Learn How to Enjoy Your Retirement.

Retirement should never be boring.

It should be just the opposite. It should be enjoyed. An eight hour job where the tasks are repetitive and demanding are boring, not a life of retirement where you can get up each day and make it interesting, challenging, or just plain fun.

Not only that, but in retirement, you can also decide to work for pay, such as working from home or doing independent consulting work, or do volunteer work.

Either way, the key to it is that you are not doing it out of necessity, but because you want to and its rewarding.

Also, it is a time when you can plan a trip to some exotic place, learn a new skill, write a book, explore your city, go to a new restaurant, or just hang out with your friends more often. Begin on Sunday afternoon when you are relaxing and plan out your week, but always be open to the pleasantly unexpected.


If you live in the part of the country, as I do, where you have four distinct seasons, the seasons themselves help shape some of the things you can do for enjoyment. In the summer, the outside activities such as going to fairs, festivals, and parades beckons.

In the winter, the indoor activities such as going to concerts, movies, and plays beckons. The spring and autumn allows for even greater choices. Just use your imagination and enjoy life.


What are your thoughts. Leave your comments below.

Here are 7 Ways to Know How Much Life Insurance You Need. Don't Die Without It.

Having life insurance should not be taken lightly. It's best to buy it while you are in decent health. However, even if you health deteriorates, chances are you can still get coverage.

Here are the 7 Ways to Know How Much Life Insurance You Should Have:

1. What would happen if there is no income coming into the household because of the death of a breadwinner?
2. How will your children fund their college education?
3. How will your spouse live in retirement?
4. What happens to the assets you've accumulated if there is no insurance to cover everyday expenses?
5. How will medical bills be paid?
6. How will funeral fees be paid?
7. and, how will estate settlement cost be paid?

These questions demand accurate answers. Stop putting off what needs to be done. Call (773) 714-3201 for a free consultation or e-mail me at bwillbar@gmail.com.

The Best Alternative to Social Security

The best alternative to Social Security is a whole life insurance plan. The next best alternative to Social Security is a universal life insurance plan. I will just focus on the whole life insurance plan today.

A whole life insurance plan provides a life insurance feature which is the face amount of the insurance plan while the cash value feature is your cash build up. Both the face amount and the cash build up is guaranteed for your whole life. A 5% guaranteed interest rate is typical in most whole life insurance plans. You should buy as large a face amount as you can afford. This will allow for a larger cash build up. Remember that the cash build up is tax-free and can be borrowed whenever you decide to do so. No questions asked. However, for the purposes of  retirement, you should not touch it until you are ready to retire.

If you have beneficiaries, you can easily see the value of a plan like this. If you pass away prematurely, your beneficiaries will receive the full face amount which can be annuitized after the death benefit is paid.

Nevertheless, for this plan to work properly, you must tell your Representative and Senators that you want the Social Security System to be privatized and don't accept no for an answer.  Do not equate this strategy with putting your money into the stock market. This has nothing to do with the stock market.

Keep in mind that the Social Security System is already paying out more money than it's taking in and will be totally bankrupt in a just a few years. The politicians don't care. They have arrogated to themselves a fabulous retirement program with our money.

In a coming blog, I will show you what  a great cash build up you can anticipate when you can take the same money you are putting in a dysfunctional Social Security System and choose this alternative.

Leave your comments. 

How to Take Control of Your Retirement

During these economic times when you think of your retirement, two considerations should be uppermost in mind, preservation of principal and a guaranteed return.

However, there's a political issue that must be included along with your retirement strategy. You can not allow the politicians to continue taking your money knowing that the Social Security system is currently hemorrhaging and will be completely bankrupt by 2032 if not sooner.

At the same time, the politicians have guaranteed themselves a fabulous retirement at our expense. The politicians are our representatives, not our leaders. They are no better than we are and should not be allowed to have any more privileges than any other citizen of this country. It is our tax money that they are using to guarantee their fabulous retirement. We can not continue to be this dumb.

While so much energy has been spent in attempting to stop the outrageously expensive and rights destroying health care plan coming from the President known as Obamacare, the pathetic Social Security system can not be overlooked. Congress must be required to have the same type of retirement plan available to all of us.

We must also put a end to the different types of retirement plans that teachers, federal employees,and other public employees have. And, by the way, their retirement benefits are subsidized and guaranteed by our tax money. All these plans, therefore, are far better than the Social Security plan that the average citizen have. This inequality must end.


So, while you are planning for your retirement and restructuring your finances to conform to the considerations of preservation of principal, and a guaranteed return, you must not leave out the political component.