Thanksgiving Greetings & Gratitude

An Attitude of Gratitude

The importance of gratitude is one of the few things in life that almost everyone can agree on.

We drill it into our kids. We preach it in our places of worship. We even have a majority holiday devoted to it.

The only thing we don’t do very often is talk about why thankfulness is so important.

Some might say that it’s a core value and leave it at that. However, others might be more mindful of practicing it on a daily basis.

Thankfully, gratitude isn’t something we have to figure out on our own. It’s been the subject of many wise words over the years.

The following list includes some of history’s best and more powerful quotes about being thankful.

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” John F. Kennedy

“Gratitude is the inward feeling of kindness received. Thankfulness is the natural impulse to express that feeling. Thanksgiving is the following of that impulse.” Henry Van Dyke
“Piglet noticed that even though he had a Very Small Heart, it could hold a rather large amount of Gratitude.”
Winnie-the-Pooh (A.A. Milne)
“No duty is more urgent than that of returning thanks.” James Allen
“We can only be said to be alive in those moments when our hearts are conscious of our treasures.”  Thornton Wilder
“Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude.” Ralph Waldo Emerson

Wherever you go and whatever you do this Thanksgiving I wish you the very best. Being able to work with you is something I’m truly grateful for.

With gratitude, Cynthia 

What To Do When Your Nest Egg Disappears

“Happiness is not something ready made. It comes from your own actions.”- Dalai Lama XIV

What To Do When Your Nest Egg is Gone 

There are many retirees out there that found their callings later in life and have decided to keep working for pleasure, as well as for financial reasons.

What happens when you’ve done all the right things and properly saved and planned for retirement — and then the rug is pulled from beneath your feet due to the unexpected and you’re left without your financial safety net during your golden years?

Amara Rose, one of my favorite contributing writers to HECM World, talked about this in a post a few months ago and I found it extremely relevant and a situation that some of my clients have unfortunately had to face themselves.

Amara mentioned one Boomer couple (66 and 71 year olds), who had everything all lined up for a relaxed and financially secure retirement. But then a combination of serial job loss, serious illness and the financial markets collapse practically eliminated their savings.

The couple asked their son and his family to move in while they tried to sell their house and move to a more affordable option in an attempt to repair the damage.

It’s unfortunate they weren’t aware of or didn’t consider a reverse mortgage, which might have been the ideal solution to enable them to remain in their home and start rebuilding their nest egg.

Now, even though the husband is employed again, they have an enormous amount of credit card debt.

Some financial pundits believe owning a house is the problem and can be a financial burden. And some advise seniors to pay off their mortgage and rent in retirement. Yet this doesn’t take into consideration that a great deal of seniors want to live out their golden years in their longtime home.

It’s true that housing can be a significant expense in retirement but it’s not the only concern or expense. According to a recent Employee Benefit Research Institute report, by age 90, “health care expenses account for more than 20 percent of the households’ entire budgets.”

End-of-life health care costs can be astronomical, even with Medicare: those in the 95th percentile of health care spending in 2011 spent almost $30,000, while those in the 25th percentile spent less than $1000.

The Keys: Preparation and Adaptation 

Finding a dream job later on in life may or may not happen. But having the peace of mind that you can stay in your own home is essential to many seniors.

It’s important that there is awareness of a reverse mortgage as a possible financial tool to benefit a nest egg when creating a retirement planning toolkit – especially if you consider many mass affluent are already using HECMs to strategically support their portfolios in a down market.

Aging with Humor: A Few Funny Thoughts & Stories

“Do just once what others say you can’t do, and you will never pay attention to their limitations again.”- James R. Cook


Aging gracefully and growing older should be fun. Here are some short thoughts and a few funny stories about aging.


An elderly couple has dinner at another couple’s house, and after eating, the wives leave the table and go into the kitchen.

The two gentlemen were talking, and one says, ‘Last night we went out to a new restaurant and it was really great. I would recommend it very highly.’

The other man asks, ‘What is the name of the restaurant?’ The first man thinks and thinks and finally asks, ‘What is the name of that flower you give to someone you love? You know…The one that’s red and has thorns.’

‘Do you mean a rose?’

‘Yes, that’s the one,’ replied the man. He then turns towards the kitchen and yells, ‘Rose, what’s the name of that restaurant we went to last night?

I’ve sure gotten old! I’ve had two bypass surgeries, a hip replacement, new knees, fought prostate cancer and diabetes.

I’m half blind, can’t hear anything quieter than a jet engine, take 40 different medications that make me dizzy, winded, and subject to blackouts. Have bouts with dementia.

Have poor circulation; hardly feel my hands and feet anymore.

Can’t remember if I’m 85 or 92. Have lost all my friends.

But, thank God, I still have my driver’s license.


An elderly farmer in Florida had a large pond down by his fruit orchard. One evening he decided to go down to the pond and took a five gallon bucket to pick some fruit.

As he neared the pond, he heard female voices shouting and laughing with glee. As he came closer he saw a bunch of young women skinny-dipping in the pond.

He made the women aware of his presence and they all went to the deep end. One of the women shouted to him, ‘We’re not coming out until you leave!’

The old man thought for a second and said, ‘I didn’t come down here to watch you ladies swim or to make you get out of the pond naked.’

Holding the bucket up he said, ‘I’m here to feed the alligator!’

I feel like my body has gotten totally out of shape, so I got my doctor’s permission to join a fitness club and start exercising. I decided to take an aerobics class for seniors. I bent, twisted, gyrated, jumped up and down, and perspired for an hour. But, by the time I got my leotards on, the class was over.


A couple in their nineties are both having problems remembering things. During a checkup, the doctor tells them that they’re physically okay, but they might want to start writing things down to help them remember.

Later that night, while watching TV, the old man gets up from his chair. ‘Want anything while I’m in the kitchen?’ he asks.

‘Will you get me a bowl of ice cream?’


‘Don’t you think you should write it down so you can remember it?’ she asks.

‘No, I can remember it.’

‘Well, I’d like some strawberries on top, too. Maybe you should write it down, so’s not to forget it?’

He says, ‘I can remember that. You want a bowl of ice cream with strawberries.’

‘I’d also like whipped cream. I’m certain you’ll forget that, write it down.’ she says.

Irritated, he says, ‘I don’t need to write it down, I can remember it! Ice cream with strawberries and whipped cream – I got, for goodness sake!’

Then he toddles into the kitchen. After about 20 minutes, the old man returns from the kitchen and hands his wife a plate of bacon and eggs. She stares at the plate for a moment.

‘Where’s my toast?’