The Holidays are Coming!

Be Positively Fabulous

Start now and be “Positively Fabulous!” 

You’re surrounded by it.  All the stores are full of Holiday Cheer, and Sirius Radio has had a “Holiday Songs” station since just after Halloween.  Now, they are almost here – THE HOLIDAYS.

While to some this may mean hugs and giggles, to others it can shout “Stress Alert! Stress Alert!” Whatever the message coming your way, a little MENTAL PREPARATION will help you be ready to enjoy and greet your family and friends with enthusiasm.

Here are three simple and helpful hints to make the seasonPositively Fabulous!,” one of happy memories and family togetherness.

1. Remember that YOU are in charge of your thoughts.

Yep, that’s YOU – with a choice. Listen to yourself and analyze your thoughts. If you’ve just come back from a trip, what is the first thing you talk about – the bad weather or the wonderful food? The annoying airports or the beautiful scenery? Just the order in which you mention things tells you something about yourself.

Try to rethink what you talk about. Spend more time on the good times you had; talk about something that made you laugh. In fact, try not mentioning the ‘annoying’ things that happened. I bet you’ll forget about them!

2. Surround yourself with positive people.

Now, if you find yourself stuck out on the porch with Aunt Sally, who is telling you how her arthritis stops her from having fun, try getting her to tell you something positive. Ask her about her dog. Explore what books she likes to read. Get her to talk about wonderful Thanksgivings she remembers over the years. If Aunt Sally is too negative, go get her a mimosa, drop it off, and excuse yourself to the bathroom!

3. Be nice to yourself 

Do the things you like to do. Enjoy a massage? Want time to read? Love playing with the kids? Make time to do it. Make a holiday schedule that includes things that YOU like to do. When you are happy and relaxed, it will make you much more fun to be around and tolerant of others.

I’ve stopped at three so you can now go and practice. Make time to do it, and write and tell me how it all went!

Remember: “ ‘Tis the Season to be Jolly!”        





There’s More to Retirement Planning than Talking about Finances!

Retirement Can Be Fun


Just yesterday I came across an article titled “Things I Should Have Said About Retirement Planning.” Needless to say, I thought, “Finally! Someone is going to have a discussion about the other important areas to consider when thinking RETIREMENT!”

Nope. Written by  a man who co-authored two books on retirement, the article focused on investment strategies and financial concerns that he realized he had overlooked once he retired. Though interesting to read, I was disappointed.

So … I’ve decided to write my own article that DOES discuss the other important areas to consider when thinking retirement. During retirement, there are issues and feelings that come up that aren’t all that fun – and have nothing to do with finances. It’s time to bring them out of the back room.

SIX Not-So-Fun ISSUES faced by the Soon-to-Be or Recently Retired

1 – WASTING valuable years trying to figure out who you are now that you no longer have your work identity.

2 – WONDERING why retirement doesn’t feel like you had hoped and maybe you should have remained at work.

3 – Feeling UNAPPRECIATED because you weren’t chosen to be on the neighborhood board or asked by friends to go to dinner.

4 – STRUGGLING to replace the things you thought you would do but now find you are somewhat physically limited.

5 – FRUSTRATED by family members who now think your time is best spent helping them.

6 – Feeling SOCIALLY AWKWARD at ‘senior’ activities and around friends who are still working.

Sound bleak?  Well, here’s the GOOD NEWS:  

Retirement can be satisfying, fulfilling, and just plain fun! 

Simply said, a successful retirement includes a PLAN.


                                       SPIRITUAL (values and beliefs)
                                        and yes

I can take you through this process of preparing and transitioning into the everyday of retirement life. 

You’ve probably got a nice little nest egg that you proudly view as your retirement plan.  There is more for you to consider, and a Retirement Coach can help you bypass those six not-so-fun issues and help you make wise choices.  You may even find yourself thinking of turning in your retirement notice sooner!

Call me – let’s talk. (615-500-2643)

Loretta Saff –

A Note to Dads about Their Daughters


Father’s Day has come and gone, and  I was reading somewhere that many teenage girls gave their dads this tee shirt.  Sure, it’s funny.  But please remember how really  important fathers are to their daughters – in more ways than being a money machine.

Fathers often say they don’t know how to handle girls – especially in their teenage years.  Somehow when it’s time for shopping, discipline, or unexplained mood swings Dads become unavailable – or simply perplexed.

What is there about parenting teenage girls that men are afraid of?  Is it the hormones? Is it the fact that soon they will need to wear a bra? Or is it simply that girls talk a lot and feel the need to include EVERY detail in EVERY story they tell?

Regardless of the excuses, there are a few things that dads – especially dads of girls entering their teen years – really need to put at the top of their “to-do” list:

BRAND EARLY – Your girl is what you say she is. She really does need/want/and cherish your opinion.

PROMOTE INDEPENDENCE – Encourage her to manage her money, fix things, and explore math and science more deeply.

ENCOURAGE THINKING – Ask her opinion, help sharpen her ideas. Show her that you value her intelligence.

STIMULATE LEARNING – Suggest role models for her to research; share books about successful women.

SHOW AN INTEREST IN EDUCATION – Talk about the value of education. Discuss college; share your experience in making your choice.

DISCUSS CAREER OPTIONS – Introduce her to successful women that you know. Emphasize that there is no goal too great for her hopes and dreams.

INCREASE HER AWARENESS – Discuss gender bias. Encourage her to speak out and to speak up in her every day activities.

Today’s world offers great opportunities for girls.  Dads build the confidence and determination they will need to reach their goals. Be more than an ATM!


P.S. Keep in mind that your daughter will probably choose her future boyfriends based on the role model you present. Think about that when the doorbell rings!