One Date You MUST Plan With Your Husband

Couples that don’t talk about money issues, from paying bills to planning retirement, just might wind up doing their talking in divorce court, with a lot less money to their names than they’d like!

Forty-four percent  of couples believe money is the biggest cause of divorce, and 56 percent believe spending is the biggest financial topic leading to divorce. Yet, 29 percent  of couples have less than  $25,000 saved for retirement, according to a revealing survey conducted by Edelman Financial Services (EFS).

“We don’t have a spending problem, we have a saving problem,” says David Bach, Vice Chairman of EFS and author of the #1 National bestselling book, Smart Couples Finish Rich.  

One of the best ways to save our relationships, and grow our savings, is to plan monthly “Money Dates,”  to go through bills, account balances and make progress towards creating a retirement plan, David advises. In fact, a survey conducted by EFS found that Couples who set these monthly engagements, are three times more likely to have up to $500,000 saved for retirement than couples who did not have the monthly “money dates.”


David wants to be part of your first “Money Date” and  has created a powerful 90-minute session to help share the lessons and secrets of happy couples who’ve successfully planned their retirements together.


David will help you and your partner to navigate the critical aspects of retirement planning, including:

  • How to plan for retirement together to avoid running out of money
  • The 5 key financial decisions every couple needs to make
  • The new retirement strategies for asset allocation and IRA withdrawals
  • How you can both maximize your Social Security benefits
  • And much, much more…

shutterstock_148465679Seminars are April 29 in LA; May 6 in Chicago; May 12 in Detroit, and May 14 in Boston.

Registration, normally $25 per couple, is FREE for FOF readers. Sign up now and enter code FO50BLOG at check to redeem this special offer!

to go on your first Money Date. It’ll save you a lot more than money.SmartW-David1

David Bach is Vice Chairman of Edelman Financial Services LLC, a Registered Investment Advisor. He is an Investment Advisor Representative who offers advisory services through EFS and a Registered Representative of (and offers securities through) Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC.

Advisory Services offered through Edelman Financial Services LLC. Securities offered through Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC.

This post is sponsored by Edelman Financial Services. Thank you for supporting FabOverFifty!

Discover The Ultimate Shopping Solution. Really!

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If you’ve never heard of the website, joyus.com, I recommend that you click your way on over there, pronto!

Joyus.com stands out in an e-commerce world of sameness and mediocrity because it uses short, informative videos to show and tell about each product it sells, all selected by stylists, makeup artists, nutritionists, and other experts, who really do know the best from the busts!

I’ve found scores of cool and clever, unusual and uber-useful products that let us effortlessly solve everyday problems. Here are 5 of my favorites.

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Stop endlessly rummaging through messy drawers jam packed with unfolded T-shirts, and get your hands on the ingenious Miracle Fold. It folds your Ts (sweatshirts, sweaters, camisoles, even towels) neat as pins, in seconds, so you can line them up and see every single one when you open the drawer.

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Give the souls of your feet some TLC, just in time for sandal and beach weather. The Footmate grips the shower floor with suction cups, and lets you rub your tootsies back and forth over its bristles to clean, exfoliate, soften and stimulate circulation for a little massage action.

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Firm, smooth and lift your neck skin in less than 30 minutes a week, with this easy-to-apply Glamtox mask from Rodial. Imparting essential amino acids, wheat protein, decapeptides and hyaluronic acid, the mask plumps, moisturizes and increases the cell metabolism so you can hold your head up high.

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Birkenstocks never looked so cool and you’ll never feel as comfy as when you slip on these thong sandals. Featuring great arch support, a roomy toe box and deep heel cups,  they’ll form to your feet and keep you stepping lively. The super fashionable Oscar winner, Julianne Moore, wears them. So should you.

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Everything is unique about Lipstiks, from their rectangular shape to their ability to stay on and stay moist, without caking or smearing. Better yet, their straight lines let them double as fab lip liners, saving you time and money. A carefully selected trio of colors flatters every skin tone, for every occasion.

15 Foolproof Tips for Taking Your First Excursion Alone with Your Grandchild

Every new grandmother dreams of the day she’ll be able to take her grandchild on an outing, a short vacation, or simply home for an overnight stay. But no matter what excursion you take with your grandchild, it’s crucial to make sure the timing–and circumstances– are absolutely right, so the stage will be set for enjoying each other’s company for years.

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Let’s start with an outing that can take anywhere from a couple of hours, such as a spring picnic in the local park, to a full day at a water park a couple of hours away.

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1. Make certain your grandchild is secure enough to be away from his parents or full-time caregiver and old enough to explain what’s wrong if she’s having a problem, such as not feeling well.

2. Invite a friend of of your grandchild to come along, if having company will help him enjoy the outing even more.

3. Choose an activity that will make your grandchild feel confident and relaxed, not challenged and uneasy. A petting zoo, for example, might be a perfect spot for an outgoing three-year-old, but could frighten an unusually timid five year old. A curious seven year old might love a trip to a science museum, but a child who has difficulty grasping abstract concepts might not.

4. Bring along food and snacks that your grandchild enjoys.

5. Remember to pack a change of clothing, in case your grandchild has an accident, from spilling ice cream on his shirt to not making it to the bathroom in time.

You can’t wait to tuck your granddaughter into bed in your guest bedroom, and serve her fave, French toast with syrup, in the morning. Before you head for your home, consider what you’ll need to ensure she has a great night’s sleep and a happy-go-lucky morning. If this is your grandchild’s first night away from home without her parents, you’ll certainly want to avoid a case of homesickness.

1. Make sure her bed isn’t too big or too small, in relation to where she sleeps at home. If a five year old normally sleeps in a single bed, she could feel overwhelmed in a queen. Expect your unusually tall and athletic nine-year-old grandson to sleep on a skimpy foldaway cot, and he might wake up with neck and backaches.

2. Bring along a few familiar, comforting objects, such as stuffed animals, books, a blanket, even a favorite drinking glass, to make your grandchild feel more “at home.’

3. Always keep a selection of your grandchild’s clothes in the closet in the room where she’ll be sleeping. They will make her feel like she “belongs.”

4. Keep a duplicate selection of your grandchild’s favorite toys at your home, rather than schlepping them back and forth every time she comes for a sleepover. Check out this guide on gifts for the grandkids for additional suggestions on things they’d enjoy.

5. Never fail to keep the refrigerator and cupboard stocked with your grandchild’s favorite drinks and snacks (healthy, of course!)

Taking your grandchild on his first vacation alone with you may fill you with excitement, but it also involves the most planning and psychology.

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1. Absolutely make sure to involve your grandchild (and his folks) in the planning, as much as possible. You may think a weekend beach vacation is the perfect choice, but that may fill your daughter-in-law with apprehension. You adore the idea of visiting a dude ranch, but is your grandchild really ready to confidently ride a horse? You personally want to keep as far away from Disney World as possible, but it’s been your grandson’s dream vacation for years.

2. Check out the emergency medical care before you confirm the reservations. You’ll want to have easy access to top-notch doctors in case something serious goes wrong. Also keep the phone numbers of your grandchild’s pediatrician (and other docs) in your phone.

3. Try to keep your first multi-day trip a reasonable distance from your grandchild’s home. It can be pretty scary, even for an eight year old, to take a long plane ride, away from home and his parents, if he’s never done it before.

4. Try to limit your inaugural trip to four nights max. Even the most confident child might
start to feel antsy and anxious about getting home to her parents by the fifth day, no matter how much fun she’s having.

5. Avoid going on multi-day trips with your grandchild until you’ve taken a few one-day excursions with him.

Couples That Plan Their Retirement Together, Retire Happily Ever After

Sally and Bob are a hard-working couple approaching 60. Sally is a hospice nurse and Bob is a high school principal.

Married 29 years, they’ve always planned everything together, from family vacations to financing their two kids’ college educations. But now that they’re separately starting to think about their financial futures, each is reluctant to bring up this really important subject that will affect the rest of their lives.

If Sally and Bob sound like you and
your partner, keep reading.

We’re pleased to tell you that we’ve learned about an extremely worthwhile event, called “Smart Couples Finish Rich: The Retirement Seminar,” for couples just like Sally and Bob. Presented by David Bach, Vice Chairman of Edelman Financial Services, and author of the #1 National bestselling book, Smart Couples Finish Rich, the 90-minute session has been created to help share the lessons and secrets of happy couples who’ve successfully planned their retirements together.

David will help couples navigate the critical aspects of retirement planning, including:

  • How to plan for retirement together to avoid running out of money
  • The 5 key financial decisions every couple needs to make
  • The new retirement strategies for asset allocation and IRA withdrawals
  • What to do with old retirement accounts at previous employers
  • How you can both maximize your Social Security benefits
  • And much, much more…

If you live in or near LA, Chicago, Detroit, or Boston, we strongly recommend registering for “Smart Couples Finish Rich: The Retirement Seminar” so you and your partner can start the dialogue. No couple planning for retirement should miss this.

Seminars are April 29 in LA; May 6 in Chicago; May 12 in Detroit, and May 14 in Boston.

Enter code FO50Blog at checkout and receive
FREE registration for you and a guest!

The 90-minute seminar is regularly $15 per
person or $25 per couple.

if you want to retire in comfort.

David Bach is Vice Chairman of Edelman Financial Services LLC, a Registered Investment Advisor. He is an Investment Advisor Representative who offers advisory services through EFS and a Registered Representative of (and offers securities through) Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC.

Advisory Services offered through Edelman Financial Services LLC. Securities offered through Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC.

This post is sponsored by Edelman Financial Services. Thank you for supporting FabOverFifty!

Win A Colorful Soulevant Chemise

Upset with the lack of support from traditional nightgowns, FOF Linda Wallace-Blau created Soulevant, a line of colorful, and comfortable—chemises designed with built-in, wire-free bras.

Now, one lucky FOF will get to own one of Linda’s gowns, just in time for spring. The winner will pick from the Tropical, Zebra, and Ocean prints. Great in bed, these mid-length gowns also can double as sundresses or beach cover-ups.

Priced at $90, the gowns are 92 percent polyester and 8 percent spandex, so they have just the right amount of give. They’re also machine washable and made in the USA!

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Meet Tyanna and Her Two Little ‘Piggies’

I recently asked which glasses you liked better
on me, the heavy looking black frames
or the lighter blue frames.

Although the overwhelming majority of women chose the blue, which I also love, I’ve been wearing the black frames for now since I wanted a change.

An interesting email relating to my glasses popped up this morning, from Tyanna Moon (gotta love her name) of Tacoma WA, where she is a leasing consultant.

The mother of a 21-year-old son in college, Tyanna remarried seven months ago, after being single for 17 years. Here is her email:

“I first thought the black, then I gave them a closer, thoughtful look and decided on the blue. But it’s really about you. Do you like the look? Does it fit who you are? Own the look, then truly you can wear it. I know this isn’t always true, but in this case, I believe it is.

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7 Ways To Improve Yourself This Spring

Spiff up your home without breaking the bank.

Snap up 4 cool spring fashion looks for less!

Sharpen up with 5 leading beauty procedures
(and a knife is nowhere in sight)!

Sign up your face and neck for a skin care soirée.

Snuggle up with a suspenseful new book.

Jump up into a 3-minute-a-day exercise program.

Up the return from the creams and gels you’re using.

The Smartest, Simplest Way To Pay For Your Home Improvements

This is a “sponsored post.” LightStream compensated FOF with an advertising
sponsorship to write it, and provides more information at LightStream.com. Regardless,
I only recommend products or services I believe will be helpful for our readers.
All insights and expressed opinions are my own. —Geri Brin

Ed Note: This article is a must read for 57 percent of you who own a home and plan to spend money
on home improvement projects this year.

David and I were forced to leave our rental apartment in New York three years ago because the building was being converted into trillion dollar condos (OK, not trillion, but multi-million). We decided to move back into an apartment I’ve owned since 1992, where my daughter and her husband had been living. They were moving elsewhere. One problem: The apartment needed lots of work, since I hadn’t done anything with it in years.

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4 Spring Fashion Trends and How To Get Them For Less

Spring is definitely in the air!

Thank goodness we’re coming out of hibernation and starting to pack away
our heavy winter jackets, warm sweaters and comfy pants. We can’t wait to hit the shops so we can welcome in the sunshine with the beautiful colors of the season.

No matter how many clothes we own, what woman doesn’t love to buy at least a few new pieces when the weather changes? Here’s a list of four great spring looks, which you can (happily) incorporate into your wardrobe, without putting a crimp in your budget.

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{Frocks of Gibralter} Choosing The Perfect Gifts For Our Favorite FUFs (Fab Under Fifty Women)

It’s always fun to spot the gifts you’re pretty certain will please the 20-and-30-something daughters, nieces and friends in your life.

To help ensure that you put a big smile across a young woman’s face when she opens the box, first get a handle on her style. Remember, you’re not buying something you like. This is about her, and just because you think Banana Republic blouses are cool, doesn’t mean she wants to slip into one.

My daughter-in-law is Casual Cool, so it’s a pretty safe bet I’ll score if I buy her something from brands like Madewell or The Gap. Check out our suggestions for your favorite gals, from your Modern Boho daughter to your Preppy Chic colleague.

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