NO NEED TO MISS ANOTHER PHONE CALL

I went to a Zoom meeting that some would call grandparents meeting, senior citizens meeting, women of a certain age meeting even though there was one man in the meeting. This meeting was very informative. The program was the Senior Assist Program, and today it featured a presentation by a representative from the Specialized Telecommunications Assistance Program, STAP for short.

This was my first meeting of the Senior Assist Program, and I wanted to see what it was all about, and if I could learn something for myself or someone else. I learned a lot that I want to share with you.

The talk today was on communicating with those with disabilities such as hard of hearing, deaf, mobility issues, speech impediments and more. At this time I don’t have any of these, but I have a relative that does. This person is hard of hearing so when they talked about telephones that would assist them with talking on the telephone my ears perked up.

This program is available in most states, and it provides telephones, tablets and accessories to help people who need help enjoying a conversation on a phone. They do still have landlines, smartphones, tablets and more that have different features to assist the persons specific needs. They assist you in selecting the equipment that best suits each individual.

This service and the equipment is free of charge. You do have to fill out paperwork, send off proof of residency (you must live in the state that you are applying from. The person who will receive the equipment must sign the application. The only downside is that it does come from the state, and it can take anywhere from 2 to 4 months to get the equipment.

Here is a slideshow that will explain the program, the equipment and application more. It is from the Texas Health and Human Services Department. If you don’t live in Texas find your state’s Health and Human Services Department. In Texas you can also go to the Specialized Telecommunications Assistance Program site (STAP) to find more information. You may have to do some research in your state to find out about programs such as this, but it will be well worth the effort.

I’ll be going back to the next Senior Assist Program because if I don’t need the information, I know someone who does. Remember “thisisyourbestyear” there are services out there to help those that need it.

Here’s One Question to Help You Know What Type of Business to Start in Retirement

*guest post by Mike Lieberman

You’re looking to start a business in retirement, but you’re not sure what type of business makes sense for you.

There are so many different types of businesses you can start these days.

Where do you even begin?

There’s one key question you must ask yourself when deciding what type of business to pursue, and if you don’t, you’ll end up wasting your time and money.

Let’s avoid that mistake all together. Shall we?

What’s the question to ask yourself?

To help you get more clarity, I sought out a retirement coach who specializes in assisting Professionals and Executives as they make retirement transitions with the life side of retirement planning. His name is Kevin Lyles of Winning Retirement Coach. He’s also the Head of Education for Rock Retirement Club.

I wanted to get his perspective for you on this since he deals with such scenarios on a regular basis.

I asked Kevin, “If a client was to say to you they’re thinking of starting a business in retirement, what’s the first question you would ask them?”

“What do they want to get out of the business?” responded Kevin. “That will lead to how I could counsel them because there are many possible answers.”

Before getting into some of the answers Kevin shared with me, let’s dive into why this question is important.

Why must you answer this question

Up until this stage of your life, the work and career part has been mostly out of necessity. It’s commanded a large part of your time over the years because there are these bills and taxes we all must pay.

As you enter this next stage, the work and career part plays a completely different role. You now have more free time and you’re not as reliant on it as your main source of income each month.

This means the type of business you choose to pursue needs to align with the greater vision of how you now want to spend your time.

That vision completely shifts the thinking about the type of business you start and why that question becomes so much more important to get clear on.

Previously work and career dictated how you spent your time, now you have more control over it.

So let’s get clear on what you want to get out of your business to make sure it aligns with your vision.

Ok?

Five common answers

Kevin shared five common answers to “what do you want to get out of your business?” with me.

So let’s dive deeper into each of them.

1. I need the income
If you’re retired and you need to replace your income to continue living, you might consider continuing to work or seeking other employment.

Let’s be real. Starting a business is not easy and it’s not going to be instantly successful overnight. It’s going to take time to start producing income, if it ever does.

So if you need the business to replace income dollar for dollar, take other options into consideration.

Though if you’re within a few years of retirement and think you’ll need to replace the income, now might be a good time to start. That way you can build up the business without the pressure of instant success.

2. Extra spending money
Your financial retirement plan might be rock solid and your financial needs are met with your pension, 401K and/or savings.

What you might want to get out of your business might be extra play money.

Each year you want to take you and your entire family on a vacation.

There’s a charity you’re passionate about and want to donate to them financially.

Maybe there’s a lavish purchase you want to make for you or a loved one.

Starting a business can help to reach that goal.

3. Build a legacy for your children
Building a legacy to pass down to your children can mean many things.

It might mean building a business to hand down to your kids.

Possibly it’s building more wealth to hand down to future generations.

The legacy could be leading by example and showing your family that anything is possible at any age.

Leaving a legacy such as these might be what you want to get out of your business.

4. Solving problems for others
It’s common for people to start a business around something they’re good at and can help others with.

“That was something I liked to do,” said Kevin. “During my legal career I was working mostly for corporate clients, but I really liked helping them with their problems. So this way (through coaching), I can do it on a much more personal level to really help counsel people through their retirement transition.”

5. Purpose and meaning
As mentioned earlier, work has taken up so much of our time during our life. There will now be the large void of time.

“That’s a problem a lot of retirees face after working,” said Kevin. “If they’ve been working 10-12 hour days for 30-40 years, now they wake up and don’t know what to do with themselves. Having a business can really fill that void and give them some purpose and reason to get up in the morning.”

“If they’ve been working 10-12 hour days for 30-40 years, now they wake up and don’t know what to do with themselves.”
– Kevin Lyles, Winning Retirement Coach

Those are just some of the answers to help you get some clarity and start thinking.

Once you know what you’re looking to get out of your business, you can now focus on the details around the structure and opportunities that support your vision.

Remember “thisisyourbestyear”–make the best out of your retirement years.

**Mike Lieberman is the founder of Retirement Redefinition. He created the site to help you define your retirement lifestyle and start an online business that fits it.

Out of the Mouths of Moms

Happy Mother’s Day to all the moms. Your words of wisdom will carry your children throughout their lives and beyond through generations. We thought we would ask our readers to share with you some of the wisdom their mother’s shared with them.

“You can’t live your life by other people’s standards, you must do what is right for you…if you want to be happy.”
Mrs. Alvin Johnson, mother of Carolyn Alexander
“The secret of life is JOY
Jesus first, Others second, Yourself last–JOY“.
Mrs. Edith Kelley, mother of Nancy Amos
“You can be whatever you desire to be/do if you put God first, be committed and never give up”.
Meshelle Stewart’s mom, Betty Hill
“The word dumb doesnt exist. Do the best you can with what you have to do it with”.
Mamie Coby Abdul-Raheem’s mom, Emma Coby
“Treat people the way you want to be treated”.
Mrs. Irma Rose White, mother of Pamela Berry
“(You) being present is important”.
Mrs. Mary B. Howell, mother of Rev. Dollie Howell Pankey

HAPPY MOTHER’S DAY, REMEMBER YOU ARE SPECIAL–“thisisyourbestyear”.

Christmas Parade–Making Memories

The one sure way to know that it’s the Christmas holiday season is with marching bands playing, floats coming down the street with lights and Santa Claus waving to everyone along the parade route. We’ve listed a few that are in the North Texas area. We’re sure there are more. Take a look at these and you might be able to make a couple. If you do, you have to decide how to tell your children and/or grandchildren why Santa looks a little different at each parade.

Take a look at these parades–enjoy!

November 24, 2019 @ 6:00 PM GM Financial Parade of Lights: Downtown Fort Worth 76102 

The Parade of Lights in downtown Fort Worth is the brightest Christmas parade around with everything and everyone lit up with Christmas lights. The shops will all be open for a little bit of shopping before the parade, and of course you can enjoy the 65 foot Christmas tree in Sundance Square. There is reserved seating available.

December 7 @ 10 AM Holiday Parade: Downtown Dallas 75202 

This is year 33 year for this event that features marching bands, cartoon characters, holiday floats, larger-than-life balloons and so much more. Premier tickets are available.

December 7 @ 6 PM Christmas Parade and Tree Lighting: Bakersfield Park, Flower Mound 75028 

Join the town in celebrating its 30th annual Christmas Parade! This year’s theme will be “The Twelve Days of Christmas.” After the parade, there will be a tree lighting ceremony with choirs singing, Santa Claus, family activities, vendors, food trucks, and much more!

December 14 @ 6 PM Arlington Holiday Lights Parade: Downtown Arlington 76010 

Enjoy the annual Holiday Lights Parade in downtown Arlington.  Come see and hear the sounds of Christmas, and then enjoy the lighting of the Christmas tree on the steps of City Hall. There will be family activities including music, food, vendors, and a screening of the movie “Elf”. 

Honey’s baby amd I had a great time last year at the Parade of Lights in Fort Worth. Remember “thisisyourbestyear” Christmas parades make memories that last a lifetime.

Grandparents As Parents

Being a grandparent is one of the best things this side of heaven. Each grandparent thinks their grandchildren are the cutest in the world. Their grandchildren are the smartest, so much smarter than their children were at that age. When grandchildren come to visit, grandparents give them almost anything they desire. They let them do whatever their hearts can imagine and more. This is so true for the preteen grandchildren. As they grow into teenage years it’s another story. Grandparents love grandchildren because after all the fun they have, the food they have eaten, the playing they have done and much more they are packed up and sent home to their parents. Grandparents can then go back to whatever they want to do–they’ve earned it.

Some grandparents can’t send their grandchildren home to their parents because they have become the parents. There have always been grandparents that raised their grandchildren for some reason. There was always Big Mama Susie, Granny Louise, Paw Paw, Daddy James and more who took on the role of raising a grandchild.

In the state of Texas alone there are approximately 823,750 children under the age of 18 living in homes where the householders are grandparents or other relatives with the majority living with grandparents.

According to the Grandfacts State Fact Sheets there are over 315,000 grandparents that are raising grandchildren. Of those:

  • 67% are under the age 60
  • 62% are still in the workforce
  • 23% live in poverty
  • 23% have a disability
  • 26% are unmarried (grandchildren are living with a single parent)

These grandparents having raised their children have once again taken on the responsibility for the day-to-day maintenance of a home, schedules, meals, homework, play dates and more. These items may seem simple, but homework is not the same as it was a generation ago. Years ago play dates consisted of going outside and playing with the kids in the neighborhood. There was no scheduling of activities. Birthday parties consisted of cake, punch and a few games in the backyard or den. There was no social media, cell phones and internet. In addition to time, the majority of these things carry a monetary component.

The grandparents who are raising their grandchildren now have to redo their lives, their dreams and much more. They have to give up their independence and start all over again. Their finances will ultimately take a hit, and retirement may not be in the picture in the near future. That dream of finally starting their own business has again become just a dream.

All of this is not to say that grandparents do not cherish their grandchildren, it’s just that their lives or at least the idea of what their lives should look like at this stage of life will have to change. Their new normal is not the normal they day dreamed about.

There are programs that will assist the grandparents in their new role as primary parents. At my church a senior group meets once a month to talk about the good, the bad and the ugly of raising grandchildren when you thought you would only see them on the weekends. It allows the grandparents to learn from others who are in similar situations, and to give guidance to those that need it .

In every state there are organizations that will assist those that are raising children for the second time. AARP has great information in the Grandfacts sheets for the United States and for your state. There are local programs that can assist also.

Grandparents may need a little help when raising grandchildren. Those that take on this task are indeed “grand”. Remember “thisisyourbestyear”, and just in case you didn’t know my grandchild is the cutest and smartest.

Welcome to This is Your Best Year!!!

Welcome to thisisyourbestyear”!  You and I are on this journey together.  Together and collectively, we will give suggestions on living life to the fullest.  This is a blog for women who thought that when they reached this age, life was over.  This is for all of those women who thought their mothers were old at this age–well they may have been, but that’s not the case anymore.

Maricia-City2

We will discuss everything from health, beauty, faith, life, children, grandchildren, exercise, careers, retirement, starting all over again in love and/or career. We will talk about learning the word no, taking time to be who we are.  With this blog we will have fun, we will talk fashion, food, travel and all kinds of products–in other words, we’re going to talk about us.

You can always email us at  thisisyourbestyear@gmail.com and see all the things we are doing by visiting us at thisisyourbestyear on these social media sites–Facebook, Instagram, Tumblr and YouTube.  We are also on Twitter at: thisisyourbestyear@mariciajohns.

Let’s get excited ladies, and stay tuned.  Remember–“THIS IS YOUR BEST YEAR”!