How To Survive Loneliness- During the holidays and beyond!

Loneliness is a complex and usually unpleasant emotional response to isolation.

 Loneliness typically includes anxious feelings about a lack of connection or communication with other beings, both in the present and extending into the future.

Feeling sad and unhappy about being socially isolated.

Loneliness can be normal and is only an indicator of underlying disease when feelings become excessive,  all-consuming, and interfere with daily living.

It’s a natural human feeling. If you are alone or feeling unwanted or unloved or something similar, you’re going to feel lonely. Feeling lonely all of the time could mean that you’re longing for something more than what you currently have to fill your loneliness.

Researchers have found that loneliness is just as lethal as smoking 15 cigarettes per day. Lonely people are 50 percent more likely to die prematurely than those with healthy social relationships. There are several reasons why loneliness can be deadly. … Stress will also affect you more if you’re lonely.

Loneliness: Loneliness is a feeling of emptiness inside you; you feel isolated or separated from everyone, cut off from those you would like to have contact with. … Instead, loneliness is the feeling of sadness about being alone.

• A mental health disorder characterized by persistently depressed mood or loss of interest in activities, causing significant impairment in daily life. Symptoms may include: * Restless sleep* Early awakening * Rumination is the process of continuously thinking about the same thoughts, which tend to be sad or dark, is called rumination. A habit of rumination can be dangerous to your mental health, as it can prolong or intensify Volunteering, attending a community or religious events, or taking a class may help form new friendships and reduce loneliness. Going for a meal, coffee, or a walk with family or friends may also help. I personally recommend taking dancing lessons. You get to meet friendly people who are also looking to interact with other human beings. It is good to focus your thoughts on what you have in your life, instead of what you don’t have. Embrace loneliness and use it to reinvent yourself in the process.  as well as impair your ability to think and process emotions.

How To Lose Your Fat

How To Lose Your Fat!

Lose it, Lose it, Lose it!

FREE Weight Loss Elixir Recipe

Scientific studies have shown that doing the following will help you create the body you want to manifest!

You can lose belly fat!

First, you must believe you can do in

your subconscious before it will manifest in life. Scientific studies have shown that doing the following will help you create the body you want to manifest!

Manifest Miracles In Your Life Dream Board

Manifest Miracles In Your Life Dream Board

By paying attention to your dreams and taking the time to shape them into concrete aspirations, you are taking a step toward moving yourself in the direction of growth and away from the alternative.

Napoleon Hill, the famous author of one of the most popular personal development books of all time, “Think and Grow Rich”, said, “Man, alone, has the power to transform his thoughts into physical reality; man, alone, can dream and make his dreams come true.”

He has gone on to say, “thoughts are things.” The importance of paying attention to your desires and treating them seriously cannot be overstated.

A vision board is a concrete representation of your desires and aspirations for a compelling life. They are fun to create and can serve as an invaluable tool to motivate and inspire you towards concrete daily action in pursuit of your biggest and most important life goals.

With a vision board in hand, you will be moving toward growth in the most important areas of your life!

Manifest Miracles, vision board, weight loss vision board, manifest love, manifest money, law of attraction, dream house, dream car, dream relationship.

How To Reduce The Cost of Your Prescriptions

How To Reduce The Cost of Your Prescriptions

Why do I need GoodRx?

Prescription drug prices are not regulated. The cost of a prescription may differ by more than $100 between pharmacies across the street from each other!

Insurance isn’t helping like it used to. In the past 10 years, insurance companies started passing 25-80% more of the cost of drugs onto patients.

How can GoodRx help me?

GoodRx gathers current prices and discounts to help you find the lowest cost pharmacy for your prescriptions. The average GoodRx customer saves $355 a year on their prescriptions.

GoodRx is 100% free. No personal information required.

How do I find discounts for my drug?

It’s easy. Just go to the home page, type in your drug’s name in the search field, and click the “Find the Lowest Price” button.

We’ll even help you spell the name of your prescription.

What are GoodRx coupons?

GoodRx coupons will help you pay less than the cash price for your prescription. They’re free to use and are accepted at virtually every U.S. pharmacy.

Your pharmacist will know how to enter the codes on the coupon to pull up the lowest discount available.


How do I use a GoodRx coupon?

It’s similar to using a coupon at a grocery store. Simply print the coupon and bring it with you to the pharmacy when you pick up your prescription. The pharmacist will enter the numbers on the coupon into their system to find the discount.

Don’t have a printer or want to save paper and ink cartridges? You can show the coupon on your phone by:

  1. A) Sending the coupon to yourself via email or text
  2. B) Or using our mobile app
  3. C) Or visiting our mobile website


How does GoodRx make money?

GoodRx is free for consumers, and they do not require that you create an account to search for prices and receive discounts.

They do not collect your personal information. They make money from advertisements on it’s site and referral fees.

Please subscribe, like and share this valuable information. GoodRx can be used by anyone with or without medical health insurance.

Personal Financial Road Map- How to get where you want to go!

Financial Road Map- How to get where you want to go!

Emergency Fund:
The first step on your financial journey is to create a 6 to 9 months “Emergency Fund” made up of what it will cost to life if you were to lose your source of income.
This should be put into a savings account that you can access at any time. You’r looking for access and safety of your money not profit.
Pay yourself first!
You should live on 90% or less of your income. From any source of income put aside at least 10% as a buffer beyond the amount in your Emergency Fund.
Why? Because SHIT happens and when it does you want to have some CASH available!
Good Debt vs. Bad Debt: An Overview
There certainly is an argument to be made that no debt is good debt, but borrowing money and taking on debt is the only way many people can afford to purchase big-ticket items like homes and cars. While such loans usually are justifiable and bring value to the person taking on the debt, there is another end of the spectrum that involves taking on debt through careless spending on a credit card.
Real estate, including homeownership. There is a variety of ways to make money in real estate. On the residential front, the simplest strategy often involves buying a house and living in it for a few decades before selling it at a profit. Residential real estate also can be used to generate income by taking in a boarder or renting out the entire residence. Commercial real estate also can be an excellent source of cash flow and capital gains for investors.
The stock market is the market of the greater FOOL!
The seller thinks the buyer is a fool for buying something the seller thinks will lose value while the Buyer thinks the seller is a fool for selling something he thinks will go up in value.

When Can You Invest

  • First rule of investing is to only invest what you can afford to lose.
  • This means you have paid off your credit card debt, created an emergency fund and have a cash buffer in the bank.
  • Why do you need to do all these things first, it is because the market can be down when you need money and you will get far less than you put in

  • Investment vs Speculation

  • Investing in the market requires a long term commitment of at least 5 years.
  • Why 5 years? On average if you invest in the market long term 5 years should be enough time for you to recoup your losses.
  • An investment can best be thought of as something that you have researched that promises safety of principal and a satisfactory return. Investment not meeting those requirements are considered speculation.

What are Stocks vs Bonds

Bonds vsStocks.

 Bonds are debts while stocks are stakes of ownership in a company. … On the other hand, bonds often pay out a fixed interest rates that the entity pays the investor, out annual interest rates to investors while repaying the amount in full at a given time.The value of stocks is based on the profits and future prospects of a company as judged by the market. A stock can go up in value or down in value causing to make or lose money.

How to Reduce Risk


What Is Diversification?

Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. A diversified portfolio contains a mix of distinct asset types and investment vehicles in an attempt at limiting exposure to any single asset or risk. The rationale behind this technique is that a portfolio constructed of different kinds of assets will, on average, yield higher long-term returns and lower the risk of any individual holding or security.

The Basics of Diversification

Diversification strives to smooth out unsystematic risk events in a portfolio, so the positive performance of some investments neutralizes the negative performance of others. The benefits of diversification hold only if the securities in the portfolio are not perfectly correlated—that is, they respond differently, often in opposing ways, to market influences.

What are Mutual Funds

What Is a Mutual Fund

A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund’s assets and attempt to produce capital gains or income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.

Mutual funds give small or individual investors access to professionally managed portfolios of equities, bonds and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Mutual funds invest in a vast number of securities, and performance is usually tracked as the change in the total market cap of the fund—derived by the aggregating performance of the underlying investments.

Taxable vs Tax Deferred

Taxable, Tax-Deferred, and Tax-Exempt

Generally speaking, investments can be taxable, tax-deferred, or tax-exempt. The first step toward tax-efficient investing is to determine how your investments are structured under the law:

  • If the investment is taxable, the investor must pay taxes on the investment income in the year it was received. Taxable accounts include individual and joint investment accounts, bank accounts, and money market mutual funds.
  • If the account is tax-deferred, the money is sheltered from taxation as long as it remains in the account. Traditional IRAs and 401(k) accounts are examples of tax-deferred savings.
  • For tax-exempt accounts, such as municipal bonds, investors do not need to pay federal taxes even when the money is withdrawn.

Each has its advantages and disadvantages. As a rule of thumb, tax-efficient investments should be made in a taxable account, and investments that are not tax-efficient should be made in a tax-deferred or tax-exempt account. Granted, not everyone has both.

In this video I have tried to give you the first stepping stones to your financial future, it is now up to you to learn more and do the hard work that your financial future requires of you.

One day the old you will ask the young you what did you do with all the money we made during our work years.

Information provided in this video are for informational purposes only, not intended to provide tax or legal advice or serves as the basis for financial decisions. Your needs, objectives and experience will vary. Consult a qualified investment or tax professional regarding your individual situation.

A Medical Expense That Really Hurts! What Could It Be?

A Medical Expense That Really Hurts!

• What could it be?

• •The average person spends over $1,000 or more per year on it!

• Most of us don’t have health insurance coverage for it!

• You need it more than ever when you are in your senior years.

• Most of us avoid thinking about it until it’s hit with right in the mouth.

• It’s the cost of your dental care!

• What About  Dental Insurance? • Dental insurance is not profitable for insurance companies and this is why it provides so little coverages.

• Adverse selection -A common example of health insurance occurs when a person waits until he knows he is sick and in need of health care before applying for a health insurance policy. Most people wait years before buying dental insurance until they need dental work. People always use up the max of dental coverages.

• The way insurance works are based that a certain percentage of people will not use the coverages which will cause the insurance company to lose money.

• •

Dental Savings Plan

A dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.

Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at bigger savings than you ever imagined possible.  Go to our website to find your Dentist and enroll. is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC

How To Get Help Paying For Prescriptions If Your A Middle-class Senior

How To Get Help Paying For Prescriptions If Your A Middle-class

The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State program for seniors administered by the Department of Health. It helps more than 327,000 income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs.

Even if you earn up to $100,000 filing joint you can enroll in EPIC. is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC

Robocall Scam On Seniors & Veterans

A senior citizen got a call from someone claiming that his Social Security number had been “compromised,” according to report.

The “Robo type” caller told the senior to call a special number, in order to fix the so-called problem.

Instead, the senior did what police say a victim should always do in a case like this — call the police.

Law enforcement told him to get a free credit check, to confirm that his social security number had not been used in a fraudulent manner.

These types of robocall scams are happening across America.

The fraudulent schemers target senior citizens and Medicare Part D participants. The scams can occur anytime, but they tend to increase during tax filing time when getting someone’s Social Security number can provide access to a person’s tax return information.

1-800-772-1214 Comes On Caller I.D.

  • The Robo caller even has a way for the Social Security Administration’s national customer service line to come upon a person’s caller ID.
  • The schemer identifies themselves to the senior or veteran as an SSA representative. They then tell the senior or veteran that the SSA does not have all their required information, such as their Social Security Number, on file.

Another scheme is that the SSA need additional information to increase the senior or veterans benefit check, or that the SSA will stop the senior or veterans payments if they do not confirm their information.

“A legitimate caller will leave a message and you can call them back.”

Protect Yourself

  • An SSA staffer will never tell you that you can lose your benefits or increase your benefits in return for you providing the requested information.
  • If you get this robocall it is a fraud scheme and you should hang up. Hanging up is your best protection if you get this type of call.
  • Never give your SS number or banking information to someone that called you out of the blue either on the phone or over the internet.

Report this scheme to the Office of the Inspector General at 800-269-0271 or

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Health Care For Female Vets

Health Care For Female Vets

Female Vets Deserve Better

Our female veterans deserve better care when they come home. They deserve treatment opportunities and care that is gender specific. Trying to tailor medical and mental health treatments designed for men to work with women is not an option. Systems must be designed so that women who serve are properly cared for in every aspect, with gender specific treatment options and devices.

Access to gender-appropriate care for these veterans is essential.

Gender Differences in Treatment for Disabilities

A troubling area where female veterans are not provided adequate and equal care after their service is in treatment for disabilities. Many women lose one or more limbs just like male veterans do, however prosthetic devices, support, and medical care for these injuries are based on male physiology. Women tend to have smaller arms and shoulders, with wider hips and legs than male counterparts.

Prosthetic used for women tend to fit improperly because of the physical differences between the genders. This can create many hardships, and cause considerable emotional distress as well as problems with confidence and self-esteem for female veterans. While customized prosthetic for women are available on the private market they are generally not offered by government agencies.

Vital Healthcare Services For Female Veterans  are Lacking

The number of women veterans is growing, and the VA is simply not doing enough to meet their health, social, and economic needs.

As more women serve in the military, the rates of PTSD in women veterans continue to keep pace with male statistics. Although some of it is caused by combat or related stress, the effects of Military Sexual Trauma (MST) have an outsized effect on women.

The DoD and the VA still fall short of providing equitable health care services to all veterans. There are few, if any, gender specific care guidelines and services that are necessary for women such as breast and cervical cancer screenings. Policies must be changed and improved on so that women who serve are not left behind once they return home.

The best way for a female veteran is to have other health insurance other than the VA. Once a female veteran has been disabled for two years and receiving social security she can then apply for Medicare and receive additional medical benefits, those who turn 65 automatically qualify for Medicare.

What Services Does VA Offer Female Vets?

VA provides comprehensive primary care that includes services for acute and chronic illnesses, preventive services, and gender-specific care, and other services. VA’s medical staff are experts in providing medical care and services beyond primary care, including:

• Mammography

• Gynecology

• Military sexual trauma-related care

• Counseling

• Military and environmental exposure

Women Veterans can apply for VA health care enrollment and other Veterans benefits by completing VA Form 10- 10EZ. To complete the form:

• Apply online at •

Visit, call, or write to any VA health care facility or Veterans’ benefits office • Call the VA Health Benefits Call Center toll free at 877-222-VETS (8387)

• Get more information online about VA benefits ( and eligibility ( healtheligibility/)

Please share with any veterans who need this information.