Investing In Bangalore

The increasing number of IT companies in the Silicon Valley of India named as Bangalore, has made the city the fifth best ever upward city in the Asian region. It has become the perfect dwelling place by the natives and also other communities who migrate to Bangalore for employment purpose. This city has a hoard of ITES/BPO and other tech companies giving rise to employment opportunities.
According to statistics, 30% of India's 1 million IT professionals are employed by Bangalore tech companies alone. Therefore Bangalore property has become the fourth unsurpassed IT center in the world. Due to its pleasant climate and pleasing atmosphere, many settle down in the city in their post retirement. Lakes and gardens are a natural attraction that the city is blessed with and hence it is called the Garden City of India properties.
The MG road and the Brigade road reflect the lifestyle and the speedy modifications in style and fashion with which Bangalore is growing. This is the reason why it is favoured by the younger generation making it the Fashion Capital of India. As a result the property market is on its peak in the current years.
Investment in Bangalore properties
India is a budding economy and the FDI plans in India are considered most moderate and reasonable for property investment. Investment in Bangalore property can prove most lucrative. It is an excellent investment platform for the Non-Resident Indians (NRIs) as well as the cosmopolitans for commercial reasons as well as those looking to settle down in Bangalore. Apart from IT companies, Bangalore also is famous for high grade Universities and world class hospitals. Students across the world come to pursue engineering, medicine, management, and mass communications. People across India as well as from other parts of the world seek medical treatment in the hospitals. These remarkable realities attracts the investors to invest in Bangalore real estate.
Students, job seekers or people coming for treatments who are looking to settle for a short time reside on rental basis. The rental properties comprise of flats, independent houses, bungalows, apartments, paying guest accomodation, etc. A lot of companies provide accomodation to its employees in the form of staff quarters or house rent allowance. For business reasons one can obtain commercial real estate, industry real estate, office gap or retail gap on rent.
There are many good builders top builders offering budget homes and luxury homes as well. There are a number of commercial and residential projects in the pipeline and the builders and developers are working to meet the ever growing demand.
If you are moving here go to bangalore property

Making Love for a Lifetime: Seniors and Sexuality

We are sexual beings, throughout the lifespan. This includes the later years of life, which are often overlooked in discussions of sexuality. In this article I want to address some misconceptions about aging and sexuality; report some survey information on sexual behavior among seniors; describe physical, psychological and medical changes that may accompany aging; and suggest positive and affirming ways for seniors to continue to enjoy their sexuality to the fullest.
I. Some Myths about Aging and Sexuality
Many cultural "truths" convey the message that sexuality is for

the young. If seniors are interested in sex there is something wrong with that. How many of the following myths and stereotypes have you heard?
- Older people don't have sex, don't want sex, don't think about sex.
- It's perverted for an older person to have sexual thoughts; perhaps he is a "dirty old man".
- Women don't want sex, aren't interested in sex, and are only going along with what men want.
- When you get "old", you can't have sex.
- Sex is for younger adults. (I saw a cross-stitched sampler once which said "Kissing don't last - cooking do".)
- If you can't have sex like a porn star, you have no business trying it at all.
These are all misleading and incorrect stereotypes. It is

important to recognize that sexuality is a central part of healthy living - all our lives!
II. Survey Information: What's Happening Out There?
Three recent national surveys of older Americans have focused on

sexuality and sexual behavior. "Healthy Sexuality and Vital

Aging" (1998) was funded by Pfizer and sponsored by the National

Council on the Aging (NCOA) and surveyed over 1300 people. The

American Association of Retired Persons (AARP) sponsored national surveys in 1999 and again in 2004. "Sexuality at Midlife and Beyond" looked at a nationally representative group of 1700 adults aged 45 and older.
The NCOA survey found that almost half of seniors over sixty are

sexually active; 39% want sex more often. The majority of

respondents reported having sex less often now than when they

were in their forties - 82% of men and 63% of women.
61% of men and 62% of women find sex equal to or more physically

satisfying than it was in their forties. With regard to

emotional satisfaction, 76% of men and 69% of women found sex to

be at least as emotionally satisfying as in their forties.
72% of men and 47% of women consider sex important to their

relationship with their partner. Men, however, were more than

twice as likely as women to report wanting sex more frequently.

This was true in all age segments - even in men 80 and older.
The AARP study found that the proportion of men who've tried

potency-enhancing medicines, hormones, or other treatments has

doubled since 1999. The majority (68%) report the treatments

have increased their sexual satisfaction. Their wives also

reported increased pleasure for themselves.
63% of men and women with partners described themselves as either extremely satisfied or somewhat satisfied with their sex lives. 51% of men and women surveyed reported having sexual thoughts, fantasies, or erotic dreams at least once a week.
50% of women in the 45-49 age range reported that they

masturbate; 20% of women 70 and older said they masturbated. A

majority of all women - even those 70-plus - told AARP that self- stimulation is an important part of sexual pleasure at any age.
Both these surveys, based on scientifically randomized samples,

indicate that seniors are having sex, thinking about sex,

enjoying sex - and taking steps to increase their enjoyment and

pleasure. Clearly sexuality is important to older Americans,

contrary to popular stereotypes!
III. Natural Changes Occurring With Aging
Most of us reading this are not twenty years old any more! Our

bodies are constantly changing - though many of us are in denial. Orthopedic medicine is one of the fastest-growing medical specialities, treating rotator cuff injuries, tennis elbow, injured backs, torn cartilage, blown ACLs - in aging baby

boomers. We're not ready to give it up!
Your body changes as you age, and these changes can affect your

sexual relationships.
A. Physical Changes
Testosterone regulates your sex drive whether you're a man or a

woman. Most aging men and women produce enough testosterone to

maintain their interest in sex, though patches and creams can

provide an alternative source of the hormone to boost desire if

needed.
Men and women experience different changes in their bodies as

they age.
-- Women --
Most physical changes are linked to menopause and reduced

estrogen levels. As you age, it takes longer for your vagina to

swell and lubricate when you're sexually aroused. Your vagina

also loses some elasticity. Together these can make intercourse

less comfortable or even painful.
What to do:
- Longer foreplay increases natural lubrication.
- Use water-based lubricants, such as Astroglide, Probe or Silk.
- Estrogen creams or hormone replacement therapy can rejuvenate vaginal tissue.
- Regular intercourse helps maintain lubrication and elasticity.
- Do Kegel exercises to keep the pelvic floor muscles toned.
- If you haven't had intercourse for a while, realize it takes time to stretch out - go slowly!
- Minimize any pain or discomfort. Desire usually returns once any discomfort is relieved.
-- Men --
As you age, it might take longer to achieve an erection; it may

be less firm and it may not last as long. Aging also increases

the time between possible ejaculations.
What to do:
- Relax, stop worrying about it! Anxiety makes it worse.
- Let go of performance expectations. American media is filled with messages implying that masculinity and virility is equated with youthful performance.
- Kegel exercises are very helpful for men also, to tone the pelvic floor musculature.
- Take longer with sexual activities. You may also need more direct physical stimulation.
- Try different positions, for comfort and extra stimulation.
- Focus on pleasurable sensations, rather than on hurrying towards orgasm and ejaculation.
- Viagra, Cialis or Levitra may help intensify erections.
- Other medical devices, such as pumps, drugs and implants have been developed. I would encourage a natural and relaxed exploration of sexual possibilities before submitting to an expensive and invasive medical procedure.
Intercourse is Not the Only Way to Have Sex!
Helen Gurley Brown, author of Sex and the Single Girl, has said,

"When people say they can't have sex because they have a bad

back, or arthritis, or all of the things that can affect our

bodies as we get older, I think what they're really saying is

they're looking for an excuse not to have sex. When you care,

you find that there are all sorts of ways to express sensuality."
Sexual ignorance, cultural values and media images combine to

"sell" the story that sex = intercourse - and having an orgasm is the way to tell if you're accomplishing anything!
This mindset gets everything backwards. The purpose of having

huge concentrations of nerve endings and pleasure receptors in

our genitals is to experience pleasure. While orgasms are

wonderful, when sex becomes goal-driven to "achieve" climax, it

short-changes both partners' pleasure and places enormous

performance expectations and demands - which can turn sex from

playful, spontaneous, pleasurable sensual intimacy between two

people who care about each other into something like a chore.
I highly recommend Marty Klein's book Let Me Count the Ways:

Great Sex Without Intercourse as an excellent guide and

encouragement in your creativity. (For more information about

Marty Klien's book look on:

http://www.books4selfhelp.com/sexuality.htm )
Passionate kissing, oral sex, mutual masturbation, telling erotic stories to each other, massage, hugging, touching, cuddling -- all of this can be great sex!
What is most important is pleasure - giving and receiving

physical and emotional pleasure. We are all hungry to be

touched. We need touch. Without touch, babies do not thrive,

and may even die. Grownups need to be touched too. (If you're

reading this and do not have a partner in your life, remember

that self-pleasure can be a very important aspect of self-care

and nurture. It is always possible to choose pleasure for

oneself!)
B. Psychological Changes
The aging process may have psychological and emotional effects -

particularly as we live in a culture that glorifies youth and

extols youthfulness as the epitome of physical beauty. (I would

remind us all that this is market-driven: marketers learned long

ago that younger people are more likely to spend disposable

income, and are more influenceable by advertising.)
- We may be embarrassed or ashamed of our sexual needs as an older adult.
What to do: Get over it! Join the party. You deserve pleasure in your life, from birth until the day you die.
- Changes in appearance affect how we feel about ourselves. Bodies no longer match the idealized body images we see in advertising and the media.
What to do: Realize that media has created the youthful ideal of beauty. Celebrate and love the body you have! Every wrinkle, stretch mark, gray hair, rounded contour, ache and pain is a mark of your ever-increasing maturity and wisdom! Bette Midler once said that if you are a woman and consider yourself unattractive -- visit another culture for a wake-up call. American stereothypes of physical attractiveness are insane dreams invented by marketers who are playing on our anxieties and insecurities in order to sell us more products.
- Worrying about sexual performance may actually reduce the body's ability to perform sexually; men may experience erectile dysfunction, women an inability to lubricate.
What to do: Relax! Relax... Enjoy your partner. Look into his or her eyes. Breathe together. Cuddle, stroke, gently massage each other. Sexuality is about pleasure, playfulness, and spontaneity.
- Depression may reduce energy, optimism and desire.
What to do: Exercise, do pleasurable activites, get sun on your face every day. Talk with your doctor about an antidepressant medication. See a therapist. Talk with your friends. Write your feelings in a journal. Any positive action taken - even drinking a glass of water! - is a step towards moving out of depression.
C. Changes Due to Medications and Surgery
Chronic pain or surgery and illness that cause fatigue can make

sexual activities more challenging or painful.
What to do: Talk about it. Slow down, focus on simple pleasureable activities. Experiment with different positions or activities to discover what is most pleasureful.
Some commonly used medications can interfere with sexual

function. High blood pressure medications can reduce desire and

impair erection in men and lubrication in women. Some

antihistamines, antidepressants and acid-blocking drugs can have side effects that affect sexual function.
What to do: Talk with your doctor about how to minimize these effects. It may be possible to substitute alternative medications that work as well as the original, but without affecting sexual function.
IV. Improving Sex as You Age
David Schnarch, in his book Passionate Marriage emphasizes that

people become better lovers as they age. This runs counter to

cultural stereotypes which hold that sex is for the young. Older persons have learned a few things over time, and no longer

struggle with youthful anxieties and ignorance about sexuality.

(For more information about David Schnarch's book, look on:

http://www.books4selfhelp.com/intimate-relationships.htm )
With age and maturity, it is more possible to slow down and

deeply experience all the pleasure that sensual sexuality has to

offer. It is possible to learn how to combine deep relaxation

with high states of arousal in order to have more intense,

longer-lasting sexual experiences.
- Expand your definition of sex. Sex is more than intercourse!
- Communicate with your partner. Talk about what you need and what you like. Discuss the changes you're going through. Ask your partner about his or her needs and how to be accomodating. Communication itself can be arousing!
- Make changes to your routine. Change the time of day in which you have sexual activity. Mornings or afternoons may be better than at night when you are tired or achy. Take more time to set the stage for romance: romantic dinners or an evening of dancing or a special time or place for lovemaking. Try a new sexual position.
- Manage your expectations. If you didn't have sex very often as a younger adult, don't expect to have lots of sex as an older adult. Partners who enjoy frequent sex when they are younger are more likely to continue that as they age.
- Take care of yourself. Eat a healthy diet and exercise regularly, at least 30 minutes a day. Avoid alcohol as it decreases sexual function in both men and women. Do your Kegel exercises every day.
- Practice safe sex. If you have a new partner, get tested. Use condoms. People over 50 make up about 10% of AIDS cases in the United States
Most of all, simply enjoy the pleasureful sensations which your

body is amply equipped to experience. Take time to nurture your

relationship with your partner so that you are feeling

emotionally connected. Approach your sexual relationship with

playfulness, humor, patience and love.
Sexual pleasure is part of the birthright of being human - and it is a lifelong resource for joy, health and personal growth.
For further resources on Seniors and Sexuality - books, magazine

articles, films and Internet resources - see my Resource page at

http://www.DavidYarian.com/resources.htm.
More resources are listed in The Guide to Self-Help Books,

http://www.Books4SelfHelp.com. Relevant sections of the Guide

include Sexuality, Men's Sexual Health, Women's Sexual Health,

Intimate Relationships, Gay and Lesbian Concerns and Tantra.
------------
Attention Publishers & Webmasters:
(c) 2005. Permission is granted to reprint this article in its

entirety in your ezine or on your website as long as you leave

all links in place, do not modify the content and include our

resource paragraph above. If you do use the material please drop

me a note so I can take a look. Thanks!



David Yarian, Ph.D. is the creator of The Guide to Self-Help Books, http://www.Books4SelfHelp.com and co-author of Self-Help Central, an ezine to help you build a better life with self-help resources. He is a Licensed Clinical Psychologist and Certified Sex Therapist in private practice in Nashville, TN.

Monday, October 10, 2011

My Favorite Way to Purchase a Commercial Investment Property

"Happy are those who dream dreams and are willing to pay the price to make them come true." -- Anonymous
As I was on my way to my son's Flag Football practice today I drove by a property that I own. It is a nice apartment property; good location, tenants are nice and responsible, and the property cash flows very well.
As I was looking at the building I got to thinking about the fun I had when I purchased it. I actually ended up buying this property about 13 years ago with a Mentor of mine. This guy is now 82 years old and still spends some time around the property - giving him something to work on during his retirement...
That got me thinking..
What is the best way, or rather, my favorite way of purchasing commercial investment real estate property?
Well, first most people get the picture in their head of people on two sides of the table. They think of Donald Trump's Board Room with people arguing and negotiating on the property, beating each other up until one person says "uncle," and you can have it at your price.
The real world is much different. For the most part negotiating is fun, not really controversial, and you have like-minded people wanting to get an investment property transaction done.
Then it hit me. Some of my best deals have been fun to purchase, little in the way of problems, and pretty easy without the dog eat dog mentality. Some of my worst properties I have had over the years did have a lot of stress, arguing, one-upsmanship, etc.
My recommendation when purchasing a property is to truly seek a win-win scenario for both parties. Look for properties that make sense in the first place, and do not try to make the numbers make sense at the negotiation table. What I have found is that when one party pushes the other "over the edge" so to speak, they will need something from the other party sooner or later. It may be during the closing process, or it may even be a question they need answered after closing. How do you think the person who left the negotiation table feeling like they were run-over will react? Of course, the answer is that they will not be very accomodating when that time comes.
So be sure when you are at the negotiation table you follow these steps:

1. Work on properties that make sense in the first place.

2. Focus on a win-win deal.

3. Be professional.
As I reflect on this, those people that I have found to be the most successful definitely operate on the side of fun, as do I. Try to make it easy to do business with you, and take a laid-back approach. This is not to say I let the other side have everything they want and bend over backwards every time they want something. Remain tough, yet relaxed, and make it easy to do business with you. This is the best way for the long-run, and I have found the most successful too.
The bottom line is that if you are in deal with a lot of stress, problems, arguing, etc. it may not be a deal you want to be in. If there is a lot of controversy, you may want to at least think about why you have it, and act accordingly...



Do you want to learn more about investing in commercial properties? Click the link below for my FREE 7-Part Investment e-Course. I'll also send you my FREE special report and teleseminar access "How to Buy Apartments and Commercial Real Estate With No Or Low Money Down."
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