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Eat to lose weight? Go for it! | Physical BALC #76
What if you could eat to lose weight and release fat? You can! A great secret to shedding the fluff – eat to lose weight! Pick healthy filling snacks vs. empty calorie carbs and processed protein to give your body the nutrients it need to fight the fat on it’s own. In the May 2012 [...]
Spend more during retirement? Seems so! | Financial BALC #76
What if you could spend more during retirement? It’s an exciting thought, for sure. In a recent publication, three researchers from Texas Tech University examined William Bengen’s well-known 4% safe spending rule and found that some retirees, perhaps many, can live a lot bigger. By emphasizing a portfolio’s ability to withstand a 30- or 40-year [...]
New and Improved Treatment | Physical BALC #75
New and Improved Treatment For Depression For some reason, this week there have been quite a few articles about depression and the treatment of depression in the news. One article involved a study being conducted in Hong Kong whereby boosting the effect of acupuncture needles with small electric currents may be effective in treating those [...]
The Credit Card App | Personal BALC #75
Over 170 million people in the U.S. have credit cards, and the average card holder has 3.5 of them – not counting debit cards. In spite of the promise of mobile payments, plastic cards are not going away any time soon. We’re at the early stages of a massive wave of innovation in the payment [...]
Minimize Your Taxes | Financial BALC #75
Generally, taxes are the biggest expense in retirement. In a time when retirees often need every penny of income to feel secure that it will last as long as they will, here are a few things to consider: The location of your investments – If you’re like most of us, you’ve probably made investment decisions [...]
“Young-Old” is the New Old | Personal BALC #74
Let’s talk about the taxonomy of aging. Once, turning 65 made you “old”. Now, demographers are identifying three separate groups: The “Young-Old”: age between 65 and 74 The “Old”: age between 75 and 84 The “Old-Old”: age 85 and older It has been said that faces of the Young-Old adorn the covers of active retiree [...]
Why is age important? | Financial BALC #74
When talking retirement, these are the most important ages to factor into your plans. Contact me for more details. AGE 21: Employees can generally enroll in a 401 (k) plan at age 21. Plan sponsors are allowed to exclude employees younger than 21, and many companies do. A recent IRS survey of 1200 plan sponsors [...]
Over 55 exercises | Physical BALC #74
Apart from keeping you healthy, exercise slows down the effects of aging and helps us stay fit for a longer time. Do not start an exercise program without consulting your physician, however. If the program is too stressful, it will do more harm than good. Some simple activity to keep your body in check: AEROBICS [...]
Normal or Nuts? | Personal BALC #73
Who of us has never wondered if our nutty behavior or quirks means that we’re really crazy? Don’t most people have strange, graphic dreams? Aren’t we all a little compulsive? And who among us can remember everyone’s name all the time? Psychiatrists tell us that all behavior occurs on a spectrum. For example, some of [...]
Normal or Not Normal? | Physical BALC #73
Just like there is a spectrum for behavior, there are also degrees to which physical symptoms can be considered “normal” or “not normal”. For example: Symptom: Shortness of Breath Normal and likely due to: emotional upset, to which your body responds with a squirt of adrenaline, resulting in rapid breathing. Not Normal, and see a [...]
