File this in your library under “Business Opportunities”.

Grape-Nuts are not really made from grape seeds are they? 

In fact, there are no parts from grapes in the cereal, and grapes don’t even have nuts, they have seeds.

  

So why would they claim that’s what they are? Nuts or grape seeds, either way they are not from grapes.

That’s false advertising in my book, and we have been eating them most of our lives under this purposeful false and misleading claim.

Anyone with me for a class action lawsuit?

Baby Boomers Discovering Wine Country!

by Tom Hays

It’s not as if baby boomers aren’t acquainted with drinking, partying and having a good time. But as they are entering mid-life, many of them are discovering the joys of fine wine. Wine is an acquired taste, more valued for the nuances of its flavors than beer, which was the boomers’ choice to be chugged in great quantities at a frat party or ball game.

Now that they are older and somewhat settled, the mid-life baby boomers are discovering a variety of new tastes, including food and wine. That discovery has led many of them to want to learn more about the gracious lifestyles found in the prime wine growing regions of the world.

Wine tastings, tours, and visits to Wine Country are increasingly leading to the purchase of a second home or a retirement home in the vineyard regions. A simple lifestyle, based on fresh, locally grown foods prepared by excellent chefs, paired with delicious wines, and presented in a beautiful, small village or country atmosphere is a powerful magnet to the boomer who is entering the second half of his or her life. And for those who are not quite ready to move to Napa, Sonoma or Tuscany, many are ordering food, wine, cheese and other items from Wine Country over the internet to bring a bit of the charm, tastes and treasures to their own life.

Up-scale real estate continues to hold value in Napa Valley and other wine regions. Most have strict ordinances controlling conversion of vineyard land to housing development, keeping the idyllic rural atmosphere that people are seeking in their Wine Country dream home. That bodes well for the future housing prices in these desired areas, in spite of housing downturns in other parts of the country.

Those mid-life baby boomers who can are buying now. Those who can’t are buying as much of the lifestyle as they can, either on visits to Wine Country or over the internet from websites such as http://www.winecountry2go.com.

I Need How Much To Retire?

by Tom Hays

I've flunked "Retirement 101" four times. Maybe I just wasn't paying attention. Maybe I have a low boredom threshold. I have plenty of hobbies and I enjoy all of them. But maybe when I am trying "retirement" I have too much time to think about what "might" occur in my future instead of what "is" going on at the moment.

I think about my father, mother and all my other ancestors who lived to very ripe old ages. I can see the financial world changing every minute, the cost of living increasing and the cost of medical care spiraling onward and upward. With only a "comfortable" sized nest egg, it is enough to scare anyone to an early grave!

Point is, I'm just not sure how much is enough. In a perfect world, my wife and I would spend our last dollar on the day we passed on. But, no one can tell me when that will be, or what our cost of living will be between now and then. And, heaven forbid, one of those illnesses comes along later in life that creates huge medical expenses and long-term care costs.

I may have enough. Several times in the past I have thought I did. But each time I eventually realize I have no idea how much of a nest egg will be enough to sleep comfortably every night. (I'm sure Bill Gates does not have this problem.)

So, I go back to work, and I feel better physically and mentally. Besides, making money is fun. I enjoy the game!

Give me your thoughts.