West Palm or Bust

Top-down cruising in West Palm Beach

My wife and I purchased a condo in Palm Beach, FL in 2017. It started as a family vacation home but has quickly turned into our likely place for retirement.

While she hails from Virginia and I was born and raised in Maryland, we have lived and raised our family in the Syracuse, NY area for over 25 years. That equates to 25 mostly brutal winters. We have both had enough.

Yes, Florida is becoming passe as a retirement destination and the state has its fair share of challenges including oppressive summer heat and the occasional hurricane, but in the year and a half that we’ve been traveling there, we have fallen in love with the Palm Beach and West Palm Beach areas. And anytime you actually close on a property 1 day from hurricane landfall when everyone is evacuating and everything still turns out fine, you know that the strength of your dream is forged in fire.

Public art in downtown West Palm Beach, FL

One of the reasons we have fallen in love with the place is the ample public art and murals that bring the town alive and pop with visual stimulation. It forces you to stop in your tracks, gaze, and contemplate.

Angela blends her beauty with the beauty of urban art.

West Palm Beach and adjacent towns like Lake Worth offer a variety of urban art, murals and sculptures. Mix it with great restaurants, mild weather, gorgeous beaches, and a vibrant cultural scene and you have the makings of our version of a dream retirement destination.

Clematis Street – downtown West Palm Beach

Our most recent visit offered an opportunity for us to give the place an “empty nest” spin. With the eldest daughter out on her own and the youngest living on campus, we were able to give our future a dry run. It was an extended weekend of discovery. New places to dine, new beaches to visit and there is always art right around the corner.

Winter in the northeast can be such a life-less time of year, especially for a child of the south, and each subsequent winter drives me deeper into seasonal depression. South Florida’s mild temperatures, blooming vegetation, and swaying palm trees seem to be the perfect remedy for us.

Future Self

Photo by Lisa Mathews

Do me a favor. Close your eyes and think of your future self. Are your eyes closed? Good. Visualize yourself at 57, 62, 65 or even 70 years of age. What are you doing? Where are you living? Specifically, how do you spend your days? Walks on the beach? Enjoying hobbies? Are you living your best life? Are you retired or still working? Now think about whether or not you have the resources to live life comfortably.

A GoBankingRate.com survey on retirement savings revealed that 42% of survey respondents reported having less than $10,000 saved for retirement, including 13.7% who said they had $0 saved. If you count yourself among them, you have considerable ground to gain if you want to just take care of your basic needs in retirement. The changes that you make today can help you live more comfortably tomorrow.

In this episode of Life in HD podcast, I speak with Vicki R. Brackens, President and Financial Planner at Brackens Financial Solutions Network and registered representative of LPL Financial, member SIPC. Vicki helps us map out some strategies to reduce debt and start saving. We also tackle the common excuses people cite as reasons they can’t save. Take a listen. Your future self with thank you.

Target Audience: people who find themselves behind in saving for retirement.

Focus: establish what you’ll need – understanding the Social Security piece of the pie – reducing debt – eliminating excuses – vehicles that will help you grow your nest egg.

Music – “Pixels” by Drake Stafford under Creative Commons license.

More on Vicki Brackens

Part 2 – Change Your Diet, Save The World

Photo by Catherine Singleton

Americans consume, on average, over 222 pounds of meat per person per year. And that big juicy rib eye steak that we enjoy has an impact on our environment. From deforestation to polluted water to methane-producing livestock, the meat and dairy industry’s impact on the planet is massive and contributes roughly 60% of agriculture’s greenhouse gas emission.

Can adopting a vegan or vegetarian diet or reducing the amount of meat that we consume reduce our impact on the planet? To help me make sense of the connection between the demand and consumption of meat and the increase in greenhouse gasses, I am joined by Robert M Wilson, Associate Professor of Geography at Syracuse University’s Maxwell School of Citizenship and Public Affairs. Part one of this episode explored how reducing meat in our diets can produce better health outcomes for our bodies. This episode explores how the same can have better health outcomes for the planet. Thanks for listening.

Music in this episode is Ultraviolet by AA Aalto under creative commons license.

Change Your Diet, Save The World

By Unknown – This image was released by the National Cancer Institute, an agency part of the National Institutes of Health, with the ID 2413

Are you a resister? The kind of person that is resistant to change but you actually want to change that behavior? Well you are in the right place. This season of the Life in HD podcast is devoted to change both big and small.

This is part 1 of a 2 part series on reducing meat consumption for a healthier lifestyle and healthier planet. That’s right, by simply reducing the demand for red meat, you can improve your health outcomes and limit the environmental impact that the meat industry has on our planet.

If you’ve ever considered moving to a more plant-based diet, now would be a good time to make that change. To help us think through it, I chat with Ruth Sullivan a registered dietitian at Syracuse University. She helps us understand the health benefits of a plant-based diet and guides us on the best way to get started if it’s the change we want to make. Then I check in with Karen DeVose, a busy higher education professional on her recent decision to live a meat-less lifestyle. It’s an informative discussion. Just push play on the audio player and absorb the info.

Music in this episode is Ultraviolet by A.A. Aalto under creative commons attribution license.

The Magic of Letting Go

Change is not always easy. We live our lives conditioned to do the same things over and over because we are creatures of habit. Familiarity brings comfort. And yet change, if we are open to it, can bring about some very positive consequences.

This season of Life in HD is devoted to change. Getting out of our comfort zones, shedding old habits, and striving for growth. We start things off with a conversation with Courtney Carver, author of the book Soulful Simplicity: How Living With Less Can Lead to so Much More. She also publishes the blog Be More With Less where she writes about living a simple, clutter-free life.

This isn’t a conversation about freeing up counter space or organizing closets. Instead, it’s about getting your mind and soul ready to let go of all of the physical and emotional baggage. She has an amazing story to tell and I hope you’ll give this episode a listen. Hear her describe the 3 myths of ownership and tell us about the wake up call that inspired Courtney to change her life.

Music in this episode is “Wireless” by Lee Rosevere under creative commons attribution non-commercial license.

Feel free to share the changes that you are planning for your life in 2019. Perhaps it will inspire a future episode.

Women & Personal Finance

Do Too Many Women Still Rely on a Man for Their Financial Plan?

Do too many women still rely on a man as their financial plan?  Kathy Longo, certified financial planner and author of Flourish Financially says, yes.  According to a CNN Money article, a report from USB found that 56% of married women leave investment and long-term financial planning to their husbands and 85% of women who defer to their husbands feel that their spouses are more educated on financial matters.

As a financial planner, Kathy Longo has seen first hand how major life events like divorce, job loss, or death of a spouse can reveal major surprises for women who were not active in their household financial planning.  Many are shocked by crippling debt, sparse savings accounts, and bad credit.  Situations that can keep them from living their best life.

What can you do to be more informed and active in your financial planning?  We chat about it on this episode of Life in HD.  Give a listen and learn what you and your spouse can do to plan your future together.

To learn more about Kathy Longo, visit: Flourish Financially or Flourish Wealth Management.

Music in this episode:  Love Me Forever by Audiobinger under Attribution-Noncommercial Creative Commons license.

Like the Life in HD Facebook page at: @LifeHDPodcast

Sculpting a Better You

George Kilpatrick on the leg press machine

George Kilpatrick, host of Inspiration For the Nation on Power 620 AM in the Syracuse, NY market, faced a few health related issues a few years back.  He responded by taking control of his life, changing his lifestyle, and getting fit.

In episode 2 of our series on health and wellness, we explore practical ways to address your fitness deficiencies.  No experts and no fitness gurus.  Just to average guys who have struggled with weight chatting about the lifestyle changes they made to reach their fitness goals.  You are never too old and never too fat to get started.  Take a listen to this before inking your 2019 New Year’s resolution.

For more information on the program hosted by George, visit Inspiration For the Nation.

Music in this episode is by Nicholas Mackin – The Beginning or the End under creative commons license.

Letting Go of Painful Memories

Health & Wellness Series

Things happen in our lives that leave emotional scars that are difficult to let go of.  Past experiences that occupy our thoughts and keep us from living a fulfilled life.  As we continue the health & wellness series, Dr Susan Nicholas helps us understand what we are going through and how we can recondition the mind through introspection to let go of the painful past so that we can live in the present.

For more information on Dr Susan Nicholas visit her site here.

Music featured in this episode is:  “Sullen Faced” by Ketsa under creative commons license.

Fighting the Silent Killer

Over the next few episodes of Life in HD, we will focus on improved health for a better life.  There’s no question that declining health (physical, mental, financial) poses a threat to your quality of life.  And if we want to experience a rich life full of special moments and meaningful connections, we must make sure that we are physically, emotionally, and financially able to do so.

Nearly half of American Adults have hypertension..including me.  And most of us treat it with prescribed medications.  Those can often come with side effects that impact the quality of life.  In this episode, I speak with alternative medicine specialist Dr Steven Helschien, founder of Level 1 Diagnostics, a comprehensive testing program to detect and prevent cardiovascular disease.  He talks about the bad habits that lead to high blood pressure, the side effects associated with prescription meds, and alternative ways to address the issue.

Information on the “hand grip therapy” mentioned in this episode can be found at Zona.  (Mention of this product does not equal an endorsement).

Information on Level 1 Diagnostics can be found in the link in paragraph 2.

General information on heart health and hypertension can be found here.

Music in this episode is composed and performed by:  “Butterfly Peace” by Rod Hamilton & Tiffany Seal under Creative Commons License.

The Diaper Bank

Cayla Clark (left) Michela Hugo (2nd from left)

We take basic necessities like diapers for granted.  However,  what you and I consider a necessity millions of people in this country find to be a daily struggle.  About 15 million children in America live in families that fall below the federal poverty rate.  That’s 21% of all children.  Many of these families work but earn low wages or have unstable employment; leaving basic necessities like diapers difficult to come by.  And this can have a cascading affect on the health and well being of bother mother and child.

Young Violet helps her mom Cayla collect and distribute diapers.

I sat with two women to get educated on the issue and to find out what kind of work that the CNY Diaper Bank was doing to make an impact in our community.  In this episode of Life in HD you’ll meet Michela Hugo, founder of the local non-profit Diaper Bank, and Cayla Clark, volunteer and former board member.  Their work is inspiring.

For more information and to learn how you can help mother’s in need, visit the CNY Diaper Bank.

Music in this episode is courtesy of:

“Summer’s Grace” by Ketsa under Creative Commons License

Rise Above Poverty

There are roughly 1.3 million homeless school aged children in America.  And research has shown that children who experience homelessness face a wide range of challenges related to their health, emotional well-being, and safety.  In this episode of Life in HD, you’ll meet Reggie Kelley who is the founder and director for the charitable organization Rise Above Poverty.  Reggie’s organization collects basic necessities for homeless school kids to help them worry less about their physical condition and appearance and concentrate more on learning.  This is his story. To learn more about homeless school children in America, see this PBS article. Music featured in this episode is provided by:
  1. Nicholas Mackin – The Beginning or the End – under Creative Commons License
  2. Yan Terrien – My Algo2  – under Creative Commons License – no changes were made to the song.

Mindfulness

Mindfulness is the psychological process of bringing one’s attention to experiences occurring in the present.  To be fully present and aware of one’s self is actualized living.  That’s according to Kirk Abner, author of the book Flower Dog Man.  In this episode of Life in HD, I chat with Kirk about how living an actualized existence saved him from a life of depression and meaningless pursuits.  I’ll also share 5 simple tips to help you cultivate more focused behavior on your journey to be fully present and aware of what’s happening in the moment.

Notes

Music featured in this episode – Warm Morning by Ketsa under Creative Commons License

Flower Dog Man by Kirk Abner

More information on Mindfulness can be found HERE.

Tips for practicing mindfulness mentioned in the episode can be found HERE.

Making Peace with Anger

Holidays can be a joyous time of year filled with cheerful music, wonderful food, gift-giving, and family. 

It’s the family part of the equation that can sometimes be risky.  You can get over receiving an ugly tie as a gift…but a heated argument with Aunt Sadie might not be so easy.

Family gatherings CAN be a wonderful part of holiday traditions but they can also be heated, uncomfortable and filled with tension.  What if…you’re the problem?

Can YOU make peace with your own anger for a more harmonious Christmas?  The answer is…yes.  We chatted with a man who did exactly that. Meet Tom Corner, author of the book Borrowed Eyes and Feet: Finding Enlightenment After Rage. Tom carried anger with him for a while and that anger manifested itself in very self-destructive ways.  That is until he had a break through. Listen to find out how Tom broke through the anger, made peace with himself, and contributed to more harmonious family gatherings.

To learn more about Tom, his book, and his motivational speaking…visit Tom Corner.net. (We’ll have a link to his sit in the show notes at joeblee.com) Music that you’re listening to is Ride Out by Audiobinger under creative commons non-commercial use license