Monday, November 7, 2011

Adult children living at home

Adult children living at home after their parents are retired

October 29, 2011 · Filed Under Statistics

A new report from TD Canada Trust shows that adult children living at home may be interfering with their parents’ retirement plans — because those adult children will still be living with Mom and Dad after the parents have retired.
The TD Canada Trust Boomer Buyers Report shows that 17% of baby boomers who plan to downsize are delaying selling the family home because they still have adult children living at home. Of those, 12% say they will likely still have adult children living with them after they have retired.
These numbers illustrate one of the important points I try to make when talking about why adult children should always make a financial contribution to the household, and why it’s important to create a family budget. While it may seem like it’s “free” for parents to let their children live at home, it simply is not. In this case, parents who would otherwise be lowering their living expenses and freeing up equity from the family home are delaying doing so in order to house their adult children. This is a real, and significant, cost.
This report also raises an important question: Does it make sense for boomers who have retired and are living on pensions or retirement savings to continue to support their adult children, who are in their prime earning years?

Posted by Christina

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Holding ON

"When things go wrong as they sometimes will,
When the road you're trudging seems all up hill,
When the funds are low and the debts are high
And you want to smile, but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.
Life is queer with its twists and turns,
As every one of us sometimes learns,
And many a failure turns about
When he might have won had he stuck it out;
Don't give up though the pace seems slow--
You may succeed with another blow,
Success is failure turned inside out--
The silver tint of the clouds of doubt,
And you never can tell how close you are,
It may be near when it seems so far;
So stick to the fight when you're hardest hit--
It's when things seem worst that you must not quit."
~ Unknown

Beaten Down

If you are in a relationship and you are not happy, ask yourself why?
1. Does your mate humiliate you?
2. Do you fear going home?
3. Do you wish that you could go somewhere else other than home?
4. Do you sometimes cry yourself to sleep?
When you are not happy with yourself, you cannot be happy in a relationship. If someone is hurting you, it doesn't have to be physical to break you down, it can be verbally.

The most difficult task and yet the easiest we have as people in life is to love ourselves, if we cannot do that for ourselves, how can we demand and request that from others.

Stop allowing the issues of others to dictate your happiness or your future. Stop allowing other people to determine when and how you smile.

Today is not a guarantee, nevertheless tomorrow, so enjoy who you are today, no matter what challenges and injustices guide your path, say no to unhappiness. Enjoy the small joys in life.

Think about your relationship and your sanity and ask yourself, Why? Why am I here? Why should I stay? And how can I make things better?

Stop Blaming Others

I am about to scream, why do people blame other people for their misery and unhappiness.

Stop it, we tend to allow other people to control our lives and dictate our happiness. There are people placed in this world to make us unhappy, point and fact. Where there is good, there is evil, and where there is happiness, there is misery.

Now the true strength comes from how we deal with these people. I remember someone was trying to push my buttons, I mean really hit me hard with low blows; and I eventually started laughing out with every insult they gave me. They got so pissed off, I mean they just turned red with anger. I regained control over my life and the situation; and now I make it a plan and practice to never allow people to have tear down power. As long as we allow people to know our weaknesses, they will utilize it to their advantage.

I know that it is easier said than done, but we have to try for our own sanity and happiness.

My father always use to say, once you know your people your job is done. Well, know your audience, know your haters and most important know yourself.

Monday, November 7, 2011