Over 50 And Broke

Life Has Taken Me In Another Direction

2019-12-10T14:37:00.000-05:00

After losing my mortgage business at the age of 57, life did not seem to hold much promise. Especially after also being evicted from my apartment and having my car repossessed. No money, no business, no car, no income, no nothing. Needless to say, it was not exactly the high point of my life, and gaining 50 pounds didn't help matters either. But I managed to reinvent myself with an internet business. I also started writing motivational articles for on-line publications, and holding seminars, you can read my entire story here.

Now at age 67 life has taken me in a different direction. I now show people who are in their Golden Years how to achieve a Happy & Healthy Lifestyle. Health seems to become more important as we age, with health comes happiness.

Sometimes achieving a happy and healthy life takes a little effort, especially as we age. As we enter our Golden Years life hits us with ailments we never had before, we all remember our parents getting them, now we get them. Little aches, little pains a grunt here a groan there, but most of these things can be alleviated, that’s where the effort part comes in.

There are certain things that we must do as we age to make sure that we can continue certain activities that we enjoy, like playing with our grandchildren. Things like keeping muscle tone so we can lift and throw them in the air and have enough strength to catch them, and not getting out of breath as we take them for a walk.

Growing old is not a bad thing, but growing old and being sickly and not being able to do the things that you enjoy and make you happy is. I’m not saying that you have to turn into Arnold Schwarzenegger, but you want to be able to open up a jar when your grand-daughter comes to you because she can’t.

Nothing is more important than maintaining youth and vitality. And maintaining fitness is a way to contribute to that. That is why I started my blog, The Healthy Golden Years. We all reach a time in our lives when we wake-up look in the mirror and say “When did I get this old?” It happens to us all; I know it happened to me. When we reach that point we start to realize that we better start taking better care of ourselves, I did and that’s the reason I made up my mind to start taking better care of myself and started to show others the way to a happy and healthy lifestyle.

I Now also offer a Free Health & Fitness Course for the more serious mind. Sign-Up Here And Start Your Way To A Happy & Healthier You.

The Golden Years

2019-12-09T13:25:00.000-05:00

Are you in your golden years? Or maybe you are approaching your Golden Years and don't know what to expect. Well here is a must-read for you.

Here is a sneak peek and humorous look at what you can expect when you hit those supposed golden years.

This book is a collection of jokes, pictures, quizzes, sayings, and personal stories from the author and all-around fun stuff.

And best yet it is absolutely free, that's right, a free gift from me to you.

What you'll find inside:

1. A Test

2. A Look-Back

3. The Golden Years

4. You Find Yourself Doing Things

5. Sex?

6. I Just Don’t Understand

7. The Green Thing

8. Retirement Community

9. Baby-Boomer Game

10. Time To Medicate

11. Where Did Everyone Go?

12. That’s Right, Just Ignore Me

13. I Would Hate To Grow-Up In Today’s World

14. Eat & Drink

15. Perks Of Entering The Golden Years

16. Retirement

17. A Time Gone By

18. Do You Remember?

But it will only be available for a short time so make sure you get your copy today.

"I Guarantee 100% Privacy. Your Information Will Not Be Shared".

Click The Golden Years To Be Directed To Your Free Copy

How I Lost Everything And Got It Back Again

2019-12-08T13:58:00.000-05:00

For six years I owned a mortgage company in South Florida. Business was good, I was making good money and I was riding the wave of the Real Estate Boom. And my plan was to ride the business all the way to retirement, because everything I was reading from the trade journals and just the news, in general, all said the same thing. That for the next 20 years South Florida is going to be a boom for Real Estate, because of all the baby boomers retiring and moving down here. So I figured I was set. My plan was to retire in 15 years, the boom was going to last 20 years, so I had nothing to worry about. That was 2009.

All of a sudden I got hit with the sucker punch, BAM, we all know that as the housing meltdown. Now I went from doing 4 to 5 loans a month to doing 5 to 6 loans a year. Needless to say, my finances went right down the tubes. But my plan was to keep the business going until the market came back. But that was my plan anyway. I did what I needed to do to keep the business afloat. I had money put aside that I was using to keep my head above water. I was squeaking along trying to hold everything together when I got hit with the second sucker punch, BABOOM, and that was when the Federal Government in its infinite wisdom decided to put a ton more regulation on top of the ton of regulation that was already in place. With that the little guy just can’t survive, so that was the final nail in the coffin. So myself and the two people who worked for me were left out in the cold. And since I was self-employed I couldn’t collect unemployment. What made matters worse I used all my money trying to keep the business going, so I could no longer pay the rent, and I was evicted from my apartment, what made matters worse, I had my car repossessed. So there I was 57 years old no place to live, no business, no job, no income, no money no nothing. Needless to say, it wasn’t exactly the high point of my life.

What do I do? What would you do? Well, I did something I never thought I would do and really didn’t want to do, but I was left with little choice. I put my tail between my legs and called my x-wife. (how humiliating do you think that was?) but we were always on friendly terms so she said I could stay with her until I got back on my feet. She would never admit this but it worked out pretty good for her as well. At that point, I became like a live-in. I made sure dinner was on the table when she got home, I kept the house neat and did the chores that needed to be done. So you can see she made out O.K. but like I said she would never admit it.

There I was sitting in my x-wife’s house, and I started to do the things I needed to do to develop an income. I started to call old contacts to see if there was anything happening in the industry, I was on all the job search sites and sent out a ton of resumes. I did all this and got back a lot of nothing. So it didn’t take me long to realize that it might be because of my age. I faced the fact that at my age not too many people are beating down the door to hire me, so I decided I had to do something on my own to generate an income. I knew I had to stay productive, I didn’t want to get caught up in a routine that so many unemployed people do when they are out of work for a long period of time, which is they get up, turn on the T.V. and that’s it, that’s all they do for the rest of the day. I didn’t want to get caught up in that, so at 9am the T.V. went off and I jumped on the computer to do my searches. I have to admit half the time I didn’t know what I was searching for, but I had to stay productive. I just want to bring up a point. You would think because I had the mortgage business that I was a wiz on the computer. Couldn’t be farther from the truth. At that point, the only things I knew how to do on the computer was to fill out a loan application, print it, send e-mails and play solitaire. That was the extent of my knowledge on the computer.

On one of my daily searches I ran across this header that caught my eye, it said THE SECRET, HOW TO ATTRACT WEALTH. Being in the situation I was in it drew me in like a magnet, so I clicked on it and it turned out to be an old Oprah show. She had a guest who was explaining how we all have the ability to attract wealth as long as we do certain things a certain way. I think I read it about 5 or 6 times and I said to myself this makes sense, a lot of sense. So I called my sister and hit her up for a couple of hundred bucks so I could invest in the system, which I did. After a while, I was amazed at how much better I started to feel. My confidence level started to come back, I started thinking clearer and was more focused and for the first time in a while, I started to realize my future wasn’t as black as I once thought it was.

Now that I was facing things with a positive attitude I knew I had to take control of my life and generate my income because I was getting nowhere with my job searches. And I wasn’t about to go to work at McDonald's and have some 17-year-old snot nose manager tell me how to flip the burgers. Since I was sitting at home and had the computer some kind of home-based business was the only thing I could do so I started to do my research. I found out that there are over 2 billion dollars spent online every year and it is expected to double within 5 years. Now that is a hell of a lot of money and I said to myself I need to get in on the action. I’m not looking to be Donald Trump, just slice me enough to make 50-60k and I’m O.K with that.

So I jumped in headfirst and put all my efforts into starting an Internet business. At this time I knew nothing about how to navigate around the computer, and it turned out to be the most frustrating and aggravating time in my life. Now I know the true meaning of the saying “you can’t teach an old dog new tricks.” It was really hard, but because I was thinking about the positive side of things and was focused I stuck with it. Although I have to admit there were days I wanted to put my fist through the monitor, remember I was sitting on that computer between 6 – 9 hours a day so sometimes it got to me.

I got to the point where I figured I knew enough to put up my first website, it took me 4 days to put up. Which is really a long time considering how it takes me half an hour to put one together. But I was proud as I can be, remember I went from not knowing anything about the computer to putting up a website. I’ll be honest with you here, as I look back it wasn’t very good, as a matter of fact, it sucked but at the time I was proud as I can be. After a little more trial and error and some tweaking, it was ready to be published on-line. After a short time, I received my first check for a grand total of $34. It’s not a type-o $34. Most people might have thrown in the towel after all 8 months have gone by and all I have to show for 8 months of aggravation and frustration is a check for $34. But I was thinking on the positive side of things and was really focused so that $34 check actually got me excited. I remember thinking wow you can really make money at this and it gave me the incentive to keep going. I remember thinking if I can make $34 I can make $334. I remember when my x-wife got home that night I showed her the check, she looked at the check then looked at me then looked at the check again then again at me and said: “you’re never getting out of here are you?”I have to give her credit that was the first time in all those months she ever said anything. But I was focused, so I kept going. Soon after that, I received a $75 check than a $125 check than a $200 check. $200 doesn’t sound like a hell of a lot of money, but you have to remember for all those months I was totally broke, I really mean dead broke so to all of a sudden have $200 I was on cloud nine.

So now I had money coming in, I had a positive mental attitude things were looking good, that is until I looked in the mirror. After months of just sitting in front of the computer, I had put on 50 pounds. I immediately went on a very strict diet of nothing but salads. I also knew I had to start exercising. Although I had money coming in I didn’t feel I was making enough at that point to spring for a gym membership. Overall those months of having no money, it’s easy to become cheap. You know cheap is a harsh word, let's call it being frugal. Anyway, I was really self-conscious about my appearance and I didn’t want to be seen by anyone. So I went over to Wal Mart to find something I could use at home. As I was walking up the aisle an exercise ball caught my eye. Well, let me be honest here it wasn’t the exercise ball but the price tag under it. Remember I was frugal, it was the price tag of $18 that caught my eye, the ball just happened to be above it. So I bought it and took it home.

When I got the exercise ball home I developed a routine of my own, I called the routine Over 50 And Having A Ball, a play on words. I used it for half an hour in the morning and half an hour at night.

At this point, things couldn’t be going better. I had 3 websites up generating income every month, I had a positive attitude about everything (even my X ) and the weight was coming off. After a long time, life was good again. At this time I was also following a fitness blog and me and the owner of the blog were e-mailing each other, he told me his story, I told him mine. One day he e-mailed me and said I should think about starting my site with my story because there are so many people out there in the same situation that I was in and that I might inspire and motivate some to take their lives back. After I thought about it for a while I thought it was a good idea. That’s when I got the idea for my site Over50AndBroke.com, the rest is history. I now enjoy being an author, public speaker, and trainer.

*As a happy side note, after I moved in with my x-wife we realized that we still loved each other and we've been together ever since. You never know how life is gonna turn out.

But now life has taken me in a new direction. I now show people how to stay happy & healthy in their Golden Years. It's never too late to start.

Follow My Blog Here.

Are you looking for an internet money making opportunity that offers free training, then just click here.

Hitting The Tri-Fecta Of Life

2019-12-07T10:47:00.000-05:00

A Healthy Mind, Body, And Pocket

(A Light-Hearted Look At Achieving Happiness)

Special Price $4.99

Click The Book

Benjamin Franklin said many years ago, “Early to bed and early to rise, makes a man healthy, wealthy, and wise,” maybe that was true in the 1700’s, but now a day it takes a lot more than just going to bed early to achieve the same results that Mr. Franklin wanted to achieve. Mr. Franklin wanted to be healthy, wealthy and wise, I find that having a healthy mind, body and pocket is the thing to achieve today, although it basically means the same thing, you cannot achieve it today just by going to bed early and getting up early, although it doesn't hurt.

As of this writing, I am sixty-two years old and it took me losing everything I had to learn that lesson. Like many, I always thought that having money would make me a happy person, but money does not necessarily mean happiness, although it definitely helps the situation. Although my number one goal after losing everything was money, I found that just pursuing money in life was an empty life.

The last time I went for a check-up the doctor said, "I very rarely see people your age in such good shape,keep doing what you are doing." So, I guess I must be doing Something right and everything I do, I put in this book.

Jerry P: "I have read all of Chris's books, his sense of humor is second to none. I laughed and learned throughout the book, especially the healthy body chapter, I love this guy."

Evelyn: "I found this book very entertaining, his views on dieting left me in stitches. His views are out of the main stream, but like he says in the book, it worked for him , it could work for you. enjoyable read.

Jason S: "I think everyone would enjoy this book, whether you are broke or not. His outlook on life is very refreshing. I recommend it."

Margret L: "The author does not follow the mainstream views, his outlook on dieting, attitudes and life in general is refreshing."

June: "I can't think of a better book for motivation, it truly helped my mind, body and pocket."

Age Should Never Be An Excuse For Not Succeeding

2019-12-05T11:36:00.000-05:00

Chris Vaca's Long-Awaited Book Is Finally Here

For those of you who have been waiting, well wait no more, my book that tells the whole story of how I lost everything and what I did to get it back is finally here. I will tell you everything step by step of what I learned in the two years it took me to go from dead broke to where I am today. Some of the things that I cover in my book are:

Intro: This book is being written for those of you who have ever uttered the words "I'm too old to do that" or "I'm too old to start something new" or any other phrase that contains the words "I'm too old" or "at my age."

Over 50's hit the hardest: The harsh reality for baby boomers and what they are facing during the current economic situation. For those over 50 the jobless rate has doubled since the recession began and the older you are when you lose a job, the harder it is to find a new one.

Do we really know what success is?: Describing the different meanings of success, it is different for each individual. Do not base your success on what other people say it is, although success is different for everyone, the steps to get there are the same for everyone.

Don't be afraid of the F word: Explaining the importance of failure on your way to becoming successful. Without failure, there can be no success. Success is the ability to go from one failure to another with no loss of enthusiasm.

I will cover this and so much more. Stop sitting around feeling sorry for yourself, take control of life and your future, this book will show you how. What I wrote in this book worked for me, there is no reason it will not work for you.

"The Secret Of Getting Ahead Is Getting Started" - Mark Twain

Click The Book

If You Want To Achieve A Healthy Mind, Body, and Pocket, This Book Is For You

F. Rossini: "Inspiring and honest. The author doesn't claim to know everything but tells his story with humility and this is what made me start MY new beginning."

Valerie: "The author of this book has a story that is both inspirational and motivating he seems to have a writing style of his own which has you believing that he truly believes in what he is writing. I also like the way he adds a little joke at the end of every chapter, even though the entire book has humorous overtones. I recommend this book if you want to feel good about yourself and also learn something about yourself. Thumbs up on this one."

Sandi Krouse: "I enjoyed this very much. Chris's story is real and while he doesn't sugar-coat the subject, he offers real hope to people of all ages who find themselves at a crossroads in life. Very inspirational story.

Billy Cofer: "I look in the book review section of the paper each Sunday for a local author's book. When I downloaded this I never put it down. The references to Dale Carnegie, Napoleon Hill and the like gave it a nice touch. I plan to put the P. M. A. into use. I feel better about life already. Thank you for your honesty, humility and down-to-earth good advice. I also appreciate your reference to God's work in your life. Again, thank you"

Jerry P: "This is truly a motivating and inspiring story, the author has a unique way of writing and it feels like he is telling his story directly to the reader. I think this book will help people of any age to better themselves. He is an inspiration."

Sandy J: "I am 37 years old and I found this book a tremendous inspiration, no matter what your age we all need help as we go through life and this book will do it for you, five stars, a must-read if you need motivation."

John L: "A very honest and sincere story, His is a writing style I can relate to."

Tammy: "This is another book I am adding to my motivational book collection, very inspirational story."

Bobby Duncan: "Inspirational and encouraging. A down to earth practical guide to "getting your head straight" and developing PMA. Does sugar coat or gloss over the need for effort, commitment, and persistence. Reminds us of the difference between simple and easy."

Media & Books

2019-12-04T09:53:00.000-05:00

REMEMBER AGE SHOULD NEVER BE AN EXCUSE FOR NOT SUCCEEDING!!!

*Featured twice in local paper Stuart News

*Featured on local T.V. channel 12, West Palm Beach
*Featured in The Experience Project
*Featured in Shoe String Venture Magazine
*Featured in Advantage Age Magazine
*Featured in The Boomer Cafe Magazine
*Featured on The One World Initiative
*Guest on Bakersfield's First Morning News KERN Radio News Talk 1180
*Guest on Insane Government Talk Radio 99.3 Fm
*Guest on WPSL Talk Radio 1590 AM
*Guest on Today's Entrepreneurs Radio
*Guest on Business Matters Talk Radio
*Guest on Boomer And The Babe Radio Show
*Guest on Dresser After Dark/w Mike Dresser Talk Radio
*Guest on Mind Your Own Business Talk Radio WLOB 1310am
*Guest on WCHS Radio 58 Sports Talk Radio/w Dave Weekly
*Guest on Who You Calling Old Talk Radio
*Guest on Journey To Success Talk Radio.
*Guest on Geraldo Rivera news Talk Radio 77 WABC
*Guest on The Real Success Show on WLKF 1430 Am - Twice
*Guest on Sharing Success Stories/w January Jones
*Guest on It's Your Life With Dr.Tim Brunson 1450 WDNG Talk Radio
*Guest on Thoughts Make You Wealthy Radio w/ Richard Levy
*Guest on Jeff Steinmann, How to Quit Working Show
*Guest on Don't Box Me In with Lana Reid
*Guest on The Real Side with Joe Messina
*Guest on The Douglas V. Gibbs Show AM Radio on KCAA
*Guest on Source Of Wealth Radio/w Gwen Green
*Guest on Help! My Mid-Life Sucks Radio/w Lori Dean - Twice
*Guest on Join Up Dots with David Ralph, Englands Finest
*Guest on The Awesomeness Show with Justin Stratton

My Books:

Hitting The Tri-Fecta Of Life (A Healthy Mind, Body And Pocket)

Age Should Neve Be An Excuse For Not Succeeding

Are The Golden Years Really Golden

What Kind Of Society Are We Leaving Our Kids

Real Men Eat Salami

America A Society Gone Wrong

Kylee & Me (The Story Of A Reluctant Grandfather)

Florida: A Nice Place To Visit But Please Get Me Back To New York