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Is It Going To Get Any Better?
February 15, 2007
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Midlife Wisdom For Men Issue #076, February 15, 2007

=========== TABLE OF CONTENTS ==========

· Is It Going To Get Any Better?

· Is Your Identity Safe?

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Written by Noel McNaughton Midlife-Men.com (c) copyright 2007 midlife-men.com

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If you like this e-zine, please do a friend and me a big favour and forward it to him. If a friend DID forward this to you and if you like what you read, please subscribe by visiting Midlife Wisdom for Men.

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Welcome to this issue of Midlife Wisdom for Men.

A few years ago, I was wondering whether my midlife transition (which felt to me like a journey through the underworld), was ever going to end. At least one reader wondered the same thing. Perhaps you are wondering too.

Identity theft is becoming a major problem, and I have already been a victim. I don't want to be again, so have taken some action.

There are about 1145 words in the articles in this newsletter, which should take you about four minutes to read.

Blessings,

Noel

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Is It Going To Get Any Better?

A while back I got this letter from a (now ex-) reader. It gave me pause:

Noel,
I unsubscribed because I am no longer "learning" anything.
Your site was useful for a time, but then after a while I began to question what I was reading. So this is pretty much what life is like (like it or not), and not much is going to change, except I'm going to get older. So then what?
I'm not seeing any answers to the question, So then what?
Regards,
(Name withheld)

There is no answer to the "so then what?" question in the letter above, because things are going to change. Nothing stays the same forever.

In my early forties, I quit my job, got separated from my wife (her idea, but it turned out to be a good one for me), went back to university, and eventually got into a new relationship. All stereotypical "midlife crisis" behaviour, but none of it felt like a crisis.

I thought I was all done with midlife changes.

Then my fifties came, and I lost interest in what I had been passionate about, lost energy, lost libido, lost my sense of mission, and became mildly depressed. This lasted for five years! I know men who have hit this stage in their forties, and even their thirties.

I hung in there, knowing that "this too shall pass", and it did. I am now 61, and my life is exceptionally good. The financial crisis I faced in my fifties, when I could not seem to make any business projects work, has passed. I have my energy back, and a new sense of purpose. I have heard the decade of our sixties described as like our 20s, but with money, and that is how it feels to me.

When I was on the "night sea journey" during my fifties, I began to talk to men my age, and when I mentioned some of my symptoms, many said "You too? I thought I was the only one going through that!". We men generally keep emotional stuff to ourselves, and we suffer for it.

Some of my friends went on anti-depressants such as Zoloft or Prozac, and it was very helpful to them. Some, on their doctors' advice began getting extra testosterone, which was also very helpful. But a word of advice: you can buy testosterone on the internet. Don't do it without getting a thorough medical and a prescription from your doctor first!

These same friends, most of whom are my age, no longer need anti-depressants, and although some are still taking testosterone, their lives are going much better.

If you are feeling like the fellow who wrote the above letter, and thinking "So this is pretty much what life is like (like it or not), and not much is going to change, except I'm going to get older", take heart. This too shall pass.

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ADVICE FOR THE DAY: Be nice to your kids. They will choose your nursing home one day.

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Is Your Identity Safe?

A few years ago I got a credit card bill with about $1200 worth of charges for things I hadn't bought.

I phoned the merchants who sold the goods (two computer stores - one in Toronto and one in Montreal), and asked what had been bought, and where it had been sent. They told me, and gave me an address in Vancouver, where I was living at the time.

I called the police, who said to phone my credit card company, which I did. The company took the charges off my bill, and presumably took some kind of action against the thief.

That was my first (and so far only) experience with what has come to be called identity theft. It shook me up, and I began to be more careful with my private information.

On my computer, I now have a router, which acts as a physical firewall; and software firewall; a program that scans every email, and anything I download from the net, and scans my whole hard drive every morning for viruses, worms, trojans and any other nasty little programs the geekjerks of the world employ; plus I use a program that creates complex passwords, and fills in forms and passwords on the net.

I also shred, with a confetti-style shredder, any paper that has any kind of sensitive information on it.

I recently did one more thing: I got Identity Theft Insurance.

There are articles almost daily in the major newspapers about how identity theft is becoming an epidemic. A February 13 article in the Winnipeg Free Press (a major Canadian daily), by Martin Cash says experts figure as many as one in five Canadians will become victims of identity theft in one form or another. In other articles, I have read estimates as high as one in four in the US.

There are several types of identity theft: Credit card Bank account Medical (somebody else runs up big bills in your name) Criminal (a bad guy gets caught, gives your name, skips bail, and the next time you get pulled over for a speeding ticket, you go to jail) Loans - people buy houses, etc. in your name, or transfer the title of your house to someone else and then take out a loan against it, which you end up paying off Drivers license, passport - people use your identity to do bad stuff Employment - people get jobs in your name, using your SSN or SIN, you pay the taxes Social security or SIN number - people get your pension, and other government benefits.

I don't want to be a victim of any of the above, so I bought the Identity Theft Shield from Pre-Paid Legal Services Inc.

With the Identity Theft Shield, a trained expert will work on your behalf to help correct identity theft issues you have with affected agencies and institutions, including:

* Credit card companies * Financial institutions * Credit repositories * Phonebusters * Reporting Economic Crime Online (RECOL) * Internet Fraud Complaint Centers (IFCC) * Passport Canada * Law enforcement personnel and other organizations that may maintain information about you

Fraud alert notifications will be sent on your behalf to all three credit bureaus and financial institutions when appropriate.

I also bought their Pre-Paid Legal Services, meaning I can call a lawyer any time, for anything I want (particularly useful for self-employed and small businesses because experts say we should consult a lawyer on business deals, but we don't because we don't want to pay their fees), plus get a will done for free as part of the package.

The whole thing costs me about $35 CDN per month.

Pre-Paid Legal is also a network marketing company that has been in business for more than thirty years, and is listed on the NYSE, so I signed up to be an associate.

If you are worried about your identity being safe, and want some insurance, you can get more details here: www.prepaidlegal.com, or give me a call at 1-780-432-5492.

A professional thief can assume your identity in just a few hours, but it can take years for you to restore your credit standing. I don't want to take that chance.

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Actual Newspaper Headline: "Drunk Gets Nine Months in Violin Case"

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I do this newsletter and host the www.midlife-men.com website as a service to other men, and am happy to do so. Just the same, it costs some money, and if you would like to make a small contribution to help with those costs, I would really appreciate it. If you would like, you can make a donation at: http://www.midlife-men.com/donation.html

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Wouldn't it be great to work less and play more golf? I do not of a better way to earn a part-time income, than a simple information Web site. I encourage you to check out http://passion.explore-sbi.com. You'll be amazed at how you can turn YOUR hobby into online income.

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The Mankind Project

The ManKind Project® offers trainings which support men in developing lives of integrity, accountability, and connection to feeling. Our trainings challenge men to develop their abilities as leaders, fathers, and elders as ways of offering their deepest gifts in service to the world.

The ManKind Project's New Warrior Training Adventure® is an intense, transformative men's initiation which invites men to forge a deep conscious connection between head and heart. The NWTA offers men a powerful, challenging opportunity to look at all aspects of their lives in a richly supportive environment.

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Got your copy of Picking Up The Burning Feather yet? It will help you on your spiritual journey.

Just go to Picking Up The Burning Feather: A Spiritual Guide For Midlife Men.

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Just For You: A Free Do-It-Yourself Retirement Planning Report

If you are a new subscriber to this newsletter, you will recall I promised you a link to a secret page on the Midlife Men's site where you can download a free 27-page report on 'DIY Retirement planning' by George Slater.

Welcome to the newsletter, and for your free report, go to: DIY Retirement E-Report , and follow the instructions.

Enjoy!

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I Need Your Questions and Feedback!

Got comments? Questions? I'd love to hear from you.

Just email your suggestions and/or questions to noel@midlife-men.com . I look forward to hearing from you. And thanks.

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Well friend, that's it for now. Again, if you enjoyed this and/or found it useful, and know of anyone else who might like it, please pass it forward. And if you have questions or recommendations, I would love to hear from you.

All the best, Noel

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