boomer income streams
and  real costs of living allocations

reverse mortgages      supplemental income      stay at home cost analysis

boomer income streams

money matters

Where and how you will YOU choose to live in your Post-50 years? A little dollars and sense  planning can make a big difference. Where to start? Decision-making about "feathered nests" for today and tomorrow may include the following interesting information from the researchers a The Sage Companion PROJECT. Take a look at the math for surprising findings.

POST 50 Money Essentials


Check out THE
self-guided PRACTICAL ARTS
tours for life skills.

Essential money matters and ways in which you can prosper involve wise choices.

click this LINK or the GRAPHIC

10  Important Questions

The Sage Companion Project discovered the following questions via  CNN MONEY MAGAZINE. The research team sat down to talk about these 10 questions with each other, family and friends and concluded that here were excellent starting points to talk about essential money matters.

1. Since you're allowed to give [$ __"X" amount A__ (in 2014 $14,000)] a year tax-free to an individual, how much may you and your spouse give your married son for a down payment this year without having to file a gift-tax return?     

2. Which estate-planning technique effectively lets you and your spouse double the amount of assets you can shield from estate taxes?

3.The purpose of a living will is to ____________________________ .               

 4. Why can you and your heirs get a tax break if you put your home in a qualified personal residence trust or QPRT?

5. Who needs a will?

6. If you have $ 800,000 in stocks and bonds, what amount can you leave to your spouse free of estate taxes?

7. If you want to direct assets to good causes after you die, which of the following can grow the charitable dollars you give now and pool them with money from other donors?

8. If you give away $ 200,000 more than your lifetime gift-tax exclusion and you die within three years of making that gift, you will______

9. When should you review your will?

10. Who's the best person to assign power of attorney?

POST 50 Aging In Place Costs

  • Would you consider remodeling your home for long-term use?
  • What would be your first improvement?
  • And what about "PUTTING MONEY ASIDE" for related expenses?

To learn more about how to set aside
as little as $5.00 a week
for age-friendly up-fitting


boomer income streams 
50 Suppl
emental Income

It simply  makes sense to think about essential money matters and do the research
to plan for wise financial choices regardless of age - but especially Post 50.

Nationally-recognized AUTHOR and certified career coach
and business professional

Making Money Tracks,

a 7-Day Self-Guided eBooklet

boomer income streams


7-Day Action Plan & Workbook

 "Gold Dust at Your Feet"

Gets Beyond Career Candy
to Real Money-Making Priorities

Tailor-Made for Post-50-People

MAKING MONEY TRACKS uses a step-by-step  formula to put yourself "On the Right Track” .

It bases money-making aspirations and actions not only on dollars, but on good "sense".  It encourages “follow your bliss” assessments of career, work  and entrepreneurial enterprise choices.

Expect to touch in with social networking resources in the proposed tasks.   It has been helpful for Post-50-People and  “baby  boomers”  and is informed by research that  reveals that 80 %  (four out of  five) intend to work past the once traditional retirement age. 

 Field-Tested for Over a Decade

boomer income streams


If you haven't attended one of her workshops, here is your chance to connect with janeAnne Narrin, M.A., C.S.W. ePRO. She is a  pioneer in the fields of marketing, personnel development and education. In create and publish The Sage Companion Project this not-for-profit educational and social enterprise.

With over twenty years successful experience as a personal branding strategist leading the way in professional career path planning and coaching, Ms. Narrin has helped many of clients make realistic assessments. She never fails to highlight and support the idea of  staying true to your own core values. This, she insists, is especially important – regardless of age.

boomer income streams

PREVIEW  Making Money Tracks

A recent Harris poll pointed out that 72% of American households are thinking about starting a home-based business.  Regardless of age or physical ability-- that this may be an excellent (if unexpected) opportunity to reboot careers. Ready to get in the "flow"?  Simply Answer 5 questions.

What are your Top 3 Talents?

1. __________

2. __________

3. __________

What are your Top 3 and  Passions?

1. __________

2. __________

3. __________

What are 3 ways to put these to good use?

1. __________

2. __________

3. __________

What are 3 ways to help you follow your own best advice?

1. __________

2. __________

3. __________

(at home or from a place of your choice)


1.YES           __________

2.NO            __________

3.MAYBE      __________


This  self-guided  eBooklet was created over a period of ten (10) years and has been field-tested across a broad range of participants and settings with seasoned professionals and   pioneers in marketing, personnel development, and education.

Making Money Tracks
self-guided eBooklet
download to your desktop or

boomer income streams


"My friend then asked for some advice. He had interviewed a man over 60 who he considered to be very overqualified...he asked if I would hire the man, I asked him why he hadn’t. I shared some studies of older workers have documented that they tend to be more dependable, take less sick time, are more productive and make better decisions…all frustrations with the current group of younger team members. Not only would his company be benefiting from the wisdom and experience of a seasoned professional, the older candidate could quickly become a role model for younger workers. Since feeling my friend might also be a little concerned the applicant might even be better than him."  Dick Ambrosius

boomer income streams

POST 50 Reverse Mortgages

THE NATIONAL ASSOCIATION OF REALTORS  provides a Field Guide to Reverse Mortgages. It is one of the most complete documents we have reviewed and has multiple links and resources. Before making a commitment to a reverse mortgage, The Sage Companion Project recommends readers review the information to be found here.

(Updated September 2014)

"A reverse mortgage can provide cash to homeowners who do not want to move but would like to tap the equity in their home by allowing senior citizens to borrow against the equity, but they can pose risks to homeowners. This page includes articles, books and websites relating to reverse mortgages. " 


 - Empower Success -

1. CREATE AN ENTREPRENEURIAL ONLINE PRESENCE: If you desire to work independently, we  know a number of Post-50-People who have created a web presence- that can be a source of income. In creating The Sage Companion Project, we used special software to build The Project, so technical matters are not hurdles we face. If you are a creative person, you might appreciate those features and benefits. 

2. TAKE YOUR IDEAS FORWARD- CROWD FUNDING: This is the practice of funding a project or venture by raising monetary contributions from a large number of people, typically via the Internet.  The crowd funding model is made up of three parts:

  1. The project initiator who proposes the idea and/or project to be funded;
  2. individuals or groups who support the idea; and a moderating organization (the "platform") that brings the parties together to launch the idea i.e.
  3. Kickstarter - the world's largest funding platform for creative projects

Crowd funding examples can include business, film, music, art, theater, games, comics, design, photography, and more. In 2013, the crowd funding industry grew to be over $5.1 billion worldwide.Is Crowd Funding Right for You? Investigate " Strategies for a Successful Campaign, Elements of an Effective Social Media Campaign and Tips for Telling Your Story & Crafting Your Pitch." 


A recent Harris poll pointed out that 72% of American households are thinking about starting a home-based business- choosing creative ways to create an income stream - provide resources, information, services and/or goods from their lifelong homes.

Many participants report that a home-base business makes (dollars and) sense. Others stress-- regardless of age or physical ability-- that this may be an excellent (if unexpected) opportunity to reboot careers.


a) Evaluate the possibilities carefully.

b) Do NOT expect great rewards for no-or-low work promises.

boomer income streams

boomer income streams



Why do I need a will?
Do I need a living will and health-care proxy?
Why should I assign power of attorney?
Does a trust make sense?
What's the best way to give money now?


Setting priorities
Making a budget
Basics of banking and saving
Basics of investing
Investing in stocks
Investing in mutual funds
Investing in bonds
Controlling debt
Planning for retirement
Asset allocation
Hiring financial help
Health insurance
Life insurance
Estate planning


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aging-in-place, age in place