Archive for July, 2009

Lavender and Grief

This week has been full of surprising passages — Farrah Fawcett, Michael Jackson and several others who are loved and revered by millions. Both those close to these individuals and people all around the world mourn.

Flowers can help us in many ways to let go of grief and shift to feeling the free flow of love again.

Lavender has a slightly different approach to helping ease our feelings of grief.

In this month’s AARP magazine, there’s an article about Irish Lee Underwood and her life-transforming experience with lavender. Her daughter had been dead for seven years when she stroked a piece of lavender she was harvesting and “the cloud of grief that had hung over me lifted.”

So, what’s at work here?

Two things: 1. She had a readiness to release her grief. 2. Lavender provided the portal.

The true portal is beauty and finding and experiencing beauty. Lavender shares its beauty on many levels, addressing most, if not all, of our senses — their visual beauty, their sweet fragrance (which is intensified by being handled or crushed), their delicious flavor, and their velvety softness.

So, when we EXPERIENCE the tiniest little bit of beauty, when it penetrates out awareness/consciousness - whether through site or sound or smell or in whatever way - it can disintegrate the entire “cloud of grief” in one fell swoop — much in the way a tiny pin-prick pops a bubble.

And, lavender has a very intense fragrance that can penetrate the veil when other beauty does not register.

So, when you are ready to move beyond grief, consider lavender in all its beauty.

Lavender Affirmation:

I experience and enjoy the beauty of the world around me in so many ways.



In Joy and With Love,

Katherine C. H. E.

Cultivator of Joy

www.CultivatorOfJoy.com



Would privatizing Social Security save the fund from drying up. Your thoughts on Privatizing Social security?

WASHINGTON — President Bush tried and failed to fix Social Security’s long-term finances with his own party in control of Congress. His determination to keep trying, even as Democrats take over, is fueling speculation that he is ready to meet their price for coming to the bargaining table: dropping his goal of letting workers create private retirement accounts.

While Democrats don’t take over the House and Senate until January, already some in both parties are reading tea leaves for signs of administration flexibility, including in recent remarks by Treasury Secretary Henry Paulson and White House Chief of Staff Josh Bolten.

For Mr. Bush, private accounts are a way of reducing Social Security’s future obligations, and central to his concept of an ownership society in which Americans rely less on government.

Democrats, along with the seniors group AARP, oppose personal accounts because they would initially require heavy government borrowing, and could leave future retirees at risk of market downturns.

I’m 45 years old! When will I be A Senior Citizen?

I’m not kidding! I just want to know when Senior Citizenship kicks in for someone my age? My family keeps calling me old man and I swear to you I get AARP stuff in the mail! I started receiving it when I was 32! Talk to me! Thanks!

Getting Back to Work! Secrets for Boomers, Seniors and Retirees to Landing that Job

Boomers, seniors and retirees are returning to the workplace in droves. Many believe that they are up against insurmountable barriers like unemployment figures, age discrimination and technological deficiencies (shortcomings). They perceive resistance among employers regarding over-qualification and earnings demands.

They sense that the younger public has accepted as truth various misconceptions about older workers. Despite these perceptions, research from agencies such as the Department of Labor, the American Council of Life Insurance and Andrus Gerontology Center is indicating that workers that are 50+ possess work ethics that are highly desirable to employers.



What, then, can boomers, seniors and retirees do to increase their success at landing a job?


1. Do your homework. Learn the latest in technology skills. Take adult education or online classes to give the impression that you are in sync with the rapidly changing technological advances. And read Michelle Goodman’s Seven Mistakes Job Hunters Older Than 50 Make

2. Study AARP’s excellent articles beginning with Job Tips for 50+ Workers

3. Write a clean, well-constructed, convincing resume

• Using correct terminology (search job descriptions for assistance).

• Indicating all your skills and expertise pertinent only to the position you are applying for.

• Eliminating “References available upon request” from the resume. The employer makes this assumption.

• Emphasizing experience, skills, talents and expertise.

• De-emphasizing dates.

• Ensuring that there are no spelling, grammatical or typographical errors.

• Mailing or sending your resume early to the head of the human resource department.

4. Prepare for your job interview

• Your interviewer will probably be younger than you are. Treat him or her with respect.

• Practice your interview with a younger person.

• Dress and groom yourself appropriately.

• Be ready to explain why you’re applying for a job below your level of expertise.

• Research the company you are applying to.

• Follow up your interview with a thank you note.

5. Make use of tools that search specifically for companies that are committed to hiring older workers like:

SeniorJobBank -http://www.seniorjobbank.org/

Workforce50 -http://www.workforce50.com/

RetirementJobs -http://www.retirementjobs.com/index.html

RetiredBrains -http://www.retiredbrains.com/

Seniors4Hire - http://seniors4hire.org/

Jobs4.0 -http://www.jobs4point0.com/

6. Locate companies which are agreeable to hiring older workers by considering AARP’s 2008 lists of the best Employers for workers over 50 in the United States and internationally

7. Take advantage of government training and employment opportunities at:

a. The Senior Community Service Employment Program- SCSEP trains and places qualifying seniors.

b. Senior Environomental Employment Program- As part of the United Environmental Protection Agency, (SEE) hires seniors for temporary, part-time, and full-time positions to help EPA improve the environment.

c.CareerOneStop- Sponsored by the Department of Labor this site assists job seekers by giving help with personal assessment, career options, education and training leads, resumes, interviews, networking and job availability.

8. Don’t forget the nonprofit sector for job opportunities:

a. Action Without Borders runs a website which matches volunteers and paid individuals with over 57,000 nonprofit organizations that are interested in improving their communities. “AWB is independent of any government, political ideology, or religious creed.”

b. Older volunteers find that Peace Corps is a wonderful way to “give back” to the world while gaining valuable benefits for themselves.

9. Use your old job and turn it into a new career, such as substitute teaching or tutoring.

10. Turn your hobby into dollars: If you’re handy around your own house, why not get paid for it by assisting others?

An America United Like This Will Die

You may have heard the commercials being run around the country sponsored by the AARP as part of their “Divided We Fail” campaign. If you have not had the nauseating displeasure of hearing these ads, here is the deal. The goal of these advertisements is to demand that questions be asked of the Presidential candidates as to exactly how much more government they will impose on us because there are people in America that are not, perish the thought, happy.

Of course this whole campaign is not so blunt because the obvious response by most Americans to such a claim would be, “Well la-dee-freaking duh! Join the club!” As Benjamin Franklin once said, “The Constitution only gives people the right to pursue happiness. You have to catch it yourself.” As liberals are famously often heard saying, “Constitution? We don’t need no stinking Constitution!”

The “Divided We Fail” campaign is all about, in a nutshell, adding yet another soon to be bloated government entitlement to the books – taxpayer funded universal health insurance. To further that goal the AARP has been actively soliciting sob stories from anyone that is willing to sell their soul and make heart wrenching commercials to further the expansion of Marxism in America and aid in the destruction of our Constitution. Their thought is that you would have to be a complete jackass to dare even criticize any of the messengers they have found who aren’t *sniff* happy.

Hey, what do you expect? The core constituency of the Association of Anti-American Retired People is, after all, suckling at the largest teat of the government pig and digesting billions of unconstitutionally collected tax dollars each year in the form of Social Security, Medicare, etc. So why wouldn’t they feel it would be a good thing to do more of the same?

Unfortunately for the AARP, it takes a lot more than a sob story to make me feel like holding my tongue. I care about the truth. And the truth is that the AARP is about as despicable as they come. They are trying to destroy America by turning us into a full blown nanny state, as compared to the half blow one we currently have, that would rival all the great top down schemes of the past. The same schemes mind you that have failed utterly and collapsed under their own gluttony.

In one commercial, for example, you’ll get teary-eyed as the woman that is featured discusses how she and her husband both work and have spent every spare dime taking care a son with autism. They just want the best for him. So noble – so brave – so worthy of our compassion. At this point you really want to help her. Your hand might even be moving towards your wallet to see how much you could spare to donate.

But then her story continues and you know that you better stop your hand before you get taken for a ride. She begins to bemoan how they have no savings to speak of at the age of 48 and can’t even think of retiring. You now realize that her story isn’t one about how she and her husband are not able to provide the best care for their son but a sob story about how she isn’t getting what she wants out of life and is not, in essence, happy.

Well boo freaking hoo. I know, how “mean” of me right?

Hey, I’d like ten million dollars and never have to work another day in my life. But I don’t have that luxury. We all have bills to pay and choices to make about where our money goes. Her choice, which is the correct one, is to take care of her son at the expense of her own future financial well-being. But what she is doing by signing on to the AARP’s campaign is trying to convince Americans that they should let government help her retire. That is despicable and quite frankly I’m calling it what it is; anti-American.

Why is it despicable and Anti-American? Because being able to retire is not a right and ensuring that she should be able to certainly is not a role of government. Read the Constitution. It’s not like it’s not widely available!

Sure, being able to retire might make her happy, but she made her choice that helping her son made her happier than saving for retirement. But while she is happier, she apparently still is not “happy” enough. That’s where you come in. You should pay for her son’s health care so that she can save for retirement and be happy. But then the obvious question becomes who is going to pay for your retirement when the money you were previously saving now goes to her benefit?

Don’t ask that question. You are just “mean” if you do.

But it’s really not cruel or mean to suggest that she could just do what the rest of us do when we need money. She could work. Ok, so it’s not a pleasant thought to be working when you are 80 years old because you need money to pay the rent and buy food, but for other people it might not be a pleasant thought to be 20 years old and have to do the same thing.

That 20 year old who doesn’t want to work may want to live without working in his early retirement and who are you to say that he doesn’t have the right to retire at such an early age even though he doesn’t have the money to do so? It would make him happy damn it! It’s the same flawed “logic”.

Now, you might come up with all sorts of illogical reasons as to why a 20 year old with no savings should not be allowed to retire while an 80 year old with no savings should. And I’m sure some of you are already justifying it in your own minds. But no matter what you do, no matter how hard you try to rationalize it, no matter how fast that little hamster in your head runs in its wheel, you are setting an arbitrary standard and not treating everyone equally.

Unfortunately, too many people have decided that indeed there actually is, somewhere, a right to be happy despite all evidence to the contrary. Perhaps if we squint really hard we’ll find it?

This right to be happy apparently encompasses being able to retire at a certain arbitrary age whether or not one has the money to do so, get government provided health insurance paid for by other tax payers because one is owed it for all their years of hard work and service to the motherland, and so on.

Folks that believe like this feel that when tragedy befalls them and life knocks them down that government should answer the bell and help them out by taking money from someone else. And if you dare disagree, just remember that government has lots of people with lots of guns and the ability (not the authority though) to make your life miserable if you even question their right to act in such a way. And believe me, they really do have got what it takes to take what you’ve got. All in the name of compassion of course.

Because … well because everyone has a right to be happy after all. Whether that “happiness” is retiring at some point and never having to work or having other people pay for their medical expenses is really a moot point. What matters is how each person defines happiness and how dare you be a heartless bastard for not feeling sorry for them for not being happy, opening your wallet and letting them be happy.

Yeah, that’s the ticket – you must be a fiend to not accept that everyone has a right to be happy.

What separates the Americans from these Anti-Americans however is simple. The Americans accept that happiness has to be caught by ourselves; that we have to hunt for it, stalk it, and sometimes come home from the hunt empty handed. People like myself, for example, take out tens of thousands of dollars in loans to attend college and actually commit to paying it back; GASP! We buy a smaller home than we want because it is what we can afford and don’t expect government bailouts because we haven’t over extended ourselves; DOUBLE GASP!. We wait six years before having a child to make sure we can afford it; OH GASP AGAIN! We even work two jobs to have enough money to put away and help ensure that in the future we have a higher likely hood of being happy; THUD!

What was that thud? Oh, that was just the sound of liberals everywhere fainting.

Americans, true Americans, never expect that happiness is a guarantee. But for some of us we get lucky and actually do find happiness. We have a beautiful and loving wife and a precious little girl that we would do anything for. The house, the car, the bucks in the bank, yeah, they help but that’s not what makes us happy. And here is the kicker - we do lots of things that make us unhappy to make ourselves happy. If you think I like working two jobs think again.

We Americans know that we may not get to a point where we can retire and never have to work again. The stock market might crash and all our investments may go buh-bye in the blink of an eye. Someone could break into our homes and steal everything we worked so hard for. Someone we care about might even suffer an unspeakable tragedy and it may wipe out our savings. But we still work towards our goal and we do whatever we can to get there because it would further our happiness if we made it.

But the Anti-Americans, the “American’ts”, don’t believe in such a course and certainly don’t like the uncertainty that they may work so hard all their lives and possibly never get to retire. So to get what they want they believe someone else should be forced to pay for them to be happy.

Maybe this is because the thought of actually having to ask someone face to face and personally for help and having to justify getting said help frightens them to death. They would just rather go to the faceless government, fill out a form and stick out their hand hoping to be deemed worthy. But the secret is that unfortunately for many who once thought that government was the answer to their happiness still get rejected. Either they make too much, their skin isn’t the right shade, they are the wrong gender or whatever.

Heaven forbid though that you do the right thing and what people have always done when they needed money. You know, keep working to support yourself? Not everyone crosses the finish line at the same time or even at all for that matter. That’s life and that’s America.

Ultimately however if the AARP’s “Divided We Fail” initiative actually works, convinces enough Americans that they do indeed have a right to be happy and that government should enforce that right at gun point America will become united. But it would be “united” America that would fail because it would be an America that has discarded the very basic foundation upon which it was built.

Go ahead and destroy the columns of a building and see how long it remains standing.

Health Insurance.Considering Your Options

Health insurance is on the minds of many Americans these days. Some are worried about losing their insurance benefits due to unemployment, some are concerned about how they will pay their health insurance premiums with the cost of everything rising and a third group is worried and asking the question Am I paying too much for my health insurance?.

Whatever boat you are in, there are some things that you need to be aware of when it comes to insuring yourself and your family. There are different options for you depending on your circumstances, so it is a good idea to know the options that you have available to you. Here are just a few of the possibilities for finding reasonable insurance for you and your family.

Health insurance funded or subsidized by the government - The government has many different programs which offer help to children, the elderly and low income families. Medicaid and Medicare are two plans which everyone has heard about, but not all can qualify for these. Most states offer programs for free or on a sliding scale for those who are in need of coverage.

Insurance through organizations or employers - Different groups like AARP offer health care coverage to their members. Another option is to form your own group for a group insurance policy. Some states allow you to form a group with as few as two members. In the past, the head of the household was responsible for having coverage for all family members, but in some instances it is more cost effective for certain family members to get their health coverage from their employer.

The most important thing to know when searching for health insurance is to study all the options and ask plenty of questions. There are some affordable plans available, but you will likely have to think creatively in order to find the right one for you and your family.

The specialists at GoHealthInsurance.com can provide you with multiple health insurance quotes in just minutes from leading carriers such as Aetna, Unicare, Blue Cross and dozens of others. If you are looking for Pennsylvania health insurance, let them assist you in this challenging and confusing chore.

Caring for Aging Parents

Who typically cares for mom and dad as they age? Research studies indicate that it’s mostly women, usually daughters that become the care-givers for aging parents. Recent estimates report that 34 million Americans serve as unpaid caregivers for other adults, usually elderly relatives, and that they spend an average of 21 hours a week helping out. One of the most important things you can do to help yourself and your family through this transitions is to plan ahead. So let’s take a look at some the issues you might be facing.

Increased Financial Burden

AARP estimates that unpaid caregivers spend an average of $2,400 a year on care for their elderly. Those who put in more than 40 hours a week spend as much as $3,888 of their own money each year. You will need to prepare for this either individually or as a family. One of the best ways is to have a conversation early on with your parents about what monies they have designed for retirement and how it can be accessed when needed.

The Emotional Consequences

Caregivers typically experience significantly increased levels of stress and restricted social activities. They report having one or more chronic condition such as high blood pressure at nearly twice the rate of all Americans. 91% report being depressed.

This is easy to understand if only one person is responsible for all of the caregiving. It’s important to manage these duties between several members of the family and/or friends if possible. If money permits, hire outside caregivers that have been carefully screened.

This is also a time of life when your parents aging can be the cause that unlocks your family’s hidden (or ignored) dysfunctions. Tempers may flare over seemingly inane situations - often about money. If need be, hire a third-party to come in and mediate family meetings. Someone has to remain objective with the eye on the primary goal of taking care of your elderly parents.

What becomes extremely important is how the caregiver communicates to his/her elderly. Getting old is hard enough and when children have to tell their parents that they are worried about them living alone, it can be uncomfortable for everyone involved. Where will your parents live as they age? How do you tell them that they can’t drive any more? No one prepares us for these kinds of conversations. Again, planning for the future is key to easing this process.

Talking to Older Parents About Independence

Unfortunately the issues won’t go away if you ignore them. So the best way to deal with these inevitable changes is to plan in advance - before any problems arise. A study done by AARP magazine found that most parents feel better about having this kind of discussion when things are going well.

When talking to your parents it’s ok to be direct just not confrontational. Always remember to notice how they are feeling (vs. how you are thinking or feeling or how you think they feel). For example, say to your dad, “My friend Paul’s father is giving up driving. How would you like to get around when you can no longer drive?” Or, “Mom, you seem unsteady on your feet. How can we protect you from falling and hurting yourself?”

Don’t be afraid to share your feelings about the life changes your parents are going through. Say to Mom, “You have always been so independent and I can only imagine how hard it is for you to ask for help. I just want you to know that I’m here for you whatever you need.”

If your parents are resistant to talking about their loss of independence, be assured that this is normal. They may tell you to mind your own business, so be patient and respect their feelings. You have to remember to keep treating them like equals. Make conversation another time unless the issue of their health or safety is at immediate risk.



You might need to hold a family meeting where everyone can discuss their concerns jointly and develop a plan that is agreeable for all. But make sure that your parents feel a sense of involvement and that they still have some control over their own lives. Listen to their opinions and recognize their right to help make decisions. Sometimes your parents will make decisions that you don’t agree with. You have to deal with that yourself. Make a list of the key issues you need to cover including money, living arrangements, activities such as yard work, doctor visits, and taking prescription medication.

Always remember to be kind. Not just to your elderly, but also to yourself if you are the caregiver. This can be a challenging period of life, but with acceptance and planning, it can go a lot smoother.

Additional Resources



Ideas for simple home modifications that can help parents remain at home http://www.aarp.org/families/home_design/

Resources for caregivers developed by the Administration on Aging

http://www.aoa.gov/prof/aoaprog/caregiver/caregiver.asp

A free searchable database of a wide variety of community services for older adults http://www.eldercare.gov/Eldercare/Public/Home.asp

An online directory of adult day centers

http://www.nadsa.org/

Books You Can Read

American Medical Association Guide to Home Caregiving

American Medical Association, Angela Perry (Editor); Wiley, John &Sons, Incorporated, 2001. http://www.amazon.com/American-Medical-Association-Guide-Caregiving/dp/0471414093/ref=sr_1_1?ie=UTF8&s=books&qid=1207873318&sr=1-1



And Thou Shalt Honor: A Caregiver’s Companion

Beth Witrogen McLeod (Editor), Bob Condor, Rodale press, 2002

Written for the caregiver with advice from experts and experienced caregivers on all aspects of providing care

http://www.amazon.com/Thou-Shalt-Honor-Caregivers-Companion/dp/B000GYI1VA/ref=sr_1_1?ie=UTF8&s=books&qid=1207873353&sr=1-1

For more information go to http://www.fishing-yellowstone.com

Lost Generation

for the AARP U@50 video contest and placed second It is based on the Argentinian Political Advertisement “The Truth” by RECREAR Thanks to joezandstra for posting it as a video response. If you would like more info about the video you can find it here www.youtube.com The two songs are Mind things Our Lifes, Our Destinies try ^ d Beauty both of which are available for free through the creative commons license and on the site www.jamendo.com … AARP you@50 Video Contest lost generation metro …

Retirement Jobs: Good News for Older Workers!

According to AARP, the mature work force is one of our greatest national assets.

Two important trends are making a big difference in today’s work force.

1. More and more people are expressing a desire to continue working later in life well past the normal retirement age.

2. Boomers are starting to turn 60 this year. Many of them are taking advantage of early retirement or looking to make other shifts in their careers. As a result, some industry sectors are experiencing labor shortages. Retiring workers often take with them irreplaceable institutional knowledge and experience.

Increasingly, companies are viewing older employees as a solution to their workforce needs. Many are developing effective strategies for appealing to older workers.

This coincides with the major reasons for working in retirement (according to research by AARP):

–need the money (61%)

–desire to stay mentally active (54%)

–need the health benefits (52%)

–desire to stay physically active (49%)

–desire to remain productive or useful (47%)

Older workers offer a potentially attractive solution to both short- and long-term staffing challenges. Making use of this growing pool of talent, of the collective experience and knowledge of veteran workers, is sound business–a plus for employers and employees alike.

So, what should you do if you’re at the point where you’re entertaining retirement employment? Here are three important preliminary steps:

1. Take the time to explore all your options. This is the time in your life to think outside the box.

2. Identify a variety of desirable employment opportunities. Don’t think only in terms of your resume.

3. Get introduced to decision-makers in those opportunities to discover firsthand what’s going on. Those non-interview, informal discussions can lead to job offers.

The final good news is that there is a proven system that can walk you through the job search process step-by-step and have you entertaining your next job in a matter of days. Turn your job search into the career adventure of a lifetime!

AARP TV: Ed Asner

Ed Asner describes himself as “still a child. Bewitched, bothered and bewildered.” Known to us as Lou Grant, he’s the familiar voice on hundreds of movies and, most recently, the Disney film Up!

This website (AARP Medical Insurance) is a collection of health related resources and articles for the public. Neither AARP or its affiliates are associated with this website. All information is purely for educational purposes.