Dealing With The Shades of Oldness

Let’s not pretend it’s not an issue: People in all “shades of oldness” need and want love and connection as much as younger people. Perhaps, even a lot more.

Long-standing retired widowers often have a particularly difficult time dealing with advanced age, especially when they are looking for a younger woman. They have a lot to overcome:

Brain chemistry changes

Physiological changes

Lifestyle induced decline that happens rapidly, insidiously

Loss of social awareness

Loss of boundary awareness

Unaware of their annoying behaviors

Loss of concern for personal cleanliness

Unaware of loss of physical attractiveness

For decades, married men often took their wives for granted. They had sex when they wanted it and didn’t do anything to stay physically or sexually attractive. (not that the wife did, either). Truth is, they both took each other for granted.

When a woman loses her husband, assuming she still has a young-ish persona, and if she has paid even minimal attention to her social skills, she can usually get back into the dating game. She may not have much to choose from, but she’s “in play”. If a woman can paint her face, pull on her Spanx, and spray on some perfume, she can usually attract someone to share her life to one degree or another.

A man, however, will have a more difficult time, especially if he wants a much younger woman, or unless he is well set financially, in which case, he can usually attract whatever he wants.

Many men have long forgotten how to attract and interact with a new and probably younger woman who is more contemporary than the woman he had been living with for so many years. A man who has not aged well, be it the result of faulty genes, or health issues may have a difficult time. For example, a fastidious woman is turned off by seeing bad or missing teeth and bad breath. And, this is a BIG – a woman doesn’t want to be a nurse. She’s caring but she’s done taking care of sick and needy children – or adults.

For some unfathomable reason, old men seem to think they should join the young men’s trend to have facial hair. Think about it: an old/older man with a face full of shaggy white hair doesn’t look sexy; he just looks 20 years older than he is and if the truth is told, he looks decrepit. And because he may not be as fastidious as he could be, his beard may be infested with a variety of food remnants and other remains which scientific testing has discovered may be rife with fecal bacteria.

Even though a man is not as sharp as he used to be and his body is shriveled to one degree or another, often, he still fancies himself an attractive stud any woman would desire. If you want to see something pathetic, watch an old guy at McDonald’s ordering a cup of senior coffee and flirting with a female teenage order taker who tolerates him with a giggle and a smile because she can’t afford to be unpleasant and perhaps lose her job.

Yes, at an advanced chronological age, life can be tough for both genders, but it doesn’t have to be if an effort is made early on in life to preserve many of the gifts given to us by youth. Thinking and preparing ahead pay off.

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Offshore Banking – Fiction Vs Fact

FICTION: Offshore banking can’t be that good because they can’t really pay the high interest rates they offer. If they could really pay those rates then U.S. banks would try to be competitive and have the same interest rates.

FACT: Examine closely the financial statements of any U.S. Bank. You will see that their “gross” profits against customer deposits can range from 25% to 40% — but — they have laws written in stone to limit the interest amount they can pay customers on their deposits. The U.S. banks place their earnings into unnecessary frills and non-productive expenditures like fancy buildings etc., while offshore banking facilities don’t do this and share their profits with their customers.

FICTION: Offshore banking isn’t regulated, so you are at risk of losing all money deposited with them.

FACT: The truth is that every country in the free world has regulations, rules and laws governing financial institutions and banks. Those regulations, rules, and laws, however, are much less restrictive than the “protectionist” U.S. banking regulations, rules, and laws and allow the offshore banking industry better opportunity to earn much greater profits for their investors and depositors.

FICTION: Offshore banking facilities are not insured by the F.D.I.C.

FACT: Some of the banks are but not that many. If they are, they must comply with the same protectionist banking regulations and rules as all the other F.D.I.C. insured banks. But, the majority of offshore banking facilities are insured; one way or another.

Depositor insurance programs similar to the F.D.I.C. program have been established in some countries, so that the banks in those countries have their deposits insured. Independent insurance companies insure the deposits of offshore banking facilities in other countries AND unlike the F.D.I.C., insure 100% of the banks deposits; not just those under $100,000. (By the way, some of the banks in the U.S. insure their deposits with independent insurance companies and many banks in the U.S. are not F.D.I.C. insured)

Offshore banking is “self-insured” for the most part which means those banks have a liquidity factor equal to 100% (or more) of the deposits on the books. Those banks have $1 (or more) in liquid assets for every $1 held on deposit. Therefore, there is no bank run because they can cover any depositor demand.

Self-insured offshore banking is actually more secure than F.D.I.C. insured U.S. banking. Why? Because the F.D.I.C. insured U.S. banks are permitted to maintain a liquidity factor equivalent to approximately 10 percent of their public deposits. (Is it any wonder why more U.S. banks fail each year than in any other country?)

Which kind of bank would you feel more safe having your money in? An offshore banking institution which as one dollar in cash for every dollar on deposit, or a U.S. bank which as ten cents in cash for every dollar that shows up on the deposit statement they give their clients?

FICTION: Offshore banking isn’t as big or strong as U.S. banking.

FACT: Of the strongest and largest big banks in the world (in assets), one bank ONLY is located in the United States:

Here are the safest offshore banks in the world, according to a ranking done in 2007 after examining their total assets in US dollars. This ranking is compiled from balance sheet information included on AllBanks.org

1 UBS AG Switzerland 2 Barclays UK 3 The Royal Bank of Scotland Group UK 4 Deutsche Bank AG Germany 5 BNP Paribas SA France 6 The Bank of Tokyo-Mitsubishi UFJ Ltd Japan 7 ABN AMRO Holding NV Netherlands 8 Societe Generale France 9 Credit Agricole SA France 10 Bank of America NA USA

2008/2009 UPDATE AFTER THE FINANCIAL COLLAPSE OF 2008

Germany’s largest bank, Deutsche Bank AG, reported a fourth quarter loss of about $6.3 billion. A year earlier, the bank posted a profit of about $1.3 billion (1 billion euros), Bloomberg reported.

Royal Bank of Scotland is expected to post losses of as high as £1.7 billion.

Bucking the trend is a bank not even on the list above and that bank is Standard Chartered bank which is expecting to post profits of 1.3 billion pounds. I have a contact who can help you open an account at this bank for your company if you desire to do so. The account would be in Hong Kong.

Another bank I know about is rated AAA by an independent rating service and if you are not from the U.S. or if you are from the U.S. and have a foreign LLC or IBC to open the account with then you can deposit $15,000 and get involved in their borrow low and deposit high program which has earned depositors as much as 100% per year on their deposit. It is easy to open an account there.

FICTION: Offshore banking must not be very good, or more facilities would advertise their services in newspapers and magazines in the U.S.

FACT: Offshore banking in general is restricted by law from advertising in magazines, newspapers, radio and on T.V. unless they come under the same protectionist rules and regulations that are placed upon U.S. banks. Knowing that, you should be cautious about doing business with any offshore banking facility that publicly advertises in the U.S. media. Because you can be very sure that they have sold-out to the U.S. banking establishment and that establishment will end up selling you out to those who make the rules.

FICTION: Offshore banking is only for the wealthy.

FACT: About 25 years ago, that may have been true. But I know of about three offshore banking facilities that will allow you to open an account for as little as $500. One of these is in the Asia, another in Europe, and another in Latin America.

FICTION: Opening an account at an offshore banking facility is too difficult, and it is very difficult to get a withdrawal when you need it.

FACT: Opening an account at an offshore banking facility is easy because you just follow the instructions they give to you. Getting your money out only requires a request that you fax or email with an attachment included.

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