Carmen Gonzalez

80 Flips | 15 Magazines | 7 Likes | @CarmenGonza54hj | Keep up with Carmen Gonzalez on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Carmen Gonzalez”

How Women Can Close the Retirement Savings Gap

As a recent Vanguard study showed, men have approximately 50% more money saved for retirement than women. Shocked and saddened by this, I wanted to …

The 10 Most Important Things to Prioritize if You Want to Be Successful

If who you are isn't who you'd like it to be, here are some helpful, worthwhile ways to steer yourself toward what is important.<p>Business cares about enterprise.<p>Leadership cares about people.<p>Entrepreneurship cares about flexibility.<p>Creativity cares about innovation.<p>What you care about defines who …

Cómo ahorrar

El ahorro de dinero es una de esas cosas que es mucho más fácil decir que de hacer. Todos saben que es sensato ahorrar a largo plazo, pero muchos …

10 Less Obvious Ways To Reinvent Your Life This Year

<b>2. Write a letter to yourself from the grave.</b> Do what you’d want to do if you were going to be dead in a year. Remind yourself of your mortality …

Motivation

How (and Why) to Develop Your Mental Toughness

Developing your mental toughness can help you be more emotionally resilient, push you to go further and harder, and build armor to persevere against …

The 10 Best Exercises You Can Do For The Rest Of Your Life

Fitness professionals praise simple, sustainable and modifiable moves.<p>From boot camps to SoulCycle to early morning dance parties, there’s no shortage of fitness trends with a devoted, young, fit following. But when it comes to exercises that even the oldest and most out of shape can (and should) …

Exercise

15 habits that can make you happier

But advice on exactly how to boost your happiness is often not backed by science, even though there's a whole field devoted to studying it.<p>While everyone has different things that make them happy — a taco stuffed with cilantro is joyful for some and miserable for others — research on well-being has …

Happiness

Secrets of kindness from Matthieu Ricard, the 'world's happiest man'

If being kinder is a goal for you, Matthieu Ricard has some good news. Kindness leads directly to happiness, says the 69-year-old Buddhist monk.<p>Ricard, often called the “happiest man in the world," has undergone hours of MRI scans during which scientists found unusually high levels of upbeat …

Happiness

22 Smart and Simple Ways to Motivate Yourself

<i>“Be miserable. Or motivate yourself. Whatever has to be done, it’s always your choice.”</i> <b><br>Wayne Dyer</b><i>“People often say that motivation doesn’t last.</i> …

20 Money Mistakes Everyone Makes But No One Admits

Our communal tightlippedness about financial problems keeps everyone in the dark.<p>Although Americans are known, adorably, throughout the world as a …

Guide to Meditation

What if there was a mental exercise you could do that would increase your brain size, make your thinking more efficient, reduce your anxiety levels, …

Top 5 Must-Ask, Pre-Retirement Questions for All Baby Boomers

Let's create the ultimate plan on how to spend your retirement years:<p>We always strategize when we're young.<p>That includes what school to attend, what to study, and what career to embark on. Many think about getting married and how many children they will have - even <i>before</i> they meet the right one.<p>An …

What retirement crisis? It’s all good

Worried about your lack of retirement savings? Take solace from this: A majority of those who are already in retirement say it’s not as financially …

How To Prepare Yourself Mentally For Retirement

As someone who writes about personal finances for people in their 50s and 60s, I get a lot of retirement books. Most of them are perfectly fine, parroting the traditional financial advice about saving wisely and managing expenses. Some are off the wall.<p>But I recently read a new one called <i>The</i> …

Retirement

Here Are 5 Things You Need To Do 5 Years Before You Retire

Working until you drop isn't actually a great retirement strategy.<p><b>1. Admit to yourself that you are, in fact, going to stop work at some point.</b><p>"Working until I drop" isn't actually considered a great retirement strategy. For one thing, the choice to keep working isn't always ours to make: Ask any …

Retirement

10 Bloggers Who Make Aging A Whole Lot Easier

Cut through the confusion and information overload.<p>Can we all agree that living in the Information Age means we are in a constant state of information overload? With a wealth of knowledge -- and misinformation -- available with just a few keystrokes, the inevitable confused state is understandable. …

Retirement

10 Things to Know About Money Before You're 60

You still have time for changes that can make a difference.<p>You’ve been hearing and reading about this thing called retirement for a lot of years. …

5 Reasons Self-Development is Key to Your Success

Self-Development or personal development is the result of taking steps to improve yourself. There is no single area of focus. In fact, the process of …

The 8 Steps To A Successful Early Retirement

<i>A lot of folks dream about hanging it up before the traditional retirement age of 65. That’s a tall order, though. One of the smartest and best financial advisors in the business, AdviceIQ Network member Brenda P. Wenning, president of Wenning Investments in Newton, Mass., tells how to bring off</i> …

4 Key Steps in the March Toward a Comfortable Retirement

Only 15% of military personnel serve long enough to earn a pension.<p>Most service members know that the military offers a generous pension—50% of your …

21 lifestyle changes to make if you want to save more money

When it comes to getting rich, the formula is simple: Spend less and save more.<p>That's easier said than done. To save a considerable amount of money, you have to make more than an intermittent effort. You have to make a lifestyle change.<p>What kind? We rounded up 21 lifestyle changes anyone can make …

Personal Finance

9 Retirement Planning Deadlines You Shouldn't Overlook

<b>Retirement deadlines</b><p>Retirement accounts have contribution deadlines you need to meet to qualify for tax breaks and avoid penalties. Social Security …

Working Out With Victoria’s Secret Model Cindy Bruna: The 5-Step Guide to Flat Abs

On the fifth floor of a Neo-Gothic tower in New York, where large picture windows and free-weight stations overlook the city’s Nomad neighborhood, Cindy Bruna is bouncing eagerly from toe to toe. The 21-year-old French model has just arrived at trainer David Kirsch’s Madison Square Club for one …

50 Ways Happier, Healthier and More Successful People Live on Their Own Terms

<b>1. Stop consuming caffeine</b><p>Although people think they perform better on caffeine, the truth is, they really don’t. Actually, we’ve become so dependent …

Self-improvement

5 Types of People to Surround Yourself With for Success

You don't become successful all by yourself. Here are a just few types of people you might have around your that will get you there.<p>You don't become a success alone, you've got friends who support you and family who listen to your business trials and tribulations. You might even have both friends …

5 Questions Every Woman Must Ask Herself in Order to Be Happy

<i>By Alison Jacobson for DivorcedMoms.com</i><p>If someone were to ask you whether you want to be happy, you'd probably think they were crazy. I mean, who wouldn't want to be happy? But what if someone were to ask the question a bit differently?<p><b>Are you willing to do whatever it takes to be happy?</b><p>Usually, …

Happiness