Monday, December 28, 2009

Happy New Year to All !!!

A guy is 74 years old and loves to fish.

He was sitting in his boat the other day when he heard a voice say,

'Pick me up.'

He looked around and couldn't see any one.

He thought he was dreaming when he heard the voice say a gain,

'Pick me up.'

He looked in the water and there, floating on the top, was a frog.

The man said, 'Are you talking to me?'

The frog said, 'Yes, I'm talking to you.

Pick me up then, kiss me and I'll turn into the most beautiful woman you have ever seen.
I'll make sure that all your friends are envious and jealous because I will be your bride!'

The man looked at the frog for a short time, reached over, picked it up carefully, and placed it in his front pocket.

The frog said, 'What, are you nuts? Didn't you hear what I said? I said kiss me and I will be your beautiful bride.'

He opened his pocket, looked at the frog and said,

'Nah, at my age I'd rather have a talking frog.'




With age comes wisdom.





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Tuesday, December 1, 2009

Christmas Story

Beautiful story.... makes you understand that things happen for a reason
The brand new pastor and his wife, newly
assigned to their first ministry, to reopen a
church in suburban Brooklyn , arrived in early October excited about their opportunities. When they saw their church, it was very run down and needed much work. They set a goal to have everything done in time to have their first
service on Christmas Eve.
T hey worked hard, repairing pews, plastering walls, painting, etc, and on December 18 were ahead of schedule and just about finished..
On December 19 a terrible tempest - a driving
rainstorm hit the area and lasted for two days.
O n the 21st, the pastor went over to the church.
His heart sank when he saw that the roof had
leaked, causing a large area of plaster about
20 feet by 8 feet to fall off the front wall of the
sanctuary just behind the pulpit, beginning about headhigh.
T he pastor cleaned up the mess on the floor,
and not knowing what else to do but postpone
the Christmas Eve service, headed home.


On the way he noticed that a local business
was having a flea market type sale for charity
so he stopped in. One of the items was a
beautiful, handmade, ivory colored, crocheted tablecloth with exquisite work, fine colors and
a Cross embroidered right in the center. It
was just the right size to cover up the hole
in the front wall. He bought it and headed
back to the church..
B y this time it had started to snow. An older
woman running from the opposite direction
was trying to catch the bus. She missed it. The pastor invited her to wait in the warm church
for the next bus 45 minutes later.

She sat in a pew and paid no attention
to the pastor while he got a ladder, hangers,
etc., to put up the tablecloth as a wall tapestry.
The pastor could hardly believe how beautiful it looked and it covered up the entire problem area.
T hen he noticed the woman walking down
the center aisle. Her face was like a sheet.
"Pastor," she asked, "where did you get that tablecloth?"
The pastor explained. The woman asked him to check the lower right corner to see if the initials, EBG were crocheted into it there. They were.
These were the initials of the woman, and
she had made this tablecloth 35 years before,
in Austria
The woman could hardly believe it as the
pastor told how he had just gotten the
Tablecloth. The woman explained that before
the war she and her husband were well-to-do people in Austria . When the Nazis came, she was forced to leave. Her husband was going to follow her
next week. He was captured.
Sent to prison and never saw her husband or
her home again.
T he pastor wanted to give her the tablecloth;
but she made the pastor keep it for the church.
The pastor insisted on driving her home, that
was the least he could do. She lived on the other
side of Staten Island and was only in Brooklyn
for the day for a housecleaning job.
What a wonderful service they had on Christmas
Eve. The church was almost full. The music and
the spirit were great. At the end of the service,
the pastor and his wife greeted everyone at the door
and many said they would return.
One older man, whom the pastor recognized
from the neighborhood continued to sit in one
of the pews and stare, and the pastor wondered why he wasn't leaving.

The man asked him where he got the tablecloth
on the front wall because it was identical to one
that his wife had made years ago when
they lived in Austria before the war and how
could there be two tablecloths so much alike.
He told the pastor how the Nazis came, how
he forced his wife to flee for her safety and he
was supposed to follow her, but he was arrested and put in a prison.

He never saw his wife or his home again all the 35 years in between.
The pastor asked him if he would allow him to
take him for a little ride. They drove to Staten
Island and to the same house where the pastor
had taken the woman three days earlier.
He helped the man climb the three flights of
stairs to the woman's apartment, knocked on
the door and he saw the greatest Christmas
reunion he could ever imagine.
True Story - submitted by Pastor Rob Reid
Who says God does not work in mysterious
ways. I asked the Lord to bless you as I prayed
for you today, to guide you and protect you
as you go along your way. His love is always
with you, His promises are true, and when
we give Him all our cares you know He will
see us through.
So when the road you're traveling on seems
difficult at best.. Just remember I'm here
praying and God will do the rest.
When there is nothing left but God, that is
when you find out that God is all you need.

F ather, God, bless all my friends and family
in what ever it is that You know they may be needing this day! May their life be full of your peace, prosperity and power as he/she seeks
to have a closer relationship with you. Amen.

Wednesday, November 25, 2009

I have a friend,

In this great
city that has no end,

Yet the days go
by and weeks rush on,

And before I
know it, a year is gone.

And I never see
my old friend's face,

For life is a
swift and terrible race,


He knows, I like him just
as well.


As in the days
when I rang his bell.

And he rang
mine but we were younger then,


And now we are
busy, tired men.

Tired of
playing a foolish game,

Tired of trying
to make a name.

'Tomorrow' I
say! 'I will call on Jim

Just to show
that I'm thinking of him.'

But tomorrow
comes and tomorrow goes,

And distance
between us grows and grows.

Around the
corner, yet miles away,

'Here's a
telegram sir,' 'Jim died today.'

And that's what
we get and deserve in the end.

Around the
corner, a vanished friend.

Remember to
always say what you mean.

If you love someone, TELL THEM !!

Because when
you decide that it is the right time it might
be too late.


Seize the day, never have regrets
and most importantly, stay close to
your friends and family, for they have
helped make the person that you are
today.

Wednesday, November 18, 2009

Golf Poem

In My Hand I Hold A Ball,
White And Dimpled, Rather Small.
Oh, How Bland It Does Appear,
This Harmless Looking Little Sphere.

By Its Size I Could Not Guess,
The Awesome Strength It Does Possess.
But Since I Fell Beneath Its Spell,
I've Wandered Through The Fires Of Hell.
My Life Has Not Been Quite The Same,
Since I Chose To Play This Stupid Game.
It Rules My Mind For Hours On End,
A Fortune It Has Made Me Spend.

It Has Made Me Yell, Curse And Cry,
I Hate Myself And Want To Die.
It Promises A Thing Called Par,
If I Can Hit It Straight And Far.

To Master Such A Tiny Ball,
Should Not Be Very Hard At All.
But My Desires The Ball Refuses,
And Does Exactly As It Chooses.

It H o oks And Slices, Dribbles And Dies, And Even Disappears Before
My Eyes.
Often It Will Have A Whim,
To Hit A Tree Or Take A Swim.

With Miles Of Grass On Which To Land,
It Finds A Tiny Patch Of Sand.
Then Has Me Offering Up My Soul,
If Only It Would Find The Hole.

It's Made Me Whimper Like A Pup,
And Swear That I Will Give It Up.
And Take To Drink To Ease My Sorrow,
But The Ball Knows ... I'll Be Back Tomorrow.


A recent study found the average golfer walks

about 900 miles a year.

Another study found golfers drink, on average,

22 gallons of alcohol a year. That means,

on average, golfers get about 41 miles to the gallon.



Kind of makes you proud.

You almost feel like a hybrid.

Friday, November 13, 2009

Character cannot be developed in ease and quiet.

Only through experiences of trial and suffering

can the soul be strengthened,

vision cleared, ambition inspired

and success achieved.

~Helen Keller

Saturday, November 7, 2009

THE YEAR 1909


This will boggle your mind, I know it did mine!
The year is 1909..
One hundred years ago.
What a difference a century makes!
Here are some statistics for the Year 1909 :

************ ********* ********* ******


The average life expectancy was 47years.


Only 14 percent of the homes had a bathtub..


Only 8 percent of the homes had a telephone.


There were only 8,000 cars and only 144 miles

Of paved roads.


The maximum speed limit in most cities was 10 mph.


The tallest structure in the world was the Eiffel Tower!


The average wage in 1909 was 22 cents per hour.


The average worker made between $200 and $400 per year .


A competent accountant could expect to earn $2000 per year,
A dentist $2,500 per year, a veterinarian between $1,500 and $4,000 per year, and a mechanical engineer about $5,000 per year.


More than 95 percent of all births took place at HOME.


Ninety percent of all doctors had NO COLLEGE EDUCATION!

Instead, they attended so-called medical schools, many of which

Were condemned in the press AND the government as 'substandard. '


Sugar cost four cents a pound.


Eggs were fourteen cents a dozen.


Coffee was fifteen cents a pound.


Most women only washed their hair once a month, and used

Borax or egg yolks for shampoo.


Canada passed a law that prohibited poor people from

Entering into their country for any reason.


Five leading causes of death were:

1. Pneumonia and influenza
2. Tuberculosis
3. Diarrhea
4. Heart disease
5. Stroke


The American flag had 45 stars.


The population of Las Vegas, Nevada, was only 30!!!!


Crossword puzzles, canned beer, and ice tea

Hadn't been invented yet.


There was no Mother's Day or Father's Day.


Two out of every 10 adults couldn't read or write.

Only 6 percent of all Americans had graduated from high school...


Marijuana, heroin, and morphine were all available over the counter at the local corner drugstores. Back then pharmacists said,'Heroin clears the complexion, gives buoyancy to the mind, regulates the stomach and bowels, and is, in fact, a perfect guardian of health'



( Shocking? DUH! )


Eighteen percent of households had at least

One full-time servant or domestic help.


There were about 230 reported murders in the ENTIRE ! U.S.A. !


Try to imagine what it may be like in another 100 years.


IT STAGGERS THE MIND, Have a wonderful day !! Fran and Lois









------------------------------------------------------------------------------

Tuesday, October 20, 2009

Your Heart




"Tomorrow morning," the surgeon began
"I'll open up your heart..."


"You'll find Jesus there," the boy
interrupted.


The surgeon looked up, annoyed. "I'll
cut your heart open," he continued,
to see how much damage has been
done..."


"But when you open up my heart, you'll
find Jesus in there," said the boy.


The surgeon looked to the parents, who
sat quietly. "When I see how much
damage has been done, I'll sew your
heart and chest back up, and I'll plan
what to do next."


"But you'll find Jesus in my heart. The
Bible says He lives there. The
hymns all say He lives there. You'll
find Him in my heart."

The surgeon had had enough. "I'll tell
you what I'll find in your heart.
I'll find damaged muscle, low blood
supply, and weakened vessels.
And I'll find out if I can make you well."

"You'll find Jesus there, too. He lives
there."

The surgeon left.

The surgeon sat in his office, recording his notes from the surgery,
"...damaged aorta, damaged pulmonary vein, widespread muscle
degeneration.
No hope for transplant, no hope for cure. Therapy:
painkillers and bed rest. Prognosis:
here he paused, "death within one year..."


He stopped the recorder, but there was
more to be said. "Why?" he asked aloud.
"Why did You do this? You've put
him here; You've put him in this pain; and You've cursed him to an
early death. Why?"

The Lord answered and said, "The boy,
my lamb, was not meant for your
flock for long, for he is a part of My
flock, and will forever be.
Here, in My flock, he will feel no pain, and will be comforted as you
cannot imagine.

His parents will one day join him here,
and they will know peace, and
My flock will continue to grow.."

The surgeon's tears were hot, but his
anger was hotter. "You created that
boy, and You created that heart. He'll
be dead in months. Why?"

The Lord answered, "The boy, My lamb,
shall return to My flock, for He has
done his duty: I did not put My lamb
with your flock to lose him, but to retrieve another lost lamb."
The surgeon wept...
The surgeon sat
beside the boy's bed; the boy's
parents sat across from him. The boy awoke and whispered, "Did you cut
open
my heart?"

"Yes," said the surgeon.
"What did you find?" asked the boy.

"I found Jesus there," said the
surgeon.

Author Unknown - Celebrate Jesus



Jesus said, "If you are ashamed of me,
I will be ashamed of you before
my Father."


"Yes, I do Love God. He is my source of existence and
Savior. He keeps me functioning each
and everyday. Without Him, I will be
nothing. Without him, I am nothing,
but with Him I can do all things through
Christ that strengthens me."
(Phil 4:13)












Sunday, October 18, 2009

Stratton Richard Stanush intercepts pass for Touchdown !!!!


It was a beautiful day in New Braunfels, Texas and the "Packers' were playing against the Giants.
Moving swiftly across the field, as Stratton Stanush intercepted a pass to make a touchdown, the fans went wild, jumping up and down and cheering, what excitement !!
Another win 39-6
Congratulations Packers !!

Monday, October 12, 2009

Some Good Information from John Hopkins

AFTER YEARS OF TELLING PEOPLE CHEMOTHERAPY IS THE ONLY WAY TO TRY ('TRY', BEING THE KEY WORD) TO ELIMINATE CANCER, JOHNS HOPKINS IS FINALLY STARTING TO TELL YOU THERE IS AN ALTERNATIVE WAY .

Cancer Update from Johns Hopkins:

1. Every person has cancer cells in the body. These cancer cells do not show up in the standard tests until they have multiplied to a few billion. When doctors tell cancer patients that there are no more cancer cells in their bodies after treatment, it just means the tests are unable to detect the cancer cells because they have not reached the detectable size.

2. Cancer cells occur between 6 to more than 10 times in a person's lifetime.

3 When the person's immune system is strong the cancer cells will be destroyed and prevented from multiplying and forming tumors.

4. When a person has cancer it indicates the person has multiple nutritional deficiencies. These could be due to genetic, environmental, food and lifestyle factors.

5. To overcome the multiple nutritional deficiencies, changing diet and including supplements will strengthen the immune system.

6. Chemotherapy involves poisoning the rapidly-growing cancer cells and also destroys rapidly-growing healthy cells in the bone marrow, gastrointestinal tract etc, and can cause organ damage, like liver, kidneys, heart, lungs etc.

7. Radiation while destroying cancer cells also burns, scars and damages healthy cells, tissues and organs.

8. Initial treatment with chemotherapy and radiation will often reduce tumor size. However prolonged use of chemotherapy and radiation do not result in more tumor destruction.

9. When the body has too much toxic burden from chemotherapy and radiation the immune system is either compromised or destroyed, hence the person can succumb to various kinds of infections and complications.

10. Chemotherapy and radiation can cause cancer cells to mutate and become resistant and difficult to destroy. Surgery can also cause cancer cells to spread to other sites.

11. An effective way to battle cancer is to starve the cancer cells by not feeding it with the foods it needs to multiply.

CANCER CELLS FEED ON:

a. Sugar is a cancer-feeder. By cutting off sugar it cuts off one important food supply to the cancer cells. Sugar substitutes like NutraSweet, Equal, Spoonful, etc are made with Aspartame and it is harmful. A better natural substitute would be Manuka honey or molasses but only in very small amounts. Table salt has a chemical added to make it white in color. Better alternative is Bragg's aminos or sea salt.

b. Milk causes the body to produce mucus, especially in the gastro-intestinal tract. Cancer feeds on mucus. By cutting off milk and substituting with unsweetened soy milk cancer cells are being starved.

c. Cancer cells thrive in an acid environment. A meat-based diet is acidic and it is best to eat fish, and a little chicken rather than beef or pork. Meat also contains livestock antibiotics, growth hormones and parasites, which are all harmful, especially to people with cancer.

d. A diet made of 80% fresh vegetables and juice, whole grains, seeds, nuts and a little fruits help put the body into an alkaline environment. About 20% can be from cooked food including beans. Fresh vegetable juices provide live enzymes that are easily absorbed and reach down to cellular levels within 15 minutes to nourish and enhance growth of healthy cells. To obtain live enzymes for building healthy cells try and drink fresh vegetable juice (most vegetables including bean sprouts) and eat some raw vegetables 2 or 3 times a day. Enzymes are destroyed at temperatures of 104 degrees F (40 degrees C).

e. Avoid coffee, tea, and chocolate, which have high caffeine. Green tea20is a better alternative and has cancer fighting properties. Water-best to drink purified water, or filtered, to avoid known toxins and heavy metals in tap water. Distilled water is acidic, avoid it..

12. Meat protein is difficult to digest and requires a lot of digestive enzymes. Undigested meat remaining in the intestines becomes putrefied and leads to more toxic buildup.

13.. Cancer cell walls have a tough protein covering. By refraining from or eating less meat it frees more enzymes to attack the protein walls of cancer cells and allows the body's killer cells to destroy the cancer cells.

14. Some supplements build up the immune system (IP6, Flor-ssence, Essiac, anti-oxidants, vitamins, minerals, EFAs etc.) to enable the bodies own killer cells to destroy cancer cells. Other supplements like vitamin E are known to cause apoptosis, or programmed cell death, the body's normal method of disposing of damaged, unwanted, or unneeded cells.

15. Cancer is a disease of the mind, body, and spirit. A proactive and positive spirit will help the cancer warrior be a survivor. Anger, un-forgiveness and bitterness put the body into a stressful and acidic environment. Learn to have a20loving and forgiving spirit. Learn to relax and enjoy life.

16.. Cancer cells cannot thrive in an oxygenated environment. Exercising daily, and deep breathing help to get more oxygen down to the cellular level. Oxygen therapy is another means employed to destroy cancer cells.

1. No plastic containers in micro.

2. No water bottles in freezer.

3. No plastic wrap in microwave.

Johns Hopkins has recently sent this out in its newsletters. This information is being circulated at Walter ReedArmy Medical Center as well. Dioxin chemicals cause cancer, especially breast cancer. Dioxins are highly poisonous to the cells of our bodies. Don't freeze your plastic bottles with water in them as this releases dioxins from the plastic. Recently, Dr. Edward Fujimoto, Wellness Program Manager at Cast le Hospital, was on a TV program to explain this health hazard. He talked about dioxins and how bad they are for us. He said that we should not be heating our food in the microwave using plastic containers. This especially applies to foods that contain fat. He said that the20combination of fat, high heat, and plastics releases dioxin into the food and ultimately into the cells of the body. Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic containers for heating food You get the same results, only without the dioxin. So such things as TV dinners, instant ramen and soups, etc., should be removed from the container and heated in something else. Paper isn't bad but you don't know what is in the paper. It's just safer to use tempered glass, Corning Ware, etc. He reminded us that a while ago some of the fast food restaurants moved away from the foam containers to paper. The dioxin problem is one of the reasons.

Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when placed over foods to be cooked in the microwave. As the food is nuked, the high heat causes poisonous toxins to actually melt out of the plastic wrap and drip into the food. Cover food with a paper towel instead.

Wednesday, October 7, 2009

Trenton Francis Stanush Racking Up Wins



What a night in New Braunfels with Oak Run Middle School racking up another win for their team.

Trenton Francis Stanush caught a forward pass and played with determination and confidence and gave his all for the game.

Congratulations !!!! Unicorns

Sunday, October 4, 2009

Man's Best Friend Only???


Be who you are, say what you feel.
Those who mind don't matter
and those who matter don't mind.
Dr. Seuss

Thursday, September 24, 2009

This is so cool! How do people come up with these clever ideas?




ZIPLOC OMELET

(This works great !!! Good for when all your family is together. The best part is that no one has to wait for their special omelet !!!)

Have guests write their name on a quart-size Ziploc freezer bag with permanent marker.

Crack 2 eggs (large or extra-large) into the bag (not more than 2) shake to combine them.

Put out a variety of ingredients such as: cheeses, ham, onion, green pepper, tomato, hash browns, salsa, etc.

Each guest adds prepared ingredients of choice to their bag and shake. Make sure to get the air out of the bag and zip it up.

Place the bags into rolling, boiling water for exactly 13 minutes. You can usually cook 6-8 omelets in a large pot. For more, make another pot of boiling water.

Open the bags and the omelet will roll out easily. Be prepared for everyone to be amazed.

Nice to serve with fresh fruit and coffee cake; everyone gets involved in the process and a great conversation piece.









Imagine having these ready the night before, and putting the bag in boiling water while you get ready. And in 15 minutes, you've got a nice omelette for a quick breakfast!!!





Saturday, September 19, 2009

Trenton Francis Stanush -Speed on field !!


It was a beautiful evening in New Braunfels, Texas where the Oak Run Middle School and Church Hill Middle School played a fast
competitive football game. Trenton Francis Stanush (No. 19) showed confidence and great enthusiasm for his position and helped lead his team to be the winners 14-8 Way to go Trenton ! Trenton after the win with his fans

We are all very proud of you and love you, Mom and Poppa xoxo

Wednesday, September 9, 2009

Michael Dubin Runs for his DAD !!!

Please check out this wonderful heart warming story about Michael Dubin and
how he is training to run a 26 miles marathon on November 1, 2009 to honor his
DAD.


Please support this wonderful man and
his energy for doing a very special tribute to his father.

Please click on this link
http://www.facebook.com/l/6ac59;wwwamfox.org/teamfox/dubin

Thank you and have a wonderful day and Thank God for the RAIN !!!!
Fran and Lois

Wednesday, September 2, 2009

The Chupacabra in TEXAS !!

The Chupacabra Caught?
by Mike Krumboltz
2 hours ago

625 Votes
It really does exist! Maybe! The famed Chupacabra has apparently been found, and it's a Texan.

Or at least it was. The beast is now dead, but news of its capture near Blanco, Texas inspired Bigfoot-sized searches. Lookups on "chupacabra" surged a whopping 571%, and related queries on "what does chupacabra mean" also roared. (For the record, its rough translation is "goat sucker.") The find also inspired renewed interest in the equally notorious Montauk Monster.

Jerry Ayer, owner of Blanco Taxidermy School, has possession of the mythical beast's body. According to CNN, the animal was discovered by one of Ayer's students. The student had "placed poison... to catch an unidentified animal that had gotten into a family member's barn." Little did the student know the animal in question was (maybe) the Chupacabra.

In the video from CNN (which is pretty gross, so beware), Ayers shows off some of the unusual features of the animal, including abnormally long legs and teeth. It looks a bit like the world's ugliest (and meanest) dog.

Of course, this is hardly the first time someone has claimed to have captured the Chupacabra. In years past, brave souls have spotted it in places ranging from Russia to Maine to the Philippines. Often, the animal is spotted by folks who conveniently forget to snap a photo.

Not so this time. Ayers says he plans to preserve the animal and then donate it to a local museum so it can be enjoyed by others. As the taxidermist puts it, the beast is "a tremendous conversation piece." Sort of like the Mona Lisa or a really stellar collection of garden gnomes.

Monday, August 31, 2009

SEVEN MOST OVERRATED BUSINESSES !!

The 7 Most Overrated Businesses
By Kelly K. Spors and Kevin Salwen
With roughly 6.7 million jobs lost since the start of the recession, it's tempting - and often a great idea - to launch your own business. That way, of course, you can take matters into your own hands. No more rolling your eyes at the boss; it's your show.

But many people do a lousy job of picking businesses they can realistically turn into a profitable operation.

"There's this very sad pattern about how people start businesses," says Scott Shane, an entrepreneurship professor at Case Western Reserve University in Cleveland, Ohio. "People are most likely to start businesses in industries where start-ups are most likely to fail."

The problem: Many would-be entrepreneurs are drawn to businesses they like to patronize or the ones that are cheapest and easiest to start. Instead, experts argue, aspiring entrepreneurs should create firms in which they have professional experience so they have a competitive advantage in the market.

So, what are most overrated businesses out there? We spoke with small business experts to find out. Here are seven you might want to think twice about - and then maybe twice more.

1. Restaurants. Dining out and cooking are among Americans' favorite pastimes. But "restaurants are among the toughest businesses to run," says Donna Ettenson, vice president of the Association of Small Business Development Centers in Burke, Va.

Far too many people assume their culinary abilities will lead to success in the restaurant business. Instead, about 60% of restaurants close in the first three years, according to a 2003 study at Ohio State University. That's quite a bit higher than the roughly half of all start-ups that close in the first five years.

The reason: Restaurants typically have low profit margins and need strong managers who can run an ultra-tight ship through seasonal fluctuations and other struggles. Most people don't have that kind of intense managerial ability to pull it off. By the way, the pitfalls are quite similar for restaurants' cousin – the catering business. In other words, Chef Emptor.

2. Direct Sales. It's a tempting pitch: Work from home and earn commissions by selling cosmetics, kitchen knives or cleaning products. But companies that recruit independent sales reps tend to attract new team members by pointing to the success of their highest earners.

A harder look shows that those high earners are making big money in large part by recruiting new reps into the organization and getting bonuses or a cut of their recruits' commissions, says Ken Yancey, chief executive of SCORE, a Herndon, Va., organization of current and retired business executives who volunteer time counseling entrepreneurs. The new reps then have a much harder job because they need to recruit more people on top of selling product even though the number of reps out there is increasing.

The result, Yancey says: "Most of them wind up with a bunch of jewelry or kitchen equipment sitting in their basement that they can't sell."

3. Online Retail. By far, one of the easiest businesses to start is selling items through online marketplaces such as eBay or Amazon. But as online commerce ages and these sites fill up with more established retailers, it's much harder for new, small sellers to compete for attention and generate a viable income.

"A lot of people are thinking it's the Web of five or 10 years ago and you stand out simply because you're on the Web," says Rieva Lesonsky, chief executive of GrowBiz Media, a content and consulting company for small businesses based in Irvine, Calif.

Instead, successful online retailers today must have a handle on sourcing their products at a low enough price, then layering on clever online marketing and fine-tuned logistics. These businesses won't generate much income if they can't be easily found in searches, maintain a good reputation among buyers or add enough value so that sellers can build profit margins high enough to take on bigger players and physical stores.

4. High-End Retail. Many people dream of opening a day spa, luxury jewelry store or designer clothing boutique – businesses they feel good patronizing. But specialty retail businesses close at higher rates than non-specialty stores, according to the Small Business Administration's Office of Advocacy, and are even riskier now that consumer discretionary spending has dried up and people are no longer spending money on little luxuries.

"It's going to be a long time before we return to the days of conspicuous consumption," says Ms. Lesonsky of GrowBiz Media. High-end retailers often suffer from poor locations and lack of understanding of how to source and market their products in an effective way. In today's economy and in coming years, she says, retail entrepreneurs should be looking to sell non-discretionary consumer goods or offer items at a value rather than high-end products.

5. Independent Consulting. Common advice for aspiring entrepreneurs is to stick with industries they know. So, for many looking to escape the corporate treadmill that means turning their professional expertise into a one-person consulting firm.

It seems practical – more companies are indeed relying on independent contractors and freelancers these days – but it's not as easy to pull off as many imagine, says Dennis Ceru, an entrepreneurship professor at Babson College in Babson Park, Mass. Many consultants struggle with time management problems, spending so much time scouting work that it's very difficult to earn steady income. "The difficulty many face is they go through peaks and valleys of having work," says Prof. Ceru. "When the engagement ends, they are frantically looking for work," which may take weeks or months.

A possible solution: "A successful consulting firm needs people to find the work, grind out the work and mind the work. Unless you know you can do all three yourself, you potentially expose your business to great risk."

6. Franchise Ownership. The idea of being handed a proven business plan without the uncertainties and headaches that come with building a business from scratch is understandably alluring. But too many people don't understand the risks associated with franchising and sign restrictive franchise agreements without thoroughly researching their franchisor and their contractual obligations, says SCORE's Yancey.

Some franchisors, for instance, allow franchisees to open stores too close together, oversaturating the market. Or they simply require their franchisees pay so much in royalties and fees or other operational costs that it's very difficult to be profitable. Beyond that, when a franchisee fails, a franchisor may make it extremely difficult and costly to get out of its contract.

It's a myth that franchises are far more successful than independent businesses. A 1995 study by a researcher at Wayne State University found that 62% of franchises were open for business after four years, compared with 68% of independent businesses. And franchises were also found to be less profitable in those early years.

7. Traffic-Driven Web Sites. Everybody has witnessed the success of social-networking sites like Facebook and popular blogs that generate all their revenue off advertising. But as the Internet ages, that's much harder to accomplish, says Martin Zwilling, a start-up consultant in Fountain Hills, Ariz., who specializes in helping entrepreneurs find angel investors.

Zwilling says he hears pitches for new social-networking sites about once a week, but actively deters people from starting them. "I say, skip it," he says. "You need to invest $50 million to get any presence" in the social-networking space right now and it's very difficult to get people to leave established sites. What's more, he says, the amount of traffic needed to build a lucrative traffic-driven Web site is far more than most new Web entrepreneurs realize: "Until you get to the point where you have a million page views a day, you're nowhere."


Kevin Salwen
As a reporter, columnist and editor at the Wall Street Journal for nearly two decades, Kevin wrote two columns, helped cover two presidential administrations and launched two publications (including a small-business quarterly).

An expert on the issues that matter to small businesses, Kevin Salwen advises and invests in small, growing companies. He has written about and mentored entrepreneurs, and he has built and run successful businesses. A former reporter, columnist and editor.

Thursday, August 27, 2009

Laugh Out Loud !!

A cowboy named Bud was overseeing his herd in a remote mountainous pasture in California when suddenly a brand-new BMW advanced out of a dust cloud towards him.

The driver, a young man in a Brioni suit, Gucci shoes, RayBan sunglasses and YSL tie, leans out the window and asks the cowboy, 'If I can tell you exactly how many cows and calves you have in your herd, Will you give me a calf?'

Bud looks at the man, obviously a yuppie, then looks at his peacefully grazing herd and calmly answers, 'Sure, Why not?'

The yuppie parks his car, whips out his Dell notebook computer, connects it to his CingularRAZR V3 cell phone, and surfs to a NASA page on the Internet, where he calls up a GPS satellite to get an exact fix on his location which he then feeds to another NASA satellite that scans the area in an ultra-high-resolution photo.

The young man then opens the digital photo inAdobe Photoshop and exports it to an image processing facility in Hamburg , Germany

Within seconds, he receives an email on his Palm Pilot that the image has been processed and the data stored. He then accesses an MS-SQL database through an ODBC connected Excel spreadsheet with email on his Blackberry and, after a few minutes, receives a response.

Finally, he prints out a full-color, 150-page report on his hi-tech, miniaturized HP LaserJet printer and finally turns to the cowboy and says, 'You have exactly 1,586 cows and calves..'

'That's right. Well, I guess you can take one of my calves,' says Bud.

He watches the young man select one of the animals and looks on amused as the young man stuffs it into the trunk of his car.

Then Bud says to the young man: 'Hey, if I can tell you exactly what your business is, will you give me back my calf?' The young man thinks about it for a second and then says, 'Okay, why not?'

'You're a Congressman for the U.S.Government', says Bud.


'Wow! That's correct,' says the yuppie, 'but how did you guess that?'

'No guessing required.' answered the cowboy. 'You showed up here even though nobody called you; you want to get paid for an answer I already knew, to a question I never asked.. You tried to show me how much smarter than me you are; and you don't know a thing about cows...this is a herd of sheep.

Now give me back my dog. Have a wonderful day ! Fran and Lois

Saturday, August 22, 2009

Who's Your Daddy?

Coincidence is when God Chooses to remain anonymous.
A seminary professor was vacationing with his wife in Gatlinburg , TN. One morning, they were eating breakfast at a little restaurant, hoping to enjoy a quiet, family meal. While they were waiting for their food, they noticed a distinguished looking, white-haired man moving from table to table, visiting with the guests. The professor leaned over and whispered to his wife, 'I hope he doesn't come over here.' But sure enough, the man did come over to their table.

'Where are you folks from?' he asked in a friendly voice.
' Oklahoma ,' they answered.
'Great to have you here in Tennessee ,' the stranger said. 'What do you do for a living?'
'I teach at a seminary,' he replied.

'Oh, so you teach preachers how to preach, do you? Well, I've got a really great story for you.' And with that, the gentleman pulled up a chair and sat down at the table with the couple.

The professor groaned and thought to himself, 'Great .. Just what I need ..another preacher story!'

The man started, 'See that mountain over there? (pointing out the restaurant window). Not far from the base of that mountain, there was a boy born to an unwed mother. He had a hard time growing up, because every place he went, he was always asked the same question, 'Hey boy, Who's your daddy?' Whether he was at school, in the grocery store or drug store, people would ask the same question, 'Who's your daddy?'

He would hide at recess and lunchtime from other students. He would avoid going into stores because th at question hurt him so bad. 'When he was about 12 years old, a new preacher came to his church. He would always go in late and slip out early to avoid hearing the question, 'Who's your daddy?'
But one day, the new preacher said the benediction so fast that he got caught and had to walk out with the crowd.

Just about the time he got to the back door, the new preacher, not knowing anything about him, put his hand on his shoulder and asked him, 'Son, who's your daddy?'

The whole church got deathly quiet. He could feel every eye in the church looking at him Now everyone would finally know the answer to the question, 'Who's your daddy?'

'This new preacher, though, sensed the situation around him and using discernment that only the Holy Spirit could give, said the following to that scared little boy.. 'Wait a minute! I know who you are! I see the family resemblance now, You are a child of God.'

With that he patted the boy on his shoulder and said, 'Boy, you've got a great inheritance. Go and claim it.'

'With that, the boy smiled for the first time in a long time and walked out the door a changed person. He was never the same again. Whenever anybody asked him, 'Who's your Daddy?' he'd just tell them , 'I'm a Child of God.''

The distinguished gentleman got up from the table and said, 'Isn't that a great story?'
The professor responded that it really was a great story!

As the man turned to leave, he said, 'You know, if that new preacher hadn't told me that I was one of God's children, I probably never would have amounted to anything!' And he walked away.

The seminary professor and his wife were stunned. He called the waitress over & asked her, 'Do you know who that man was -- the one who just left that was sitting at our table?'

The waitress grinned and said, 'Of course. Everybody here knows him. That's Ben Hooper. He's governor of Tennessee !'

Someone in your life today needs a reminder that they're one of God's children!

'The grass withers and the flowers fall, but the word of God stands forever.' ~~Isaiah

YOU'RE ONE OF GOD'S CHILDREN!!!
HAVE A GREAT DAY!










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Wednesday, August 5, 2009




Meaning of Flag Draped Coffin

All Americans should be given this lesson. Those who think that America is an arrogant nation should really reconsider that thought. Our founding fathers used GOD's word and teachings to establish our Great Nation and I think it's high time Americans get re-educated about this Nation's history. Pass it along and be proud of the country we live in and even more proud of those who serve to protect our 'GOD GIVEN' rights and freedoms.


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I hope you take the time to read this ... To understand what the flag draped coffin really means ... Here is how to understand the flag that laid upon it and is surrendered to so many widows and widowers.


Do you know that at military funerals, the 21-gun salute stands for the sum of the numbers in the year 1776?


Add Image




Have you ever noticed the honor guard pays meticulous attention to correctly folding the United States of America Flag 13 times? You probably thought it was to symbolize the original 13 colonies, but we learn something new every day!

The 1st fold of the flag is a symbol of life.



The 2nd fold is a symbol of the belief in eternal life.







The 3rd fold is made in honor and remembrance of the veterans departing the ranks who gave a portion of their lives for the defense of the country to attain peace throughout the world.






The 4th fold represents the weaker nature, for as American citizens trusting in God, it is to Him we turn in times of peace as well as in time of war for His divine guidance.





The 5th fold is a tribute to the country, for in the words of Stephen Decatur, 'Our Country, in dealing with other countries, may she always be right; but it is still our country, right or wrong.'





The 6th fold is for where people's hearts lie. It is with their heart that They pledge allegiance to the flag of the United States Of America , and the Republic for which it stands, one Nation under God, indivisible, with Liberty and Justice for all.





The 7th fold is a tribute to its Armed Forces, for it is through the Armed Forces that they protect their country and their flag against all her enemies, whether they be found within or without the boundaries of their republic.



The 8th fold is a tribute to the one who entered into the valley of the shadow of death, that we might see the light of day.


The 9th fold is a tribute to womanhood, and Mothers. For it has been through their faith, their love, loyalty and devotion that the character of the men and women who have made this country great has been molded.

The 10th fold is a tribute to the father, for he, too, has given his sons and daughters for the defense of their country since they were first born.





The 11th fold represents the lower portion of the seal of King David and King Solomon and glorifies in the Hebrews eyes, the God of Abraham, Isaac and Jacob.



The 12th fold represents an emblem of eternity and glorifies, in the Christians eyes, God the Father, the Son and Holy Spirit.


The 13th fold, or when the flag is completely folded, the stars are ! uppermost reminding them of their nations motto, 'In God We Trust.'



After the flag is completely folded and tucked in, it takes on the appearance of a cocked hat, ever reminding us of the soldiers who served under General George Washington, and the Sailors and Marines who served under Captain John Paul Jones, who were followed by their comrades and shipmates in the Armed Forces of the United States, preserving for them the rights, privileges and freedoms they enjoy today.

There are some traditions and ways of doing things that have deep meaning. In the future, you'll see flags folded and now you will know why.


Symbol of Freedom and Liberty !!!



MAY GOD PROTECT US ALWAYS.



ONE NATION, UNDER GOD, WITH LIBERTY AND JUSTICE FOR ALL.

Friday, July 31, 2009

Very Interesting !!!

Dating Tips: 9 Simple Things Women Want


By YourTango.com


Updated: Jul 30, 2009

Besides the meaning of life and the ingredients of hot dogs, many a man has questioned, "What exactly do women want?" We're not playing coy here, we know we're complex creatures. And, true, we operate on a different wavelength than men.
But women aren't exactly the great mystery that men often make us out to be. The proof? We polled the YourTango staff and compiled a list of 9 simple things women want. Note: you won't find diamond rings or other fancy things anywhere on this list. While many women really do want luxury goods from men, when you break it down they are just physical representations of some of the points on this list. We promise.


1. Respect. Show us through your actions that you respect our opinions, careers, interests, friends, bodies, and minds. You don't have to agree with all that we say or do, but try to honor our opinions as valuable contributions. Follow the golden rule and treat us as you would like to be treated: Be honest, fair, kind, and considerate.
2. Romance. It's another night on the couch with takeout and TiVo? Just because we're staying in doesn't mean the evening can't be romantic. Light a few candles and see where the night leads. Treat us like your girlfriend, even after we become your wife. Date nights, physical affection in the car, kissing like when we first started dating -- all of the things that made us fall in love with you don't have to stop just because now there are bills to pay, a house to be cleaned, and kids to be bathed. Bring home flowers for no reason. We're not talking $100 bouquets of roses here. Even the $10 bouquets from the supermarket are enough to make us smile.
3. Time. We understand relationships can't be all wine and roses; simply making the time to be with us and treating us like your top priority says "love" more than all the fancy gifts and lovely letters ever could. This includes helping around the house. The realities of a 21st-century relationship are that both partners probably work. If you happen to get home before we do, why not vacuum the living room or throw in a load of laundry? If you take the garbage out without being asked, chances are you'll be getting a big ole smooch when you come back.
4. Dinner. Of the homemade variety. You may not be good at cooking and you may not know how to boil water. But greeting us at the door after a long day with fish sticks (or whatever you can wrastle up) makes us swoon, because it shows that you've been thinking about us and our hectic day.
5. Communication. Women are vocal creatures. We know you love us, but it's nice to hear you say it, too. We can also be insecure. We wish we weren't, but the reality is that we often notice our wobbly thighs and forget about our gorgeous eyes. So let us know when you think we're hot. Tell us we're beautiful. It helps us feel good. Words of appreciation aren't half-bad either. Tell us you love the lasagna we made. Notice that we cleaned the bathtub. It doesn't have to be over the top, just let us know that you see the effort we put in, and you're grateful.
6. Consistency. This doesn't mean be boring and predictable. It means that we know you will (usually -- no one is perfect!) give us the love and support we need. Knowing that you're coming at this with the same desires and energy as we are goes a long way to making us feel secure.
7. Engagement. Of the mental kind, not the "I'm getting married in the morning" kind. You don't have to like everything we like (we might be a little concerned if you do), but showing interest in our passions, be it career-related, a sport, or a hobby, goes a long way. Listen when we talk to you. We're not speaking just so we can hear our own voice; we want to connect with you and this is one valuable way we do this. This also means paying attention to the little things. Whether it's the name of your best friend's husband or the fact that you hate Nicolas Cage movies, it's the little things you remember about us that's so endearing.
8. Humor and Humility. These two tend to go hand in hand. This doesn't mean that you have to crack jokes or entertain us, but just being able to laugh at yourself is enough. Guys who take themselves too seriously bring everyone down.
9. Challenge. Not the kind that makes a relationship constant work, but the good kind that surprises and motivates us to do, be, or achieve what we desire. Studies show that partners who prod each other to meet goals -- in other words, don't support lazy or bad habits -- are ultimately happier than those who don't hold each other accountable. Namaste, Fran and Lois Moran

Our Trip to the Grand Canyon




This summer we decided to enjoy some time with our wonderful grandsons, Trenton
age 12,Stratton 10. We asked our good friends of 34 years to join us, Jim and Gloria
Richardson of Albuquerque, New Mexico and their equally wonderful grandsons.
Austin, age 12 and Kros, age 10.
We had an amazing, enriching, connecting, beautiful, glorious time on this journey with these four "Little Men." Have a wonderful day !!! Namaste, Lois and Fran Moran

Watermelon Gazpacho Soup

Watermelon Gazpacho
Recipe provided by Eatingwell.com

The delicate flavors of cucumber and watermelon go hand in hand to create a sweet-and-savory chilled soup, perfect as a first course on a hot night.

Makes 6 servings, generous 1 cup each

ACTIVE TIME: 20 minutes

TOTAL TIME: 20 minutes

EASE OF PREPARATION: Easy

8 cups finely diced seedless watermelon, (about 6 pounds with the rind) (see Tip)
1 medium cucumber, peeled, seeded and finely diced
1/2 red bell pepper, finely diced
1/4 cup chopped fresh basil
1/4 cup chopped flat-leaf parsley
3 tablespoons red-wine vinegar
2 tablespoons minced shallot
2 tablespoons extra-virgin olive oil
3/4 teaspoon salt
NUTRITION PROFILE:
| Low-Calorie | Low-Carb | Low Sat Fat | Low-Sodium | Heart Healthy | Diabetes Appropriate | Healthy Weight |




Mix watermelon, cucumber, bell pepper, basil, parsley, vinegar, shallot, oil and salt in a large bowl. Puree 3 cups of the mixture in a blender or food processor to the desired smoothness; transfer to another large bowl. Puree another 3 cups and add to the bowl. Stir in the remaining diced mixture. Serve at room temperature or chilled.
NUTRITION INFORMATION
Per serving: 116 calories; 5g fat (1g sat, 4g mono); 0mg cholesterol; 18g carbohydrates; 2g protein; 2g fiber; 296mg sodium; 345mg potassium.
Nutrition bonus: Vitamin C (110% daily value), Vitamin A (45% dv).
1 Carbohydrate Serving(s)
Exchanges: 1 fruit, 1 fat

Make Ahead Tip: Cover and refrigerate for up to 1 day.

Tip: Melon selection & storage: Look for symmetrical unblemished melons, without flat sides, that have a creamy yellow spot on the bottom indicating ripeness. At 92% water, this fruit should feel heavy when you heft it. Precut melon flesh should be dense, firm and appear moist. Store in the refrigerator for up to a week or keep in a cool, dark spot. Cover the cut surface of melon with plastic wrap and refrigerate.

DISCLAIMERS
Scaling Disclaimer: EatingWell recipes are tested extensively in the EatingWell Test Kitchen. EatingWell cannot guarantee a recipe that has been scaled to make a different number of servings from the original. Also note that scaling only applies to the ingredient measurements: no adjustment is made to the recipe instructions, so pan sizes and cooking times and ingredient amounts referred to in the text of the recipe only apply to the original number of servings.

Gluten-Free Disclaimer: We have verified that these recipes do not include the following gluten-containing ingredients: wheat (all varieties, including spelt and kamut, wheat germ or bran and other forms of wheat protein), rye, barley (in all forms, including malt, malt flavoring, malt vinegar and malt extract), oats, triticale or beer/ale. However, many processed foods, such as broths, soy sauce and other condiments, may contain hidden sources of gluten. If a recipe calls for a packaged (e.g., canned) ingredient, we recommend that you carefully read the label to be sure it does not contain a hidden source of gluten.

Tuesday, July 21, 2009

NEW YORK CITY

New York City
From Wikipedia, the free encyclopedia

From upper left: Manhattan south of Rockefeller Center, the Brooklyn Bridge, United Nations Headquarters, the Statue of Liberty, and Times Square

Nickname(s): The Big Apple, Gotham, The City That Never Sleeps, The Capital of The World (Caput Mundi), The Empire City, The City So Nice They Named It Twice, The City.

Location in the state of New York
Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74
Country United States
State New York
Boroughs The Bronx
Brooklyn
Manhattan
Queens
Staten Island
Settled 1624
Government
- Mayor Michael Bloomberg (I)
Area
- City 468.9 sq mi (1,214.4 km2)
- Land 304.8 sq mi (789.4 km2)
- Water 165.6 sq mi (428.8 km2)
- Urban 3,352.6 sq mi (8,683.2 km2)
- Metro 6,720 sq mi (17,405 km2)
Elevation 33 ft (10 m)
Population (July 1, 2008)[1]
- City 8,363,710
- Density 27,440/sq mi (10,606/km2)
- Urban 18,223,567
- Metro 22,694,000
- Demonym New Yorker
Time zone EST (UTC-5)
- Summer (DST) EDT (UTC-4)
ZIP codes 100xx-104xx, 11004-05, 111xx-114xx, 116xx
Area code(s) 212, 718, 917, 347, 646
Website www.nyc.gov
New York ( /nuːˈjɔrk/ (help·info)) is the most populous city in the United States, and the center of the New York metropolitan area, which is among the most populous urban areas in the world. A leading global city, New York exerts a powerful influence over worldwide commerce, finance, culture, fashion and entertainment. As host of the United Nations headquarters, it is also an important center for international affairs. The city is often referred to as New York City to differentiate it from the state of New York, of which it is a part.

Located on a large natural harbor on the Atlantic coast of the Northeastern United States, the city consists of five boroughs: The Bronx, Brooklyn, Manhattan, Queens, and Staten Island. The city's 2007 estimated population exceeds 8.3 million people,[2] and with a land area of 305 square miles (790 km2),[3][4] New York City is the most densely populated major city in the United States.[5] The New York metropolitan area's population is also the nation's largest, estimated at 18.8 million people over 6,720 square miles (17,400 km2).[6]

New York is notable among American cities for its high use of mass transit, most of which runs 24 hours per day, and for the overall density and diversity of its population. In 2005, nearly 170 languages were spoken in the city and 36% of its population was born outside the United States.[7][8] The city is sometimes referred to as "The City that Never Sleeps", while other nicknames include Gotham[9] and the Big Apple.[10]

New York was founded as a commercial trading post by the Dutch in 1624. The settlement was called New Amsterdam until 1664 when the colony came under English control.[11] New York served as the capital of the United States from 1785 until 1790.[12] It has been the country's largest city since 1790.[13]

Many neighborhoods and landmarks in the city have become world-famous. The Statue of Liberty greeted millions of immigrants as they came to America in the late 19th and early 20th centuries. Wall Street, in Lower Manhattan, has been a dominant global financial center since World War II and is home to the New York Stock Exchange. The city has been home to several of the tallest buildings in the world, including the Empire State Building and the twin towers of the former World Trade Center.

New York is the birthplace of many cultural movements, including the Harlem Renaissance in literature and visual art, abstract expressionism (also known as the New York School) in painting, and hip hop,[14] punk,[15] salsa, disco and Tin Pan Alley in music. It is the home of Broadway theater.

Tuesday, July 14, 2009

Collect Now, or Later? Timing Your Social Security Benefits
by Tara Siegel Bernard Tuesday, July 14, 2009


Collecting Social Security as soon as you are eligible is a tempting proposition — but experts agree you should try to resist if you can.
The majority of people don’t follow that advice, choosing instead to start benefits early. Why wait to collect what is rightfully yours?

That logic may sound reasonable now. But in reality, the bigger risk is that you will live to a ripe old age. You can claim Social Security any time from age 62 to 70, but the longer you wait, the larger your monthly check. And many people come out ahead if they wait at least until their full retirement age, which is different from the day you stop working for good. For people born 1943 to 1954, full retirement age is 66, and it creeps up for younger people.
What do you stand to lose by taking benefits early? Take those who are set to receive $1,000 a month at their full retirement age. If they sign up for benefits at age 62, they will collect only $750. But if they wait until 70, they will earn extra credit and receive up to $1,320 a month — nearly a third more.
At first glance, it seems that everyone should wait until they are 70. But that is not the case. The answer depends on many factors, including when you stop working, how much you have in savings, whether you are healthy, whether you are married or single and whether your spouse earns more — or less.
It may be impossible for some households to wait because the breadwinner has lost a job or is no longer able to work. And planners agree that it is smarter to collect earlier if it will prevent you from accumulating debt.
But if you can wait, think of the money you aren’t receiving during that period as a payment of sorts for an annuity that will pay a higher, guaranteed stream of income later, if you live a long time (or at least longer than your savings last), financial experts say.

“You can’t buy an inflation-adjusted annuity for anywhere near the cost of delaying Social Security,” said Henry Hebeler, a retired Boeing executive who created AnalyzeNow.com, a Web site that offers retirement advice and calculators.
For people who choose to defer benefits until age 66, it generally takes about 12 more years to collect as much as if you started getting checks at 62. So you break even, so to speak, about age 78, according to Avram Sacks, a Social Security law analyst for CCH, a tax and accounting information service. “If you are in good health, and you expect to live to 78 or longer, then the advantage goes to the person who waits,” he says. “But that’s assuming we’re all prophets and we know what’s going to happen tomorrow, and we don’t all know.”
And that is why financial advisers recommend planning for a long life. Here are some strategies to consider before signing up.
SINGLES Figuring out when to collect is easier when you do not have to worry about how your actions will affect a spouse. It usually pays to wait until your full retirement age if you can support yourself until then. (This obviously does not apply to people who are already in poor health and probably won’t live past 78, give or take a couple of years. People who are still working should also defer.)
Though many experts will tell you to delay as long as you can, waiting from 66 until 70 may not be optimal for some singles. “The reason is that they will have consumed too much of their savings in those extra four years to be able to offset the savings loss with higher Social Security payments within their lifetime,” said Mr. Hebeler, who has also written three books on retirement. “It’s surprising, but that’s what the analysis shows.”
Consider a single person with $200,000 in savings returning 5 percent a year. Instead of taking Social Security at age 62, she withdraws $19,000 annually until she turns 66. Her savings will last until age 94, but she will still have $21,000 a year in Social Security benefits. If she claimed at 62, her savings would run out at age 87 and she would be left with only $16,000 a year in Social Security.
For people with significant savings who expect to live well into their 80s, it may make sense to wait until 70, Mr. Hebeler added.
If you have already started receiving benefits, but wish you had waited, you are allowed to give it all back and start over. But this gets complicated. You will probably have to pay back more than what you actually received each month, since Medicare premiums and income taxes may have been deducted. Married people can do this, too, but some advisers caution against it.
MARRIED COUPLES Planning is more complex for married couples because there are age differences, varying retirement dates and earnings and other factors to consider. In many cases, the higher-earning spouse should delay his or her benefits until age 70, while the lower earner begins to collect at age 62. This ensures that the surviving spouse will end up with the maximum amount of benefits for the rest of his or her life. Even if the higher earner died before age 70, the survivor’s benefits would be bumped up to what the deceased spouse would have gotten, said Lesley J. Brey, a fee-only financial planner in Honolulu.
But once the higher earner hits full retirement age, there is a way for the lower earner to potentially get a bigger check by qualifying for spousal benefits. The higher earner can “file and suspend,” or file for benefits but immediately suspend them — it is perfectly legal and allows the lower-earning spouse to get up to half the higher earner’s benefits, while the higher earner’s benefits continue to accrue.
“This is the way to get the most out of the system without jeopardizing the longevity insurance aspect, which is the most important component,” Ms. Brey said. “You want the last survivor to have the highest possible payment. However, you get cash flow, which reduces the amount you have to withdraw from other sources and you don’t have to guess when anyone is going to die.”
But if the couple can afford it, should the lower earner wait until full retirement age? “It doesn’t matter because the goal is to get the most money for the person who lives the longest,” Ms. Brey said.
Married people with similar earnings may also consider another strategy. Here, one person claims spousal benefits at full retirement age and switches to his or her own, and presumably higher, benefits later, said Alicia H. Munnell, director of the Center for Retirement Research at Boston College.
To get a more precise idea about how to maximize your benefits, go to the Social Security’s retirement estimator, which uses your actual earnings record in its calculation. (Click on “create scenarios” to how retiring at different ages affects benefits). AnalyzeNow.com offers calculators that will help determine the best time for singles and couples to take Social Security.
If figuring it all out on your own proves too difficult, have a fee-only financial planner run the analysis for you. "It is worth it," Mr. Hebeler said, "to spend the money."