Two beautiful people who are celebrities just had a baby. I wish them well. What made me even write this blog was the astounding amount of money they were paying for their leased home $22,000 a month.

Yes the house is lovely, but I am old and have made mistakes that they may never have. I just wanted to give some advice. I know that all the mistakes I made maybe a help to the young people. Youth they say is wasted on the young and the reason is they have not had to face any disasters yet in their lives when it comes to money. They think they will always be in the young zone, and they don't think of the boring part of life, like food, housing, and future money. Life seems so great and nothing could happen! Well it does.

If you are spending $22.000 a month on a house it might as well be a mortgage. With a mortgage you are not throwing your money away but putting it toward your own home. There is also the chance that you will not always have a job. While you do, save and make a future so you do not have to worry about your family. Be sensible and buy what you can afford. Then work up to bigger and better. If you have the money now maybe you can buy a home without a mortgage. What peace of mind there is when you do not have a mortgage it may not be the one you want but you have a roof over your head and you can always look forward to bigger and better.

You have a new baby so I would get the Gerber life insurance for the baby that will pay for University, just in case work has been slow. That will be one worry that you do not have to think about.

Remember life has a way of kicking you in the butt, and there may be a time when you do not have a job and so with a roof over your head and no mortgage life would be easier. Having to pay rent would be another burden. If you have a mortgage make sure it stays the same rate through out, don't be swayed in any way or you could end up with a huge mortgage and no money to pay it.

Life is wonderful and when I was young the first home I had was an apartment with nothing in it and my husband worked on the rigs. He was home for 3 weeks and away for 4. It was the most wonderful time of our lives buying second hand furniture and making it our place. We lived right by the sea in England, and after 32 years we are still together. Every new chapter is a new memory.

Youth now speed through life and want want and end up with nothing. George Clooney bought his house in Italy and paid for it cash down. He said if his work all came to an end at least he would have somewhere to live.

Ed McMahon the side kick of Johnny Carson show was in his 80's and was not able to pay his mortgage. I find it hard to understand that he would still have a mortgage. Donald Trump stepped in and he lived in his house until he died at the age of 86. Here are some celebrities that went through bankruptcy, and some managed to rise above it and make good. It is not a sin to be bankrupt it is a learning process. Latoya Jackson ,George McGovern, Randy Quaid, Kim Basinger, Toni Braxton, Francis Ford Coppola, Tia Carrere, Bjorn Borg, Tom Petty's, Debbie Reynolds, David Crosby, Zsa Zsa Gabor, Michael Jackson , Cyndi Lauper, Natalie Cole, Larry King , Gary Coleman, Nicolas Cage.

Don't be one of them. Money comes and goes but bills always remain. You can have it all if you plan for it, and don't give you money to people who rent, and make sure you know where your money is going never let other people sign for you when it comes to paying out .

Rachel Zoe and Rodger Berman I am excited for your life together and all the wonderful times you will have if you only look at the needs and not the wants. Yes you can have wants when you can pay for them. Love Suzy

Susan Oliver

My Real Estate Wealth Version 2







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New York has always been the favorite hub of individuals who are highly educated in fashion and always on the lookout for edgy wear. So while the fashionistas shop for expensive designer clothes and accessories, the state's elderly and disabled folks suffer New York long term care costs.

Receiving long term care (LTC) in New York is like buying an expensive item with a heavy heart. Did you know spending one day in a private room of a New York nursing home is like buying a Marc Jacob handbag? And did you know that when a Rachel Zoe dress goes on sale its price tag drops a few dollars lower than the average daily cost of a home health aide?



Perhaps the only difference between buying designer goods in New York and receiving long LTC is the fact that the former is controllable while the latter is inevitable. Everybody grows old and eventually weak so there will come a time when one would require assistance with his everyday activities such as bathing, dressing, eating, and moving about the house to name a few. Unfortunately, a home health aide in New York charges an hourly rate of $22, on average, according to Genworth Financial.

Home health aides provide hands-on care. They assist elderly or disabled people with their activities of daily living (ADL) such as those that were mentioned prior to this paragraph.

In New York it's not only people who are living alone that acquire the services of a home health aide. There are many senior New Yorkers who are living with their adult children and yet relying on a home health aide because their kids are busy at work during the day.

Meanwhile, an individual who is living by himself has no choice but to acquire homemaker services apart from home health aide services and pay additional $20 per hour.

It's easy to imagine family members taking turns in caring for an infirm or disabled loved one. In the real world, though, once an individual depends on his relatives for his LTC needs he is not only subjecting himself to mediocre services but depriving his loved ones of living normally.

New York Long Term Care Costs

There are many ways to prepare for the cost of care in New York no matter how unreasonable it may seem. It's just that people have to start planning early, not when they are just two years away from potentially needing LTC.

According to experts, even the healthiest person can figure out his future health care needs if only he takes time to visit his doctor. Aside from undergoing health assessment, the cost of care should also be of utmost concern to everyone living in New York because 18 years from now the cost of care is expected to quadruple.

When that time comes, New York long term care costs will definitely be a bigger topic than the veritable figures on the fashion scene.

For assistance with their LTC plans, New Yorkers can contact a financial planner or a licensed LTCI specialist in their area.





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Angel Dear, Little Giraffe and many more. The online boutique offers free shipping for all orders over $50. Barefoot Dreams Hello Kitty Blankets are part of the new, summer 2012 line.

Annette Cook founded the Barefoot Dreams Company in 2004, based in Malibu California. Since its humble beginnings, the brand has quickly grown to be one of the leading competitors in baby blankets and baby gifts.



Hello Kitty are trademarks of ©1976, 2012 SANRIO CO., LTD.">Calabasas, Calif. 4 June, 2012. The iconic Hello Kitty is known around the world. Originally aimed at children, Hello Kitty's market has broadened to include grown-ups. Now, Hello Kitty is bringing her style and fun to a variety of exclusive designs with their new licensing agreement with Barefoot Dreams.

Barefoot Dreams is known around the world for their soft and cozy baby blankets, apparel, and adult accessories. Barefoot Dreams new Hello Kitty® line features blankets, apparel, and throws, made with their signature CozyChic® knit with an adorable Hello Kitty® satin embroidered patch. With Hello Kitty's famous face, these blankets and throws will quickly become your child's favorite and would make a wonderful baby gift.

California based baby boutique, California Cozy, is one of the first retailers to add the new Barefoot Dreams Hello Kitty® collection.-œBarefoot Dreams blankets have always been one of our best selling products,- said California Cozy CEO Cindy Soulios. -œI'm sure theaddition of Hello Kitty will become a customer favorite. My own kids already love their CozyChic Hello Kitty Big Kid Blankets.-

Barefoot Dreams has been one of Hollywood's biggest baby gift secrets for years. The brand has most recently been featured on the hit reality show -ËœKeeping Up with the Kardashians'. Their luxurious and cozy blankets have been photographed with celebrities including Beyonce, Ivanka Trump,Sarah Jessica Parker, and Rachel Zoe.Their brand is so widespread; they can almost guarantee that there is something for even the most sophisticated baby and adults.

California Cozy is an online baby boutique based in Calabasas, California. The company sells luxury products from companies such as Barefoot Dreams, Aden +Anais, Angel Dear, Little Giraffe and many more. The online boutique offers free shipping for all orders over $50. Barefoot Dreams Hello Kitty Blankets are part of the new, summer 2012 line.

Annette Cook founded the Barefoot Dreams Company in 2004, based in Malibu California. Since its humble beginnings, the brand has quickly grown to be one of the leading competitors in baby blankets and baby gifts.

Hello Kitty are trademarks of ©1976, 2012 SANRIO CO., LTD.





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