OUR LIFE IN 3D

The Home of Daddy's Day Dare! ~ I am just trying to stay above water

Archive for the month “February, 2013”

No Valentine’s Day here…

The Valentine’s Day holiday (?) is on the horizon. What are your thoughts on this? I may have a surprise for you. We really don’t celebrate Valentine’s Day here. Its true. While I enjoy trying to be romantic, from a creative point of view, I find lots of times it can catch Mom off guard and so the exercise is wasted. She never wants anything (allergic to flowers and trying to swear offf of the Christmas chocolates) would rather save some money, and so we don’t indulge.

This family tradition started off when I was a restaurant manager years ago and, of course, I had to work that day, one of the busiest of the year. Folks, don’t go out to dinner on Valentine’s Day looking for a special night. With all those other lovers out there, a romantic experience is just too hard to pull off, from a restaurant perspective. And who wants to wait that long for a table anyway? Go the day for before or the day after.

So we may do some cards, but we even decided against that this year, based on the price of cards for a piece of cardboard. Being unemployed has made us thrifty!

We have gotten in the habit of of traveling to some place warm for Valentine’s Day however, trying to escape some of the winter blues. This is our gift to each other.  With both of us getting 2 paaid vacations each year we enjoy taking the nice vacay to escape the cold. Valentines Day seems like th eperfect time. The rates in the Caribbean are affordable this time of year. The water is still plenty warm to swim in and you really don’t have to work too hard to get a tan or a burn.

Our routine is to find an all-inclusive somewhere so we don’t have to worry about money or finding places for meals. We started this ‘family tradition’ a few years back when we went to Jamaica. I have an entire story about that trip. Mainly, the point is beware, although we did have a very romantic Valentines sail! But after our nice trip back to Jamaica this past fall we have reconsidered.

We also traveled to the island of Curacao, close to the equator. Hard to get any warmer than the equator! We enjoyed our trips there, going back 3 times. I actually ‘re-proposed’  one year in Curacao (on one knee and everything), being able to afford a slightly larger diamond this time. Bam! Caught her off guard again. (see first paragraph above).

“You’re serious, aren’t you?”

Most recently we ventured down to St. Lucia, one of the British Virgin Islands. We stayed at a wonderful Sandals resort. The island actually had 3 Sandals resorts. We were able to spend time, eat and indulge in any one of them. Advertised as a ‘luxury included’ resort (yet still an all-inclusive – kind of a contradiction in terms), the resort was great. The food and restaurants were even greater! I actually tried caviar and escargot for the first time…at an all-inclusive (!).

We had a chance to do zip lining for the first time and even took a day trip on a sailboat to a live volcano and some Botanical Gardens in the heart of the tropical rainforest. On a funny note, if you haven’t ever been to an active volcano, think twice! The intense sulfur fumes emitted by the volcano actually makes it hard to get close enough to see the real thing. It took some courage and your Dad in the privy has nothing on a volcano!

Possibly the most thrilling part of the vacation however was the bus ride to the resort, on the other side of the island from the airport. The resort bus had to navigate around two tall mountains (the huge Pitons..really, that was their name ~ you’ll see) on a narrow road with hair pin turns and steep, steep drop offs. I wouldn’t go faster than 15 mph on some of these roads in my car, clutching the steering wheel the whole time. This old, air conditioned school bus, that can hardly make it up the one side, had us swaying and rocking and really looking forward to that first drink at the resort. We laughed about it as it was the only thing we could do. The lap of luxury!

Which brings me back to today’s blog. I was thinking about our Valentine’s Day trips this weekend. We can’t make one this year as we are squirrelling away our time and dollars for the big move later this year. So it left me with thoughts on Jamaica, Curacao, St. Lucia and Costa Rica.

Mom wants to visit Costa Rica later this year for our next trip. If any of you have been there you are welcome to offer any advice or tips.

But for those of you that are stuck in some place cold right now with snow piled up to the windows and would love to be some place warm, I offer a quick, fun picture video of our St. Lucia trip (especially if you are sitting in 6 feet of snow right now). Grab something tropical to drink, rub some suntan lotion on for that tropical smell,  click ‘play’, kick back, relax and come on along with us.

I hope you all have a happy and wonderful Valentine’s Day.

We’re going to try to stay warm this year!

How about you?

What are your favorite Valentine’s Day traditions or experiences?

Our 3D Workout Video will have you looking and feeling younger!

Have the post holiday blues got you round down?

Feeling guilty about all that sugar you’ve comsumed over the Holidays?

Envisioning the summer coming but too scared to try on that bathing suit?

3D Productions has the workout video for you!

This fun dance video has proven results to tone up flabby parts, burn the calories, and gain that youthful appearance. No dieting. No meal plan. We’ve developed and perfected this fun, simple 7 minute workout to slim and tone while having fun dancing to the classics. That’s just 7 minutes a day! You have time for that?

We start off this great workout video in the 3D Boot Camp with some stretching to loosen those tired muscles and get the blood flowing through your veins, raising you heartbeat, and starting the burn. Follow along as we all stretch to “Head, Shoulders, Knees and Toes”:

Now that we are feeling loose the dance party begins in at 3D. Hot Dog! Here we kick up the tempo a notch, burn some calories and have a lot of fun. This aerobic dance party literally turns into an all out, anything goes Rage, where anything goes and nobody can be too Goofy. Check out the rockin’ clubhouse, the “Mickey Mouse Club House”.

Next, with the sweat running and the caloriesmelting away we slip into the new dance craze, the 3D Zumba workout. In our 3:30 minute Zumba workout we tone and burn, Zumba style! You won’t even know you are excercising  when having so much fun dancing and shaking in 3D with fun lyrics like, “You put it in, you put it out, and you shake it all about”. You know will be dancing off the fat and toning those stubborn areas. Try to keep up in 3D’s “Hookie Pookie”:

And no workout would be complete, without a healthy and nutritious post work out shake. Order the 3D Workout Video right now and we will throw in our favorite favorite post work out drink that will have you feeling great, packed with protein, and low cal with no sugar added that gets proven results, Nesquik No Sugar Added Chocolate drink mix! No 6 pack is easier to acquire!


This post workout beverage gives you all the vitamins and protein you want in your workout drink  without any added sugar.

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Order 3D’s workout video with the FREE post workout Quik thrown in you we guarantee you will look youthful like this too; in only 7 minutes a day.

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The summer’s coming and you too can look great and feel younger in 3D!

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TOUR GUY's avatarOUR LIFE IN 3D

Have the post holiday blues got you round down?

Feeling guilty about all that sugar you’ve comsumed over the Holidays?

Envisioning the summer coming but too scared to try on that bathing suit?

3D Productions has the workout video for you!

This fun dance video has proven results to tone up flabby parts, burn the calories, and gain that youthful appearance. No dieting. No meal plan. We’ve developed and perfected this fun, simple 7 minute workout to slim and tone while having fun dancing to the classics. That’s just 7 minutes a day! You have time for that?

We start off this great workout video in the 3D Boot Camp with some stretching to loosen those tired muscles and get the blood flowing through your veins, raising you heartbeat, and starting the burn. Follow along as we all stretch to “Head, Shoulders, Knees and Toes”:

Now that we are feeling loose…

View original post 341 more words

Tight-Wad Tuesday’s ~ What a surprise!

I was trying to think of some cheery way to start off a personal financial post for this Tight-Wad Tuesdays but my cold put up a wall of accessing warm-n-fuzzy land.

But THEN I got a little gift in the (e)mail from an new,blogger that made my day, Gull at The Magfiqueway. Check out the surprise: http://themagfiqueway.wordpress.com/2013/02/05/reader-appreciation-award-i-feel-blessed/ . She ‘smiles’ through her writing, is very likeable, open to everyone and a bit of a fashionista. OK, a BIG fashionista! Drop by and say Hello.

I’ve enjoyed this blogging world from meeting many new and interesting people. I’ve said this before. But it really tickles me when I can connect with someone from around the world; someone from a far-eign land, maybe different culture, different life yet we can still find things to make each other smile. Too cool! The world is a smaller place now and filled with great, interesting people that one ought to know, like you; and Ms. Gull! Thanks WordPress.

So did you guess what the $219,000 stood for? I was afraid it was too ambiguous but then outta nowhere Kelly (One Fit Momma), up in Canada, nabbed it. I mean she defined the answer word for word. It turns out she spent some time in the financial industry too, illustrating again that there is way more to a book then just the cover. Great job Kelly!

So, yes $291,000 is what you and your spouse will need just to eat in your retirement. 2 people x 3 meals a day x 20 years x 365 days / year x $5.00 / meal. Just to eat? What about other things in your retirement like utilities, medical, along with the things you’ve earned the right to do like travel and spoil those cute grand kids? How much will that take over time? And at tomorrow’s costs?

So does this make you think a little bit? Do you have a plan? Are you ready to make a plan?

The good news is that younger readers have lots of time to prepare.  If you are close to my age, you better have a plan in place.

How do you want to live your golden years?

Have you ever thought about this? On a budget or a lifestyle that you worked hard to earn? And people are living longer every year!

The good news is I am here to offer some suggestions to help you get started. It’s what I do, er, did. You can thank me later. There are several, easy, almost painless ways to build wealth for your style of living. It is up to you to commit to them.

But wait!

People say, I’m scared; I don’t know anything about investing, I’m afraid I’ll make a mistake; I don’t know where to start, I don’t have any money to get started. I’m not that smart.

If you know that $10 in sales is better than $7 you are equipped to do this. If you can divide $1.56 into $43.80 you have the technical know how to make a fortune (Dividend Yield). I think, if you are smart enough to write a coherent blog and disciplined enough to do it on a regular basis you will be fine. If you know how to do a little research online and have confidence in yourself you can do great things!

MS-Nest Egg

Simple plans to build for a comfy retirement nest egg:

  • 401k’s: simply this is free money. If you have one at work, enroll and put at least the % of your wages that your employer will match. FREE MONEY. Make a good salary or live below your means? Put another % or two in.  Over time this can be your best ally for a jet set retirement. But, a 401K (free money), by itself, is not all the answer. $219,000? Travel? Grand kids? You’ll need more!

Here and here are a couple of posts that discuss how your 401K can perform like the Dream Team. If you have funds in a 401K you want them to perform like LeBron, not Randy Moss. If you  have 15 minutes you can have yourself an All-Star team in your 401K

  • Dividend Reinvestment Plans (DRiPS): Simple, slow, painless, investing on auto pilot, where you don’t need a lot of $$ to get started and dividends build up over time and snowball into a great sums of money along with a comfy quarterly dividend in retirement.

drip

DRIPS, I believe, are the easiest way to accumulate wealth. Again, the younger the better. We have several plans we are in now, so I am not just preaching. I have gone over them in detail in previous Tight Wad Tuesday posts here and here and ending up here. Any questions, I am here to help!

  • Regular contributions to an IRA at your bank or other financial institution. The key here is low cost investing and fees. If you have to pay more than 1.5% commission you are paying too much. DRIPS are far better at low cost investing.
  • Join an Investment Club: Invest with your friends! Google investment clubs in your area where people like yourself get together and learn about stocks and investing. Club’s often invest a little bit of money to get their feet wet but you can take those experiences, plus leverage everyone else’s research in the club, to make very qualified decisions on your own.Bivo-friends

You can invest a little bit of money with the club but put your new found knowledge to work for you at home. Investment clubs can be fun, you don’t necessarily need to be a nerd to join one. Don’t look at me! Simply joining others interested in being smart with their money and watching it grew a little (a lot). I ran an investment club in the 90’s with the likes of Air Force pilots, grad students and future Senators! We do look kinda nerdy, don’t we?

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Does any of this make sense? Would you like to learn more?

Investing doesn’t have to be complicated with pyramid schemes or selling futures. Simple investing strategies include ‘Follow the Leader(s) (i.e. Wal-Mart, Apple), Dogs of the Dow or Value investing, and Dividend Investing where your risk and returns are minimized by regular quarterly dividends. These are easy steps that make sense, easy to research and follow. And whether you prefer to do some research on line or with the help of an investment club these strategies can work for you. I have a few links in my TWT header to get you started.

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The catch? First you have to know what kind of investor you are?

Does investing make you lose sleep at night or do you feel confident in your good choices? What is your timetable before you need to access your savings? As you get older you typically move from an aggressive to somewhat conservative stance, not wishing to lose the empire that you built. Understanding what kind of risk you are willing to accept should be a place to start.

If you are interested, next Tuesday I will offer an Investor Risk survey used by Charles Schwab associates to map out what kind of investor you are. A  short few, simple questions will reveal what type of Warren Buffett you are deep down inside.

It’s your life. You are educated, have the initiative, and the good research skills to be good at this.

Don’t you deserve some $15.00 meals in your retirement, instead of $5.00 meals? Don’t you deserve to travel to see all those other great places and meet interesting people, like Gull and Kelly, from around the world when you finally have the time?

I think you deserve it. You just have to start somewhere / sometime.

turtlesneakers

Congratulations again Kelly and thanks to Gull for a wonderful Tuesday surprise!

TWT’s: Pop Quiz

A Blonde is watching the news with her husband when the newscaster says
‘Two Brazilian men die in a skydiving accident.’

The blonde starts crying to her husband, sobbing ‘That’s horrible!!! So
many men dying that way!’

Confused, he says, ‘Yes dear, it is sad, but they were skydiving, and
there is always that risk involved.’

After a few minutes, the blonde, still sobbing, says, ‘How many is a
Brazilian? It sounds like a really big number.’

I wanted to use that old Hooters joke to lead into this quick question. See, I was cleaning out some more closets this weekend and ran across this old forgotten number:

$219,000

I wanted to ask everybody if they know what this number represents but, I know without any context, that question would be lunacy. So let me give you a hint:

2 x 3  x 20 x 365  x 5

Their is a clue in there somewhere but to give you a bit more context let me tell you this is the number I used in the beginning of my Financial Advisor presentations when I met potential new clients. It represents a significant number in your financial future.

Phew! Practically giving it away there.

Now, anyone that can guess the meaning or the significance of that number I will do a guest post for. ~Sorry, we are squirreling our nuts for the big move so no big cash prizes.

I will field some answers tonight and tomorrow and give you my answer(s) on a Tight Wad Tuesday post on, er, Tuesday.

Go (insert team name)!!!

Good Luck!

Oh, and it involves your retirement…

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