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Mindfullness - I've Heard it All Before!

11/20/2021

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Describing something ad nauseum will surely exhaust its credibility. It may even blend into the mobbed, congested network of our over-stimulated lives; thus, its crucial and precious lesson goes unlearned, unpracticed. Such is the case with Mindfulness. Everywhere you turn someone is talking about mindfulness, even me, right now! But I’m going to tell you the real deal about mindfulness. It’s not complicated.

When we think of mindfulness we invoke images of Yogi’s levitating, eyes drawn back so only
the whites are visible, chanting harmoniously, ohm…ohm…ohm. This is not so. Mindfulness means being present at a precise moment. It is when all your consideration is focused on what you are doing, feeling, saying, enjoying, and being. Mindfulness can be freeing and inspire growth! 

Forced to Face
Mindfulness can also be classified as Attention. And attention leads to Control and Balance. We all want control and balance in our lives. It all starts with mindfulness. Mindfulness leads to an altruistic life. You cannot hide from yourself whilst existing in attendance with your thoughts. Being present influences you to evaluate and scrutinize your life; it forces you to face any deficiencies. After that only two things can happen. You can disregard what needs to be changed or fixed in your life or take control and resolve any issues that have become apparent. Thus, growth is inevitable with mindfulness. But, it doesn’t come easy. Consistency is the key!

Practice Makes…Pretty Good
Mindfulness is a skill. It takes time to master like any other ability worth learning. You will never be perfect at being present; there is always room to grow. But you can master it until it becomes second nature. Epictetus was a Stoic philosopher who came to be known in the early second century C.E. He lived first in Rome as a student, and then as a teacher with his own school in Nicopolis, Greece. Epictetus explains in his writing how important it is to practice mindfulness. He told his students once they have let their attention lapse, it is very difficult to recover it, “Do you not realize that when once you have let your mind go wandering, it is no longer in your power to recall it, to bring it back to what is right, to self- respect, to moderation?” We must not allow “life” to influence us and take us away from mindfulness. Being mindful is being in control. Regularity in practice is essential but don’t think school ends any time soon. You’re here for the long haul!

You’re Going to Be Here a While
It is a war not just a battle. Take your time. Making our way through this life is difficult. It starts
with our first breath and ends with our last. We are thrown into this world innocent, clueless;
immediately we search to make sense of our surroundings. We continue this our entire lives. Epictetus proposed, “It’s a lifelong series of subtle readjustments of our character. We fine-tune our thoughts, words, and deeds in a progressively wholesome direction. When you actively engage in gradually refining yourself, you retreat from your lazy ways of covering yourself or making excuses.” When we are actively engaged in our lives, we are being mindful. And when we are mindful, we have no choice but to grow.

Getting Started
Try this exercise. You can use a raisin or any other small edible like, nuts, berries, grapes, etc. For
this exercise I will use a raisin.

First, take a raisin and hold it in the palm of your hand or between your finger and thumb. Squeeze it gently. Take note of the texture.

Next, take time to really focus on it; gaze at the raisin with full attention—imagine that you are
from another planet and have never seen anything like this before. Reconnoiter every part of it,
examining the highlights where the light shines, the darker caverns, the folds and crests, and any unique features. Now, Close your eyes and turn the raisin over between your fingers, squeeze gently.

Take a whiff! Hold the raisin beneath your nose. Inhale. Envelop your nose with the aroma and
fragrance. Take note of what may be happening with other senses. Notice your tongue.

Now slowly bring the raisin up to your mouth. Delicately press it to your lips. Feel the texture on
your lips. Softly place the raisin in your mouth; do not chew it! Spend a few minutes focusing on the
raisin in your mouth. Explore it with your tongue. You should begin to taste it. Try to pick out the sweet and tart sensations. Then, after a few minutes take one bite. Let it continue to roll around your mouth. Notice what exactly happened. How did it split? Did it squish? How big are the remaining pieces? Continue to chew noticing all the changes.

When you are ready to swallow the raisin, first detect the intent to swallow. Experience the pre-
swallow activity, an increase in saliva. Be very conscious as you swallow the raisin. Follow it down until you cannot feel it any longer.

You can apply this same technique to anything in life. Riding a bike, exercising, eating a meal,
making love (being mindful during love making increases the pleasure tenfold!), or any other activity in life. One of the best ways to be mindful is to just sit with your thoughts. Don’t try to deflect, deny, or ignore them. Engage with your thoughts. Yes, this can be scary-at first. But after a while it is most
assuredly freeing. Be one with yourself. Be good to yourself.

Courtesy of - Khronology -Functional Fitness and Nutrition - kronologyfit.com
Helping you age well and heal through food, movement and a healthy lifestyle!



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Enjoy retirement without a house payment!

11/8/2021

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Q: What do most Americans cite as their #1 fear during retirement?
A: Running out of money.

If you are living in a primary residence, plan to stay a minimum of 18 months and have paid your mortgage and creditors on time for the last two years, you might want to consider a Reverse Mortgage.


  • More than 1.2 million senior households have utilized an FHA-insured reverse mortgage
  • Older adults often focus on a debt-free retirement, overlooking a valuable financial resource: their home. Collectively, homeowners 62+ years have a record $6.5 trillion of “tappable” equity
  • A reverse mortgage is a “non-recourse” loan. Borrowers are not responsible for repaying the loan.

    Source: Black Knight, Nov. 2, 2020

A reverse mortgage can help homeowners at least 62 years old age-in-place, maintain independence, retain home title ownership, gain access to home equity that earns compound interest tax-free (and is non-taxable when drawn on) or double their purchasing power to get a newer home.

They enable older Americans to borrow against the equity in their homes to help fund retirement needs without having to make PI monthly payments as required with traditional "forward" mortgage or home equity loans. Funds are advanced to the borrower and interest accrues, but the outstanding balance is not due until the last borrower leaves the home, sells, refinances or passes away.

A reverse mortgage was a "win" for many local Coloradan clients of Kevin Guttman's, including:
  • Carol, an 84-year-old woman on a tight budget, was using credit cards to buy groceries. A reverse mortgage freed up more than $1,000 each month, eliminating her monthly PI mortgage payment and enabling her to pay off debt and retain title to her home.  
  • Ruth, a 75-year-old woman, dreamed of buying a sprinter van to travel to national parks. She turned her dream into a reality with a reverse mortgage, using equity from her home tax free.
  • Sharon and Bill, a couple in their 60s, used a reverse mortgage to double their purchasing power for a newer, updated home with no monthly PI mortgage payment. When Bill passed away, not having a mortgage payment allowed Sharon to stay in their home.
  • Jim was concerned that his senior parents might outlive their money. A reverse mortgage’s elimination of monthly PI payments gave the couple more disposable income to pay medical and rising cost of living expenses.
  • Is a reverse mortgage right for you?
    A Certified Reverse Mortgage Professional can educate you about your specific numbers and what you might quality for, as well as provide an analysis of your situation, so you can make an educated decision. All reverse mortgage borrowers are required to get counseling from an independent, third-party, HUD-approved counseling agency.
  • A reverse mortgage does not have to be complicated when you have a professional’s help!
  • Kevin Guttman can help guide you through the Reverse Mortgage application and arrange for an appraisal of your property after receipt of your HUD counseling certificate. He can process the necessary paperwork, including a title report and the checking of balances of liens/mortgages to be paid off. Once completed, the documents will go to a loan underwriter for final approval. You will work with your reverse mortgage specialist to satisfy any conditions or requirements needed to close the loan.  Learn more at ReverseMortgageRevolution.com.
  • Certified Reverse Mortgage Professional (CRMP) -- An elite designation
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Colorado Vacations – Steamboat Springs

11/4/2021

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Head for Steamboat Springs any season of the year – Here’s Why!
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It's fun, beautiful and full of activity!



Steamboat has a unique mix of warm sun, cowboy boots and friendly locals which gives an inviting and laid back atmosphere to this historic Colorado resort town. This is where western heritage meets outdoor adventure, and there's something for everyone to enjoy!

Fun Activities & Entertainment:


* Tubing at several locations – Howelsen Hill – Steamboat – Saddleback Ranch’s Yee-Haw Tubing Hill – Yampa River

* Natural Hot Springs and Mineral Pools (To Die For – Very Relaxing!)

* Steamboat Pro Rodeo – Old Fashion Wagon rides and Dinner

* Slingshot Bungee Jump Trampoline (oh boy… be careful)

* Plenty of music festivals all year round for all ages (Click the link below)

* Mountain activities include, Hiking – Mountain biking – Horseback riding – ATV and Jeep tours – Hot air balloon rides
​
* Steamboat is listed as one of "The 10 Best Ski Resorts in the US" by Snowpak.com

* Travelers in the early 1900s visited Steamboat Springs in the summer months for the natural hot springs and the vast hunting and fishing opportunities

* Your top destination to learn about the history of Steamboat Springs is the Tread of Pioneers Museum. It has engaging and interactive exhibits which feature local and regional American Western history.


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Steamboat Springs is a “must visit” in Colorado!
Find out more here:


https://www.steamboatchamber.com/

Related Travel Post: Buena Vista Adventures
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