Embrace Anti-Consumerism and Feel Like a Millionaire After 60

Anti-Consumerism Live Like a Millionaire After 60

“I don’t need it. I don’t want it. I’m not gonna buy it.” Say it three times and walk away. Say it and feel fabulous. You’re a part of a new anti-consumerism movement that will help you feel like a millionaire.

The anti-consumerism movement began as a reaction to the ‘haul’ videos prevalent on YouTube. If you’ve never seen one, here is the basic concept: A young woman (usually) sits in front of a camera with shopping bags filled with her ‘haul’ from a particular store.

She pulls out each item, describes it, says why she bought it, why it is so fabulous, and why you should have it, too. This huge trend has resulted in haul video channels and even videos on how to make haul videos.

Viral Consumerism

Haul videos are but one example of today’s viral consumerism. Viral as in virus, like a disease. Viral as in infection; consumerism has gotten to the viral point. A haul is not just one item but an overdose of purchase. A ‘spree,’ a ‘splurge.’

What’s the purpose of a haul video? To create envy, to demean the viewer and make them feel jealous, and to inspire purchasing. Brands love social media haul videos.

It’s free advertising by young people who have so many followers they are called ‘influencers.’ Often these influencers get their haul products free or are paid in some way so that they keep making more videos. It’s how they earn their living – by shopping for things they don’t need.

Meet Kimberly Clark, the Anti-Haul Queen

Say hello to Kimberly Clark. Not the paper company, but the drag queen. My millennial daughter turned me onto Kimberly Clark, an intelligent, eloquent individual with her own YouTube channel. She posts contemplative, insightful videos on a range of pertinent topics.

Kimberly says, “I want help to build a world in which we are not beholden to blind consumerism, unrealistic beauty standards and the patriarchy. Makeup can be radical as it represents the ability to progress and self-transform.”

The Anti-Haul: Why You Shouldn’t Buy Something

Kimberly began reviewing makeup products that she bought for her drag performances, and then gave it a second thought. She started an ‘anti-haul movement.’

In her anti-haul videos, she presents the marketing world’s top, ‘must have’ products and tells you why “I don’t want it. I don’t need it. I’m not gonna buy it.” She saves you lots of money and freedom from the clutter of products that will go unused and ultimately, tossed.

Anti-haul videos give you a good reason NOT to buy. And, they open your eyes to the power of marketing.

Desire Is Endless

Kimberly says, “Desire is endless, and marketing is made to create desire after desire. You want more, more, more.” Haul videos create envy. Wow, she has the money, she has every color, she must be better than me.

The Power of Marketing

“Consumerism is trying to part you with your money,” she says in her insightful Listen Up series on consumerism. “Haul videos urge you to buy; anti-haul videos give you good reasons not to buy.”

Three Gimmicks That Create Desire

‘Limited Editions’ are just bait. You think if you don’t buy a ‘special,’ limited edition that you’re missing out on something cool. Limited editions are created to jump start a fresh new desire and to create urgency. You’re missing out on nothing.

Beware of sales. Sales are where consumers make their biggest purchasing mistakes and why marketers are so keen on sales. Bottom line: don’t buy something just because it’s on sale. If it’s something you’ve been looking for, buy it. If it’s not something you’d pay full price for, don’t buy it on sale.

Do you really need that set? I wanted a tube of Elizabeth Arden Eight Hour Cream. Then I saw a set with the cream, a lipstick and a body oil for a few dollars more. “Wow, that’s a great value,” I thought.

When faced with sets, ask yourself, are you really going to use the whole set? Guess what, the answer is no. Don’t buy the eye shadow set with 30 colors. Are you really going to use it? No. Buy what you need and nothing more.

Shopping as Entertainment

In the old days, people shopped when they needed something. Today, shopping has become entertainment. You’re bored, you buy a lipstick. You’re depressed, you buy a dress.

Save your money and deal with your emotions in a healthier way: read a book, talk to a friend, cook a beautiful meal, write in your journal, make a phone call.

Bottom line: Buy what you need. Enjoy what you have. Feel good about not spending money needlessly and then having to KonMari your house. Save your money for something else, like a well-deserved vacation. Learn a language. Send your kids to college.

I hope you enjoyed this discussion of how to feel like a millionaire by not spending money needlessly! Do look at the video links I posted in the article. Check out some ‘haul’ videos and see what you think. I’d love to read your thoughts below.

The post Embrace Anti-Consumerism and Feel Like a Millionaire After 60 appeared first on Sixty And Me.

The post Embrace Anti-Consumerism and Feel Like a Millionaire After 60 appeared first on Best Homecare Tips.

Source: CareTips

How a Healthy Mediterranean Diet Might Reduce Inflammation and Pain

Reduce-Inflammation-and-Pain

Do you ever wake up feeling like you haven’t slept all night or with joints that hurt as you struggle out of bed? Me too.

These discomforts may be caused by ‘inflammaging’, chronic low-grade inflammation common in older adults, even in the absence of infection. Other possible symptoms of inflammaging are fatigue, a low fever, abdominal and/or chest pain.

Acute and Chronic Inflammation

Acute inflammation is a natural defense mechanism. When we are hurt, white blood cells flow to the injured area, release a chemical that stimulates blood flow and begin the healing process. This is how inflammation is supposed to work, and the way it does work most of the time.

Chronic inflammation is different. It occurs when things don’t operate normally – for example, when our adrenal glands elevate the levels of cortisol, a steroidal hormone that’s released when the body is under stress.

Immune system disorders such as rheumatoid arthritis, fibromyalgia, polymyalgia and lupus can send the adrenal glands haywire and cause chronic inflammation.

Causes of Inflammation

Even without those conditions, inflammation can be present, especially in older adults. Some cardiovascular surgeons believe that inflammaging represents a significant risk factor for diseases such as hypertension, diabetes, atherosclerosis and cancer.

Certain lifestyle factors are connected to inflammaging. Depending upon which research study you read, they include low activity levels, pro-inflammatory eating patterns, low levels of sex hormones and smoking.

I am intimately familiar with the challenges of chronic inflammation. I was diagnosed with rheumatoid arthritis when I was 50, recently adding polymyalgia rheumatica to my health file. RA targets the joints, and PMR strikes the muscle groups around the shoulders, upper arms, hips and thighs.

I’ve worked with my rheumatologist to find medications with minimum side effects, but PMR doesn’t respond to much of anything but cortisone.

I don’t smoke, and my sex hormones are in pretty good shape, so in order to reduce the amount of cortisone I have to take, I’ve been paying more attention to my activity level and my diet.

After a year of eating carefully and stepping up my three-day-week exercise regimen to include a daily three-mile walk, I can vouch for the effectiveness of regular exercise and healthy food.

I have written about the importance of exercise and mental stimulation after retirement, but the importance of an anti-inflammatory diet wasn’t on my radar until recently, when it seems as if everyone else was talking and writing about it. I couldn’t help thinking, “Is this just the latest food fad?”

The Mayo Clinic, my go-to source of research on PMR, also explains how a healthy diet can help reduce pain.

Eat Your Vegetables

I decided to try the Mediterranean Diet, which is the most popular approach to anti-inflammatory eating. There is no calorie counting with the Mediterranean diet, and no foods are forbidden.

Instead, you are directed to a very-easy-to-follow food pyramid, and two lists: “Avoid these foods” and “Include plenty of these foods.” The Harvard School of Public Health offers these guidelines.

Foods that Inflame

Avoid or limit these foods as much as possible:

  • refined carbohydrates, such as white bread and pastries
  • French fries and other fried foods
  • soda and other sugar-sweetened beverages
  • red meat (burgers, steaks) and processed meat (hot dogs, sausage)
  • margarine, shortening and lard

Foods that Combat Inflammation

Include plenty of these foods:

  • tomatoes
  • olive oil
  • green leafy vegetables, such as spinach, kale, and collards
  • nuts like almonds and walnuts
  • fatty fish like salmon, mackerel, tuna and sardines
  • fruits such as strawberries, blueberries, cherries and oranges

I quickly discovered why the Mediterranean Diet is so popular. The recommended foods are tasty, easily available and filling, and I didn’t miss the foods on the ‘avoid’ list.

Once I got past the sugar cravings, which took about two weeks, I found the diet easy to stick to, and I look forward to each meal. Even better, I started waking up feeling rested, and my joints didn’t hurt so much.

Even when I eat out, I can stick to the regimen; I just order a salad with added chicken or fish. You can start slowly, with one meal a day, like oatmeal or muesli for breakfast. Once you get your cupboards and refrigerator filled with anti-inflammatory foods, you can make this a permanent way of eating.

Editor’s note: Nothing in this article should be considered medical advice. Always consult a doctor before making any changes to your diet, medical plan, or exercise routine.

The post How a Healthy Mediterranean Diet Might Reduce Inflammation and Pain appeared first on Sixty And Me.

The post How a Healthy Mediterranean Diet Might Reduce Inflammation and Pain appeared first on Best Homecare Tips.

Source: CareTips

How to Make the Most of Your Money in Retirement by Wanting What You Have

Financial-Survival-in-Retirement-Annuities-and-Reverse-Mortgages-and-Bonds

Retirement can usher in a variety of mixed emotions with our financial stability being at the top of our list of concerns. Who can we trust? How should we manage our money?  How can I feel financially secure?

Join in our discussion as we ask these questions and more to financial expert Pam Krueger who has some great advice for women in retirement. Enjoy the show!

Author, talk show host, and financial expert Pam Krueger understands the decisions women face as they transition from working full time into what they hope will be the golden age of retirement. Her greatest piece of advice? Focus on the things that you have. Identifying your own unique set of circumstances will help you tailor a retirement plan that best suits your needs. Here are a few examples:

Good Health, Poor Savings

Many women approach the age of retirement and find themselves still quite healthy physically but in poor health financially. While it may be very tempting to retire, it may also become very disappointing when financial obligations cannot be met.

Pam suggests taking a moment to look at what you have. Do you have the ability to continue earning an income? You do! Does that mean you have to stay in the job you’ve had for the past 30 years? Absolutely not! Retirement is very often a transition from one job or career into a less demanding position that will still supplement your income and beef up your savings.

You may need to cut back on hours or take a lower paying position, resulting in cutting back your spending or downsizing your home, but the decision is yours to make. You get to decide if living on less while working less is the right option for you or if you need to continue working full time until your savings will carry you sufficiently into the retirement life you’ve been dreaming of.

House Rich, Cash Poor

If you find yourself nearing retirement with your house completely (or mostly) paid off yet you’re lacking the savings you’d hoped to acquire, you still have options. Once again, you need to identify your individual set of circumstances regardless of what your friends or neighbors are doing.

Are you emotionally attached to your home and planning to never leave it? If so, a reverse mortgage is an option that you can consider, though it comes at a cost. Essentially, a reverse mortgage allows you to stay in your home for the rest of your life while the institution pays you every month. Your cash flow will continue and you will always have a place to live, but your heirs will not inherit the equity that you’ve put into your home over the years.

The problem that many women face is that they believe themselves to be powerless over their circumstances and they forget that they are in control of their own money. They listen to their friends and family and believe they have no options other than the recommendations that have been made to them.

Being proactive and researching your options before you reach retirement is the best thing you can do for yourself and your future. Your hard-earned money is yours to manage and with a little help from the right kind of experts, you can make an educated and informed decision.

Adequate Savings, Undisciplined Spending

Let’s face it, many people are just not sure that they can trust themselves to budget wisely and spend only what they have allotted. In this case, buying an annuity is an option they might consider although it does come with a great cost.

An annuity is not an investment plan. It is a contract with an insurance company. When an annuity is purchased, the owner hands over their savings for the insurance company to manage and in return they can expect a steady stream of payments to come in 20 years down the line.

Unfortunately, owners of annuities lose a significant portion of their savings along the way to commissions and yearly fees. Just like reverse mortgages, annuities should only be used under a very specific set of circumstances and under the advisement of a fiduciary financial advisor.

Finding a Fiduciary Financial Advisor

A financial advisor and a fiduciary advisor are two very different individuals. A financial advisor is usually paid to sell you products such as investment plans, annuities, or reverse mortgages. They may offer up several options to help you, but at the end of the day they are most concerned with the commissions they will earn from what they’ve sold you.

A fiduciary financial advisor is one who is required by law to put your financial interest first. Yes, you will be paying them for their services, but you will have the added security of knowing that this advisor is fighting for you and your best interests.

Pam’s company offers a unique online tool that matches customers with the fiduciary financial advisors that can best serve the customers unique set of circumstances and needs. These fiduciary advisors can help you identify and focus on what you have so that you can make the best decisions for your finances.

The most important thing is to remember that you have the power and the ability to make responsible, informed, and educated decisions about your money. You have the option to partner with a trusted fiduciary advisor to ensure your decisions are sound and you are in control of your finances.

The post How to Make the Most of Your Money in Retirement by Wanting What You Have appeared first on Sixty And Me.

The post How to Make the Most of Your Money in Retirement by Wanting What You Have appeared first on Best Homecare Tips.

Source: CareTips

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