Wednesday, February 22, 2012

Podcast Series Launched Soon


I have completed an outline for a Podcast Series I am currently preparing. The first in the series will be available in March 2012 and then at a rate of 2 per month if all goes well.

The research I have been doing is producing some important insights about key issues for those who wish to live a Provident/Production Lifestyle.  Here's a quick taste of the principles:

1) How to get Out of Debt and Stay there forever

2) How to Get Mortgage Free Sooner than you thought possible

3) How to Safely Inflation-Proof your Nest Egg for the Future

4) How to Build a Phenomenal Nest-Egg is only 5 Years

5) How to Build a Stay-at-Home Online Business that Provides Fantastic Residual Income

6) How to Engage a Production Lifestyle without costing you an Arm & Leg

7) Energy Independence without Overwhelming Costs and Maintenance Nightmares

Only those who are part of this private and secure email group will get access to these Podcasts.  Facebook is just to public and not sufficiently secure.  If you would benefit from this series, you can go to my Blog at http://saferetirementfreedom.blogspot.com/ and sign up for my private and secure email group.

This series will work well for BabyBoomers but the younger generation should be thinking about these things now as well.   

 Become a part of this growing group of likeminded people now.

Ralph VanOrden---Retirement Freedom Blog

Sunday, February 19, 2012

Best Thing we can do to Help Ourselves Toward a Successful Retirement


Click on the link below for a great article about how to protect yourself in the Investment Market. I am covinced it is an important part of any retirement strategy to have a good Investment portfolio. It’s not the whole picture but could be part of a successful early retirement. We have a professional investment counselor who manages our savings since I tend toward being too aggressive with my risk management. 

http://www.marketwatch.com/story/how-to-create-financial-security-in-retirement-2011-09-01

If you want to receive more updates on these kinds of retirement preparations, sign in to my exclusive email group to the left of this post.  It is more secure if I use the email group for the details. I hope you will choose to join us.

Thursday, February 16, 2012

Update---A Great Way to Supplement Income and Stay at Home


There are several ways to improve “income” during retirement.  You can lower expenses or get a “job” and make some more money.  Most BabyBoomers are very innovative when it comes to these options.  Though some are happy to do some non-stress entry level position, one of the things many wish to avoid is being tied down to a regular 9-5pm job that takes up all their time to enjoy retirement.

I am currently sending resumes to educational institutions in the Boise area to see what might be available in my field of expertise.  If hired, it appears I could make almost as much as I currently do with cost-of-living adjustments after 33 years with the same educational organization.  However, I still have the haunting worry that I may not like being tied down the same as in the past.  Jeannie would go traveling to visit our family without me, yike!  Not what I envisioned. 

So I have been learning about the world of owning your own business with the intent of being able to control my time commitments.  For some time I have enjoyed helping people as a weight-loss coach.  It is an awesome way to help others and make a few extra dollars.  But the big money in this kind of career is in Multi-Level Marketing, which has never appealed to me.  I am helping a few friends with weight-loss and backing away from the business gradually.  It is a very useful enterprise for those who enjoy MLM.

I am fortunate to have access to Internet Business Mastery tutorials since my son owns that business.  His Online Business has helps 1000’s of people by helping them learn the intricacies of doing business online.  Many have successfully left their corporate positions to run their own enterprise. The real long-term success of online business takes two things; 1) a good self made product, and 2) understanding how to navigate the online world.  Thus far the BabyBoomer generation is still busy finishing up traditional careers.  BabyBoomers haven’t been the meat and potatoes of my sons business.  They are just now getting to where they trust online commerce. 

So I propose to my son that I learn the ropes of Online Business and reach out to help the BabyBoomers who wish to explore the world of owning their own online business based on their own product.  He liked the idea and is coaching me along the way.  It is slower than most who embrace the cyber-world, since it doesn’t come as second nature for BabyBoomers like the current younger generation.  But I have to say it is fun and challenging, exactly what I need to keep my interest and loyalty. 

My Blog is approaching 7000 page views.  My website has been abysmal, but is going through a redesign and rebirth. My Facebook account has over 2600 friends.  If I never do monetize my online persona, I am still able to enjoy being an “opinion” leader or perhaps some would say opinunated.  I get a lot of diverse response to my posts.  It is a engaging medium.  I have decided to focus my attention on two projects. 

1)      Finishing my weight-loss eBook.  I hope it helps some to find the assistance they need to lose weight and regain their health.     

2)      Developing an online course to help BabyBoomers who wish to have a simplified approach to learning how to embrace the internet as opinion'ated' leaders and/or monetized business owners.  It will include all the details of how to safely and consistently build an online business. 

I am going to be moving most of the instruction away from Facebook to my email group in order to provide better security.  If you are interested in coming along on this journey and learning more about online business, please join my email group by signing in at the box to the left of this post.  I look forward to any interaction you are willing to give so I can tailor my course to be as helpful as possible. 

Wednesday, February 8, 2012

Back to my Blog---With Big News---atleast for us, its BIG

I have taken a break from writing for my Freedom Blog.  After over 6000 page views I hit a wall due to our cold dark winter, but a much needed vacation to sun-country helped me recover.  I am back to exercising and eating right so things are looking up.  It never fails to amaze me how eating right can improve outlook.  It is as though our food is our medicine.  Oh well, I digress.

My wife Jeannie left a week ago to go help with the arrival of our 6th grandchild to our oldest son Jason and his wife Melanie.  All has gone very well and bonding is in full swing in Portland Oregon.  I am jealous of Jeannie getting to be there but happy for her too.  Little baby CeCe VO is oh so cute and very calm.  Yay for calm babies.

So here is the next biggest news in our lives.  After 33+ years of teaching for the LDS Church Educational System I am going to retire as of July 31st 2012.  I am going to live what I preach and retire before I get too old to enjoy it.

We will be selling our home and moving to Boise Idaho to accomplish several of my pillars of retirement freedom.  1) Lower our cost of living dramatically.  2) Improve our health care options.  3)  Get closer to family and grandchildren.  Ever since Jeannie suffered through cancer in 2007 I have wished to move her closer to grandchildren, now that will be checked off my bucket list.  4) Getting a home without a mortgage will happen much quicker in Boise area where real estate has taken a huge loss in recent years.  We can buy a nice retirement home on acreage in Boise for about 60% of what it would cost in Alaska. 5) Property taxes are much lower in Idaho.  Boise will put us within a few miles of family and a 6 hour drive of others of our children and also my aging mother who will be 87 this May. 6) Improved access to sunny days seems to be getting more important as I get old. 

Some of you know that I had toyed with running for Alaska State political office in the newly aligned District 26. I have determined there are good candidates already running so I decided to pass on that ambitious goal.  The Eagle River District will be well cared for.

We have spent 19 years of my career in Alaska.  It has been so good to live in a wild and beautiful place.  Our friends have been superb.  Our opportunities to serve have been exciting and challenging.  I was stretched beyond what I thought I had to give.  Alaska has been very good to the VanOrdens.  We will soak every last bit of good out of our opportunity to enjoy 6 more months in this beautiful place. We will enjoy one more trip down the Alaska Highway, but this time in our comfortable motorhome rather than the $300 VW Bus we drove up the highway in 1976.  All together we will have a total of seven trips over the Alcan during our time as Alaskans. 

I can see that my online communications will become even more important to me as we relocate.  I hope to be able to stay in touch with each of you as you see fit. Thank you for your good influence on our lives. 

Saturday, January 14, 2012

Walking in Winter---How to Beat Cabin Fever



I am so grateful for a recent reminder from a friend of the magical qualities exercise brings into our lives. Especially during these long dark months, exercise wakes up our body and mind by bringing invigoration and enthusiasm. Lately I've been getting up early and rather than moving slowly through my morning routine, I decided I would fight the couch potato approach to winter existence and get outside for a brisk walk. Just 20 minutes.



The first day, I had to bundle up since the temp was a chilly +8 degrees F. At least it had warmed up from the -14 from when I went to bed last night. I put on long-johns, jeans, two pairs of thick socks, turtle neck, sweat shirt, jacket, hat with ear muffs, and mittens, as well as hiking boots. Out into the dark morning I went. It’s so pretty on a cold winter morning when not much is stirring, “not even a” moose; couldn’t resist that play on words.



The only noise was when someone startled me by starting their car with a remote from the warmth inside their home. I only walked for about a mile and just about 20 minutes. Cheeks were starting to burn from the cold…since then I have used a scarf. But the magic worked. I walked into our warm home with a sparkle in my step. I could feel the enthusiasm that comes from a good start to the day as I contemplated my list of activities ahead.





So I have settled into a routine of walking early and then later in the afternoon for 30 more minutes. And thus I get my 10,000 steps per day. Besides my reduced calories 6 glycemic-balanced meals per day, the weight keeps coming off. Slowly and surely I am moving toward my 80 pound weight loss goal.



I remembered the question my doctor always asks me during the winter visits to his office; “Are you exercising at least 5 days a week”? The best solutions for winter-blues have to be exercise and eating right. I am convinced!

Wednesday, January 11, 2012

A NEW YEAR: So many mountains climbed, So many more to go---by Jeannie Snow VanOrden



One of my earliest memories is of hiking on Cadillac Mountain in Maine which for roughly five months each year is the first place in the United States to view the sunset.   My family was living in Granby, Massachusetts and took the opportunity to visit places of interest around New England.  I was a fidgety four-year-old with a short attention span.  Likely my energy started out strong and waned quickly as the hike dragged on. 

My clever parents came up with a way to engage me and keep me moving.  They made me the leader.  I was given the job of spotting rock cairns that marked the trail. This focused my skittish energy with something important to do.  I became useful to my family’s expedition, as useful as a four-year-old can be. In my memory I see myself leading the way up the mountain, reaching the top, and with a flourish pointing to a rock cairn marking the summit.  We were probably just traipsing through the forest gathering fire wood.

From that small expedition to the present, rock cairns have been meaningful to me: markers that give a sense of direction, a sense of perspective, a way to mark progress toward a goal.  We may not have hiked to the top of Cadillac Mountain that day but from my four-year-old point-of-view, whatever our destination; it might as well have been Everest. 

Everest:  a metaphor for the ultimate personal challenge, obsession, and achievement.  A cliché too often used considering the awful price people pay in pain and treasure for the Everest experience.   A year ago I read "Into Thin Air" by Jon Krakauer about his tragic experience on Everest.  He reached the summit but found he was caught up in one of the worst Everest disasters on record.  Five of his climbing companions, including two experienced guides, died in a freak storm. 

Everything on Everest is freakish and unpredictable. In the death zone even the most seasoned mountaineers crumble suddenly and fatally. Climbers are at the limits of human endurance and there is little energy, time, or resources left to come to the aid of faltering companions.  

I am just finishing Michael Kodas’ book “High Crimes” about corruption, greed, and criminal behavior in the rush to cash in on the Everest experience.  It is shocking what humans are willing to do to summit Everest and then peddle that experience to fame and fortune.   My reading sparked an Everest movie night at home.  We watched a video about the first blind climber to summit Everest.  Erik Weihenmayer’s achievements which include climbing the “Seven Summits” got me thinking about my own resolutions and hopes for what I would like to achieve in 2012.

Like many of the difficult challenges in my life, a number of my 2011 experiences were not of my own choosing.  The way I see it our most character revealing and defining experiences come not from events we plan for and choose to bring into our lives, but the ones that are thrust upon us.  Suddenly, no matter what else we were planning; we are required to summon enough grit, and gumption, and positive attitude to face and overcome opportunities we would rather not.  It is one thing to scrape together $65,000 and a good guide to fulfill a long-held aspiration to get to the top of Everest. 

It is quite another to find out that you must fight cancer, or suffer alongside a child who is critically ill, or endure the sudden death of a loved one and not let it destroy you.  Actually, these kinds of experiences will destroy you.  The secret is not to just survive but be born again from the ashes to a new life.  Crushing challenges demand that we humbly accept that we are being formed by forces beyond our control and not be bitter about it.

This year I’ve chosen Denali as my symbol.  It is the mountain of my adopted home, Alaska.  It looms large in the Alaskan mind and heart and can be seen on a clear day from Anchorage to Fairbanks.  I will never climb Denali and that doesn’t bother me an ounce.  I realize that the idea of conquering Denali’s slopes is sufficient. Denali symbolizes the confidence that I can do hard things, I will do hard things, and I will in the process, become a better person.

 For some of us the smallest steps forward can be extraordinarily difficult.  But as long as we insist on pressing forward to a better version of ourselves and never stop that forward motion, we have conquered the mountain. Every person's life journey can be a sacred journey to sacred knowledge and sacred space.

My goals are simple this year: 

1. Take good care of my body.  I need all the energy I can muster to do all the wonderful things that are ahead for me. Being a cancer survivor gives me additional impetus because I have already beaten the odds and should gratefully nurture the precious gift of extra years that I have been given.  I will gently take care of my health.

2. Yoga.  I discovered that yoga is as much about my peace of mind as it is about having a healthy body.  I am a person that moves fast and crams every day with more than I should.  Yoga slows me down and helps me to clear my mind. It works hand in hand with meditation and prayer.

3. Write every day. The need to write is like a spring coiling up inside of me tighter and tighter. The tension must be sprung regularly or I start turning blue.  2011 was a sparse year for writing.  Blue is not a good color on me.  2012 will be a year of disciplined effort in the writing realm. 

4.  Take lots of pictures and learn how to you use my fabulous new Canon 60D DSLR camera.  Photography snuck up on me. Before the advent of digital photography, I never supposed that I would come to enjoy it so much.  It is too close to the physics department and I have little confidence when it comes to math and physics. However, I discovered that I do have a talent, small as it may be, for creating a nice photograph now and then.

I’ve climbed Cadillac Mountain (at least in my imagination),  a mountain in Lambs Canyon above Salt Lake City, Timpanogas peak in the Wasatch Mountains,  Rendezvous Peak and Wolverine Peak in the Chugach mountains above Anchorage, Alaska.   But these were all just cairns along the trail of my life, not the actual summits that allowed me larger views of where I’ve been, what I am, and what I want to be. The summits and the views they give are brief.  It is the climb that matters.  So I will climb.

Friday, January 6, 2012

BE STILL: Yoga and My Obscure Malady---by Jeannie Snow VanOrden


I did my Yoga routine this morning.  This is one of my goals for 2012: incorporate calming, deep breathing, stretching yoga into my daily life.  I have recorded about eight routines on the DVR.  This particular Yoga series is very mild and relaxing and I have found that it significantly improves my health.  I could have used its healing power a long time ago. 



When I was eleven my mother and father sat me down and said,   “Which would you rather do, take dance or take piano lessons?”  My older sisters both took piano lessons and were accomplished singers and musicians.   It was discovered that my younger sister could benefit from dance lessons as physical therapy for a problem with short tendons in her legs.  My mother found a dance teacher who gave lessons in her home.   So there I was with the option of one or the other.   I chose dance.



I very much wish that I could play piano but if I could only do one, dance was by far the best choice for me.   I was a middle child sandwiched between two talented older sisters, an adorable younger sister whose needs required extra attention, and a long awaited baby brother.  It seems silly now but I was plagued by feelings of being awkward and unlovely and dance was great therapy.  



My teacher was a blonde statuesque beauty by the name of Jean Enright.   Her garage was fitted with mirrors and a ballet barre.  I was one of her older students.   I took lessons from her for about five years.  My last performance at one of her recitals was when I was sixteen.  Because of those lessons I was in Choreodancers at Rolling Hills High School, I danced in high school dance concerts and musicals, I danced in church plays and talent shows,   and I danced for a short time at Brigham Young University in Ballet Theater and Modern Dance Club.  



My mother encouraged me to get a degree in dance and do as my teacher had done, teach dance.  My mother was probably right but I resisted.  I think I resisted because although dance was a joy, it was also a heartache.  It was very hard for me.  All dancers must work hard and be disciplined but I felt like I was fighting my body’s basic nature.  I am not naturally limber or flexible.  I struggled to be confident on stage.  Although I am slender, I don’t have the curveless figure of the ideal ballet dancer, and I felt like I was too tall.  Knowing what I know now about the varieties of dance styles and opportunities, I realize I was too self-conscious and too pessimistic.  In spite of that, dance was a great blessing in my life.  I acquired poise and grace and confidence that my awkward young self very much needed.   I love to dance.  I had wonderful experiences performing and making friends through dance.   



After I had my second child, while I was at the doctor being treated for strep throat, I learned something about my body that shed more light on why dance was hard for me.  I have an obscure malady with the weird name, “Essential Tremors.”   I realized that the trembling in my legs and arms was not just because of exertion during a difficult work out.  I learned that being still and steady on stage wasn’t just because I had stage fright. I love performing.  I am not afraid of performing.  I am afraid of the unexpected trembling of my body that I cannot control.  I sing and that same malady had consequences during vocal performance.  I once toyed with becoming a nurse, but tremors in my hands made me give up that as a possibility because I could not imagine being able to give shots and place IV needles in patients with my trembling hands.



The worst part is that people often express concern that I am anxious or nervous because they notice the trembling.  Truthfully, I am at times anxious and nervous, and I am sometimes a bit frenetic. I think I’m a productivity junkie.  I bustle around at high speed getting as much done as possible. Which isn’t actually, all that productive sometimes.   All this does not help calm my essential tremors.  

These days I take beta-blockers to control my tremors.  Beta blockers are also useful for performance anxiety and shakiness.  Yoga with its stretching, deep breathing, Zen quality is probably the best thing I am doing to get my tremors under control.



To get the most out of my Yoga sessions both physically and mentally, I must slow down, still my mind, and create a zone of existence where nothing matters but the present  NOW:  t he body breathing in health, light, and peace;   breathing out stress and discomfiture of all kinds.  It was very hard at first. Hard like dance was hard.  I’m not limber.  Some poses are difficult.  But it gets easier every day.  My muscles are more limber every day.  I feel more youthful and more productive as I take this time to slow down. 



Aches and pains and stress are eased in that timeless space where I am at peace with myself and my maker and the challenges he as blessed me with.  Be still and breathe.



“Be still and know that I am God.”   Psalms 46:10

Thursday, January 5, 2012

Let Freedom Ring---Losing Sight of Fundamental Founding Principles

Outside of Constitutional issues---the problem with today's Obama appointment is the regulator will slow the process of our economic recovery by slowing the flow of dollars to the credit market. When you regulate business you hurt free enterprise and investment slows, resulting in fewer jobs being created.  We don’t need more of that from the Executive Office of the US.  When Government messes with business, they do damage.  We don’t need an overpowering executive trying to play momma to the whole country. A community organizer can’t do that for 320,000,000 people.  The people of the US are smarter than that and can take care of themselves.  This is simply another money grab by Obama.  Take the hybrid Volt for instance.  Each one of those has cost US tax payers over $400,000 thus far.  It’s obvious the government shouldn’t own the car manufacturing companies.  What we need is for Obama and big government to get off our backs and stop the socialistic money-mongering. Let freedom ring.    

Wednesday, January 4, 2012

Prepare for the Future

Trustworthy financial advice and education are essential for early retirement---click the link below for one good source of education---but, not sufficient to replace personal financial advice. Click on the title above to access a trustworthy website----12 Tips To Build Wealth For Retirement.

Join our email group with no obligation by signing in to the right and receive a free copy of the Podcast "7 Pillars of Retirement Freedom". 

http://financialmentor.com/free-articles/retirement-planning/early-retirement-planning/12-tips-to-build-wealth-for-early-retirement

Monday, January 2, 2012

How Will We Weave our Tapestry in 2012?


Yesterday I spoke to our Church congregation of perhaps 250 people about opportunities and challenges as we enter the New Year.  As I prepared my sermon, I was tempted to do the normal by suggesting behaviors that should define our discipleship as Christians.  But in my mind’s eye I kept seeing the young mother’s in the congregation struggling with their young families trying to be attentive as they took mental notes of all the things they needed to do better. 

At that point I had a major stupor of thought and my approach shifted gears.  Don’t get me wrong, the behaviors I would have been pontificating weren’t the problem. They are all decent things.

The problem was seeking to change behavior when someone is already living a stellar life helping young children grow-up in a loving atmosphere.  What more should be “required” of these young moms, and for that matter, dads.  Raising a family is certainly one of the most satisfying pursuits in life.  I didn’t want to do anything to derail such a sacred and happy process. So I deepened by contemplation and sought a better way to encourage and uplift.  Surely going to hear sermons on January 1st should be an uplifting experience.

So I focused my thoughts on what to me is one of the best sources of motivation and strength to do “good” with our lives.  Relying on the power of the Grace of Christ to help us access and maintain a life of positive loving outreach. 

Where does the power to do good come from?   Atheists and theologians will debate this notion forever.  Is it a spiritual gift or do humans have the ability to embrace an ethical moral mindset?  You may be surprised that I think it’s a combination of influences.  I think nature, nurture, and God all play a role in this most dynamic endeavor.

So here is what I hope I shared during my sermon:

1)      How to access the power of the Grace of Christ to help us improve our discipleship.  It is a spiritual gift for those who seek it. 

2)      Seek to Come unto Christ by following his example of love, kindness, gentleness, acceptance, and service. 

3)      Teach doctrine rather than programs and procedures.  Teach correct principles rather than a list of specific behaviors.  We honor the freedom of the soul by respecting ability to know what to do to help ourselves and others.   

4)      Perfectionism is like the fanatic who lost his way and redoubled his pace down the wrong path.  Keep it simple, serve others, and it’s OK to take good care of yourself. Spend some time sharpening your own saw.

Every New Year in some ways we are like a blank canvas ready for the weaver’s magic touch.  Whom we allow to work on our tapestry is up to us.  Choosing wisely is helped by practice and experience.  The notion of acceptance of and reliance on an all wise spiritual connection is almost universal---no matter what our concept of God is.  So how will we weave our tapestry in 2012?  I have full confidence that it will be absolutely beautiful 363 days from now.