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THE BOOMERS GUIDE TO PLANET RETIREMENT

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					BOOMER'S GUIDE                        VOLUME 2 ISSUE 7                                 JULY 2009




                                 THE BOOMER'S GUIDE TO PLANET
                                    RETIREMENT
DR. MARILYN BRUNO                           VOLUME 2 ISSUE 7                               JULY 2009
WWW.GYNOSAPIENS.COM
                      IN THIS ISSUE: Page 1: Saving Money At Home II
                                      Page 2: Why Am I Always Tired?
                                      Page 3: Keeping the Safest Investments Safe
                                      Page 4: Exercise your Brain
                                      Page 5: Cosmetic Tune Ups
                                      Page 5: 3 Ways to get more out of Linked In Groups
                                      Page 7: Employment/Home Business Websites


QUOTE OF THE MONTH:
Never be afraid to try something new. Remember, amateurs built the ark; professionals
built the Titanic.
       - Anonymous

SAVING MONEY AT HOME II
My readers have been asking me for more tips about saving money at home. Here are some ideas about
heating and cooling from the U.S. Department of Energy (DOE), the Energy Efficiency and Renewable Energy
Clearinghouse (EREC) and Network (EREN). Water heating is the third largest energy expense in your home,
accounting for about 13% of your utility bill. There are four ways to cut your water heating bills, if you haven't
already done so:
-- Install aerating, low-flow faucets and showerheads
-- Repair leaky faucets promptly
-- Take more showers than baths (-- okay and shower with a friend, as we used to say in the '60s...)
-- Wash clothes in cold or warm water
-- For those with hot water heaters:
         -- lower the thermostat on your water heater to 120 degrees F
         -- insulate your storage tank (electric or oil); avoid covering the thermostat
         -- install heat traps on the hot and cold pipes to prevent heat loss.
         -- insulate the first six feet of the hot and cold water pipes connected to the water heater
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 BOOMER'S GUIDE                        VOLUME 2 ISSUE 7                                JULY 2009
         -- drain a quart of water from your water tank every three months to remove sediment that impedes
 heat transfer and lowers the efficiency of your heater. Follow the manufacturer's advice.
 -- Better yet, plan to replace your hot water heater after it is 7 years old with one of these options, now
 eligible for generous Federal tax rebates and subsidies:
         -- Solar water heaters: These are great if you can get a permit and have a roof or other location that is
 unshaded and facing South. During a 20-year period, it is estimated that one solar water heater can avoid
 over 50 tons of carbon dioxide emissions. Look for systems certified by the Solar Rating and Certification
 Corporation. Visit the State Incentives for Renewable Energy web site, www.dsireusa.org, to see if you qualify
 for tax credits or rebates.
         -- Natural gas on demand water heaters
         -- Tankless water heaters. I bought one (sadly, before the generous Federal tax incentives kicked in)
 and it works perfectly.

  And there is a bonus in replacing appliances, light bulbs, etc. with energy-efficient alternatives::
        Washing Machines, if ENERGY STAR, could save your household over $145 per year.
        Dishwashers, if ENERGY STAR. use 41% less energy and water than traditional dishwashers, which can
    means savings in excess of $30 a year on your utility bill.
        Refrigerators - A typical two-door, freezer-on-top refrigerator costs around $100 per year to operate.
    Upgrading to an ENERGY STAR fridge could save 30% or more per year.
        Home Electronics - Save $100 or more per year by disconnecting electronic devices usually left in
    "standby" mode. If you leave them on standby, at least use ENERGY STAR products.
        LED Lighting uses 75% less energy than incandescent bulbs and last 25 times longer. According to
    ENERGYSTAR.gov, LED lighting can last more than 25,000 hours or more than 22 times that of a regular
    bulb.



 Why Am I Always Tired?
 Last month's Newsletter had an article about how to get a better night's sleep. Hopefully, by now you have
 followed some of the recommendations and are getting your 8 hours of zzzzzs without pharmaceuticals. But
 sleep is only part of the answer for getting more energy. Stress is a major cause of fatigue, so get busy! (No
 pressure!)

 -- Remember to exercise, doing what you love so that it is not tedious. I love the glider machine at the gym
 because it tells me how many calories I have burned while watching TV. Simple and fun. I also like some
 aerobics, stretch and yoga classes, but my bad knees, neck and carpal tunnel wrists sometimes impede my
 ability to jump around, do pushups, lunges, etc. with my more limber classmates. (Instructors have shown me
 to roll a hand towel under my shins when kneeling and to do pushups with my hands in a fist to avoid
 aggravating my wrists.) My favorite exercise is swimming. Get good goggles and just hit the pool. You will be
 delighted to see how many laps you can add each week to your routine. Of course, reaching an endorphin
 high while exercising is something that my jogging and biking friends swear to, so I went to a spin class last
 week. I "climbed" half a hill (as opposed to the 10 climbed by my classmates) and concluded that I needed
 padded shorts before trying that rigorous workout again. I get my rush from scuba diving: discovering the
 undersea universe of amazing life forms through the eyes of wonderment that a child must experience when
 exploring the world during the first year of life. Total bliss.


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-- This brings me to meditation. When under water contemplating the fishies in negative buoyancy, I seem to
enter some mental state of suspended animation as well -- I use remarkably little air and surface with a tank
that is still 3/4 full. When on land, many meditation techniques -- coupled with positive affirmations -- greatly
helps to relieve my stress. Background music can help. My daughter gave me an amazing CD (05 SA Sonic
Aid by John Herberman) that reportedly induces alpha brain waves. Very soothing. (There is even a warning
that it could put you to sleep, so don't pop this into the car CD player!) Running a stick around the edge of a
Buddhist's brass prayer bowl also elicits the sounds of the universe and the alpha waves. Buddhist monks
chant individually and in groups while meditating by making very deep, guttural sounds that are supposed to
link to the cosmic vibrations. I was able to make a similar sound by putting my vibrating lips to the wax
opening of an Australian didgeridoo. The very experienced Aborigine who was giving me this instruction swore
that this instrument is his meditation aide several hours a day.

-- Eat nutritious foods, avoiding caffeine. Stick to the plan.

-- Do a self assessment for depression and seek help if you are feeling overwhelmed by your circumstances or
prone to prolonged procrastination. Certainly, with the economic meltdown affecting us all, there is no shame
in feeling boggled right now.

-- And, now for a rare endorsement: Since last September, I have been taking a daily dose of a liquid form of
the anti-oxidant RESVERATROL. There are many brands on the market, and I can honestly say that this is
the elixir that has truly helped me to maintain a very high energy level. I highly recommend this supplement.

Don't wait if you don't feel well. The longer you are out-of-sorts, the longer it will take to come back. If you
have followed all of the above recommendations and still are tired, see your doctor for a thorough checkup.
For some people, chronic fatigue is a medical problem that needs a doctor's care.




KEEPING THE SAFEST INVESTMENTS SAFE
Just recapping what I hope you already know, here are the safest places to park your money while we begin to
diversify and dabble in riskier investments, like the stock market and real estate:
-- Certificates of Deposit (CDs): The FDIC raised its ceiling on deposits from $100,000 to $250,000 pr
depositor per bank last October. The ceiling reverts to $100,000 on January 1, 2010, so if you are considering
a maturity term beyond December 31, 2009, you may wish to divide the money among several banks instead.
CD maturities typically range from six months to five years. Some require a minimum deposit requirement
(e.g., $10,000) while others do not. A higher minimum does not guarantee a better rate. Shop around for the
best rates. According to Kiplinger's Personal Finance, the yields are currently ranging from 3.75% to 5.25%.
Some of the top yielding FDIC-insured CDs are currently being issued by the State Bank of India
(www.statebank.com), GMAC bank (www.gmacbank.com) in Utah, and Intervest National Bank
(www.intervestnatbank.com) in New York. For other rates, call the bank and make sure that the CDs are FDIC
insured.
-- Certificate of Deposit Account Registry Service (CDARS) program is FDIC-insured up to $50 million. Yes. If
you are lucky enough to be sitting on a lot of cash, you can deposit your money in excess of $100,000 in one of
the 2,700 CDARS participating banks, and that bank parcels out the money to other banks in tranches of
$100,000. This saves you from having to open different accounts in several banks, etc. The FDIC has issued
an opinion that DCARS is a deposit placement service, which means that all the money in the program is

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BOOMER'S GUIDE                        VOLUME 2 ISSUE 7                                 JULY 2009
eligible for insurance. The original bank sets the interest rate and issues one consolidated statement. A full
description of this service is available at www.cdars.com.
-- CD Ladders: Rates are likely to rise when the economy recovers, so you can position yourself by staggering
the maturities of your CDs. If rates fall, you are locked into today's yields. If short-term rates start to raise,
you can roll the money into higher-yielding CDs as your original ones mature. Be sure not to exceed the
insurance limit at any one institution. According to Kiplinger's, GMAC Bank's interest rates are among the
best for all six available maturities, from 6 to 60 months. State Bank of India is the leader in five of the six
categories. Discover Bank (www.discoverbank.com) of Delaware and Intervest National Bank are the best in
four. Some investment firms will invest your money for you, but you will sacrifice yield. For investments of
$25,000, current rates are 2% to 3.15% for CDs with maturities of one to five years. Higher rates are available
for larger deposits. When a CD matures, it is automatically reinvested in a five-year CD to rebuild the ladder.
The advantage of buying through an investment firm is that CDs may be redeemed without penalty before the
term expires, although their value may fluctuate.
-- Money Market Accounts: Bank Money Market accounts are high-yielding and give you access to fast cash.
(Don't confuse bank money market accounts with money-market mutual funds that own collections of short-
term securities.) Some banks pay as much as 4% interest. Online banks and online sites of traditional banks
offer the best deals. According to Kiplinger's, UFBDirect.com (www.ufbdirect.com) pledges that its Traveler
savings account will always be in the top 10% of interest rates among banks surveyed by Bankrate.com. The
account requires a minimum of $500 to open and maintain, and comes with a debit card to withdraw cash
from any cash machine. UFBDDirect.com will reimburse you for any ATM fee up to $4.50 per statement
period. You can also link your savings account to a free checking account. Provident Bank (www.proficent-
direct.com) offers 3.75% on $100 minimum deposits in a no-fee online savings account. Flagstar Bank
(www.flagstar.com) offers a money-market account for $1 minimum deposit, and pays 3.55% interest. The
account comes with free checks and Visa debit card, etc.
-- Credit Unions: These member-owned, not-for-profit organizations pay higher rates on all types of savings
accounts and offer about the same loan rates as commercial banks. Almost everyone may be able to join a
credit union, as many are community-chartered. To find one, go to www.creditunion.coop or
www.finadacreditunion.com. Credit union deposits are insured up to $250,000 by the National Credit Union
Share Insurance Fund (NCUSIF), which is like the FDIC and backed by the U.S. government.
-- Short-Term Bonds: Check with your broker about yields and maturity dates of government debt issued by
federal agencies, such as the Federal Home Loan Bank, Farm Credit Banks, and the Tennessee Valley
Authority. Last December, Fidelity Investments had a Farm Credit Bank bond maturing in 12 months yielding
2.8%. With Fannie Mae under government conservatorship, its bonds are now backed by the federal
government and yield 4% in 48 months. Finally, the riskiest cash substitute are short-term municipal bonds,
which offer exemption from federal income tax and may be free of state income taxes if you live in the state
where the bond was issued. Many states and local issuing authorities, such as state university systems, have
bonds with one or two years left to maturity that yield from 3%-5% over the remainder of the term. Ask your
broker for "new issues" and look for short-term maturities. You may place your order to buy in advance of the
date of issuance.



EXERCISE YOUR BRAIN

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BOOMER'S GUIDE                       VOLUME 2 ISSUE 7                                JULY 2009
We all know the bad news -- after the age of 20, thousands of our brain cells die off every single day. We may
not know the good news -- about 10,000 new neurons are created in our brains every day. So, let's use them!
Per Elizabeth Gould's animal and human studies in the late 1990s at Rockefeller University, these new neurons
arise as stem cells in an area of the brain known to be involved with learning, memory and mood –- the
hippocampus.
However the majority of these cells atrophy and disappear unless stimulated -- not just by use but by learning
-- the type of challenging learning that pushes us out of our “comfort zone.”


I have proof that this works. I provide my 93-year old Mother with a steady supply of "Find the Word" puzzle
books, which she loves to do for hours on end, even though she is otherwise totally senile. She also plays
solitaire, although not following all of the rules... My Aunt regularly turns on a laptop and engages in a
computer-guided brain exercise program, including visual, mental, and audio teasers. She is sharp as a tack.


The Gould research revealed that another factor affecting the generation and maturation of new neurons is
physical exercise, which causes the release of “brain derived neurotropic factor” (BDNF). This is the scientific
explanation of what we vibrant Golden Oldies already knew -- staying mentally alert is linked to staying fit and
vice versa.


As we were bewildered by the passing of David Carradine, we are reminded that he first brought to the
television masses exposure to the physical/mental discipline of Kung Fu. Since then, we have learned about
the benefits of Tai Chi, Qi Gong, yoga, and other comprehensive training techniques that systematically lead
from inexperience to higher levels. The result is a learning environment that is comprehensible, accessible,
self-motivating, highly challenging and, as anyone knows who’s tried these techniques, vigorous exercise.


COSMETIC TUNE-UPS
I recently read that The American Society of Plastic Surgeons (ASPS) released a survey showing
that American women were looking at cosmetic surgery to get a competitive edge in the
workplace. About 13% of 756 women surveyed between the ages of 18 and 64 say they would
consider having a cosmetic medical procedure to make them more confident and more
competitive in the job market. About 3% said they already had a cosmetic procedure to
increase their perceived value in the workplace, and 73% said they believed that appearance
and youthful looks play a part in getting hired, a promotion, or getting new clients, particularly
in these challenging economic times.

I hope that my readers have the good sense to put this news in perspective. Maybe some of
those women surveyed were in the entertainment and hospitality businesses. Also, the survey
was sponsored by plastic surgeons who are looking for clients in a down market. We who
believe that beauty is only skin deep would rather focus or time and money on wellness through
exercise, diet, stress management, good sleeping habits and cultivating our youthful outlook.
We would also rather become more competitive in the workplace by highlighting our experience
and keeping our skills up to date.


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BOOMER'S GUIDE                     VOLUME 2 ISSUE 7                              JULY 2009
Of course we have younger competitors. But we are seasoned pros. We know how to dress for
success and fix ourselves up to feel like those groovy guys and gals that still live within us.
Cosmetic tune ups are, after all, just cosmetic.

Here is what we Boomers have going for us:

-- We are older and wiser. We know the lay of the land and know what we don't want to do.
This is the first step to making a good choice for the future!

-- We learned from our mistakes, which is the best way to learn, and can ditch the old baggage.

-- The world is our oyster, and we still get excited about new challenges and opportunities.

-- We have almost totally fulfilled Plato's recommendation: Know Thyself. We have survived so
much, that we can survive whatever life throws at us.

Step aside Gen X. We are not done yet!



3 Ways to Get More Out of LinkedIn Groups
I am convinced that LinkedIn is a MUST for professional networking. Setting up a profile is not
difficult, so spend an hour or two inputting your data and browsing all the Groups that you would like
to link with. You will be amazed how easy it is to get going.

I got this good guidance by Ryon Harms from a member of my alma mater (Mount Holyoke College)'s
LinkedInGroup. It sounds like info we all can use to maximize our time and efforts:

LinkedIn groups offer some unique benefits that I believe many of us should be taking advantage of
but probably are not. Here are the top three followed by instructions.

1. Job Postings—A good job lead is a terrible thing to waste. Rather than post job leads as
discussions on your LinkedIn groups (a common mistake) or send them out as an email, post them in
the appropriate Jobs tab from your LinkedIn groups.

How to do it: At the top of your LinkedIn group page you’ll see seven different tabs, starting with
“Overview.” The fourth tab is Jobs. Click there and you’ll see a list of all jobs posted by fellow group
members. On the right column you’ll see several options that allow you to filter job postings by Recent
Activity, Most Comments and My Followed Jobs. At the top of that list is a link to Post a job+. Follow
the instructions from there. Trust me, your fellow members will appreciate it.

2. Search Group—This feature is often underutilized but it can be a very powerful filter. It is useful for
identifying fellow members that may:

--have connections at one of your target companies
--be a great fit for a job lead that you have to offer


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BOOMER'S GUIDE                           VOLUME 2 ISSUE 7                                    JULY 2009
--want to connect with you because they work in a related field
--be a potential customer, partner or employee.

How to do it: When you click the Members tab at the top of your group’s page you’ll see a
comprehensive list of group members. Towards the top, on the right column of that page you’ll see
the “Search Group” field box. You can type in the names of people, companies and industry topics, as
well as any relevant keywords that help narrow down your search.

3. Article Postings—Many of the interesting articles that you read online relate to all of us
executives—both working and in transition. Why not share those articles with your LinkedIn groups
and create an additional impression with fellow members.

How to do it: Many publications online (including The New York Times) allow you to post articles
directly to your LinkedIn groups. Simply look for the social bookmark icons near the “email this to a
friend” link. If you use other social bookmarking services like Digg you already know where these
reside. If you don’t, look for the LinkedIn or “ShareThis” icons (usually towards the top or bottom of
the page you want to share). When you click on the icon a small window pops up that lets you easily
post the article to one of your LinkedIn groups. You can repeat this process if you’d like to share the
article with more than one group. If you don’t see the icons, you can also click on the News tab at the
top of your groups page and insert the article manually.

Utilizing these functions is vital to accelerating your networking activities on LinkedIn. Each one gives
you an opportunity to contribute, keep your name top of mind and make an impression with fellow
networkers and group members. You’ll be surprised to see how many opportunities can shake out
simply by participating.

Employment Web Sites
When applying for a job, remember:
-- Emphasize what you are bringing to the table, not your age or how you are going to change the company
-- Get those e-resumes ready and tightened to match the job offer
-- Show you are computer literate, flexible, ready to learn, energetic and a great new member of the team!

The list of websites keep growing, so add these to your search folder:

Jobs 4.0
For job seekers 40 and over

 RatRaceRebellion.com
Lots of tips for Boomers.

Retired Brains
Older boomers, seniors, and retirees

RetireeWorkforce.com
Retirees and mature workers

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BOOMER'S GUIDE                            VOLUME 2 ISSUE 7                                     JULY 2009
RetirementJobs.com
Career advice, e-newsletter, podcasts; “age-friendly” certification for employers

Seniors4Hire
For job applicants 50 and over

 WiserWorker.com
Job listings plus a schedule of job fairs throughout the U.S.

Workforce50.com
For job candidates 50 and over; formerly called “Senior Job Bank”

YourEncore
Older scientists, engineers, and product developers


Other Web Sites for Career Changers
These sites do not target specific age groups but offer useful information for 50+ workers and career changers.
Bridgestar
Senior management jobs in nonprofit organizations. A resource for those interested in moving from the private to the
nonprofit sector.
 MyPartTimePRO.com
Flexible and part-time opportunities for professionals

The Riley Guide
Career advice plus links to thousands of Web sites with job postings and resources

 Job-Hunt.org
Links to a wide range of employment Web sites and career resources

Monster: Careers at 50+
Career advice for mature workers

 Weddle’s
Internet resources on job hunting and career management. Online bookstore and e-newsletter

 Quintessential Careers
Comprehensive site for job search and advice. Includes e-book on using online tools--such as blogs and social-networking
sites--in your job search.

CareerJournal.com
Wall Street Journal career site. Position announcements, virtual job fairs, job-hunting tips


Networks and Organizations


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BOOMER'S GUIDE                            VOLUME 2 ISSUE 7                                   JULY 2009
Execu-Net
For executive jobs in the $100,000 annual salary range; requires paid membership (30-day, 180-day, and 360-day options)

 40Plus
Volunteer organization supported by member fees. Offers training courses, counseling, résumé development, and peer
support. FortyPlus chapters operate in six states as independent organizations. The Washington, D.C. Web site has links to
other chapters.

The Five O’Clock Club
Offers a five-volume set of job-search books by professional career counselors. Members attend weekly meetings in
person or by teleconference. Membership fees are based on the number of sessions attended. The Web site has some
free content.
BeyondMiami.com
Offers a host of job leads, articles, etc. Very informative.


Opportunities for Home Businesses
Parkingspots.com
Rent parking at your house
ParkAtMyHouse.com
Ditto.
StoreAtMyHouse.com
Offer storage in your attic, spare room, or garage.
AirBnB.com
Bed and breakfast nightly in 73 countries; 866 cities.
RedesignMe.com
Brauinstorm about one of their new products and services; earn points for Amazon, iPods, etc.
WAHBoom.com
Work at Home site for Boomers by www.ratracerebellion.com




Please let me know what topics you would like covered in our next
Newsletters! E-mail:DrBruno@gynosapiens.com.

All previous Newsletters are posted online on the homepage of
www.gynosapiens.com




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