Confidence Wealth & Insurance Solutions February 27, 2017 1 Comment

Layoffs After 50: You Have Options

In order to carry a positive action we must develop here a positive vision.
-Dalai Lama

From the lunchroom to the nightly news, older workers are bombarded with stories of how hard it is to get a job after 50. This can be a demoralizing refrain. It’s especially scary if you depend on an income to survive because you don’t have enough in savings.

One mistake many people make is to turn to their retirement savings as a life raft. But, if you’re 50 or older, this could be a terrible move.

3 out of 10 people who lose or change jobs cash out of their retirement accounts.¹

An estimated 1.5 percent of assets “leak” out of 401ks and IRAs each year through early withdrawals, cash-outs or loans, according to a white paper from the Center for Retirement Research at Boston College.² Without these leaks, IRA retirement wealth would be 20 percent higher.³ This is a substantial amount for people on fixed incomes.

Apart from draining your IRA or 401k during unemployment, being out of work can hurt you in other ways, too.

The Center for Retirement Research⁴ reported that:

➢ The average older worker who loses her job has a reduced income of 15 percent a decade later versus her older peers who averted a layoff.

➢ Not only that, but her pension is worth 20 percent less and financial assets are also reduced by 30 percent.

Let’s put all of this doom and gloom into perspective. Although, it is tougher – in some instances – for older Americans to find work, it’s not impossible. In fact, there are dozens of resources out there to help you capitalize on your experience.

Many of you might be thinking: what about age bias? Yes, age bias exists – but so do companies and hiring managers who understand the value seasoned workers bring to the table.

And with the wonderful world of technology, there is a whole new job market that many people don’t know exists. Or, if they do – they don’t know where to begin.

So, before you touch that 401k you have worked so hard to build up, roll it over into an IRA or just leave it where it is – if you need help figuring out what to do with your investment, contact us and we’ll walk you through the next steps.

Now, let’s look at 5 job options you can explore today!

1. FREELANCE

View All

Back To Slide Show

Thought freelancing was just for Millennials? Think again. This is an entire world full of skilled, talented people of all ages and backgrounds who make money doing what they love – without ever having to leave their house. The world of freelancing is open to everyone from teachers and administrative assistants to engineers, voiceover actors and salespeople. There are many freelance job sites out there that will help connect you with employers. Here are a couple popular ones: upwork.com and freelancer.com
2. VIRTUAL AGENT

View All

Have you been on a website and a little box appears asking you if you would like to chat? The person you would be chatting with is called a “virtual agent.” They are probably wearing slippers, sipping tea and sitting in their living room. But, they will still do a great job helping you get what you need. You could be one of these people. Many reputable companies hire virtual agents as a way to up their customer service game. Needle is a fantastic resource for virtual agents. You can fill out an application right online: pincushion.Needle.com
3. TUTOR

View All

College graduates can make money working from home as a tutor. This goes for people over the age of 50. Tutor.com is one resource to find work making $10 per hour or more remotely. As all teachers know, college can’t prepare you for hands-on teaching – only experience can do that. So you have a huge advantage! Popular subjects include math, English, social studies and history.

Kaplan is another reputable employer that hires experts in a variety of areas to teach online courses. Subjects include software development, data science, UX/UI, IT, test preparation, finance and accounting, business, insurance, real estate, legal, healthcare courses and more. You can apply directly on their website: Kaplan.com
4. WRITING AND EDITING

View All

Good writers, editors and proofreaders can make a living working right from home. There is a growing need for content these days, so the demand for quality writers is huge. If you have experience writing or editing, you already have a leg up on your younger peers – as many inexperienced writers make rookie mistakes.

You might want to collect pieces you have written and create an online portfolio. There are many free sites out there, so you don’t have to spend a penny. It doesn’t have to be fancy either, just a place where employers can go to see your work. WordPress is an easy-to-use (and FREE!) DIY website builder. In some cases, samples aren’t required – you might just have to take a skills test. Check out Global English Editing (geediting.com) and upwork.com to get started.
5. SEASONAL AND PART TIME WORK

View All

If you want to get out of the house and interact with people, without having to rejoin the rat race, seasonal and part-time work might be the best option. There are so many jobs for people who are flexible in their hours and expectations. You could sign up with a temp agency and take jobs as they come or work part-time at a store, as a bookkeeper or as a museum membership agent. The sky’s the limit!
BOTTOM LINE

View All

Don’t believe the hype! Unemployment is relatively low for people over 55, according to the Bureau of Labor Statistics.

Recent data shows that the unemployment rate for people over 55 is just 3.2 percent; contrast that number with a whopping 16.1 percent for teenagers (16 to 19 years) – and older workers aren’t doing too bad.⁵

Of course, you might face hurdles as you get older – but so do recent college grads. Everyone has their own challenges they must overcome when job hunting.

It’s natural to feel anxiety if you’re unexpectedly let go from your job, but avoid making hasty decisions. Tapping into your retirement savings should be the last thing you do.

TAKEAWAY. Make a list of all your skills, stay positive and before you know it, you’ll have a brand new job – and your retirement savings intact.

¹http://www.cnbc.com/2015/02/25/top-reasons-for-early-retirement-account-withdrawals.html
²http://crr.bc.edu/wp-content/uploads/2015/02/wp_2015-2.pdf
³http://www.cnbc.com/2015/02/25/top-reasons-for-early-retirement-account-withdrawals.html
⁴http://squaredawayblog.bc.edu/squared-away/layoffs-after-50-cause-severe-losses/
⁵https://www.bls.gov/opub/ted/2016/unemployment-rate-3-point-2-percent-for-those-55-years-of-age-and-older.htm

Confidence Wealth & Insurance Solutions January 20, 2017 No Comments

Retiring Soon? This Could Mean a Major Health Boost, According to Study

The common refrain when someone retires is: “Don’t sit down!” A friendly – albeit foreboding – warning, to the newly unemployed, about not becoming a couch potato can be a bit of a downer. Other morsels of wisdom include: “Keep moving. Don’t sit around in your pajamas all day eating doughnuts. Find a hobby. Stay in touch with your friends.”
If you’re retired, then you have probably heard some, or all, of this advice.

In some ways, it’s scary to hear. You imagine yourself morphing into a motionless sloth who stops showering and forgets how to use a fork the moment you cash in that 401k.

The Best Is Yet To Come

Well, it turns out that retirees actually make positive health changes after they stop working, according to a recent study led by the University of Sydney.

The report, which surveyed 25,000 retirees, found that retired folks are more active, sleep better and curbed their smoking habits compared with their working counterparts.¹

This is exciting news for a lot of people who believe that retirement signals the end of a meaningful, vibrant life. In fact, the contrary is true. Retirees seem to be traveling more than ever before – along with quitting smoking and not sitting on the couch eating doughnuts.

Travel More, Sit Less

U.S. travel company, Overseas Adventure Travel, which creates adventure excursions for people who are over 50, has seen an increase in older adventurers. The company reported a 67 percent spike, over the span of ten years, in 50+ travel. Here’s another fun fact: AirBnB users, over 60 years of age, total more than 1 million customers.²

This adds up to a beautiful picture of retirement. It’s what we all imagine as we clock in to work every day.

So next time you go to a retirement party – be sure you shelf those tired warnings about being a couch potato and congratulate your newly retired buddy on a fun, fulfilling future!

10 Tips on Getting the Most Out of Your Retirement:

Plan Now! Create your retirement goals and make a plan to reach them.
Don’t Wait to Save. Forgoing a latte or new pair of shoes each day or week adds up – so keep one eye on the future (while the other one is on that new purse).
Take Advantage of 401ks. If your employer is matching your money, make sure you jump on that opportunity.
Get Healthy Now. If you get in shape now, by the time you retire you will have the stamina and energy you need to follow your passions.
Think about extra money you’re spending that you could be investing. Do you pay for a storage unit? That money adds up, while the stuff inside depreciates.
Create Healthy Habits. Just like investing your money for retirement, invest in good habits now so later they will be easier to stick with. Replace cookies and chips with fruits and gorgeous salads. Make time for a walk each day or a coffee date with a friend.
Stimulate Your Imagination Don’t wait for retirement to start a hobby. Start now! Even if you only have an hour a week to devote to it – whether it’s tennis or ceramics – jump in! By the time you retire, you’ll have connections and more time to spend doing the activities you already cultivated.
Meet With a Financial Planner A good financial planner can help you set up investments now and adjust them as you near retirement, so that you have enough money to enjoy your life without worrying about running out.
Geography As you near retirement, assess where you live. If you’re far from family and friends, you might want to consider relocating before or right after retirement. A good network of people you love, trust and enjoy being around can dramatically enrich your life.
Check Up On Your Investments Finally, don’t rely on anyone else to make sure you are on the right track for retirement. There’s nothing worse than saving your whole life only to find out at age 62 that your investments were all wrong for your goals… and you lost money. Don’t let “fake science” fool you into thinking you’re earning huge profits. Look at your bottom line – and always follow your gut. If you feel like you need a second opinion, then you probably do.

¹https://www.sciencedaily.com/releases/2016/03/160311105229.htm
²http://www.forbes.com/sites/lealane/2016/06/03/2016-research-shows-wide-range-of-retirees-preferences-in-travel/#22aead0c3bd5

Confidence Wealth & Insurance Solutions December 21, 2016 1 Comment

Setting Up a Support Network When You’re Unemployed

What is an unemployment support network?

An unemployment support network is a group of people, organizations, or resources available to help you cope with issues that unemployed people must face. Setting up a support network when you’re unemployed is important for several reasons. First, when you lose your job, your ego is likely to be damaged, and you’ll benefit from the encouragement and perspective that talking to others can bring. Second, if you plan on returning to work, you may need help finding a new job or exploring a career change. Third, if you’re an older unemployed worker thinking about retiring rather than seeking another job, you may need the advice of others who have experienced retirement firsthand. Whatever your reason for needing support, you can easily find it if you know where to look.

Emotional support

When you lose your job, you’ll most likely turn to your friends and family for emotional support. Another option is to find or form a support group (also called a self-help group) to share information and provide emotional support to one another.

Finding a support group

If you live in a metropolitan area, finding a local support group should be easy. Look in the Local or Community sections of your newspaper or contact your local community center, college, or university to see if it sponsors support groups. You can also try the American Self-Help Group Clearinghouse website www.mentalhelp.net for information on starting or finding a self-help group in your area.

Job-hunting services and assistance

Rather than go it alone, you may choose to find a job using an employment professional or a government agency or community organization. Some employment professionals will charge you a fee for their services, while others do not. Government job services are free but may offer only basic assistance. Community organizations may sponsor free or low-cost services, which are sometimes tailored to the needs of specific groups.

For-fee services

If you are having trouble marketing yourself, you might consider paying someone to help you. You can, for instance, hire image counselors to teach you how to dress professionally, rewrite your resume, target your job search, and rehearse interviewing. Or, in a tight job market, you might use a for-fee job placement agency. You sign a contract with the agency, under which you promise to pay a flat fee or a certain percentage of your first year’s salary and in turn, the agency promises to find you a suitable job. Whatever your reason for paying someone to help you find a job, be careful. Before you sign a contract, know what you’ll get for your money. How hard will the company work for you? What kind of guarantee does it offer? What specific services does it offer? In particular, check the company’s reputation. Make sure that it has been in business in the same location for several years, and call the Better Business Bureau (if the agency is a member) and ask for references or published statistics on its placement success rates.

Fee-paid services

Headhunters and recruiters: If you work in a high-demand occupation or you are a professional with a few years of experience, you may be able to find a job through a recruiter or a headhunter. In fact, one may come looking for you! Headhunters or recruitment professionals are usually paid by companies who use them to find qualified employees. Most headhunters specialize in finding employees in a particular field, and they expect you to be flexible. They may not want to talk to you, for example, unless you are willing to relocate. They also may not be interested in you if you are changing career paths or if you don’t match their area of specialization and requirements.

Caution: A recruiter can seem like your best friend when you are unemployed. Remember, however, that the recruiter is also a salesperson, and you are the product. Don’t be upset by a recruiter’s reluctance to talk to you unless you are a seasoned professional, and don’t be misled into thinking that a job offered through a recruiter is necessarily the best job for you or the only good way to find a job.

The temporary or permanent placement agency: Another type of fee-paid employment service is the temporary or permanent placement agency. You sign up with an agency and specify the type of position you are looking for, and it tries to match you with a job opening. You’ll work for the agency, not for the company unless the company buys your contract from the agency. This means that you won’t be eligible for any company benefits or perks. Some agencies specialize in placing candidates in a certain industry (banking, for instance) while others are generalists. A good employment service will be responsive to your needs, offer training and benefits (if necessary), and won’t mislead you about the jobs they usually have available. Some companies publish “teaser” jobs in the paper that probably won’t be available when you call the agency because they are designed to lure you in to fill out an application.

Caution: Although taking a temporary job is a good way of supporting yourself for a short time or even finding a permanent job with a good company, you’ll probably find that the pay is relatively low. However, you may be able to negotiate a better rate of pay if you are a good, qualified candidate.

Government agencies and community services

Your local employment office (where you apply for unemployment insurance benefits) may assist you in finding a new job, or there may be programs set up in your community to help displaced workers, low-income workers, senior workers, or veterans. Check your telephone directory under Job Services, Employment Services, or Social Services. Your local college or university may also sponsor career-counseling seminars or courses that are open to the public even if attendees are not enrolled in a degree program.

Outplacement assistance

If you have prior warning that you will be losing your job, you can do several things to make unemployment easier. First, if you’re being laid off, find out if your company has outplacement assistance. You may be able to attend seminars or speak with a job counselor one on one. Next, if you plan on looking for another job, ask about your current company’s policy regarding employment verification and references. If a potential employer calls and asks about your work history, what information will the company give out? In addition, are your coworkers or supervisors allowed to give professional and/or personal references? If you’re leaving the company because you’re moving or being laid off, don’t forget to ask everyone you know who might have leads on job openings for introductions to managers or executives at other companies.

Other job-hunting resources

The Internet

Many Internet sites are devoted to the needs and concerns of the job-hunter. These sites offer career counseling, networking opportunities, job fairs, and lists of available jobs (including on-line applications). Some popular sites are Monster (www.monster.com), Headhunter.net (www.headhunter.net), and the Career Resource Center (www.careers.org). When you’ve lined up a job interview, you can prepare for the interview by researching the company on-line under the company name. You may be able to pull up press releases, articles about the company, or even financial information. You may have to pay an extra fee for the latter. Information about public companies is readily available, while information about private companies can be difficult to find.

Libraries and bookstores

If you go to the library or a bookstore, you’ll find many books on job hunting and career counseling. These books can be quite useful, particularly if you’ve been out of the job market for a while or you need help in a particular area. You can also buy or read local and out-of-town newspapers that advertise jobs.

Friends, family, and acquaintances

One good way to find a new job is to tell everyone you know that you’re looking for one. Your friends, family, and acquaintances may know about jobs that are presently open within their companies or about job opportunities that might be available in the future. They may also be able to put a good word in for you with a manager or the human resources department. Some companies use a very formal process to hire (first open the job to current employees, next advertise the job to others), while others hire more informally.

Special considerations for retirees

There are many resources tailored to your needs if you are an unemployed older worker looking forward to a relaxing retirement, searching for volunteer opportunities, thinking about working part-time, interested in opening your own business, or facing health concerns. You can find support groups in your community or on the Internet to help you adjust to retirement. There are also a multitude of organizations set up just to help you find the resources and information you need.

Important Disclosure

Confidence Wealth & Insurance Solutions January 21, 2016 No Comments

10 Fun Activities to Do With the Family

Our families are very precious and we, as women, often go to the ends of the world to make sure that they are well provided and cared for. In today’s hustle and bustle however, the concept of family that used to prevail a few years ago is becoming lost. With the economy being so low and everybody in the family taking up jobs far away from the family home and kids leaving for schools in other states, the once close knit group slowly drifts apart.

The fact remains, however, that we won’t be able to understand the importance of family and taking some time out for the people we love, unless we don’t stop and take a breather first.

The members of any family, who spend time and participate in activities together, are known to build a positive outlook on life and their own self worth, children especially. After all, spending time together doesn’t require much. Activities don’t have to be costly or luxurious but they must be meaningful for the people involved. There are a number of ways that you, as a woman of 50 or above can enjoy time with your loved ones, i.e. your children, grandchildren, nieces, nephews and other members of the family as well.

10 Activity Ideas to Enjoy With the Family

This is why; when it comes to spending time with your family, experts suggest that mandatory family time should be scheduled at least once every week. When at a young age, your children are susceptible to the world around them. The following are some highly fun and creative ideas to make sure that your kids grow up into loving, caring, independent and positively driven individuals.

Bubble Catching Contest

This activity is one which includes the entire family and promises hours of laughter and amusement. You can make this into a competition; see who makes the biggest bubbles in the family and try to catch them with the round part of the bubble stick.

Evolving Story

This is a very fun and entertaining activity that can be enjoyed by the whole family. Attach some pages on a clipboard and write a single sentence. The sentence will be the beginning to a story, which will be taken over by the next person with the clipboard. Continue passing the clipboard to all members, until you come up with a short story. Read it out loud and laugh your heart out at the absurd and funny story. This is also a good time to regale your grandchildren with the stories you grew up listening to, too!

Camping Trip

Remember what it felt like, going camping as a kid, with the extended family? You can ensure that the children in your family get to feel the same by planning a camping trip! Be it in an RV or an authentic tent in the woods, this is one opportunity that will not only let the whole family explore the great outdoors but also share the experience with each other.

Dollar Store or Yard Sale Treasure Hunt

Take the whole family out for some inexpensive treasure hunting at a yard sale or dollar store. There’s no knowing what bargains you might find and at the end of the day, your slightly worse for wear pocket will be worth it.

Home Dinner and Movie Night

Having a movie family night is perhaps one sure method to bring the entire family together. Pick one night a week that works for everyone. Have everyone take turns picking a movie. You never know… you might learn something new from each other based on the movie choices!

Family Walk

This activity isn’t only ideal when it comes to exercising but is also ideal for spending time with your family; walking, talking, and just being able to enjoy the fresh air together. Not many people take the initiative to walk outside, in their gardens, the local park or the sidewalk; just for the sake of walking! Plan a walk or better yet, enroll the whole family into a charity walkathon where you can enjoy together and do some good for the needy as well.

Cooking Together

Cooking together with your grandchildren is a very good way to teach them about their culture, family values and the food that has been cooked in their family for generations. The kitchen can also become a place for experimentation, where your grandchildren might very well discover their hidden talents in the culinary arts.

Room Painting and Decorating

Looking at the same walls and décor for years tend to bring out negative feelings that quickly surround the entire home. This is why redecoration and repainting walls and rooms should be done from time to time. This too, can be taken up as a group activity, where everyone can give their input. You can help give the grandchildren give them their “dream room.”

Plant a Garden

If you have been thinking of picking up a hobby that can be shared with the rest of the family and your grandchildren especially, planting and working in a garden is a very good idea. You can even make this into a lesson about nature and teach your grandkids about flowers, edible plants, etc; as you work on your vegetable or plant garden together.

T-Shirt Painting or Dying

Start a home project of designing T-shirts for just about every occasion. For this, you will need fabric paints or dyes and lots of creative ideas and fancy designs to come up with the coolest, funkiest personalized T-shirts. They can also be given as ideal presents.

One thing to remember is, life doesn’t end after 50. In fact, the fun is just beginning with you being able to indulge in a variety of activities along with the future generations of your family, so enjoy this time to the fullest!

Confidence Wealth & Insurance Solutions January 5, 2016 No Comments

7 Easy Morning Routines To Help Stay In Shape

When most of us think about staying in shape, we picture a lot of hard work and exercise. We may picture an hour or more at the gym or a long sweaty jog. Guess what, it doesn’t have to be this way. These ideas will help you to stay in shape both mentally and physically. After all, part of our physical exercise is staying mentally fit as well.

You’ll find that when you’re physically fit, the rest of your fitness falls readily into place. From your mental outlook on life to your finances, if you are staying in shape, you’re going to feel great all the way around. These 7 tips will help you to streamline your morning with ease.

1. Get Your Sleep Number

No, we’re not talking about your mattress; we’re talking about getting the right number of hours of sleep. In order to start your morning off right you’re going to have to determine how many of hours of sleep your body requires. To do this you’ll need to take a few measures.

Start by planning out 8 hours of sleep. Go to bed at a reasonable time, let’s say 11:00 pm for example. This would mean that you get up at 7:00 am. Try this for a few days and see if you wake up feeling refreshed. Some of us may need up to 9 hours of sleep and others may be able to sneak by on only 5 hours of sleep. You may have to play with this for a week or so to determine what works best for you.

Once you get it all figured out start aiming for that amount of sleep on a nightly basis. You can’t stay in shape if you’re not getting the rest you need. Your body heals and recovers at night so be sure that you’re taking good care of your body by giving it plenty of rest.

Another trick to help you get to sleep is to cut out all electronics at least a half an hour before bedtime. This will help your body to wind down and start to relax. If getting up to use the bathroom at night is an issue you may also need to cut back on liquids after about 4:00 or 5:00 pm.

2. Stretch It Out

When your alarm goes off, slowly move to a sitting position at the side of your bed. This is your first mini workout. You’re going to take a few minutes and slowly start stretching. Begin with your toes and curl them up and slowly release them. Now move to your ankles. Twist your torso slowly to one side and then the other. Now stretch those arms up over your head and work your way up your body until you reach your neck. Do a few neck rolls and slowly stand.

Some people prefer to reverse the order of this and start with their head and arms and work their way down. Either way is fine just be sure to do it. By stretching you’re giving your muscles a few minutes to wake up and you’re getting the blood flow going again.

If you do this right you’ve just spent about 5 to 7 minutes getting your body stretched and the blood circulating. You’re now on your way to a great morning routine and staying in better shape.

3. Eat A Healthy Breakfast

It’s long been said that breakfast is the most important meal of the day. This is so very true. If you’re like many of us, you don’t bother to eat you just throw on your clothes and race right out the door. This isn’t healthy and you’re going to find yourself crashing within a very short time if you get into this habit. You’ll also be much more likely to overeat.

Start your day with a healthy breakfast that has some carbohydrates and protein in it. You don’t have to eat a lot, but do try to eat a little bit to fuel your body up for the day. If you simply cannot eat try a breakfast smoothie or shake. There are many to choose from on the market today or you could even create your own with your favorite fruits and veggies.

4. Your Work Out

Now that you’re all fueled up it’s time to consider your workout. You’ll want to create a workout routine that you can enjoy. For many of us this means something that will rotate. If you’re like many of us you get bored with the same old thing day after day so step it up and change things around. Here are some great workout ideas to get you started. Mix and match them or choose one per day for best results.

Go for a walk with a friend or friends.
Take the dog for a walk.
Run your errands but park farther away and walk the distance.
Walk to the grocery store or for the errands.
Do some aerobics with either a class, a friend or by using a video to keep you going.
Plan out a routine that has repetitive steps such as sit ups, pushups, jumping jacks etc. Do this for about 30 minutes per day.
Go for a bike ride.
Go swimming or do water aerobics.
Do some Yoga.

Remember, your exercise routine doesn’t have to be boring. It can easily be vamped up or down to accommodate you with your daily needs. Remember that if a routine gets boring it’s time to change it up. Your routine should be something fun and enjoyable that you look forward to.

5. Meditate

Schedule some time in to simply meditate and breathe in your day. We’ve found that when we do this we are rejuvenating and reenergizing ourselves. While it may seem counterproductive it actually is healthier and can help to lower blood pressure and ease stress.

Don’t focus on anything but your most serene picture in your mind and let your body relax. It is amazing how putting some meditation into your routine can become of your daily routine and help you to stay in shape physically, mentally and financially. When you take time to focus on nothing but relaxing you allow your body to reduce stress and you can realign your body with your world.

Staying in shape requires many steps and learning how to relax is just one of the many steps that we use to stay in shape.

6. Do The Most Challenging Things First

As you begin the rest of your day decide which tasks are most challenging and get those done while you still have the energy to do them. This is also a great way to stay in shape as it will help you to mentally get them out of the way. You won’t be stressing about them or worrying about any of the small details.

By channeling your energy first thing you can often get more done and save the less intensive tasks for last. If you do something challenging at the end of the day you’ll stress about it all day long. This is very counterproductive to staying in shape.

7. Pre Plan

The last step for easy morning routines to stay in shape is to pre plan tomorrow. Take a few minutes each evening to pre plan your next day. You may wish to set out your clothes for the next day. You might want to write out a list of things to do and organize the list into what is priority and what is simply something that you can do whenever you desire.

When you pre plan you can focus more on your day and enjoying it rather than worrying about what you might need to do next or may have forgotten. As all of these steps become habit in your life you’ll likely find that you actually have more time on your hands.

When you take the time to focus on more challenging tasks earlier in the day when you have the energy you’ll find that they take less time. When you make out your list the night before you’ll find that you have more time in your day. After all of this becomes routine you’ll realize how much time you’ve been wasting on things that you didn’t need to.

Staying in shape is easier when you use these tips and focus more on what life is all about. You’ll find that your body, mind and finances are all in better shape when you adopt a routine like this. It took most of us about six to eight weeks to fully adapt to this new routine but once we did we found that we had more energy than ever before.

(310) 824-1000