Think About Tomorrow

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Hafiz's parents gave their life savings to buy Hafiz a safe passage to Europe; his journey has been anything but easy. Then he meets Stevie As Stevie and Hafiz's friendship grows, they encourage each other to believe in themselves and follow their dreams. I absolutely loved every page.

I wanted to keep reading and never stop, Even though I am not a refugee, I am an immigrant and Muslim too. I could relate to Hafiz on so many levels.

I loved the characterisation and the fact that the author portrayed Hafiz accurately, taking in even the minute details of his background into account. It had me teared up on so many occasions and that's saying something because books rarely make me emotional. I would highly recommend reading this book. This lovely book deals with some dark stuff - poverty, bereavement, the refugee experience, mental illness, bullying.

The searing truth of what's happening to Hafiz and to Stevie breaks your heart but Siobhan writes with such a light touch - and there's humour and music and chips and Brighton Pier. When you read this, it will break your heart and then put it back together again stronger and full of love.

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Only by changing your thoughts your life would change for the better. Are you satisfied with your thoughts? Do you like what you think every day? Stop letting your current negative thoughts shape your future. You need to replace these thoughts with better and more positive thoughts. This will not happen overnight. This process that will take time, but you will eventually rise above your current mindset, and gain the power to shape your life. You might agree with what you read just now, but will take action, or continue thinking limiting thoughts and keep creating and creating the same situations, problems and worries in your life?

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Take the first step today, right now, and look at your thoughts. Be more aware of your thoughts, and you will most probably discover that you are limiting your thoughts. You think about your current circumstances, current life, current job, and current financial situation. The next step would be to think bigger, find out what you really want and how you want your life to be, and start thinking of this as something possible and attainable.

Two of the most helpful techniques for changing your thoughts and changing your reality are affirmations and visualization. You need to tray them, if you never did before. I have written about these two techniques in many of my articles. If you want to make real and positive changes in your thinking and in your life, I highly recommend reading the books Visualize and Achieve Your Dreams and Affirmations — Words of Power. These are much more than books. They are guides with all the necessary instructions and advice you need for changing your mindset and learning to think big and beyond your current circumstances.

Your future lifestyle should be estimated, and your expected income from investments and retirement plan benefits should be known. Retirement is right around the corner.

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It is never a bad idea to review Social Security and Pension Benefits. Rules can change and data can be entered incorrectly. Go through your benefits statements with a fine tooth comb to check for errors and correct as necessary. Make sure the benefits you were expecting to receive match the current rules.

Examine the risks and benefits of LTC, get cost estimates and learn the various alternatives, so that you can make an informed decision. When it comes to planning: Are you going to take a lump sum payout or monthly payments? Are you going to take Social Security as early as possible or delay for a bigger monthly benefit? What is your investment strategy? What will be your asset allocation during retirement? Are you going to purchase fixed or fixed indexed annuities, or accept the risks of fluctuating investments in hope of a higher return? When you get to the home stretch of retirement and you see light at the end of tunnel, you can dust off the golf clubs and get the beach towels ready, STOP!!

Make sure you are organized and have tied up all your loose ends.

Think About Tomorrow - The Ethics - HQ

Finalize Your Withdrawal Strategy: When the time comes to replace your paycheck by withdrawing assets, where will the money come from? How much income will you need each month?

Here's what the folks in Tallahassee think about tomorrow's game …

What are your sources of income? You want to have the answers to these questions before your paycheck ends. Finalize Health Insurance Coverage: Get up to date quotes for any supplemental coverage to Medicare or transitional coverage until Medicare kicks in. Complete Any Rollovers: Rolling over a workplace retirement plan to an Individual Retirement Account can take anywhere from several weeks to a couple of months. Glaze: Sift confectioner sugar into large mixing bowl. Add water, vegetable oil and gradually add lemon juice until mixture is running from large whisk; if too thick, you may need to add extra lemon juice or water until mixture is a good consistency for dipping muffins.

Add the zest from 3 lemons and whisk. You may want to check the consistency again right before dipping to make sure runny enough.

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Combine cake mix, pudding mix, eggs, oil, lemon juice and blend well with electric mixer until smooth, about 2 minutes. This batter is thicker than cake batter. Whisk in lemon zest. Use a small melon scoop 1 Tbsp vol : fill and release into muffin tin wells.

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I bake one pan at a time so I have plenty of time to get 1st pan glazed before 2nd finishes baking.