There is never a better time to prepare for the future than the present. Living a vital and energetic second half is as important as just starting out in life. Finding a network geared to a community who believe this is true is the right start to getting the help to make it all happen.

One of the most recent tools for those baby boomers approaching retirement age is a network that makes it easy to plan for retirement. The Baby Boomers Retirement Network brings the latest in health news, travel tips and financial security as simple as a click of the mouse.

Looking ahead to a brighter future can be difficult. However, using the resources available can make goals for retirement achievable. Estate planning, college saving plans, learning to maximize earnings and generate retirement income are just a few of features the Baby Boomers Retirement Network brings to members to ensure a higher quality of living during the golden years.

There are many options for individuals while planning for their retirement years and a network can provide useful information all on the issues facing this very important time of life. The most exciting years can be experienced during retirement, and having a clear guide to matching finances to a desired lifestyle makes all the planning worth it.

“Using a network specifically designed for the baby boomer generation can make all the difference when planning for retirement,” said Richard Roll, CEO of Baby Boomers Retirement Network. “Our health programs, on-line forums and financial check-ups are just some of valuable aids we bring to baby boomers looking to better their physical and financial futures.”

A healthy and secure lifestyle requires planning for money, investments and savings as well as keeping up with nutrition and exercise. It’s never too late for dreams to come true and planning for an active and financially secure retirement can help to ensure the best is yet to come.

If you would like more information on baby boomers retirement planning or Baby boomers Retirement Network, please visit http://www.BoomersRetirementNetwork.com.

The Baby Boomers Retirement Network brings the latest in retirement planning, retirement investing and financial security to your fingertips. Plan for retirement early with the Baby Boomers Retirement Network and help ensure the best is yet to come.

The U.S. Department of Agriculture estimates that the cost to raise a child ranges from $134,370 to $284,460. These figures, however, include the cost of a home, which a family might own even if they have no children, as well as other factors averaged from all U.S. consumption.

“The decision to have or adopt a child can be a complex one. Fortunately, finances are one piece of the puzzle that families can anticipate and plan for,” Ewing said.

Financial advisor Ewing suggested steps include the following:
1.   Make a financial birth plan: A recent survey of new parents found that they budgeted $776 for hospital costs, but wound up paying $2,000 for childbirth. Call your insurance company, doctor and/or hospital to find out exactly what costs will be covered and how much out-of-pocket medical expense you’ll be expected to pay.
2.   Build a budget: Hopefully, especially if you are considering a family, you are living within your means and using a budget. Create a new budget that takes into account the costs of a child, such as child care, medical bills, diapers, babysitting, additional food, travel costs and any lifestyle changes you are considering, such as one parent leaving his or her job or moving to part-time work. Before you get started, understand your financial health with the free online BillsIQ calculator (www.bills.com/iq). Then, estimate the costs of having a child with an online calculator.
3.   Plan for adoption: No question about it, adoption can be expensive. Costs can range from under $2,500 for foster care adoptions to $40,000 and up for a private infant adoption. However, adoptive families can be eligible for a tax credit of up to $11,390 to compensate for some of those costs. Grants, gifts and loans also might be available to help. Talk to a qualified adoption counselor to learn more.
4.   Ignore the Joneses: In today’s world, it’s easy to imagine your child falling far behind if he or she isn’t playing a musical instrument, speaking a foreign language, playing daily with groups of friends and on a sports team before kindergarten. Still, the most important activities for children are priceless (and very budget-friendly): Exercising in the yard, reading library books together, drawing with crayons or sidewalk chalk, cooking meals and singing. Don’t panic about the costs of raising a child; instead, focus on what is right for you.
5.   Expect the unexpected: Any child can present special needs, from braces to speech therapy to behavioral issues to a physical accident. Do your best to prepare with appropriate insurance and by taking appropriate safety precautions. Other than that, know that nothing presents surprises like parenting, and if possible, leave room in your budget for unexpected costs.

“By planning ahead, you can prepare for the expense of adding a new member to your family,” Ewing said. “Most importantly, practice good general financial management — that way, you’ll be prepared for anything your personal baby boom brings.”

Based in San Mateo, Calif., Bills.com (www.bills.com) is a free one-stop portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. As the online portal to Freedom Financial Network, LLC, the company has served more than 40,000 customers nationwide since 2002 while managing more than $1 billion in consumer debt. Its RSS feed is available at http://www.bills.com/news_releases/.

In 2008, Entrepreneur Magazine ranked Bills.com as the No. 3 fastest-growing U.S. company on its Hot 100 list. Bills.com also was named a finalist as “most innovative company” in the American Business Awards in 2008. Company co-founders and co-CEOs Andrew Housser and Brad Stroh were named to the Silicon Valley/San Jose Business Journal’s “40 Under 40″ list in 2008, and received the Northern California Ernst & Young 2008 Entrepreneur of the Year Award for online services.