Uncategorized

BOOMERS: PRAY, HOPE AND DON’T WORRY

th (2) 

I looked in the mirror this morning and thought to myself when did the years creep up on me?  I was a toddler yesterday now I am my father’s age when I was 16 years old.  When I get together with other Boomers I hear the same story from everyone.  Their daily concerns revolve around the aches and pains they feel now but never felt before, college tuition, unmarried kids still at home, boomerang kids that came back and can’t leave, aging parents, tough bosses, in peril jobs, the lists go on and on.  These are very real fears, anxieties and concerns.

They look and feel exhausted, worn out and worried.  They are weighed down.  Women, the traditional care-takers and still the ones primarily that carry the heaviest load of responsibility are not the only ones that feel the pressure but they seem to have more weighing on them.  The men do as well, especially if they are the bread winners and are concerned over ageism managing them out of their jobs.

What can you do?  Well the root of all this is fear.  Fear is usually not your friend unless you are swimming toward shore with a shark in tow – then the fear adrenalin rush is your friend.  Many of us feel like that though, especially with looming concerns. 

Jesus is quoted as saying “But seek first His kingdom and His righteousness, and all these things will be added to you. So do not worry about tomorrow; for tomorrow will care for itself. Each day has enough trouble of its own.”  The gist of this good advice is that worrying is useless.  The first part really refers to prayer and trust in God.  The second part is that worry can’t change anything.  One way to allay fear is to prepare.  When a storm is coming the media scares people silly, however, some intelligent reporters allay fears by giving advice on how to prepare to weather the storm and maybe even enjoy yourself while the lights are out.  An ounce of prevention is worth a pound of cure.

Here are some suggestions to help with the pressures of life.  Preparation is key.

I always recommend prayer.  I pray with my wife before making financial decisions and really before I undertake anything.  I ask for Wisdom, guidance and help to make the right decisions.

I make lists of what I want to do.  Every January I update all my information.  I have files and paperwork which give clear directions and roadmaps to assets, medical, contact numbers, passwords etc…  That way if I kick, whoever has to get things in order will have an easy time of it.

Boomers have so much to contend with and very little time and energy to do what needs to be done.  I pick a Saturday that is rainy or snowy or if I have a vacation day available during the week or a lazy Sunday I use it to sit down in my home office, pull out all the paper work I need to update and enjoy a cup of coffee and a good radio station while I organize.  It is quite peaceful.  Lock the door and tell everyone you will be busy for two hours.  No cell phones.  No interruptions.  I know, I know, easier said than done but Boomers can do anything they put their minds to.

OK – first things first.  Organize yourself, then you can organize parents (if need be) and kids.  I use an excellent resource from CSA which I will be happy to email to you upon request called the Information for Life Kit.  It is a pre-printed guide with fill-in forms for all your important information.

 

Some Suggestions on Organizing Your Life

1.    Everyone should have a will.  It is relatively inexpensive to have a lawyer do it or you can download one from the web.  Check the internet for your state’s requirements on what constitutes a valid will.  I think it is worth having an attorney draw one up;  I can provide web sites that will suggest attorneys and other professionals upon request;

 

2.    Everyone should have a Living Will;

 

3.    If your assets are considerable speak with an Elder Care attorney about establishing a Trust;

 

4.    Create a list of assets, medications, doctors’ names and addresses, phone numbers, passwords, instructions etc… (E-mail me and I will be happy to email you back a copy of the Information for Life Kit by CSA);

 

5.    Boomers should look into long term health care insurance.  My wife and I are planning on applying now while we are healthy.  God willing we will never need it.  Many Boomers are looking into Long Term HealthCare Insurance.   In short this is the definition as provided by CSA:  “Long-term care is care that is provided for a wide range of medical, personal and social services for an extended period of time. Your health care professional determines that you have a chronic problem, lasting 90 days or more, and you will need substantial assistance. Care levels include assistance with daily activities, home health care, adult daycare, care in an assisted living community or nursing home. Supervision at home or in a facility is included if you have a severe cognitive impairment – memory or reasoning loss. Long-term care is intended to maintain and support an individual’s existing level of health, to preserve his or her health from further decline or to manage a deteriorating condition as safely as possible.”

 

6.    Everyone should consider their current health issues and those of their aging parents and how they may progress for the better or worse.  If for the worse then a plan should be put in place to arrange for home health care, paying of bills, laundry and house cleaning, shopping and meal preparation.  Family members should all have roles (it should never fall on one child if there are siblings).  Impose on your children and siblings if they are reluctant.

 

7.    Plans to care for pets should also be made;

 

8.    I would also suggest funeral arrangement preparations (at the very least buying burial plots);If a religious service is desired, prepare a request list to be carried out;

 

9.    De-clutter.  I am a big believer in de-cluttering in general.  Every year we de-clutter and get rid of stuff we haven’t used in at least 6 months.  The good things get donated to charity the garbage such as old paper documents and things that are not salvageable etc… are tossed.  There are actually services that will help you de-clutter if you need it.  They are reasonably priced and are very popular these days.  Trust me that old clock that hasn’t worked in 15 years gathering dust in your basement is NOT worth keeping. 

 

10.  Sell your old jewelry, especially if you think it will be a bone of contention when you pass.  Use the proceeds to take a trip.

It is very important to nourish yourself in body, mind and spirit.  Don’t wait for a New Year to make a resolution.  Make little resolutions every day, nothing big.  Big ones always fade.  For example don’t take on a diet that will make you unhappy just eat healthy once or twice a week.  Make it fun.  Exercise is always a hard one for me.  I try to do something exercisey every once in a while.  Maybe make it a point to exercise twice a week be it a walk around the block or a walk on the boardwalk in Spring Lake.  I enjoy bike riding at the shore or the Manasquan Reservoir.  Have some alone time (even if it is just a good soak in a hot tub).  Make a list of books to read over the summer.  Go out with friends. Enjoy life.  Enjoy friends and family.  Pray, golf, fish, travel, eat out, exercise, go dancing, have a cocktail party with a small group of loved ones, take up a new hobby, mend broken fences, and reunite with a relative you haven’t seen or spoken with in years.  Take time to forgive old hurts and then forget them (easier than you might imagine).  The Boomer years can be the greatest years.

My wife and I love going disco dancing these days at the Battleground Country Club.  I lovingly call it 54 on Geritol but it is a great experience.  For a couple of hours twice a month we are kids again, with other Boomers who are kids again too, if only in our minds.

You don’t need a ton of money to enjoy these years, you don’t have to be in perfect health all you need is to make a personal decision to do it and have fun.

Live la dolce vita.  Padre Pio used to say – “Pray, hope and don’t worry.”  Try it – it works.

 

 

 

 

Standard
Uncategorized

SAGEING NOT AGING…BABY BOOMERS

ImageSageing rather than aging.  This is the new mindset of people entering the next stage of life.  The BOOMERS.  What a great generation.  What a great club to belong to.  I personally love the idea and the characterization of the new lifestyle of Boomers.  Although I am considered a Gen X, I am on the cusp of being a Boomer having been born in 1965 and quite honestly I think of myself more as a Boomer.  I relate to the Boomers well and fancy myself a Late Boomer (pun intended).

We always looked up to our elders when we were kids.  Sometimes the elder was our 30 year old school teacher or 50 year old President or our 40 year old dad or mom.  They were wise.  They were our sages.  Recent movies have various Sages be it a Yoda character, a Marlon Brando Godfather figure full of wise advice for his children, a religious figure or even our children or grandchildren can at times come out with “sage advice”.  But we, the Boomers have risen to that next level.  We are the sages of this generation and that is why I love the recently coined term Sageing.  Sageing not aging.  A sage is wise and introspective.

Sageing is introspection simply put.  It is utilizing our years of experience and doing something for ourselves.  Opening a business we always wanted to open perhaps or taking up a hobby we never had time for or sharing our wisdom with kids in a classroom setting or via a webinar or YouTube.  It might be writing a novel or cookbook.  Playing golf or just watching the grass grow.  It will be whatever you want it to be.  After all we are Sageing not aging.

Live life to its fullest the best way you can. My dad always says “knowledge is the key to success and power”, that is sage advice.  I am offering resource information free of charge to anyone interested.  No charge.  No catch.  Please feel free to email me and request my list of “Boomer Websites” or one or all of the following Certified Senior Advisors Guides:

“Information for Life Kit” with attached forms to fill in providing you and your family members with vital information on finances, medications, asset lists, medical advance directives and so much more.  This booklet has been invaluable to me and my family. 

“BASICS” – things you need to know about Social Security, Medicare Supplements, Medicare, Medicaid, In Home care, Long Term Care Insurance and Senior Housing; and for our Vets –

“Understanding Veterans Benefits” a resource for Seniors. 

I am not selling anything. These resources from CSA are provided free to you.  Knowledge is a powerful thing.

I am a licensed REALTOR® Associate with Exit Prestige Realty in Freehold.  I serve the people of Monmouth and Ocean Counties.  If you are planning on buying and/or selling a home contact me for a free Comparative Market Analysis and consultation.  You may contact me by phone, my cell is 732-492-7126 or e-mail me at sellfast@edwardmonti.com or visiting my web site at http://www.edwardmonti.com/

 

Have a great weekend and love life – it is good.

Standard
Uncategorized

PRESS RELEASE

ImagePRESS RELEASE: Howell, New Jersey

February 22, 2014 – Edward Monti, REALTOR® Associate with Exit Prestige Realty serving home sellers and buyers in Monmouth and Ocean Counties, has been awarded the Seniors Real Estate Specialist (SRES) designation by the Seniors Real Estate Specialist Council of the National Association of REALTORS (NAR), REALTOR® University. 

This designation is only given to agents that successfully complete a comprehensive course in understanding the needs, considerations and goals of real estate sellers and buyers age 55 and older.  The SRES course, designed and conferred by the National Association of REALTORS®, addresses topics such as distinguishing characteristics and trends related to the 55 and older population, housing, finance and retirement income considerations of those consumers; outreach methods for building 55 and older clientele; and counseling strategies to help clients and customers (and their family and friends) plan ahead for life transitions.

Ed has over 11 years in the real estate industry working as a paralegal, buying and selling homes and in real estate speculation.  Additionally, Ed has worked in the financial sector for over 17 years and as an entrepreneur for more than four years.  Ed enjoys serving the people in his community and beyond and has reciprocal relationships with industry experts and REALTORS® throughout New York and New Jersey.  He looks forward to helping the people of Monmouth and Ocean Counties realize their real estate dreams.  Ed resides in Howell, NJ.  You may contact Ed by cell at 732-492-7126, e-mail at sellfast@edwardmonti.com  or by visiting his web site at http://www.edwardmonti.com/

Standard
Uncategorized

DOGS MAKE A HOUSE A HOME

EDDIE - WIN_20131117_000550DOGS MAKE A HOUSE A HOME

By:  Edward Monti

November 16, 2013

What makes a house a home?  A dog of course.  The great American ideal is still a happy husband and wife, 2.5 kids and a dog.  Dogs rule, no matter the makeup of the household be it a modern family, a couple sans kids, single parents, a single person household whatever.  A dog brings life to a home.  It rounds out the family and brings joy.  I love my baby.  Everyone I know that has a dog smiles as soon as you ask about the dog.  It is an amazing thing.  No matter what’s going on.  As soon as you ask, a big smile comes across their face as if they were actually in the presence of their baby.

It might be a primitive attachment we both have in our DNA that goes way back to when ancient man first started cohabitating with dogs, hunting with them and using them for protection.  Man has a long relationship with domesticated dogs which some say originated in China.  Be that as it may dogs are such a special part of our lives.  They really are God sends in so many ways.

When we were looking for our new home we were searching for a home which would meet the needs of the human inhabitants as well as our family companion.  We wanted room to roam, a fenced in yard, trees, a park to bring him to, a beach close by, a dog park too and no steps getting into the house so when he became a senior citizen he wouldn’t have issues going for walks.

Finding that perfect home includes Fido more often than not.  If you are looking for a new home and your dog is a big consideration make sure you let your REALTOR know.  After all they may have a little bundle of joy themselves.

Happy house hunting.

Standard