Identity Protection, Monitoring and Restoration Eliminate Seniors’ Online Vulnerability and Stress

iTOK, a U.S.-based technology advisory company that helps seniors get the most from their Internet-connected devices, introduced iTOK Total Protection today. iTOK Total Protection is an all-encompassing identity protection service which includes anti-virus, data backup, firewall and identity monitoring, lost wallet assistance, and identity restoration. This service shields seniors from an ever-increasing number of online fraud scams, many of which view vulnerable seniors as the primary target, and removes the burden of frustration should their online or real-world identities be compromised.

“The freedom and lifestyle benefits available to seniors in our increasingly digital world grow richer every day,” said Seth Bailey, CEO and co-founder of iTOK. “iTOK Total Protection makes it easier and safer than ever to reach out for them. Arming our members—and all seniors—with the services they need to prevent and minimize identity fraud is our priority.”

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Achieve Financial Independence by Understanding Your Household Cash Flow

By Dr. Stanley Riggs

Building wealth and achieving financial independence is like losing weight or quitting smoking. It is simple, but not easy. The first requirement of building wealth is to know the difference between assets and liabilities.

Assets put money into your wallet, preferably each month. They will feed you even if you are not working. Examples of assets include income-generating real estate, dividend-paying stocks and interest-paying bonds. As an asset class, investment real estate has the advantage of providing rental income, appreciation and other tax advantages.

Liabilities take money out of your wallet, usually monthly. They will eat your income even if you are working. The most common liabilities are credit cards with outstanding balances, consumer loans, home equity lines of credit and home mortgages. That is correct, your home mortgage is actually a liability to you and an asset to the mortgage holder since it takes money out of your wallet and puts it into the banks pocket every 30 days. If you were to lose your job, this liability would be the one that would eat your savings the fastest.

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Crossing the Country: Planning, Gadgets, & Essential Stops

shutterstock_114034636Heading out on the open road? Being prepared for a cross-country trip will enhance your experience by allowing you to maximize your sight-seeing time. From planning your route and packing, here is a list of ways you can prepare for a cross-country road trip.

1. The Best of the Best

When planning to drive cross-country, it’s important to know what stops you want to make along the way. Consider some of our nation’s most popular stops:

  • For arguably some of the greatest food on the planet, make a stop in New Orleans. Not only does this historic city boast some of the most unique culture, it also plays host to some of the tastiest dishes too. Check out Commander’s Palace. This restaurant combines modernity with the creole flavors for which this city is famous.
  • If you’re interested in seeing our country’s most beautiful natural landscape, maybe Yellowstone National Park is a good stop for you. See Old Faithful, enjoy the amazing colors of Mammoth Hot Springs, or relax with a dip in the Boiling River. See buffalo, moose, and other wildlife as you explore everything Yellowstone has to offer.
  • If you’re looking for history you can’t get much more historic than Washington, D.C. Visit the Washington Monument, the Lincoln Memorial, and the White House. Visit the Smithsonian for one of the best museums in the country.

Do some research before hitting the road in order to decide which sites most interest you.

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Advice for Older Americans Looking for Employment

By Gabriel Bristol, president/CEO of Intelicare Direct

When a worker “of a certain age” find themselves on the outside looking in to the employment realm, it’s easy to be disheartened and concerned.

While you won’t find a middle or senior manager who will admit it openly for fear of legal repercussions but ageism against older Americans re-entering the workforce is real. 

Often leaders are afraid to offer seasoned applicants positions because of stereotypes. They fear they will be slow, cranky, out of touch or chronic complainers.

After a recent conversation with a friend experience these very difficulties, I found myself offering her these 3 tips to re-energize her job search.

Take time to reflect

Whether you were unexpectedly downsized from your last employer or realized a few months into retirement that it “just wasn’t for you,” your next position most likely really will be your last, so make it count and most importantly make sure it offers you a level of fulfillment.  If you spent your career as a systems analyst and hated the last several years chances are you will hate it once again, maybe even more vehemently.  Why not take the time to think about what truly excites you or sparks your interest?  If you love people but your former job as an accountant did not put you front and center with the public maybe this is the time to think about embarking on that career in sales, hospitality, or retail.

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Are You Really Ready to Change Your Health?

annemarieprofilepictureBy Anne Marie Ludovici

There’s more to changing than just waking up and saying, “Today’s the day.” Change is not simply like flipping on a light switch. It’s a meaningful process of transformative self-enrichment. Imagine a room filled with unlit candles — you light one and things begin to emerge. You start seeing things you never noticed before — around you and in you. You light more and more candles until you are bathed in a new, warm glow. You’ve more than illuminated yourself; you’ve illuminated your world. When you discover the art and science of how to successfully change, you will experience that illumination!

While it’s important to embrace your desire to change, the first step is to know just what “Stage of Change” you are in. Your current stage of change predicts the likelihood of success in our attempts to change more accurately than anything else about us or our situation. In other words, knowing where we stand on the path of change helps increase our awareness, and in turn help us discover the appropriate steps and solutions to take to progress to ensure success as begin and move forward on our journey.

There are six stages of change:

  • Pre-contemplation (“I’m not ready to change.)
  • Contemplation (I’m thinking about changing.)
  • Preparation (I’m getting ready to change.)
  • Action (I’m actively taking steps to change.)
  • Maintenance (I’m sustaining the change I’ve made)
  • Termination

Before discovering what stage you’re in, it’s first important to realize that change is very personal. We all have our own path, and progress through the stages of change is neither linear nor same pace for everyone. This does not mean that progress isn’t being made, but rather that different people face different challenges at different times that are sometimes outside their control. It’s possible to get briefly stuck at one stage or even regress to earlier ones. This is natural and should be expected. As women, we sometimes self-impose high expectations on ourselves; this sometimes leads to demoralization if we don’t meet, or exceed these expectations.  If we get stuck, have a setback, or don’t see progress in expected period of time, it’s important to be “self-kind” vs. “self-critical” to maintain our confidence, to continue to move on to long-term behavior change. And knowing in advance that slips, setbacks or relapse may occur empowers us to be prepared to overcome any fear or feeling of failure. Remember that in many circumstances, baby steps can be giant leaps, and so long as you never give up, you are making progress! [Read more…]

Pacific Coast Road Trip: What Not to Miss

shutterstock_217247461The Pacific Coast Highway starts in Olympia, Washington, and doesn’t end until L.A. With 1,700 miles between these two locations there’s a lot to see. Time is the most valuable commodity, especially when you’re on vacation, so how do you decide where to spend your time? Here is a list of some of the best stops along the West Coast.


While Washington State is commonly known for gloomy weather and rain, Long Beach in Washington is a beautiful beach. The stigma of rain and clouds in Washington keep this beach less populated than those in California. Dunes lead into a long, sandy beach that has crashing waves and swaths of beach grass. The nearby town includes an assortment of bars, restaurants and gift shops.

Further south, in Oregon, Cannon Beach stands as one of the nicest beaches on the West Coast. The large outcropping rocks that jut from the sand give this beach a lot of character and make sunsets something to remember. Enjoy long walks on the beach, body surfing on hot days, and horseback riding in the evening.

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A Healthful Guide to Planning for Medical Expenses

Linebaugh_9733By Jerry Linebaugh II

I’m an estate planning educator (not “estate planner”). I help plan lives, mostly focusing on finances in retirement. But my team and I use a holistic approach, looking at everything so clients can live how they want.

Undoubtedly, finances and health are inter-linked, especially as we age. And it takes a well-rounded, communicative planning team to succeed.

Too often we see people combine different planners’ advice. You wouldn’t do that with medical advice, so why do it with your finances?

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