Today's Boomer Vol.5 No.3 May / June 2016

Today’s BoomeR

Today’s

Featuring The Only B2B Featuring The Only B2B Featuring The Only B2B ---Business 2 BoomeR Marketplace!Business 2 BoomeR Marketplace!Business 2 BoomeR Marketplace!

Vol. 5 No. 3

“SOSS” Save Our Social Security

Boomer Consumer Watch: Why You Need Financial Cheat Days

Old Enough Old Enough for Sex: for Sex: 10 Things 10 Things That Turn That Turn Men OffMen Off

20 Smart Retirement Moves You Can Make Right NOW

Brazil Booming for Boomers: 2016 Olympics Preview

Healthy Healthy Eating: Eating: Latin Latin Coachmen’s Coachmen’s RiceRice

FF–– Being Old:Being Old:

The The Upside of Upside of Retirement Retirement Leisure: Leisure: The Freedom The Freedom Zone Zone

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Today’s BoomeR 3

Founders: John Vardallas & Alexandra Maragha

Editor-In-Chief: Alexandra Maragha

Contributing Writers :

Bob Trotter: Social Security

Chef Eben Atwater: Healthy Eating

Advertising: Team

For Letters to the Editor, articles and feedback

as well as advertising inquiries email

[email protected]

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John Vardallas

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Business/Lifestyle Strategist

Boomer Sage and Blogger

[email protected]

(608) 577-8707

Alexandra Maragha

Founder & Editor-In-Chief Today’s BoomeR

[email protected]

Today’s BoomeR Vol.5 No.3 Today’s BoomeR is published

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The American Boomer

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This Issue

May / June 2016

Volume 5, Number 3

Boomer Travel 5

Brazil Booming for Boomers

20 Smart Retirement Moves 10

You Can Make right Now

Social Security 12

Men’s Health and Social Security

The Upside of Retirement 13

Leisure: The Freedom Zone

Old Enough For Sex 16

10 Things That Turn Men Off

Boomer Consumer Watch 18

Why You Need Financial Cheat Days

Booming Into 19

“Work-Tirement”

Boomer Healthy Eating 20

Arroz de Carreteiro – Coachmen’s Rice

New Blog: F-Being Old 22

“SOSS”-Save Our Social Security

B2B Marketplace 23

Business 2 Boomers Marketplace

Today’s

4 Today’s BoomeR

(feature) p. 10

p. 12

EDITOR’S LETTER Today’s

Leisure; A New Luxury At any stage of life, leisure is a concept that is explored in many different

ways. At a young age, leisure could embrace lack of responsibility and time

spent among friends any day of the week or especially when school was over

to just enjoys days of nothing. As a single adult before families and kids

came along, a planned vacation or a more sophisticated time spent from

money earned, matched a greater leisure experience to be had. No matter

the time or situation, the fact is as more responsibility becomes realized and

faced, the more the simplicities found in leisure time, becomes less.

This issue is to embrace the precious element of leisure time that can and

should be spent and remembered for Boomers now and into the future.

Examine the study of leisure bringing the time spent by Boomers and their

trends of relaxation and retirement to create “The Freedom Zone”. Take a

trip to Brazil to enjoy the pleasures of international sport with the 2016

Olympics, with venues and hot spots tailored to tourists for years to come.

Working in the kitchen can also be considered leisure time spent with great

food, as chef Eben brings a great Latin dish to your table. Retirement and

spending can bring leisure to enjoy the fruits of your labor, with rewarding

your everyday financial balance with a day of earned spending while also

giving your mind some leisure into retirement with 20 smart moves to make

now for future planning.

No matter the way it is spent or means the most, consider that leisure time

spent is considered, now more than ever, a new luxury among a chaotic and

time consuming busy world.

Alexandra Maragha

Editor-In-Chief

Send Letters and Feedback to: [email protected]

Today’s BoomeR 5

TravelChannel.com

Rio and the 2016 Olympic Games

B

OO

ME

R T

RA

VE

L

BO

OM

ER

TR

AV

EL

6 Today’s BoomeR

The countdown is on! Torchbearers are on the way to Rio de

Janeiro, where the 2016 Olympics will run from August 5-21.

The Paralympics follow, from Sept. 7-18.

There’s still time to plan to attend, and we’ve got tips on where

to stay, what to do and even what to eat. Thanks to a waiver,

tourists coming from the U.S., Japan, Australia or Canada

between June 1 and Sept. 18, 2016 don't need a Brasilian visa.

You won’t need to show proof that you’ve bought event tickets,

either.

However, you'll need a valid U.S. passport, which will allow you

to stay up to 90 days. It's recommended that your passport

remains valid for at least six months after the date you plan to

return. If it will expire before or during your trip, renew as soon

as possible.

And if you're not going solely for tourism, or you're entering

Brasil before or after the dates of the Games, you will need a

Brasilian visa. Apply through your nearest Brasilian consulate as

soon as you can; processing times are expected to get longer as

the Games approach. The current fee is $160 for a visa that will

be valid for 10 years.

It's also wise to sign up for STEP, the Smart Traveler Enrollment

Program, which will help the U.S. Embassy and Consulates reach

you with vital security and safety announcements.

For more essential information about staying safe and well as

you travel, and for

information on travel-

ing with minors

(especially if you have

sole legal custody of

your child), see this link

on the U.S. Depart-

ment of State website.

It tells you about Brasil-

ian currency, purchas-

ing tickets through Co-

Sport (the only legiti-

mate source for those

in the U.S. to buy tick-

ets for the Olympics

or Paralympics),

and much,

much more.

Finally-- in case

you’re

wondering--

“Brasil” is how

Brasilians spell

their country’s

name. In

America, we use

“Brazil.”

What to Do

With 42 Olympic sports and 306 events going on, you’ll stay

busy. Some are open air, which means you can watch them free

from various locations.

Live sites will also let fans watch the action on big screens in

public places: Madureira Park, in the Madureira Neighborhood;

at the seafront in the Port area; and the Sports Center Miécimo

da Silva, in Campo Grande.

Sample Brasil’s music, performing arts, and more, when the

2016 Culture Festival takes to the streets.

When you’re not at the Games, take time to explore Brasil’s

Today’s BoomeR 7

famous landmarks, lush rainforests, exotic foods, and electric

nightlife. Start with beautiful beaches like these:

Rio’s nickname is “Wonderful City,” and tourists from around

the world come for its beaches. Ipanema Beach is a popular

hangout, so arrive early to get the best spot for your towel or

lounge chair.

Take the subway or a bus to Copacabana Beach. Then visit a

beach bar for a cold beer or some coconut water straight from

the coconut. Beach sports are popular here, so look for

government-provided volleyball nets, football courts and even

sites with training equipment. You can bike, jog, or skate along

the promenade, with its striking black-and-white wave design. It

parallels the beach for over 2 miles.

Catch a wave at Arpoador Beach, the birthplace of Brasilian

surfing. It’s a small stretch of sand and

rock between Ipanema and Copacabana

beaches.

Leme Beach, on the northern side of

iCopacabana Beach, is more family-oriented and less crowded.

Watch the cable cars climb nearby Sugar Loaf Mountain (or take

a day tour to explore it.) In the evening, catch a spectacular

sunset.

Where to Drink and Dance

Rio comes alive in the evenings, with jazz bars, dance halls, pubs,

nightclubs and samba clubs. Party at Rio Scenarium, where

patrons dance and sing into the wee hours, powered by

imported beers and salted snacks.

Trapiche Gamboa, voted Rio’s best live music club in 2010,

serves up specialties like harumaki chicken curry and cheese

balls. Check out Carioca da Gema for tapas and fish dishes and

lively Samba music.

Rio is known for “Comida de Buteco,” informal bars where you

can mingle, drink and eat. Have an iced chope (draft beer,

pronounced like SHOW-pea) with appetizers like cassava and

jerked beef, fried cassava, or chicken fritters. Or head over to

Lapa, a bohemian neighborhood, to hear samba and other

8 Today’s BoomeR

Brasilian rhythms.

Where to Dine

Street vendors with charcoal braziers are all over Rio.

Before you sample any foods, look around to be sure

the cooking equipment and preparation surfaces are

clean and sanitary. A line of customers waiting to

order is usually a sign that the food is good.

For restaurant service, head over to Rua Dias

Ferreira. This street, located in Leblon, offers

vegetarian dishes at Celeiro; seafood and sushi at

Sushi Leblon; and Italian cuisine at Quadrucci.

While you’re in Rio, order feijoada, Brasil’s national

dish. It’s a heavy, somewhat salty stew made with

black beans and pork or beef products, usually served

with sautéed kale, oranges, rice and farofa (cassava

flour). Wash it down with beer, cachaça (Brasilian

rum made from sugar cane) or pair it with a

Caipirinha (a cocktail made with cachaça, lime, sugar

and ice).

Rio is also famous for its churrascaria, meats that are

barbecued and typically brought to your table on

skewers, where they’re carved onto your plate. Try

Churrascaria Palace, Fogo de Chao or Porcao.

Rio has hotels to fit most budgets, or book with

Airbnb, which is partnering with Rio in 2016 to offer a

variety of accommodations. Some top hotels in Rio

include:

Where to Stay

Copacabana Beach:

Copacabana Palace

Hotel Miramar

Marriott

Porto Bay Rio

Leblon Beach: Sheraton

Ipanema Beach: Hotel Fasano

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Santa Teresa Neighborhood:

Hotel Santa Teresa

Barra da Tijuca, site of many of the 2016

competitions:

Windsor Hotel

Sheraton Barra

Hilton Hotel

There’s much more to see and do. Soccer fan will find

games in five different cities:

Salvador, Sao Paulo, Brasilia,

Belo Horizonte and Manaus.

If you’re an art lover, make

time to visit Praca Maua, in

Centro, where you’ll find a

mix of science and art at the

futuristic-looking Museum of

Tomorrow. The Rio Museum

of Art is also here.

Before you travel to Brasil,

ask your doctor if you need

any routine vaccines or

medicines. The CDC

recommends Hepatitis A and

typhoid vaccines for most

travelers, and Hepatitis B,

malaria, rabies and yellow fever vaccines for some

travelers. Again, ask your doctor what you need.

The Zika virus, spread by mosquitoes, has been

reported in Brasil. For tips on protecting yourself,

and to learn if you're at special risk, check the CDC

website and re-visit it periodically forupdates. Visit

Brasil.com and Rio.com for more travel tips and

essential info on health, security, and other issues.

10 Today’s BoomeR

By Selena Maranjian

We would all do well to give serious and regular

thought to our retirement, whether it's three or 30

years away. The more you know and the more steps

you've taken to make sure it's a comfortable one, the

better off you'll be. Here are 20 smart retirement

moves you can make right now.

1. Get out of debt. This is vital, at least in regard to

high-interest rate debt such as you'll get with credit

card balances. It's not unusual to be charged annual

interest rates of 25% or more, and on $20,000 of

debt, that can cost you around $5,000 each year!

No matter how much debt you have, you can

probably pay it off if you're determined and

persistent.

2. Have an emergency fund. You may have thousands

socked away in retirement accounts, but if a job

loss or major health setback causes you to liquidate

such an account, that's going to hurt your financial

future. Have an emergency fund available with

three to nine months' worth of living expenses.

3. Appreciate the power of compounding. If you

don't already appreciate the power of compound-

ing, consider this: Sock $8,000 away each year for

25 years and if it grows by 10% each year, you'll end

up with about $865,000. If it grows for 26 years, it

will total more than $960,000! That's a difference of

more than $95,000 and it shows how powerfully

money can grow when given a lot of time. The

lesson is to start saving and investing as early as

possible, and aggressively, too, as your most

powerful dollars are your oldest ones.

4. Save more. The more you can sock away, the better

off you'll be in retirement. In the example above, if

you could save and invest $9,000 each year instead

of $8,000,

you'd have

almost $1.1 million in 26 years. Aim

to increase your saving each year, perhaps by

applying some or all of any raises toward your

future.

5. Spend less. In order to save more, you'll need to

spend less. It can help to spend a few months

tracking all your spending, to see where your

money goes. Then draft a budget and stick to it.

Live below your means, saving money perhaps by

using coupons, comparing prices before buying,

bypassing some luxuries, and brown-bagging some

lunches.

6. Catch up, if you can. If your retirement savings are

well below where they should be, consider taking

some drastic steps to beef them up. The earlier you

do this, the more your money can grow for you.

You might take on a second job for a while, or

regularly do some extra work on the side, such as

tutoring. You might take in a boarder for a while or

rent out a room on Airbnb now and then. Have

several cars in your household? You might get rid of

one for a while, to save money.

7. Invest smarter. Is your portfolio full of lots of stocks

you bought and forgot about, including would-be

highfliers that never flew? Aim to hold only stocks

in which you have great knowledge and confidence.

Consider dividend payers. If you're just not great at

choosing which stocks to buy and when to sell, you

would do well to just opt for one or more

inexpensive broad-market index funds. The more

smart moves you make now, the better your

retirement is likely to be.

8. Reduce fees. Take a look at the fees you're paying

in your investment accounts, bank accounts,

20 Smart Retirement Moves 20 Smart Retirement Moves You Can Make Right NowYou Can Make Right Now ?

Today’s BoomeR 11

mutual funds, retirement accounts, and so on.

Very often, you'll be able to switch to lower-cost

options. If you can pay one percentage point less

on $100,000, you'll save $1,000 -- per year.

9. Simplify financial accounts. Many of us have

accumulated lots of financial accounts, from

various jobs and points in our lives. Consider

consolidating some of them, so that they're easier

to stay on top of.

10. Rebalance your portfolio now and then. If you

haven't rebalanced your portfolio in a long time,

you may be far from your desired allocation of,

say, 10% in international stocks or 20% in bonds.

One big winner might now make up 35% of your

portfolio, resulting in a lot of eggs in that one

basket.

11. Take advantage of retirement accounts such as

the Roth IRA. Remember that you can contribute

up to $5,500 to an IRA for 2016, plus an additional

$1,000 if you're 50 or older. Follow the Roth IRA

rules and you'll be able to withdraw all your

contributions and earnings tax-free!

12. Make the most of your 401(k). 401(k)s have

much higher contribution limits, so aim to contrib-

ute generously to them, at least enough to take

full advantage of any available matching funds.

That's free money, after all.

13. Get your spouse on board, too. Be sure that you

and your spouse are on the same page,

financially, working together to save and invest. If

only one is doing so while the other is spending or

racking up debt, you're headed for trouble.

14. Pay off your mortgage before retiring. Consider

paying off your home before retiring to free

yourself from mortgage payments. That can make

the rest of your money go further.

15. Consider an annuity. Consider buying into an

annuity to provide some retirement income. With

a $200,000 investment, for example, a 70-year-

old couple might be able to secure $1,000 per

month for as long as at least one of them is alive.

That can provide much peace of mind.

16. Consider dropping your life insurance. If you're

paying for life insurance and you still have people

depending on your income, keep it. But if your

kids are grown and your spouse will have enough

financial resources to carry on should you die, you

might save money by dropping the policy.

17. Look into long-term care insurance. Long-term

care can be very costly -- which is why insurance

for it is costly, too. It won't make sense for

everyone, but it's worth investigating how much it

would cost you and if it seems worthwhile. The

earlier you buy it, the less it will cost.

18. Get the paperwork done. No matter your age

right now, be sure you have all your legal

paperwork in order. All of us should have a will, a

durable power of attorney for finances, a living

will, and a healthcare power of attorney

(sometimes called a healthcare proxy). You might

also look into setting up an estate plan and a

trust, among other things.

19. Imagine and think about retirement. As

retirement approaches, start thinking about it in

some detail. Think about where you want to live

or where it makes most sense to live, financially

or socially. Think about what you will do in

retirement and see whether there any steps you

might take now to prepare, such as visiting areas

where you might move or reading up on late-life

investing strategies.

20. Have a plan. A critical thing to do is to have a

plan, and not leave your retirement up to chance.

No matter your age now, give some thought to

how much income you'll need in retirement and

how you'll build up enough of a nest egg to supply

that. It can be smart to consult a professional,

too.

12 Today’s BoomeR

Social Security: Men’s Health and Social Security

This year, we observe National Men’s Health Week from

June 13 to 19. It so happens that Father’s Day falls on the last

day of Men’s Health Week, a perfect time for focusing on

health education and awareness, disease prevention, and

family.

Social Security

encourages you to

support fathers

and friends

everywhere in

their efforts to stay

healthy. The right

balance of diet,

exercise, regular

visits to doctors

and health care

providers, and overall healthy living can go a long way to

help everyone remain a part of your daily life for years to

come. Part of staying healthy and happy is reducing the

amount of stress in your life. That’s where opening a my

Social Security online account can help. Our online services

make doing business with us fast and easy. At my Social

Security, you can:

Keep track of your earnings and verify them every year;

Get an estimate of your future benefits, if you are still

working;

Get a letter with proof of your benefits, if you currently

receive them; and

Manage your benefits:

Change your address;

Start or change your direct deposit;

Request a replacement Medicare card; and

Get a replacement SSA-1099 or SSA-1042S for tax

season.

In some states, you can even request a replacement Social

Security card online using my Social Security. Currently

available in the District of Columbia, Iowa, Kentucky,

Michigan, Nebraska, New Mexico, Pennsylvania, Washington,

and Wisconsin, It’s an easy, convenient, and secure way to

request a replacement card online. We continue to add more

states, so we encourage you to check

www.socialsecurity.gov/ssnumber to see where the service

is available.

Tell dad to check out the healthy amount of features we

have to offer at www.socialsecurity.gov/myaccount.

In addition to using my Social Security, there are a number of

other things you can do online with Social Security. For

example, you can use the Retirement Estimator to plug in

different numbers, retirement dates, and scenarios to help

you decide the best time for you to retire. It’s available at

www.socialsecurity.gov/estimator.

And when that time comes, you can apply for retirement

benefits online at www.socialsecurity.gov/planners/

about.htm. It can take as little as 15 minutes from start to

finish. In most cases, once you submit your electronic

application, that’s it, you’re done—no papers to sign or

documents to submit.

Learn more about Social Security retirement benefits by

reading our publication on the subject at

www.socialsecurity.gov/pubs.

When you’re ready to retire, the best place to apply is from

the comfort of your home computer, with some of your

favorite music playing in the background. Now that’s a great

start to a healthy retirement!

By Bob Trotter, Social Security Public Affairs Specialist

Today’s BoomeR 13

By Ken Dychtwald Ph.D.

New Study Uncovers The Upside Of Retirement Leisure: The Freedom Zone

Part One of a Two-Part Series

With nearly 10,000 boomers retiring each day, a profoundly

different portrait of retirement leisure is beginning to emerge —

which many retirees tell us is the most liberating and enjoyable

time of their lives. And, as I’ll explain, money doesn’t seem to be

the primary key to enjoying leisure in retirement.

My firm, Age Wave, recently partnered with Bank of America

Merrill Lynch on a landmark research study, “Leisure in

Retirement: Beyond the Bucket List“, to deeply explore the depth

and breadth of the new model of leisure that is emerging. We

surveyed a representative sample of 3,712 adults age 25+ from all

socio-economic backgrounds and walks of life with the goal of

creating a multi-dimensional portrait of leisure in retirement.

Some of the results may surprise you. You can download the full

report here: www.ml.com/retirementstudy

From “Time Constrained” to “Time Affluent”

Retirees have one thing head-and-shoulders above the rest of us: free time. Lots more free time. Collectively, retirees will enjoy

126 billion — yes, BILLION — hours of leisure time this year alone. And as tens of millions of boomers move from being “time

constrained” to “time affluent” over the next 20 years, they will collectively amass 2.5 trillion hours of leisure time (FIG 1).

Learning how to shift out of a high-pressure,

time-constrained, workaholic lifestyle is one

of the great challenges and opportunities of

our newfound longevity. In fact, with longer

lifespans and the rejection of yesterday’s

model of old age, leisure in retirement has

evolved into far more than “winding down.” It

has become an extended period of new free-

doms and flexibility truly unlike any other time

in life. As one focus group participant told us,

“Suddenly what you want to do trumps what

you have to do. It’s exhilarating to have this

kind of freedom.”

The “No-Vacation Nation”

In order to fully appreciate the freedom of retirement leisure, people have to break their addiction to work, which can be a hard

thing to do. Let’s take a quick look at where we’re coming from. Americans often define ourselves by how hard we work, our job

14 Today’s BoomeR

title, or our career path. For many of us, workaholism has

become a way of life. In fact, compared to other industrialized

countries, Americans are the most vacation deprived (FIG 2).

We have, on average, the fewest paid vacation days of any

developed nation, and 41 percent of employed Americans don’t

even use all of their vacation time. Like it or not, we have

become a no vacation nation.

Even when we do take vacations, we still work! While boomers

are definitely a workaholic generation, with 76 percent saying

they work while on vacation, younger generations report having

an even harder time tuning out, with a whopping 81 percent of

generation Xers and 89 percent of millennials telling us they

work while on vacation.

As you can see in the chart below, when we transition from the

time-constrained pressures of workaholic lives to the time

affluence of retirement, our approach to leisure changes

dramatically. Seventy-nine percent of today’s retirees report

that they finally have the amount of free time they desire. And

when we asked what they thought the ideal length of retirement

should be, “20 years” was the average answer (FIG 3).

Surprise! Freedom, Fun, and Emotional Wellbeing Soar in

Life Beyond Work

When we move into retirement, our identity is less defined by

what we have to do, and more by the leisure activities and

interests we choose to pursue. Rather than having to punch a

clock, please a boss, impress your parents or your kids (or both!)

or meet a deadline, people find that they can now do a lot more

of what they want to do, when they want to do it, and often on

their own terms. The transition can be exhilarating. As one focus

group participant explained, “Before retirement, I defined

myself almost completely by my work. Now, I define myself by

what I do with my leisure — I’m now a grandmother, a French

student, a cook, and a volunteer. I’m becoming who I want to

be. It’s a feeling of liberation!”

Our study also revealed that despite how it’s portrayed by

popular media, fun is not primarily the domain of youth. In fact,

for most people, fun actually rises in midlife and peaks in

retirement. This is due to LESS stress, obligation, and pressure

from work and MORE freedom to engage in leisure activities

retirees genuinely enjoy (FIG 4).

Perhaps even more interesting, our study showed that money

isn’t the key to happiness in retirement. In fact, as you’ll see in

the next chart, retirees at all financial levels really enjoy their

leisure time and feel that retirement gives them

greater freedom to do what they want. It seems

that with the currency of “discretionary time,”

people generally pursue the kind of leisure they can

afford — and are willing to make adjustments to

have a good time. For example, one focus group

participant said, “I always wanted to play the great

golf courses of Europe. But now I realize if I can play

the great courses of Northern New Jersey, that

would be just fine (FIG 5).”

What about other measures of emotional wellbe-

ing? Contrary to cultural stereotypes that portray

youth as the height of psycho-social vitality and ma-

turity as a period of emotional decline, our study revealed that

emotional wellbeing actually peaks in retirement. Feelings of

happiness, contentment, and relaxation soar, while anxiety

seems to plummet. As Andy Sieg, head of Global Wealth and

Today’s BoomeR 15

Retirement Solutions for Bank of America Merrill Lynch, points

out “Given the opportunities that come with more leisure time

to be enjoyed in new and different ways, America is heading

toward a happiness dividend.” We’ve labeled

this the Retirement Freedom Zone (FIG 6).

Experiences Over Things - and Who Over

What

Ninety-five percent of retirees tell us they

greatly prefer having enjoyable experiences

over buying more things. One focus group

participant summed it up nicely: “When I was

younger, I was focused on having a nice house

and a great car. Now that I’m older, I realize

it’s all about the experiences in life — not the

things — that matter most.” Retirees also

place a premium on their relationships, telling

us who they spend time with is far more important than what

they do.

Our study taught us that there are two general types of

retirement leisure — each with its own set of priorities and

preferred activities. In “everyday leisure” (FIG 7), most retirees

want to de-stress and improve their health. In “special occasion

leisure” such as travel (FIG 8), peak experiences, adventure, and

fun top the list. While only 15 percent of retirees related to the

idea of a “bucket list” of things to do before you die, more than

80 percent say they want to fill their retirement with “peak

experiences,” moments that are unique or rare and stand out

from commonplace events and give them special lifetime

memories.

Planning Can Maximize Your Leisure Enjoyment

As you make financial preparations for your own retirement,

remember to save not just for the expenses of daily living, but to

envision and plan for what you want to do with this new chapter

of your life. How will you use your leisure to redefine your

relationships with your family, your friends, and yourself?

What’s the thing you most want to do that you’ve never had the

time and freedom to try?

Leisure — and the feeling of freedom — is the part of

retirement that people look most forward to. Pre-retirees dream

about the new adventures they will have, the trips they will go

on with their children and grandchildren, the new hobbies they

will start. Yet it is one of the least planned for aspects of

retirement.

So, notwithstanding all of the potent upsides to retirement

leisure, we all could probably be doing a better job of

envisioning and planning for how we’re going to fund our

dreams for the years ahead.

Stay tuned for part two of this series, posting tomorrow. I’ll

describe the four distinct stages of retirement leisure that were

uncovered in our study, and what makes each one tick.

16 Today’s BoomeR

By Noelia Trujillo

Tantalizing texts and revealing outfits may drive guys

wild in movies and books, but in real life? "Men are

never satisfied by women who try to keep their attention

by wearing sexy clothes and spending a lot of time in the

mirror," for instance, says Cammi Balleck, PhD, author of

Happy, the New Sexy. Even subtle signals you'd expect

him to find sexy can lower his libido. Click to discover

what things don't get him going, and how to transform

them into effective turn-ons.

1. Wearing A lot of Makeup

Men like women who look polished and presentable. It's

the Marilyn Monroe lips paired with smoky eyes and

layers of foundation that may have your guy asking,

"Where are you under there?" Simply put, "men like

natural," says Dr. Balleck. "Good taste will attract men,

and exaggeration will turn them away."

2. Scheduling Sex

Suggestive texts can get your partner's heart pumping,

but including a

time to get busy

pressures him to

perform. Messages

like, "Waiting for

you to come

home, big shot," or

"I'm yours after

yoga tonight"

make sex

predictable, which

can floor a man's

excitement, says

Jane Greer, PhD, a

relationship

expert, radio host

and author of

What About Me? Stop Selfishness From Ruining Your

Relationship. While making time for sex ups the chances

you'll have it, set the appointment in your mind only.

And keep your texts less specific, like "Looking forward

to spending time with you soon," or "Let's get a

babysitter sometime."

3. Turning Off the Lights

There's a reason guys love watching football games in

high definition: Men are highly visual beings, says Dr.

Greer. So they'd love to see as much as possible during

sex too. Insisting on doing the deed in the dark makes

him think you're more interested in how you look than

how he makes you feel. And your insecurity can rain on

his parade. If you're not comfortable in the spotlight,

head to a room with a dimmer switch, or light a few

candles.

4. Raking His Back With Your Nails

Old Enough For Sex:

10 Things That Actually Turn Men Off

Today’s BoomeR 17

What looks passionate in movies can be a true pain in

the back, says Pepper Schwartz, PhD, professor of

sociology at the University of Washington and author of

The Normal Bar: Surprising Secrets of Happy Couples.

The heat of the moment may prompt you to grab him

and dig in; just be careful not to tear his skin. Instead of

clawing, press your fingertips and hands all over his

body. Grasp tighter when he's getting it right to

encourage him to keep up the good work.

5. Faking It

It's true. Reaching orgasm isn't easy for women. In fact,

the average gal takes about 20 minutes to climax. And

who has that much

time? Many women

think they have to get

there for their mates

to believe they've

done a good job, but

"men take it as you not

being real," says Dr.

Greer. If a guy feels

you're lying to him

during an intimate mo-

ment, he may doubt he means much to you. So let him

know when he turns you on, but don't fake a grand

finale if it doesn't happen.

6. Going Commando

No panties on an occasional date? Sexy! No underwear

at work, the gym and the doctor's office? Not so much.

Most husbands don't feel comfortable with their wives

pulling this scandalous move around others. Dr. Greer

says it makes you seem "too loose and available." Use

this trick sparsely on dates to get your intended target in

the mood, but go about your daily life in undergarments,

please.

7. Getting Drunk

Advertisers often pair images of alcohol with good-

looking women, which sends the message that drinking

is sexy, says Dr. Balleck. While liquor can loosen you up,

beware of abusing its power. "When a woman gets out

of control, it becomes unattractive and embarrassing."

There's nothing sexy about your man scraping you off

the floor or begging you not to leave your boss an

expletive-laced voicemail at 2 a.m. Keep your limit in

mind if you go out for drinks, and stop a few sips short to

play it safe.

8. Playing the Damsel in Distress

Some women think acting clueless makes men feel

needed, but your love may view you as dependent or

unintelligent. That can drive him away because no guy

wants to feel like he's babysitting his partner. "Men find

a smart woman much sexier," says Dr. Balleck. Allow him

to help when you need him, be it for diffusing a tricky

work situation or fixing the sink, because men like

solving problems, says Dr. Balleck. If you can fix

something yourself, though, you should, she says.

9. Directing the Scene

There's a difference between being assertive and taking

over the production in the bedroom. "Give hints about

where you find pleasure," says Dr. Schwartz, "but you

don't want him to feel inept or controlled by nonstop

direc-

tions."

Bossiness

doesn't

rank high

on the

sexy scale.

Instead of

mandating your man's moves, speak up when he hits the

perfect spot or remind him how good it felt when he

explored a certain part of your body before. He'd rather

discover he's pushed the right buttons than be told

exactly where to find them.

10. Having Sex on the First Date

Nothing screams promiscuous like being too quick to rip

off your clothes. Getting intimate on day one may make

a guy think you're a one night stand and nothing more,

says Dr. Greer. Consider leaving him with a passionate

goodnight kiss if you're feeling the connection. Not only

will you get your perfect parting but you'll also leave him

wanting more.

18 Today’s BoomeR

By Josh Felber

When we think of "cheat days," we tend to think of a

sweet treat or indulgent meal that breaks a cycle of strict

dieting. A cheat day is meant to satisfy cravings, and it's a

great way to incorporate foods you normally wouldn't

include in your diet without ruining your metabolism.

Similarly, a financial cheat day can help you budget better

and prevent an overindulgent, perhaps impulsive,

shopping spree.

There are plenty of financial resolutions that can help

fatten your wallet this year. You can check your credit

card history, increase your savings or adjust your lifestyle

to live well below your means. The Internet and mobile

apps make it easy to monitor spending, and even blogs

like this one provide helpful tips on how to maximize your

savings. But sticking to a strict money diet can be mentally

exhausting, and even the most diligent saver can suffer

the occasional slip up here and there.

The discipline and patience needed to stick to your

financial resolutions can be taxing, just like how following

a strict diet can drive you crazy. Just like a cheat day when

you diet, allowing yourself the occasional financial

celebration can help you feel

indulgent without going

overboard. "Overspending and

not showing cash available to

support your debts can make it

hard to get home mortgage

financing or get a commercial or

business loan," says Brad Hettich,

founder of the finance and loan

company Commercial Lending X.

"But that does not mean you have

to reserve all of your cash. I

usually tell my clients they can still

make a purchase here and there,

but the key is not to overindulge

every month but just occasionally, making it so most

months they continue to build up their cash reserves."

Culprits of Overspending and Indulging

It's difficult to live a frugal lifestyle when we're

surrounded by messages telling us to buy, buy, buy. We're

pressured by our peers to spend money in order to keep

up with our social lives; fashion trends encourage us to

always be on the hunt for the latest styles so we can fit in

with our friends. Shopping is a sport that requires time

and mental energy. Last year, the National Association for

Professional Organizers found that 54 percent of

Americans feel overwhelmed by all the stuff they have,

and 78 percent don't even want to deal with it. This habit

of overspending has led to roughly $712 billion in credit

debt owed by U.S. consumers, according to a NerdWallet

analysis, and is why many financial advisors recommend

planning and sticking to a monthly budget.

Triggers such as stress or a bad day at work can also lead

to trigger-happy spending habits that may leave you with

buyer's remorse the next day. Extreme emotions like

depression or sadness can encourage people to shop or

make purchases as an easy way to cure their emotional

BoomeR ConsumeR Watch:

Why You Need Financial Cheat Days : Reward your good saving habits with a financial treat.

Today’s BoomeR 19

By Ann Brenoff

Never mind “use it or lose it.” When it comes to working

in middle age, it’s more like “use it too much and lose it,”

according to a just-released Australian study. Researchers

at the Melbourne Institute of Applied Economic and Social

Research found that when work for people 40 and older

exceeds 25 hours per week, there is a negative impact on

cognition.

“Work can be a double-edged sword, in that it can stimu-

late brain activity, but at the same time, long working

hours ... can cause fatigue and stress which potentially

damage cognitive functions,” wrote the study’s authors.

The researchers tested the memory span and cerebral

dysfunction of the subjects and found a positive impact

with about 25 hours of work a week. After that, things

headed south.

The report, which was published in the Melbourne Insti-

tute Worker Paper series, asked 3,000 men and 3,500

women to complete a series of cognitive tests while their

work habits were analyzed.

Many countries, including the U.S., are poised to raise

their retirement ages by delaying the age at which people

can start to collect pension benefits. This means that

more people will continue to work in the later stages of

their lives. This study indicates that this may not be a

good thing for everyone. But other studies have indicated

that early retirement may not be the best thing either. A

report from the Institute of Economic Affairs found that

after an initial boost in health, retirement increases your

risk of clinical depression by 40 percent while raising your

chances of being diagnosed with a physical condition by

60 percent. And a study at Shell Oil company found that

people who retired at age 55 had almost twice the risk of

death compared to people who retired at age 60.

The Melbourne study seems to be offering a viable middle

ground: If full retirement causes health detriments and

the stress of full employment diminishes cognitive func-

tions, the middle ground is: Work part-time!

Booming into “Work-Tirement”

Why Part-Time Work May Be The

Healthiest Option For Those Over 40

state. Have you ever gone out and impulsively ordered

something from Amazon when you were upset? Or

how about dropping Benjamin's at a club to celebrate a

bonus you received at work? Instead of waiting for a

moment of overindulgence though, make it a point to

reward yourself every now and then for your hard

work. Small, semi-regular treats are a welcomed break

from your regulated money diet and can provide an

additional incentive to help you stay on track with your

financial milestones.

Moderation Is the Name of the Game

A financial treat doesn't have to be a large purchase; it

could be something as simple as buying a grande

mocha from Starbucks or buying lunch instead of

bringing leftovers to work. Or a financial indulgence

can be an investment toward a more expensive

reward, like a piece of clothing or a new bag. Giving

yourself a specific reward or goal to work toward can

help you to avoid temptation and keep you from

spending your paycheck on a single item. It also helps

to keep some sort of schedule in order to keep track of

your financial rewards. Consider creating a calendar

with an end goal so you can always keep your eye on

the prize. For example, mark in your planner when you

want to treat yourself with a trip to your favorite

coffee shop.

It's important to remember that financial cheat day's

only work when they're incorporated into your regular

saving habits. If you find you're overspending monthly,

try holding on to your pay stubs and calculating how

much you spend in one week. Consider switching to

cash and leaving your debit and credit cards at home

to avoid spending on a whim. Sometimes all it takes is

bringing your lunch to work everyday to help you reach

your financial goals and free up cash so you can reward

yourself.

BoomeR ConsumeR Watch:

Why You Need Financial Cheat Days : Reward your good saving habits with a financial treat.

20 Today’s BoomeR

Ever since humans have been a thing, we’ve taken steps to make our sustenance portable. Being natural omni-vore, it’s a safe bet that we’ve always been grabbing a handful of berries here, a hunk of grain there, maybe a little hunk of meat, and stuffing it all into a leaf so that we could take it with us. Some of the most iconic snacks and meals that remain to this very day are perfect examples of this – Pemmican comes to mind – a high calorie mix of meat, fat and fruit

designed to be portable and supply a serious dose of power on the road. Go farther back and you get the Mongols, who depended on meat and dairy from their animals to power their travels – And from there came yoghurt, and meat for soups and stews. Virtually anywhere you look, our ancestors were drying, (or salting), and then combining the stuff they liked to eat so that it would be easier to take it out on the road – Doing so significantly reduced the consequences of not being lucky on a forage or hunt far from home, a situation that could be quite dire, indeed. From that legacy comes a world of one pot meals designed to efficiently use what’s available, and make it good. From jambalaya and gumbo, to paella and bouillabaisse, the manifestations are as broad as our appetites.

In the southwestern United States of the 19th Century, that history manifested in chili, a one pot meal of dried meat and chilies reconstituted with water and heated through. It packed calories, spiritual heat, and kept many a cowboy content during cold nights on the range. Farther south, all the way down to southern Brazil, there’s an analogous food history. There, men driving ox carts across what is now known as the State of Rio Grande do Sul, were known as Carreteiros, or coachmen. They too had a signature, portable staple – Arroz de Carreteiro – Coachmen’s Rice. Where Tex-Mex chili in its pure form simply blends meat with heat, arroz de carreteiro was initially just jerked beef, rice, and water, heated in an iron pot over an open fire. It was fast, easy, and filling, everything a gaúcho needed. The dried meat was known as Charque, a local specialty from the coastal part of the region. Today, a Gaúcho is what folks from Rio Grande do Sul are known as, and their signature dish has, like chili, grown to something more than its humble origins. Arroz de Carreteiro is made with other cuts of beef, even leftovers, for which the dish is ideal. It’s still a hearty, savory, delicious meal, even way up here in Los Estados Unidos. This is, in fact, a fabulous dish to make camping, over coals from a real fire – that combination of cast iron and wood-fired heat is pretty unbeatable. If you go that

road, you’ll want 75% of your coals under the ditch oven, and 25% on top. Finally, this can also be made with wild rice, and that makes things a whole ‘nuther level of amazing – The complex, smoky nature of really good wild rice makes an unforgettable meal. Ingredients: Serves 4 to 6 8 ounces Beef, (trimmed Chuck is my choice) 8 Ounces Long Grain Rice (or wild rice) 2 Roma Tomatoes 1 each Green, Red, and Yellow Bell Peppers 1 small, sweet Onion 2 Spring Onions 2 cloves Garlic

BOOMER HEALTHY EATING: Arroz de Carreteiro – Coachmen’s Rice Recipes and Photos from

Chef Eben Atwater

www.urbanmonique.com

Today’s BoomeR 21

2 Tablespoons Avocado Oil, (Peanut oil works well, too) 2 Tablespoons fresh chopped Parsley 1 Tablespoon Black Pepper Corns, (fresh ground is fine) 2 teaspoons Sea Salt 1 teaspoon Sweet Smoked Paprika

Optional: 1 teaspoon dried, hot chile flakes or powder Smash the garlic cloves under the flat side of a chef’s knife. Remove the peels and nibs. In a molcajete, (or mortar and pestle), grind together the garlic, salt, and pepper, then set aside for flavors to marry. Trim excess fat from the beef, and dice it into larger bite sized pieces, about 1/2″ square.

Rinse all produce. Stem and seed the peppers, peel the onion. Dice the peppers, onion, and tomatoes, (about 1/3″ pieces). Peel and trim the spring onions, then cut them into thin wheels. Chiffonade the parsley.

In a cast iron Dutch oven, (or sauté pan with a tight fitting lid), over medium high heat, heat the oil until very hot. Add the onions and sauté for about one to two minutes, until they begin to brown. Add the seasoned garlic paste and stir to incorporate. Add the beef and paprika; continue to sauté over high heat for two to three minutes more, stirring steadily, until the meat is evenly

browned. Add the peppers and tomatoes and stir to incorporate. Now add the dry rice to the mix, and stir well to incorporate. Add water until all ingredients are coved by about 1″ of water. Allow to mixture to come to a boil, stirring sparingly. Cover the oven or pan and reduce heat to low, just enough to maintain a simmer. Simmer for about 20 minutes, or until almost all the water has been absorbed. If the dish seems dry, or the rice a bit too chewy, add more water. Once the rice is nice and ten-der, serve piping hot, garnished with parsley and spring onions.

BOOMER HEALTHY EATING: Arroz de Carreteiro – Coachmen’s Rice

22 Today’s BoomeR

By John A. Vardallas Founder/CEO, TheAmericanBoomeR.com

Make Your Voice Heard to Ensure The Retirement YOU Paid For!

SINCE 2016 IS THE YEAR OF THE MONKEY-- HELP ME GET THE MESSAGE

TO OUR POLITICAL LEADERS NOT TO MONKEY AROUND WITH OUR

SOCIAL SECURITY SYSTEM.

CALLING ALL BOOMERS TO SEND A MESSAGE TO WASHINGTON

“SOSS”

“SAVE OUR SOCIAL SECURITY”

I WANT YOU!

URGE YOUR CONGRESSIONAL LEADERS AND PRESIDENTIAL CANDIDATES

TO PRESERVE THE SOCIAL SECURITY TRUST FUND!

BECAUSE TO US BOOMERS/SENIORS,

“ITS NOT AN ENTITLEMENT—ITS EARNED!”

DON’T MESS WITH SS!

YOUR NEVER TOO OLD TO MAKE A DIFFERENCE!

Show Your Support & Take the Poll at www.TheAmericanBoomeR.com

FF–– Being OldBeing Old

Today’s BoomeR 23

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24 Today’s BoomeR

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Today’s BoomeR 25

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26 Today’s BoomeR

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