Advantages To Aging Podcast

Never forget the events of 9/11/01! If you are anything like me you remember exactly where you were when 9/11 happened. That morning something was just off for me. I cancelled a meeting and proceeded to take a shower where I sobbed from the unease in my soul. I didn't even finish my shower when I got the news of the terrible plane crashes.

Such a tragic day! But you don't have to live in that sentiment. I think we owe it to the lives lost that day to yes, remember, but then reflect, and do better. I wanted to remind everyone to be peaceful and encourage you to step up to a higher level!

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To find me on social media: Debbi-Jo Horton

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Not everyone wants you to know about Life Settlements. Have you heard of this term? Did you know that 90% of all life insurance policies don't pay out death benefits? They usually expire, lapse, or get surrendered.

Options for your Life Insurance Policy:

• Keep it and keep paying the premiums
• Lower the death benefit so premiums are less
• Lapse and get the cash value paid outl
• ORRRRRR a Life Settlement - Sell It!

David Rosell is here sharing the pros and cons of going through a life settlement. There are reasons why a person would no longer need their policy due to life changes or simply can't afford the premiums anymore with the economy changing. He cautioned to educate yourself about the taxes and transaction costs going into the sale. He also reminded everyone that part of some is better than non of the whole.

This episode is chalked full of information for you to consider with your Life Insurance Policy as you age!

David Rosell is the President of Rosell Wealth Management in Bend, OR. He is the author of three books that you can find at local bookstores, Amazon, Audible as well as Redmond Airport.

To Connect with David: [email protected] or https://DavidRosell.com

David's Book: In The Know: Turning Your Unneeded Life Insurance Policy Into Serious Cash

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Investment advisory services offered through Valmark Advisers, Inc. an SEC Registered Investment Advisor Securities offered through Valmark Securities, Inc. Member FINRA, SIPC 130 Springside Drive, Ste 300 Akron, Ohio 44333-2431. (800) 765-5201. Rosell Wealth Management is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. Valmark Securities supervises all life settlements like a security transaction and its' registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Once a policy is transferred, the policy owner has no control over subsequent transfers and may be required to disclosure additional information later. If a continued need for coverage exists, the policy owner should consider the availability, adequacy and cost of the comparable coverage. A life settlement transaction may require an extended period to complete and result in higher costs and fees due to their complexity. Policy owners considering the need for cash should consider other less costly alternatives. A life settlement may affect the insured's ability to obtain insurance in the future and the seller's eligibility for certain public assistance programs. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information. Client name has been changed to protect confidentiality. The gross offer will be reduced by commissions and expenses related to the sale. Each client's experience varies, and there is no guarantee that a life settlement will generate an offer greater than the current cash surrender value.

Funny isn't it? We think personal growth is a tool to get ahead in business. The reality is as humans we get joy from the growth. We are hard wired to get that pay off for anything we do. It's a little trick the body plays on us. Good and bad. We talked all about this, the fulfillment that comes from pursuing personal growth, motivation, discipline, and accountabililty!

Bobby steps in to hold people accountable to their goals as a precision life coach. His immersive approach helps with this reward. He shared a little bit about the three things that hold us back... lack of clarity, lack of empowement, and fear. At the end of the day, you get the reward of telling Bobby you did follow through on the promise you made yourself. His education helps too because he understands how the brain works. He aids in healing not just accelerating in your goals.

Bobby Babak is a life coach and registered therapist. He loves working with motivated individuals who are passionate about personal growth. He empowers and enables them to overcome their biggest life struggles - be it weight loss, a painful relationship, or even growing in their career.

See for yourself what Bobby can do by schedule a consultation session with him, book now: 1:1 Coaching with Bobby Babek

Connect with Bobby Babak | The Precision Coach http://www.ThePrecisionCoach.com (516) 366-4615

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To find me on social media: Debbi-Jo Horton

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Ellie Anbinder's back, from Caregivers-WellBeing, with helpful tips if you are facing a loved one being placed in assisted living or they have passed. Once a loved one is no longer in your house...You have to move on with your life. Ellie realizes those are tough words.

She knows what it's like to lose a spouse and she can speak and support others from personal experience. You don't want to be stuck with their clothing, stuck with a room that is not functional, you just don't want to be stuck. Ellie has a three bag system she uses to help caregivers to take back their life. She offered a few nuggets of ways to have peace over the process and what the process is exactly!

Ellie Anbinder has always had an inquisitive and questioning part to her DNA; she always asks questions about the "non-obvious" in life and as she has lived her life, has had multiple careers which centered around asking the hard questions and working toward answers to those questions. Ellie became the frontline caregiver for her husband who was suffering from Alzheimer's. She noticed and lived through the loneliness and isolation of being a caregiver and started a consulting practice which provides a safe place for caregivers to discuss their questions and find resources to navigate through the difficult dementia process which affects not just the health of the patient but impacts the caregiver dramatically. CareGivers-WellBeing is this new mission.

To Connect with Ellie Anbinder: 508-380-2042 or [email protected]

You need to take care of yourself as a caregiver! The wellness from Neora Wellness Set can help and they've made it simple!

To find me on social media: Debbi-Jo Horton

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Such a tough call when to call it quits in a relationship. Timothy Sweets cautioned that if you have to ask if it's over...it's not. When it's over you can feel like a fool. Or sometimes we make foolish decisions because we are blinded by love. Timothy has seen it all through the years of his career as a divorce attorney. On the morning of this interview, he met with previous clients. These clients had been divorced from his services. They got remarried and had another child together. But this morning, he was seeing them to help with their second divorce! Makes you wonder how much money they could have saved by trying to work through things the first time.

Unfortunately, Timothy has a lot of business waiting for him. His advice was to think of what you can't live without and then go to court with those non-negotiables. This will save time and money and alot less billable hours!! And whatever you do cherish your children and realize they are here because of the love you once had with your spouse. "You are not allowed to hate your ex-spouse more than you love your child" from one of the judges in the RI family court.

To Connect with Timothy Sweet.: TimothyMSweetLaw.com or by email [email protected]

Visit Timothy in Person:

The Law Offices of Timothy M. Sweet 110 Main St. Ste. 303 East Greenwich, R.I. 02818 (401) 595-1665

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Never too let to "Let Your Divine Shine!" So silly that we focus on a weakness of ours and then compare it to someone else who is probably...their strength! Focus on your strengths. And guess what? If it's not a strength...yet...what is something you can do to improve that quality? A small step you can take towards change..all the small choices we make add up to life per Delinda, my guest today! And a positive attitude!

Delinda Layne is the author of Fun Fearless Female – How to Step into Your God-sized Dreams, which she wrote in her 60s. She's the founder of Fun Fearless Female, also in her 60s and formed a non-profit.

As a women's EmpowerMentor, she mentors women to Empower themselves. She helps us think differently so we can make better decisions and experience more success. It starts with one decision… one choice.

Delinda's mission is to help women realize their significance and value by encouraging them to stop the negative self-talk, believe in themselves, their gifts, and their value to their families and to the world... no matter what their age!

Connect with Delinda Layne: [email protected] or on LinkedIn @DelindaLayne

Freebie from Delinda: "Keys to Making Better Choices"

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Who says you have to sit on your front lawn and watch the days pass once you have retired? Most medical professionals say to stay active. Kristen Williams, with Riversedge Arts, suggested multiple ways to get involved. She also shared what it means to be a part of a task force, a committee, and the board.

Volunteering for a non-profit is a great way to stay active and add value to your life and legacy. It feels great to contribute to something you are passionate about that aligns with your values too. Finances are needed but so are helpful hands. Who knows you may even find a new friend or two. Volunteering lends to a sense of community, people who can relate to you.

Kristen serves as Executive Director at Riversedge Arts. Trained as a theatre practitioner and an academic, she has been by turns a director and playwright, a published poet, and a college professor. She holds degrees in Theatre, English, and American Studies from Rhode Island College, the University of Toronto, and the University of Maryland, College Park. Coming of age in the do-it-yourself punk rock scenes of Providence and northern Rhode Island, Kristen believes strongly in the power of creativity to draw out and amplify the unique strengths of people, landscapes, and cultures to produce powerful and healthy communities. In her free time, she is an avid reader, gardener, and amateur furniture-builder, and is never happier than when she is trailing behind her dog on a hike in the woods.

Donate today to Riversedge Arts

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"I can not get motivated to get to the gym"...tell us Jennifer Prell, how does someone combat that feeling or thought? Jennifer, President and founder of Elderwerks and encouraged everyone with all the benefits and different types of ways to move your body. She stressed that our muscles are like rubber bands and if you don't use them you will lose them. She was up to almost an hour on the rowing machine only to move to a new place, not get back into the routine, and now she's back to 10 minutes at a time. But she will keep working on it and build those muscles.

The good news is you can always improve your muscular abilities. Start with baby steps and work your way to longer amounts of time or more repetitions. At Elderwerks, they offer virtual classes for older adults to take advantage of to get moving. There are simple things you can do at home too that Jennifer mentioned in the event you don't go out much or are home-bound or bedridden. See, you don't have to hit the gym to stay fit!

If all else fails, put on your favorite song and dance!

To Connect with Jennifer Prell: [email protected]

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Dr. Green is back and debunking myths about Hormone Replacement Therapy! Dr. Green is speaking from many years of experience. There are so many myths women hear in their circles of influence but what is true? Finally, someone giving it to us straight! Are there any benefits to natural supplements? Is a saliva tests an accurate picture of what is going on? And so much more!!

To Connect with Dr. Green on LinkedIn: http://www.linkedin.com/in/mike-green-md-3b65a8110

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My guest, Susan Mazer, is here with a few tips on how to age. I know you are thinking "I don't need to be told how to age." But she brought up key elements to living in TODAY's world not in the past. As you get older road behind you gets longer and the less you'd like to see change. To stay motivated you need to stay relevant. When you know what is going on in the world you can converse with others. When you learn the latest technology you can stay connected to those you love! Susan had more tips you'll want to hear than just these!

Susan Mazer is the award-winning Co-Founder and former CEO of Healing HealthCare Systems (HHS). Susan has invested the last 30 years in improving the patient environment at the bedside by researching and presenting on environmental stressors that impact patient experience and outcomes. Susan has authored 4 books, 40 articles and whitepapers, and is a frequently sought-after public speaker.

Connect with Susan: [email protected] or linkedin.com/in/susanemazer

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