To announce your resignation, write an email to all homeowners association members and draft a positive note using a positive tone. Paint the exterior of your house to keep it in good condition and enhance its appearance. Updates to the exterior finish, paint color, and even your front door can help. Discover your interior by taking a virtual tour of your future home by creating realistic images. Brick and Batten is the leading online exterior design platform.
To start a whole-house remodel, start by talking to your doctor if you have one. Before building your new home, follow these five preparation steps and consider whether to rebuild a house. A house exterior design consultant can provide expert advice on the best exterior design ideas to improve and enhance the overall aesthetic of your home.
If leaving your house and avoiding interactions has made living a normal life impossible, talk to your doctor if necessary. Check out top tips for maintaining the exterior of your home and contact A Better Gutter Cleaning for gutter cleaning, repair, and replacement needs.
Learn to call in sick and receive sick pay for up to two years. Speak with your manager and prepare a resignation letter. Preserve professional relationships and ensure that employers provide reasonable accommodation to qualified employees or job applicants with known limitations.
Remember that no one needs to know where you are moving, but do not give that information out. If you’re burned out and dreaming about leaving corporate life for a big life reset, consider honest and realistic advice from those who’ve been there.
📹 The Dark Knight Rises – Bane Blackgate Prison Speech (HD) IMAX
Bane reveals the truth behind Harvey Dent, frees Blackgate’s prisoners and takes over Gotham. All material owned by Warner …
How do I leave home when I have nothing?
This blog post offers seven tips for moving out with no money:
Create a budget, downsize and declutter, secure a place to stay, look for free or low-cost moving supplies, seek financial assistance, use public transportation or ridesharing, and find side gigs.
Declutter and downsize your belongings, find a place to stay, and look for free or low-cost moving supplies.
Use public transportation or ridesharing, and find side gigs to save money on transportation and rent.
Seek financial assistance if needed, and use public transportation or ridesharing to save money on transportation.
Is there an app to change the exterior of your house?
Homestyler is a home design app that allows homeowners to create 2D and 3D designs of their home’s exterior and interior spaces. It allows users to experiment with color schemes, furniture, decor, and lighting options. These 5 house exterior design apps can help homeowners visualize and create their dream home exterior, making it easier to revamp their curb appeal. Download these apps today and start designing your dream home.
How much does it cost to render the facade of a house?
House rendering is a prevalent exterior design option that enables homeowners to personalize their residence’s external appearance by selecting from an array of colors. The financial outlay required for house rendering typically ranges from £2, 500 to £8, 500, depending on factors such as the property type, timescale, and the type of house. The objective of this guide is to provide illustrative quotes and to examine the potential influences on the financial aspects of house rendering.
Is it possible to change the facade of a house?
A house’s façade can be altered in various ways, from minor changes like updating the color of the front door or garage door to more significant projects like a complete repaint or render. However, there are also ways to enhance the exterior look without altering the façade, such as improving lighting or enhancing landscaping and plant choices. When building a home, it’s crucial to carefully consider materials and color choices to minimize the likelihood of future façade changes.
Who designs the outside of a house?
A house exterior design consultant offers numerous benefits to homeowners, including providing creative and innovative ideas, a cohesive design plan, knowledge of industry trends and materials, cost-effective solutions, detailed plans and specifications to contractors, and compliance with local building codes and regulations. They can help create a cohesive design plan that integrates the look and feel of the home with the surrounding landscape, saves time and avoids mistakes, and ensures compliance with local building codes and regulations.
To choose a consultant, it is essential to choose one with experience, a strong portfolio in house exterior design projects, a willingness to work within budget, knowledge of local zoning and building regulations, effective communication, and ease of working with. With their expertise, a house exterior design consultant can help create a beautiful and functional outdoor space that enhances the appearance and value of your home.
What do I do if I need to leave my house?
Centrepoint offers free advice to 16-25-year-olds who are homeless or about to lose their home. They can be contacted via web chat or phone at 0808 800 0661. Homelessness can occur at 16 without parental permission, but it can be challenging to find a place of one’s own before 18. If you are under 16 and cannot live at home, contact Childline for assistance. Living independently can be challenging, so be prepared.
Who is an exterior decorator?
A home exterior designer is an expert in various aspects of a home, including paint, lighting, doors, awnings, shutters, planters, roof styles, porticos, home additions, and cladding. They are experts in every area and are constantly seeking out what works and what doesn’t. Brick and Batten offers virtual exterior design services, ensuring that clients can get a design on the outside of their house without any issues. However, the process can be challenging and can be gut wrenching, pocket book draining, and even cause muscle sores.
Regardless of the level of need, brick and Batten’s exterior designers believe in making it easy for clients to make their home’s exterior look simple and functional. They understand that not every house needs walls removed or rooflines changed, and they don’t want to spend months on expensive architects and a large front yard.
How much does facade cost?
The article discusses the cost of HPL (Trespa, Fundermax) and Fiber cement Panels (Swisspearl) for facades, which used to be $18-23/SF. It suggests that by reducing façade costs with porcelain rainscreens, architects can achieve the best technical cladding material, resulting in the best value for their clients. Despite the cost, many US architects assume they cannot afford porcelain panels.
Are you allowed to change the front of your house?
The necessity of planning permission varies depending on the nature of the proposed alteration. Design constraints may be imposed with regard to height and size, and older houses and period properties may be subject to stringent regulations, which can render extensive alterations challenging.
📹 60 Years Old and Nothing Saved for Retirement – Top 12 Recommendations
Https://www.financialfastlane.com/ What if you have nothing saved for retirement? Top 12 recommendations Free Resources …
The Joker predicted this entire movie in a single scene. Just let that sink in for a second. “They need you right now, but when they don’t, they’ll cast you out. Like a leper.” “When the chips are down, these ‘civilized people’, they’ll eat each other.” “You see, I’m not a monster. I’m just ahead of the curve.”
When I was in the 10th grade (in 2013), we had an elocution competition in which each participant would have to narrate a famous speech. Nearly all narrated famous speeches like Blood, Toil, Tears and Sweat by Churchill or the Emancipation Proclamation by Lincoln, or even Rocky’s speech to his son… Bane’s Blackgate Speech was just a year old then, yet one participant chose this as his speech, using props- a mask and a few sheets of blank paper as Dent’s photo and Gordon’s speech. He won 1st place. It was unreal.
In many ways, Bane is an interesting mix of Ra’s al Ghul and the Joker. Very much like Ra’s al Ghul, he is obsessed with destroying Gotham to pave the way for what he perceives to be a better future, but for him, it’s not just about destroying Gotham, it’s making a mockery of the norms and rules of society. Of tearing down Gotham’s idea of civilization by forcing the people of Gotham to descend into anarchy and chaos, to turn on one another if only to survive. “When the chips are down, these civilized people? They’ll eat each other”. Bane destroys not just Gotham, he destroys the idea of Gotham, the humanity of the people of Gotham by letting the worst in them take over.
Bane didnt really believe in the socialist revolution hes spouting. He just wanted to pit people against each other by using very real concerns only to sit back and allow the city to tear itself apart all while Bruce watches from his cell. If it weren’t for his desire to destory everyone in gotham via a nuke, I’d be more sympathetic to him as an antagonist. And while I love this movie to death, and the direction Nolan went with, I think it would have fit better if Bane believed in this revolution idea, and his whole arc in the story is realizing his approach to it with violence is a little misguided and he and Bruce come to terms with each other at the end. Still though, this Bane is one of the best villains ever put to screen.
When you think about it, Bane actually turned Gotham into an Anarchist society. He destroyed the government and gave the city to the people. While both the Joker and Bane were basically Anarchists and Bane was the only one to turn Gotham into an Anarchist society, the thing that sets the two apart, is the fact that Bane acquired what he wanted through sheer force while Joker did it through turning the people of Gotham itself into crazed monsters.
They were so close with making Bane another amazing villain just like the Joker. If only they didn’t end his story by making him a puppet instead of a mastermind like he seemed to be. I didn’t even mind that they didn’t give him his “Bane juice” that made his muscles grow because of how well written and acted he was in this film.
This is why I enjoyed the Nolan Batman films over other comic book flicks. They looked and played out as movies beyond a mere comic book medium. They echoed themes of despair, hope, financial and social inequality. The undertones of its themes were made clear. It’s rare to see such intelligent blockbuster films today.
In my opinion, from Nolan Batman trilogy, there is no “best one” for they all excel in their own way: Batman Begins I believe is one of the best Batman origin depictions available, and it truly displayed how stealthy Batman can be, for reference the “Doctor Crane isn’t here right now, but you can make an appointment” scene in marvellous, The Dark Knight is one of the best movies depicting a villain who is winning, and has some of the suspenseful scenes put to film and The Dark Knight Rises was a marvel in film making with the practical stunts and one of the few movies a villain truly wins; in that Bane breaks Batmans back. All of Nolans Batman films, in my opinion are awesome, and none better the other
“There is a point, far out there, when the structures fail you — when the rules aren’t weapons anymore, they’re shackles letting the bad guy get ahead. One day you may face such a moment of crisis. And in that moment I hope you have a friend like I did to plunge their hands into the filth so that you can keep yours clean.” Such a well written line and incredible delivery.
This scene is actually VERY important when it comes to the trilogy. At the end of the dark knight, it’s shown that the joker actually won. he wanted to prove that deep down inside, underneath the facade of order, is existential anarchy. The joker PROVES this by showing that morality is a sham. The people attempt to murder coleman reese, they vote to blow up the other ferry, cops turn corrupt, and most importantly, harvey dent becomes an anarchistic killer. Harvey Dent. the hero that all of Gotham looked up to, successfully turned into an anarchistic madman. But gotham needs somebody to look up to in order to save its soul, so Batman takes the blame for all the people he killed, and Harvey Dent is falsely held up as a beacon of artificial hope. this scene. finishes the Joker’s work. it shows the people of gotham the truth. what the joker did, but what was hidden. and once they lost their idol, gotham became this huge melting pot of anarchy and chaos. just like the joker said.
Tom Hardy’s Bane may be one of my all-time favorite movie supervillains, mainly because of how they portrayed him here compared to other versions of his character compared to other versions of him. Bane is not only a hulking, muscle-bound figure, but an incredibly smart one with a way of persuading and manipulating people as a demagogue of sorts. He appeals to the interests of the underclass of Gotham City, and uses them to do what he feels is right (i.e., deposing the city government and taking complete control). While other versions of Bane in film (haven’t read the comics but I can assume what he’s like) portray him as just a hulking monster, the Tom Hardy version is just as much that, but ten-times more cunning and manipulative. He uses the masses as his lackeys, a means to an end, if you will. He cares not for who lives or dies as long as Gotham City is destroyed. Just… an awesome villain in my opinion.
I really like how he called Batman his friend. You don’t really see that in any other live-action Batman movie; they usually just show Batman and Jim working together. In ‘The Dark Knight Returns Part 2,’ Jim asked Clark Kent if he was a friend, and he said, ‘I’m not sure,’ to which Jim replied, ‘Sounds about right.’ But in this movie, he called him a friend. Jim sounds just as broken as someone would be if they lost a friend. Also, in the hospital scene, he goes there just to see his old friend, and he is holding his hand. Let’s not forget, Batman dropped a guy off a building because he thought the Joker killed him.
Bane’s accent is very odd but it ends up working so well. He sounds like an evil Sean Connery. Combined with the respirator effect it makes the character incredibly mysterious and frightening. I love it. I don’t think they intended for Bane to sound like that but this should definitely be the standard for future Banes.
Tom Hardy’s Bane is just absolutely the most chilling and terrifying villain in the history of cinema. As an actor, as an artist, as a craftsman…Hardy simply becomes Bane and with all the trappings and face masking he fully conveys Bane’s lust for anarchy and disorder. He likes perusal the world burn, but what he really likes is sowing chaos and perusal civilization eat itself.
In terms of revenge Bane and Talia were excellent in this movie, they broke Batman’s body but left him alive for him to watch his city being destroyed by its own population and finally decimate the city in a nuclear holocaust. Bane made the population self-destruct by fighting with each other, while the city itself is destroyed in this fight and the only losers are the population itself, to in the end simply kill everyone in an act of “mercy”, that’s brutal.
Imagine the children perusal this go down, hiding in the bathroom with their parents, staying quiet, praying to god that they won’t die that day. perusal bane tear the city apart, and Batman sacrificing himself to save it. That would be a little traumatizing, hearing the screams of innocent people being dragged out and tortured by the unfortunate people that are so angry at those with better lives than themselves.
the Americans in this comments make me cringe, the only revolution the US ever had was the war of independence, and it created their country. the nation itself never had a complete upheaval in it’s internal structure since then- it was close to happen in the Civil War, but an actual revolution never happened in US history since the nation existed. Americans seem to immediately assocciate everything they see that has some sort of an fictional political aspect to it with american politics- it’s their political shorthand- americentricism. while this movie is American, and indeed iconographically it’s 100% American, it’s written and directed by brits who are historically inspired by European history far more than American history, Bane looks and sounds like a European Revolutionary, and in Europe, at least up until the end of WW2 and even some time after it- Revolution was synonymous with corruption of a human condition almost every freaking time. the American Revolution was definately rough, but it was unique in that it spawned since it’s victory a Nation that stood the test of time, the Europeans through horrifying centuries witnessed revolutions arrive with great promise, rivers and blood and crippling failure time and time again. Bane is the culmination of every terror and dogma European revolutionaries created, he is so far removed from American politics it’s actually rather insulting for Americans themselves to compare him to any politician they have.
What really got at me, was Official Blake always through all the years of demonization of The Batman in Gotham after events of The Dark Knight kept firm in his convictions that he was the “Good Guy” in protecting Gotham. And this scene right here was the accumulation of all his belief in that now validated, even when everyone else put his belief in The Batman to the test as they tried to villify and hunt him down
There are only 2 deficiencies in Bane. Otherwise, he would’ve been on the same level in our eyes as Joker is. 1. His less Height reduced some of the intimidation. 2. Making Talia the mastermind made Bane feel like a subordinate instead of a leader. He’s a completely different character. Loved Tom Hardy’s performance anyways.
Bane and Talia’s plan is very similar to Hitler’s actually, in my opinion. The german people had a difficult time after WW1, but then Hitler came along and blamed someone else for their suffering, but in reality he was just doing it to gain power and further his own selfish goal. Similarly Bane and Talia are just using the people of Gotham for their own revenge scheme against Batman. They couldn’t care less about Gotham.
The great thing about this version of Bane is he is using the very real frustration people may feel with our own structures against them. But he is vile, he has no interest in building a better future, he just uses the Inhustices of Society as a pretense to cause destruction and mayhem. Also, I think This is all his master plan. He is doing it primarily for Talia Al Ghul, and loves her and she is sort of the true heir of the league of shadows but he is the mastermind, it’s his plan and he has rebuild the league after Batman Begins.
Fun Fact: I used to work in that building Bane is making his Speech from. It’s an Biology Lab. Animal Testing. It’s completely unmarked and many people mistake it for the Museum that’s a few blocks down the street from it. (Side Fun Fact: That Museum is actually where part of Silence of the Lambs was shot when speaking about the Moth, which I also worked at, overnights, and is the only reason I know that. You actually see the Museum in the background at 0:04, right in the middle.) Anyways, back to the lab and Bane’s Speech, it’s not across the street from where the reporters are – reason why it kinda looks weird and why they and Bane are never in the same shot. Where the Reporters are is Downtown, where Bane is is a few miles away. In college central. Where University of Pitt is. Side, Side, Side fun fact: I applied to work as a PA on set but wasn’t hired. (sad face)
Let’s be clear: none of what Bane says here he actually believes. It’s what he thinks will get most people on his side so that he does not have to struggle for the ext couple of months. In his view, all these people are already past any redemption and he will doom them to oblivion, which is why he described himself as Gotham’s “reckoning” earlier in the film. All he wants is for everyone else to get the point that the kind of society that Gotham represents is doomed no matter what because of its corruption and decadence. That’s what the League of Shadows does in these films: they appoint themselves as arbiters of what is corrupt and then they destroy those civilisations through various means. He knows the city will blow up a couple of months later. This is just a show he puts on like any demagogue to rile up people who could be useful to him and to intimidate those who might think of trying to oppose him. In reality, he’s just running out the clock until the bomb goes off. He ultimately believes in nothing, which makes him a great anti-Batman.
Really just realizing that Bane did it all for Miranda. I’ve seen the movie a hundred times but that fact is only just now dawning on me. We take him at his word like joker, but he didn’t actually do any of this for any other reason except that he loved Miranda and she wanted to kill Batman and destroy Gotham to avenge her father. And Bane went to these lengths for her. 🤯🤯🤯
“There’s a point. Far out there. When the structures fail you. When the rules aren’t weapons anymore, they’re shackles, letting the bad get ahead. Maybe one day you’ll have such a moment of crisis. And in that moment, I hope you have a friend like I did. To plunge their hands into the filth so you can keep yours clean.”
I ABSOLUTELY ADORE CHRISTIAN BALE AS BATMAN, but MICHAEL KEATON IS THE BEST BATMAN! I was LUCKY ENOUGH to do an interview with MICHAEL KEATON’S MOVEMENT DOUBLE CARL NEWMAN, over this past year whom actual wore the 1989 SUIT PERFORMING stunts and is also featured in some of the MOST ICONIC scenes/shots from the 1989 film. He worked closely with TIM BURTON as well as JACK NICHOLSON while on set, and speaks about his experience in GREAT DETAIL. Feel free to check it out! I’d GREATLY APPRECIATE IT 🦇🦇🦇🦇🦇🦇🦇🦇
Amazing article, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family
This guy is a total classic, found by accident here. Reminds me very much of a number of my junior high and high school teachers, who back in the 70s and 80’s were basically kindly but smart WW2 veterans; never seen without a neck-tie under any circumstances, drove lengthy Buicks or Oldsmobile sedans (Cadillacs were too ostentatious). They were never ‘patriarchal’, egotistical (or flamboyant), and you could rely on them without end. Almost all quietly professed some faith in a higher power. As I aged I began to mourn the loss of their generation (like Lane’s father) as they began to disappear from public spaces and consciousness, but…here’s a living example of that mid-century archetype, somehow extended. Refreshing. I’m going to subscribe!
I’m a widow. I really up my getting my finances in order when my husband started having health problems. I always saved but I knew it was more important because of his health since he was the main breadwinner. So, I paid off everything by sacrificing so I could live well later. And it worked. I looked at financial article, TV programs, read books and attended seminars, remodeled the kitchen to make our lives a pleasing as possible in his last days on a modest income. So, as he said ” it’s not about how much you make but how much you save”. YOU CAN DO IT! Thank you Sir.
I am new to this website. I have to admit, not having a lot saved for retirement in my 60s has felt like a “shameful” secret. So glad to know I’m not the only one…! I like the idea of thinking outside the box. I’m familiar with most of these suggestions but appreciate the reminders. Thank you so much.
Sixty years old here. Never married. No dependents. I literally ran across this article about ten minutes ago, and I do not believe it was “by accident.” Nothing saved for retirement, and I do not ever see myself doing that in the near future. I will not go into the gory details, but suffice it to say this information and instruction is quite timely for me. I am presently unemployed but actively seeking employment. As a result of perusal this article, I am now empowered to begin taking my baby steps for making the necessary changes. Your story about thinking outside the box is also an inspiration to me and provides much food for thought. Thank you for sharing this article. I sincerely hope to be able to catch more.
Summary 1: You are not alone 2: Take inventory of your situation 3: Know your numbers 4: complete 30 days spending audit 5: Keep more of your own money 6: Get creative and think out of the box 7: Plan to work longer 8: Delay social security and earn DRC 9: Improve your physical and mental health 10: Have faith 11: Never stop learning 12: Don’t overlook HECM strategy
Im 69 and retired with a small pension. I own my home outright. I am blessed to be in that position. I use one room at night with the light on and wear thick sweaters to keep warm. I am presently digging up my back garden’s lawn and laying out a vegetable/ fruit growing area. I have ordered chicken wire to raise chickens and have an egg supply. Benefits = healthy veg, eggs, fruit and exercise.
This is such a great article. I turn 52 this month and spent the first part of my life taking care of everyone else. One day I got laid-off and found myself alone with no one to help me. I lost everything within a year of being laid off. finding a job was very difficult so did odd jobs. Since then I’ve been trying to get my life back together. It’s been more difficult starting over but I’m not giving up. I’ve started a new business, made a lot of mistakes but now I’m getting on the right path. I came across this article and found it very helpful. I’ll be tuning into more of your articles. Thank you sharing 🙏🏼
Your suggestion about co-living arrangements makes so much sense, and not just from a financial standpoint. My mother’s family is from North Carolina, were all descendants of the Scottish diaspora of the mid-1700s, and had lived in the same area of NC for 250+ years. As a result, I had about 300 relatives of one degree or other living in the same town. EVERYONE shared housing from time to time; elderly parents with kids, unmarried adult siblings with families of their brothers and sisters, young adults just getting started with parents, widowed siblings and cousins. I don’t live there now, and the family is more dispersed. But I have always said, if I am widowed in the future, I am going to invite one of my fellow widowed friends to live with me, for a modest below market rent. I think it would be a help to us both. It’s not so good for folks to live alone, IMO, and if it also helps financially, why not?
Recommendation #13, Consider retiring overseas. Most countries have a much lower cost of living than the good ole U.S.A. There are also countries like Malaysia and Belize where English is a National language and you could retire on your social security alone and still have some money left over at the end of the month. Worth considering as an option.
I did the caretaker route in college. Worked wonderfully. 96 year old woman. Her daughter came on weekends to spell me. I was there evenings, cooked dinner and breakfast, did shopping and in turn had free room and board. This kept my college costs low enough that I was able to pay for college with out loans.
I retired 2-1/2 years ago at 65, am healthy, have a nest egg and no debt due to choices I had the privilege to be able make. Regardless of how much we have or lack your advice is great, including about health, spiritual life, lifelong learning and the value of ourselves as an asset. Thanks for these 12 points.
Listen up – you need to tell your kids to contribute to their company 401k at the maximum allowable level (19k), get the company match (free money) then invest AGGRESSIVELY ie s&p 500 index then not look at it for 30 years. I did that and I have $2million without really sacrificing much as this is all based on pretax dollars.
I enjoyed your advice and it hit home, I’m 50 years old and wasted half of it in a world of addiction, finally I got a hold of my life and got clean, I always worked but as fast as the money came it went, once I got clean my mind changed and began to save, I saved up to 10grand and focused on my health, luckily I didn’t do to much damage to my self but my mind is on my health now, I believe health is wealth, I consolidated my money going out, I rent a room cause I’m only there to sleep and bought a scooter to save on transit, I found that fasting makes you healthy and spend less in food. Anyways I’m trying to figure out now how to plan for my retirement and live stress free, my only regret is wasting 20 years doing nothing and spending everything.
I recently retired at 60 because I was sick of working a job that was stressful and chaotic. I’m living on my pension right now but I bought the tools to learn computer graphics and am planning to become a freelance graphics design artist. You had some excellent ideas that I didn’t think about before but will consider going forward. Thanks.
A couple of things to consider. 1) Make a well founded estimate of base expenses in retirement, where base expenses is the cost of housing, food, required transportation, medical costs and things such as clothing. 2) Estimate retirement income at your planned retirement age. 3) Compare and. Base further decisions on the result. It may be that you don’t actually need significant savings, particularly if you have a pension. You can live a very comfortable life on much less than what “conventional wisdom” suggests. The core requirement to achieve that situation is to NOT have debt of any kind in retirement.
Tears came to my eyes,because I am 60 and I would say I do not have a strong retirement plan up to now, I was touched by what you said you and your wife did creatively to help ” Grandpa” and simultaneously enable you to save for a year. I am kind of in a similar situation with my 85 year old mom who lives in Florida by herself and lives in a 2 bedroom condo, my sister and I are thinking how to deal with it, one idea is exactly as you said,offer someone a stipend to stay in the other room with no charge but help my mom. Brilliant idea. For me,for sure 65 is not a retirement age,it is probably 70 but you are absolutely correct,it is not achievable without good health. Discipine in diet and excercise need to stepped up. I am very interested to subscribe on your website,your suggestions are realistic and not fantasy.
All good advice. I planned my retirement all by myself since I am a rational thinker,so I’m good. I’m 89 years old and comfortably retired for 21 years. Math would tell you that I retired at 68 years old, a little late but I needed to have a retired income that was equal to 80% of my take home pay. Besides, I enjoyed my work.
I certainly wasn’t expecting to be so touched that I was brought to tears on a financial advice article, but that story of Grandpa Joe did it. What a creative and beautiful thing you guys did there. I’m glad Grandpa Joe will forever be a part of your family. Side note, this is the first article I’ve ever watched of yours and I’m glad I did. You seem like a genuinely kind man who gives way more than simple financial advice. Subscribed.
Excellent article. Thank you for sharing. I am 68 years old keep a spreadsheet of my spending. This helped me take stock of my situation in July. I was in a situation to sell my home of 16 years which sold in five days. I made a few financial mistakes during the process but I was able to pay off my care, have a nice nest egg, move into an affordable apartment. Now I am free of a mortgage payment, property taxes and the HOA payments. Taking stock is critical. Also I have not had a credit card in 20 years but only use cash or my bank debit card. My bills are now only food, rent, and 4 utility bills.
Excellent advice!! I loved the story about how you and your family moved in with that elderly man! That was a win-win situation on both sides. I’m sure you were such a blessing to that man, especially your wife, and he was a blessing to you and your family. I came across this article by accident like many people and have subscribed. God bless you and your family.
Thank you for making this article. I almost didn’t look at it because I thought it was going to make me feel worse than I already do, with not having a lot of money saved up for retirement in the coming years. Instead this article was encouraging and inspiring! I had already started with furthering my education in my line of work, and I have already planned to work as long as possible- pass the typical retirement age. I also feel that people can work longer than typical retirement age( if in good health), because people are living longer. I thank God that I am in perfect health! I take good care of myself. I am going to purchase your book. Thank you, again.
Hi Lane, your podcast is so relieving. I’m not from the US. I from India but I work in the Dubai. I never overspent money all these years. However I couldn’t save anything for me and my family. I’m 54 and all the time I have this thought and makes me anxious that I couldn’t save anything. We couldn’t go on holidays all these yrs except for once in 2019. Because we could just make ends meet all these years. right now I’m out of job though, as the company that I was working shut down the operations. Also they are yet to pay me for last 5 months. Nevertheless your podcast has given me insights and most important a hope that it is still possible to create wealth. Thank you so much and God bless you and your family.
Thank you for addressing this situation. Most of the SSA articles are addressing spousal situations, and situations where there are IRA’s, Annuities, etc. I have been divorced and working to support myself for many years. At 62, I am healthy, physically and mentally fit (fortunately). I have not been able to save as I have needed every penny to make ends meet, and enjoy some of my off time. I appreciate this so much, it’s not too late 🙂
I used to work selling home healthcare equipment to the elderly and disabled. And, I lost count of the number of stories I heard from my customers about how they had worked hard all their life and put away money for retirement, had paid off all their debt, including the mortgage on their house, and lost it ALL on medical bills over a relatively short period of time, leaving them living in subsidized housing. It’s rather discouraging.
Greetings from Wales. I have almost zero income and zero savings (thankfully own my own home) so I’m not sure why I watched your article but for the first time ever, I took notice of a financial consultant. You have a very good way of delivering this kind of info that doesn’t make me cringe, as I usually do when listening to such advice. Not all the info is relevant here in the Dis-United Kingdom, but the approach certainly is. Thanks or “Diolch” as we say in Wales.
After living pay check to pay check for so many years I finally reach my retirement age 66 and debt free no mortgage house is payed off and no credit card debt payed off and no car note and my income has increased and I have found nearly 3 grand a month to save never had a 401k but now I am debt free with a little bit save up. But being debt free is enjoyable. I have plenty of time to play with my two mustang GT a 04 and a 14.
Excellent presentation.. Very good tips.. I have already adopted some of the strategies you enumerated. One of the MOST important point you made, overlooked by many, including what other financial planners would tell you- the importance of staying healthy, mentally and physically!! I am a firm believer and a practitioner of this strategy. Regular exercise and healthy eating habits will enhance energy and the sharpen your skills. Thank you And looking forward for more of your tips.
I’m new to your ch. I’m happy to say I’m so glad you popped up great article. Great advice for those of us who are late in saving. I’m 63 on ssi and ssa and disable with rheumatoid arthritis. I have an old car that runs, and my rent is low cause I have sec 8 which is a great help. I save only! For it to go back down to pay high bill or a dog emg bill so I could never get over the 1,000 sad to say. Sometimes I do follow a budget and than I get discouraged so I give up. Thank you for your soft, caring voice and your belief in God.
Your story is inspiring! How blessed you and your family were to care for an elderly gentleman during his last year of life! It not only gave you a great start financially, it also allowed him to avoid institutional care, loneliness, and loss of assets he surely wanted to pass on to his children. He was able to die at home, in the arms of someone who cared deeply for him. I can only imagine the good memories you have from that time…and you were able to teach your kids about compassion, friendship and the importance of community. These things are riches that can’t be taken away: Treasures in heaven.
I’m retired and not financially well off. I’m in great health and spiritually grounded in truth. Since I don’t have allot of finances to juggle, I just simply pay my bills and enjoy the what’s left. I have friends who have 3x my income and are spending it on newer model cars and vacations, but never seem to be happy and satisfied. They always talk about their next upcoming adventure. The cost is always part of the picture and disguised in the smiles. I’ve found that it’s their happiness and not mine. I’m content going to the local park and museum and free jazz concert. Even driving out of state for a weekend jaunt just because. Equating retirement money and joy and happiness all in one is chaotic. Retirement is this- God, more God and then some more God and then some Joy and then some more Joy and then some Peace and then some more Peace and then some Rest. Money is not part of the equation. It’s a mere tool to be used to make carnal life more comfortable. Godspeed!
🇨🇦/🇺🇸… ADD/ADHD is a problem for many people including me. It basically ruined my life. Other health issues that have popped up late in life have also taken their toll. KNOWING these things becomes somewhat empowering… Information like this, however, is what is very much needed for much of society. Thanks… Cheers!
You have a lot of good points I’m 58 no retirement just started health issues my mother passed at 52 cancer my dad is now 80 I try to budget but pay check doesn’t go far hoping to try to save for retirement I’ve had numerous friends my age pass I hope to make it to retirement having open mind an positive attitude I guess the story goes never give. 😀
What a great article!! I really like #10– have faith!! I’m 62 and I’ve been retired since the age of 55. I’ve done almost everything that he describes here and it really works!! This article is inspiring and gives hope to all of us. I like his delivery and how he explains each point in detail. Thank you for a great article!!
This article is what my current situation is. Thank you for the advice. But one thing I love in the way you present this problem to people with no retirement savings is setting you and your family as an example on how to overcome the problem. I can read it in you the sincerity, honesty and determination to be able to avoid paying rent. With your wife as a caregiver, you both have big hearts to share to others in need. Thank you for sharing. What a great inspiration!
I am blessed to have found your website. I am 57 and have a high income but had a 5 year career reversal that drained almost all we had set back for retirement so at 55 I got to star over. I am very healthy and fit as is my creative wife. My issue is I feel so bad about letting the happen that it is easier to ignore than confront. This has given me focus and I already learned something and subscribed Thank you for your ministry, yes it is a ministry, and may God bless you for what your are doing.
Yes, this was very interesting! I had to retire early at 58 after my husband passed and had to move my mother to my home town into assisted living. Since I was a licensed cosmetologist, I took over the salon and was able to help take care of my mom and keep everyone there looking their best. I ended that at the time of her death and retired completely for 5 years which enabled me to spend time with and travel some with my new partner in life. I’m 71 now and I’m good health so am thinking about what to do next. I’m interested in looking into the HECM strategy as my home is paid off. Very interested in the possibility of a tax free income, so will be purchasing your book!😁 I LOVE what you and your wife did, thinking outside the box! That was PERFECT to get you started. I, too, LOVE older people!!! Thank you! You made me get motivated again!
70, Canadian, keto, working out 4 times a week and still working full time. Life has had some setbacks and it is not always straightforward to hold onto those savings. Anyway, I like your presentation style and most of it is relevant and helpful up here too. Thank you. I have subscribed. Your toughest recommendation for me is #10; well, I guess I have some faith in myself. All the rest are great and I am doing it and also enjoying life. (It is actually nice to finally be “the old girl at work who knows everything”!) I have goals and I am a determined soul!
#13 stop buying expensive toys when you have a bit of extra money, Boats, ATVs Motorcycles etc you don’t need and most likely will hardly use and most importantly are dead assets loosing value every day. That $10,000 you might spend on a boat IF invested in an S&P 500 index fund would have more than double twice in less then 20 years meaning you’d now have $42,000 AND GROWING by forgoing the boat. Instead of buying that $60,000 New Truck buy a late model used vehicle at a fraction of the cost (pandemic issues aside) …instead of that $800+ cell phone buy last years model for $400. STOP EATING OUT ALL THE TIME!
Hey Lane!!!! You have replied to comments from me before, I have your book, and find your YouTube website very helpful! My wife’s parents are getting low on funds, need to start looking at assisted living, and really need an advisor like you to help them glide to the end rather than crash. How can I find somebody like you for them in Hampton Virginia? They are relying on advice from banks and brokers. A good fiduciary advisor is what they need but I am not sure how to find a good one! Any help is appreciated!!!! Thanks
Thanks for inspirational suggestions. I am 60, just resigned a private job as sales manager. No own property, saving- corona lockdowns effect. Now launching start up in similar Field. No retirement plan till 80 plus. I attempt to be nearly fit – physically, mentality, socially. Learning new skills. I have so much belief in me that my income in next 10 years will be higher than what total I earned till now. Preparing myself to meet upcoming challenges to accomplish that income and property goal. And make regular contribution to needy relations and society. Thank U GOD for being with me always.
This article has definitely helped me with what I have started doing. I do have a decent income employment and have started the saving after many years of blowing money. I’m 65 and don’t have anything saved up for retirement. I thank God that he provides me with good health which I only get because of His infinite grace and love. I want to read the suggested books to further understand my situation and what I should do moving forward.
Good day. I can relate to this scenario as I am now 58 years old and soon be 59 this coming October. I lost my job last year after 10 years in a Greek shipping company, I was forced to resigned merely because the 2 owners representative don’t like me. Likewise, my previous years of work in previous companies was not able to give me a good opportunity to earn good income, only in the last ten years prior to my forced resignation… there is worry but I thank God that I have find work again, and currently 3 months in my new job as an instructor. I pray to God to give me strength and keep me working till ten years I hope to save money.
Honestly,I’m not in any event kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement. I’ve been in the red for a while now and although people say these crisis has it perks, I’m losing my mind but I get it, Investing is a long-term game, so I try to focus on the long term.
I have challenged myself to put away 50% of my monthly income into dividend stocks which is quite easy since I live frugal without debt. I work as an account executive, and make over $20000. $10000 goes into dividends, and the other $10000 covers my my food plus living expenses. I am seeing improvements in my portfolio, dividends look certain for retirement, but I have to attribute this to only to guidance of a licensed fund manager who allocates funds to a plethora of assets. I have to stay disciplined, and remember that I’m in it for the long term. Good luck to everyone and thanks for the great article.
Excellent advice and a calm delivery of a very difficult situation for many. At first I began to share a rental house but then decided that the van life and traveling the country was highly appealing since it eliminated rent as a major expense. I have reduced my food cost almost to a bone, and am able to enjoy a glass of wine and a cigar daily. Did I mention I travel the country full-time? I meet a lot of interesting people many of whom are doing the same.
I started retirement planning at 20 years old. I retired at 64. Not rich by any means, but very comfortable. We had three daughters all in college at the same time. Have had numerous large expenses, medical issues and setbacks over the years. Just kept plugging away and following my retirement plan. Never tried to keep up with the Jones’s and lived within our means. I understand some folks have life setbacks that may prevent that. I have friends who always had the latest house, car, boat, etc. they are now paying for those possessions with little saved for retirement. Some may never be able to retire.
Came across this. Thanks! I love this article but some points seems to apply only in the US. My wife is 46 and I’m 52 now still actively working. We don’t have bad debts. We started to invest in the stock market, funded more on our social security pension, bought life insurance, bought a memorial lot, now I bought franchise rights for a small food business which I will start next year. Am also looking for a beachlot for retirement and build a small house there. We don’t plan our retirement age we just keep on working as much as we could but we would want to become entrepreneurs, investors and leave our jobs as soon as we could. Prayers, having a vision and putting it in action is really important.
THANKS. Just what I needed to watch. My wife and I are administrators of our farming business and our own properties, as well as small pensions. I am almost 56, my Wife is 52. We have started saving for retirement from the farm and maybe live off rental income, I would really appreciate it if you would do a article on how to earn passive income online and retire comfortably let’s say 1 million bucks.
Great advise. Am 68 1/2. Started collecting SS at 66. Goes into savings I do not touch. Own home outright as well as a rental single family home I own outright. Rent payments deposit in rental cking account that I do not touch except for expenses re the property. Have additional SEP IRA with a moderate chunk. Been in business 29 years, still working. May retire at 69 or 70. Nice, but moderate chunk in that account. Not in debt. 2 CC cards, 1 personal, 1 business. Pay off every month. Secret in business is never rob Peter to pay Paul. And never use your home as a bank. Two trucks, 03, 16, paid for. Still concerned may not have enough 2 last thru retirement since fairly healthy.
Ohhhh….I love #10 and #11. I found you by researching a Reverse Mortgage. I could listen to you all day. You are a wonderful speaker with a confident, soothing, non-judgemental way about you. You have definitly given me strenth and hope. I subscribed and rang the bell. Looking forward to more of your information. Thank you so much!!
Hi just found you accidentally, and I started listening to you and called my wife and we both sat here and decided we like you and that we’re going to listen to you and do much of what you say. Excellent job on your YouTube website your delivery, your information, and your subject matter we’re quite happy that we found you.
Glad your article popped up on my feed. It gives me some hope as I am 57 years old and due to some extraordinary circumstances i pretty much had to exhaust my entire savings of over $125K and had to sell most anything we owned that was of significant value. My wife has been receiving Social Security ror the past 15 years and I now earn under a 6 figure income. About 38% less than before our unfortunate circumstances had evolved. Needless to say, I now have absolutely $ZERO saved and im worried that due to a progressing medical condition that i may have to retire at 62 instead of 65 or 67. Hoping you have more articles that will be of great help to us… Thanks much for taking the time to do these articles.
Great article. Some of the things you recommend are hard to hear (especially work longer-When you’ve been working 45 years and would really like to not have to anymore). working in another career has merit. Change of environment could make all the difference to those that are burned out on what they do.
Thank you so much. I’m 31 and having to take care of my dental health along with my physical health. I feel I have to put everything in taking care of teeth and nothing to retirement. Your statement about taking care of your health is so true. In twenty-years my health can be worse because of what I don’t take care of now and can take away from my earning potential. I will try and save. Maybe if I am forced to retire earlier I am better off starting now than waiting to a better time.
In my experience about money i just spend only to what I need and not to spend to what I want. Wants and needs is different. In saving money it requires a lot of discipline, focus, set goal, effective planning with money or budget and prevent debts. Debted life is so stressful. I try no debt as much as possible, seems life is so easy and can save money much better when you don’t have debt. Life is peaceful.
I blew my money like crazy on stuff i really didnt need. When I was 50, I had zero saved. I started saving as much as i could. Now, 2 years until i turn 62, I have saved almost $200,000. I know it aint much, and I wish I had started saving much earlier. But this little bit will supplement my pension and social security.
Great article! I was actually looking at investment opportunities and your article came up! The title stood out to me. I will be 55 next month and have a small amount saved. I’m ready to catch up 🙂 lol. I’m one of your new subscribers now. Thanks so much for posting this article. It really gets a person to seriously begin thinking about preparing for retirement. God bless you.
I have been researching this investing issue for a few days now and came across this article and just begin to cry. I have struggle for years to learn about money and investing because this was something that was never taught in our home. This article is so helpful. I am currently working on my debt, and planning for my retirement. I had many set backs, including my current situation of multiple health issues. Thank you so much for sharing this article and as soon as I can afford these recommended books, I will order them. Retirement for me is not that far off and I would love to take what I’m learning and teach this to my children and grands. God Bless you and your family.
I am 62, expat working in one of the Gulf Arab countries, dismissed from my job after working 28 years without pension . Just given three months salary as an end of service payment. I have to pay for kids school and daily expenses. Always stressed, my mind doesnt seem ro work properly. I found your website by accident and it helped me a lot. I am now working part time and life is going.