July 17, 2016 by Leigh St John
· Comments Off on Life Extension: The Modern Anti-Aging Movement – Are We Standing at the Threshold of Immortality?
Filed under: General
Why is skincare the focus of longevity research? I guess a cell is a cell, and if you can crack the code for one human cell, it is only a matter of time to solving the puzzle with different types of cell – and skin is without doubt the most visible cells each of us have. And it’s our faces in particular we often judge ourselves and others by, and we are in turn quickly scrutinized, and often opinions reached in a fraction of a second. Our faces often show the most visible signs of aging, and for many in modern society age is by nature “bad” and young or looking young is the ideal. That is why billions and billions of dollars each year are poured by consumers into all sorts of treatments to minimize wrinkles, to push back the effects of gravity, and to turn back the hands of time. And with that much money to be spent by consumers, there are many manufacturers eager to find the next step in arresting Father Time – and at least detaining him until the next stagecoach arrives, where hopefully he can be encouraged to move on before too much damage can be done.
The Entire Issue Explained – In A Pair of Shoelaces
Some time ago a friend gave me a simple analogy that puts this entire issue in perspective. The science may not win a Nobel Prize, but it gave me the necessary ah-ha moment.
The double helix of the DNA strand – our most basic foundation for life – is held together at each end by things that act in the same way as the hard plastic bits on the end of shoelaces do – preventing the DNA from unraveling, and the individual chromosomes scattering across the floor like dropping a string of pearls down a marble staircase. These things are called telomeres.
Somewhere programmed into these tiny telomeres is the entire basis to how long the DNA stays intact – and by inference these are the keys to the length of life of the organism. Somewhere written into the telomere is a great musical score but like all musical scores it has a double bar somewhere to signify the end; but is it to be a minuet or a Wagnerian epic? But sure enough, when the time comes, and the telomeres blow the full time whistle, the DNA strand will unravel and die – and the circle of life begins again. Telomeres govern how often our skin cells are replaced; why a puppy and a child born on the same date may age exactly the same chronologically, but the puppy has become a geriatric before the child reaches puberty.
Telomeres, my friend explained, occasionally go on the fritz (that must have a very specific scientific meaning). One of the ways this occurs is they may forget their programming to release and unravel, and they just hang on, allowing the cells thus affected to multiply again and again without dying. In fact, when this occurs often they become very difficult to kill and to all intents and purposes once the telomeres act in this way, the cell – and those it propagates – are effectively immortal.
This condition has a name which we all know. Cancer.
But, what if we were able in some way to persuade the telomeres within a cancer to behave normally – would that not be the “magic bullet” cure for cancer? And the other side to that equation – if the telomeres in healthy cells could be persuaded to act as they do in a cancer – then is this the recipe for a healthy cell that does not die? Does the cure for cancer and immortality hang on just this one thread?
Whatever your views may be, the reality is that some of the world’s finest research scientists are working on that exact question and some would say it is only a matter of a decade or two before this is neither conjecture nor science fiction, but a reality to face up to. The changes that would take place in society even if life expectancy were to take a leap forward by say 10 or 20 years are enormous, but we should all be thinking that this is a distinct possibility.
From the dab of lanoline a generation ago to what I know hold in my hand as an anti aging skincare treatment is more than just a revolution – and I have no doubt in a few years I will be saying this cream will not just slow the aging process and reduce the visible signs of aging, making your face appear younger – but it will actually be younger.
But before that, let’s look back at how this whole engagement with life extension and anti-aging started. Mankind has always striven for longevity and mused about immortality – but the past 50 years has seen some dramatic steps in reality toward this goal.
The thought of extending life has been on the mind of mankind for millennia. References to the search for ways to prolong life can be found as far back as the Epic of Gilgamesh.
Gilgamesh was reputedly the fifth king of the kingdom of Uruk, the modern-day Iraq, around 2500 BC. According to the Sumerian list of kings, he reigned for 126 years. The Torah or Old Testament records Methuselah as living over 900 years, with life spans measured in centuries apparently commonplace before the time of Noah.
Throughout the development of scientific thought from the Reformation onwards, scholars have applied themselves to solving this riddle and these endeavors continue today at the very leading edge of scientific progress.
As the secrets of our existence are unraveled in ever more minute detail, we are beginning to understand what it is that makes us grow from tiny babies into adults. We now know, for example, that cell functions slow down as the body ages and that production of certain substances required by the body to regenerate decrease or cease completely.
Skin, for instance, needs two substances to retain strength and firmness.
The production of these substances namely collagen (strength, tightness) and elastin (flexibility) decreases with age. The decreases in production together with other factors that include the threat of free radicals make the skin age and become wrinkly. Free radicals are essentially incomplete oxygen molecules causing destructive chain reactions within cells.
The same kind of thing happens in every cell, every tissue and organ around the human body. For example, people develop frown lines, crow’s feet and wrinkles. Nutrients are no longer absorbed easily and vital cell functions, hormones and other substances are produced at decreased rates resulting in the body aging.
A Brief History of the Life Extension Movement
Science has been looking for ways to slow down this process for centuries. The forming of life extension movements, however, did not really begin until around 1970.
â¢ In this year, Denham Harman, the originator of the so-called ‘free radical theory of aging’, decided that an organization dedicated to the research and information sharing between scientists working in biogerontology (the field of science concerned with the biological aspects involved in the aging process) was needed. As a result, the American Aging Association was formed.
â¢ In 1976, two futurists, Philip Gordon and Joel Kurtzman wrote a book on the research into extending the human lifespan. This popular volume was titled ‘No More Dying. The Conquest Of Aging And The Extension Of Human Life’.
â¢ Kurtzman was then invited to speak at Florida’s House Select Committee (HSC) of Aging, which was chaired by Claude Pepper, an American politician and spokesman for the elderly. The aim of this talk was to discuss the impact on Social Security by life extension.
â¢ In 1980, Saul Kent, a prominent activist in the field of life extension, published the book ‘The Life Extension Revolution’ and founded the nutraceutical (from ‘nutrition’ and ‘pharmaceutical’, in other words, a nutrition supplement) firm known as ‘The Life Extension Foundation’.
This foundation is a non-profit making organization promoting dietary supplements and publishing the periodical ‘Life Extension Magazine’. Kent was later involved in work relating to cryogenics. He was jailed in the course of this work over a dispute at one point, although charges were dropped at a later stage.
â¢ In 1982, American health writer and life extension advocate Sandy Shaw and her co-writer, Durk Pearson, popularized the term ‘life extension’ even further with the bestseller ‘Life Extension: A Practical Scientific Approach’.
â¢ Roy Walford, a gerontologist and life-extensionist, published ‘Maximum Lifespan’, another popular book on the subject. He and Richard Weindruch, his student, followed this up in 1988 with their summary on the research they had conducted into the ability to prolong the life of rodents through calorie restriction. The title of this book is ‘The Retardation of Aging and Disease by Dietary Restriction’.
Although this ability to extend life with calorie restriction had been known since the 1930’s, when gerontologist, biochemist and nutritionist Clive McCay did some research into the subject, it was the work of Walford and Weinbruch that gave solid scientific grounding to the McCay’s findings.
Walford’s scientific work was driven by a personal interest in life extension. He practiced calorie restriction as part of his own life and eventually died at the age of 80. The cause of his death was amyotrophic lateral sclerosis, a progressive motor neuron disease.
â¢ A4M, the ‘American Academy of Anti-Aging Medicine’ was founded in 1992 to create a medical specialty for anti aging that was distinctly separate from geriatrics. This allowed scientists and physicians interested in this particular field of science to hold conferences and discuss the latest developments.
â¢ The sci.life-extension, a Usenet group, was created by California-born author, philosopher and translator Brian M. Delaney. This represented an important development within the movement of life extension. It made it possible, for example, for the CR (Calorie Restriction) Society to be created.
â¢ A more recent development is the proposal of Dr A. de Grey, a biogerontologist at Cambridge University. This proposal suggested that damage to cells, macromolecules, organs and tissues can be repaired with the help of advanced biotechnology. This is evident in hair restoration products, for instance.
More than Books
Although it would appear that most of the work revolving around life extension has been done solely by writing books or founding societies or organizations of some kind or another, the reality is that these books were written in response to or based on very specific, detailed scientific research that have yielded positive results.
They are no longer the works of hopeful minds, but the works of dedicated scientists who have spent their lives working on discovering facts about aging and trying to find ways to slow down, or even reverse the process.
Many breakthroughs have been made, and in many ways, we are already able to extend lives to a certain extent. The average lifespan of a human being is already far greater than it used to be as a result of medical, pharmaceutical and nutritional advances brought about by research and development.
The work continues, and scientists around the world are continually conducting research, comparing results, discussing options and making advances on our behalf.
Driving Forces behind the Development of the Life Extension Movement
What factors are driving this movement into ever greater efforts to find solutions to the extension of Life? The answer to this question actually includes a whole range of factors.
Expectations Have Risen
As the ‘baby boomer’ generation (born between 1946-1964) enters retirement age, expectations of this group are dramatically different from those of the preceding generations. They have greater expectations and desires to enjoy their life as pensioners to the fullest and for as long as is possible. This expectation covers not only length of life, but quality of life as well and this is not a passive request but an active and strident demand in many cases.
Progress in pharmacology has led to a wide selection of drugs that allow people to live longer and fuller lives being developed over the last two decades or so. The work is still very much in progress and many more drugs are being developed daily.
One of the classic examples of a drug raising the quality of life for older individuals are erectile dysfunction treatments – notably Viagra, Cialis and Levitra. These drugs have dramatically reduced the number of fatalities or serious injury resulting from elderly men rolling out of bed, as well as a number of more qualitative benefits.
Advances in Genetics
Some of the latest scientific research and subsequent advances made in biotechnology and genetics are providing some hope that it may be possible to hold back some of the fundamental causes of aging.
As we outlined previously, chromosomes containing DNA strings are essentially capped with a binding substance known as telomeres. In effect, the telomeres are consumed during cell division and over time, they become shorter and shorter.
This was first observed by a scientist called Leonard Hayflick, and the process of limited cell division was subsequently named the Hayflick Limit. Advocates of life extension work on the thought that lengthening the telomeres through drugs or gene therapy may ultimately extend the Hayflick Limit and thereby fool the cells, and as such the body, into ‘thinking’ it is younger than it actually is.
Developments in Precision Manufacture
Advances made in the fields of nanotechnology, miniaturization, computer chips and robotics also provide hope for potentially life extending solutions.
In the 1970’s, a popular TV series starred Lee Majors as the ‘Six Million Dollar Man’? Science fiction then. Today, it is science fact. Millions of people now walk through life with artificial ankle, knee and hip joints and healthy feet. A generation ago, mass production of this kind of technology was a distant dream.
The same applies to many individuals with artificial limbs. Artificial legs used to be crude wooden contraptions that were just able to keep a person balanced. Today’s artificial limbs are almost fully functional.
The Blessings of Medical Progress
Who would have thought even 50 years ago that it would become possible to bypass a coronary artery, or even replace a heart completely? Yet there are hundreds of thousands, if not millions of individuals enjoying their lives after having this kind of surgery – few of whom would be alive just half a century ago.
Millions of people no longer have to wear glasses, because of the availability of laser surgery. This, too, was science fiction just a few years ago. Today, it is advertised next to shampoo in magazines and on TV.
In other words, science is moving rapidly towards not only extending life, but making the quality of these extra years better as well.
Is it Science, Science Fiction or Lunacy?
What should the average person believe? This question is almost as difficult to answer as finding solutions to extended life. Even among scientists, opinions are divided. Some do believe that extending the quality of life is as possible as extending life in general.
Others brush off the thought as un-scientific nonsense. This is often simply based on the fear of anything ‘new’ disturbing the status quo of established limits. Fortunately, real scientists do keep on looking, because if every single scientist had decided that some of the advancements already in medical, pharmaceutical and technological fields could not be possible, we would all still be dying at 30.
So where does that leave us?
There is no doubt what-so-ever that there are many charlatans out there trying to make a quick buck out of people’s desire to retain their youth. Even today, many products being sold in their millions are essentially non-effective – often given fantastic names and have the most bewildering ingredients to make them look scientific to consumers and justify their cost.
But the facts are while many advancements are being made and research points to the possibility of eventually finding the key to maintaining youth for longer, the scientific community is still warning the public that many of the products being sold today are unreliable to say the least.
â¢ Although food supplements may assist in keeping a body healthier – something that can often be achieved by simply adopting a healthier life style and diet – there is as yet no categorical and undeniable proof that they slow down aging as such.
â¢ The same goes for many hormone treatments. Although they may have a short term effect of some kind, it is not yet scientifically proven that they will actually work in the long run. The fear that it may not work is based on the fact that taking hormones, a good example is the hormonal acne treatment, will ultimately actually slow down the body’s own production of these hormones.
In addition, many treatments may have potential (and yet unknown) side effects in the long run that could be harmful to the user’s health. This includes the fears that such hormone treatments could increase the risk of cancer, diabetes and other major illnesses.
â¢ Other ideas, like the calorie restriction method, are working for rodents. In fact, studies conducted with rats on 30 to 50 per cent restricted diets have shown to almost double the life span of rats.
Similar studies conducted on primates have also shown tendency to extend life to a certain extent and prevent a list of age related illnesses. There are as yet no studies on humans, although some are actually living on calorie restricted diets. Whether this will prolong their lives, however, is a question of having to wait and see.
The theory is that by reducing calorie intake, the metabolism of the body is slowed down, thereby slowing the aging process as well. Nutritionists say there is a certain amount of calories a body of a certain size and weight needs to have to maintain health. Reducing this amount by up to 50 per cent is hardly a good idea in the long term.
Time will tell, as they say, but how will anyone be able to tell the difference? If a person lives to the age of 80, is this because they are on this diet or would they have lived to this age anyway?
Where Will This Lead?
Many believe there is realistic hope and expectation of making significant strides in the area of longevity within the next two decades. This group typically believes the answer will ultimately lie within genetics and biotechnology. It is too early to make definite predictions, but the research so far shows promise and, as mentioned earlier, some of the results of this research are already being used in certain treatments to improve patients’ lives.
At present, overall aging is difficult to slow down, to say the least. Some products indicate they will assist in maintaining overall health/longevity, but the area we are seeing the first commercial products being developed is in the area of skin care and given the size of this market, it is likely that this will continue to be the weather-vane of longevity treatments.
Science or Snake Oil?
It will be difficult to tell these two apart for many years. Charlatans are likely to about, because it is difficult to disprove many theories easily. Equally difficult will be positive proof from those with an ethical perspective on the trail of a real breakthrough, as products based on valid research and using technology or ingredients that will actually have an effect rarely promise overnight results. This is something that anyone looking to find improved youthful looks, etc, will have to bear in mind. None of these products can perform miracles. Even the best of them will take time and regular use in order to achieve the desired effect.
The bottom line is that where we stand now, we can be sure there are some things which are ineffective or even harmful; there are some that show some promise and there are some that are starting to cross the line of being able to demonstrate results – albeit modestly at this point.
In the meantime, it is wise to research products very carefully and to refuse to be baffled by weird and wonderful sounding ingredients or fantastic sounding promises of instant youth. Regeneration will take time – let’s face it, it has taken a lifetime to get to this point, turning back the clock can never be possible over night.
Skin Care and the Life Extension Movement
One may well ask just what all this, and in particular the life extension movement as such, could possibly have to do with skin care, health and beauty products. The fact is, much of the research into life extension is resulting in new approaches to skin care as a kind of by-product.
A greater understanding of how genetics and cellular processes affect the aging and condition of skin allows these research and development teams to investigate different compounds, their compatibility with human cells and genetic make up.
Many compounds found in nature are not just compatible to human skin but in fact the skin cells actually have natural receptors for these compounds. Because life extension research has discovered these receptors, skin care developers can now use this knowledge and create the formulae for their products to provide maximum effect.
Another skin care ‘by-product’ of life extension research is the use of nanotechnology. The use of nanotechnology, or, to be more precise, nanoparticles, has had a huge impact on the way nutrients and other components of skin care products are being delivered to the skin cells. In some ways, nanotechnology has already revolutionized skin care. It is now possible to use active ingredients previously difficult to effectively deliver to the skin, as well as making old, proven ingredients even more effective. Some ingredients used in cosmetics for hundreds, if not thousands of years by certain cultures can now be even more effectively used to improve skin condition and maintain a healthy, youthful look.
Even the moisturizing effect of skin care products can be improved with nantechnology. For this effect, so-called nanosomes are used. Nanosomes are small, pocket-like particles that melt or disintegrate on skin contact. By doing this, the moisturising effect is accelerated, assisting the skin faster and more efficiently.
Nanotechnology plays a key part not only in slowing the aging of skin, but is believed to actively assist in repairing and healing skin cells and tissue.
Another breakthrough in life extension research that is beginning to make itself felt in skin care products is the research into stem cells. Stem cells are elements of all life, plant, animal and human. Stem cells have two properties other cells do not have. These properties are the ability to develop into any kind of cell type and the ability to divide almost indefinitely. The use of plant stem cell extracts in skin care is likely to become one of the next ‘big things’ in the industry. And prepare for the debate when human stem cells are proposed as part of an anti-aging skincare regime, as will inevitably occur!
One thing we can be certain of, is that science will continue to search for answers to the question of life extension, and business will drive the commercialization of discoveries. But whether these lead us to a utopian future or potentially a minefield of strife as we debate who will use and who will benefit from these new godlike powers. In the meantime, at a practical level in the skincare, health and beauty industry we remain hopeful and expectant we will see the emergence of products that not only promise results, but produce them.
David Christensen is a veteran of Asia Pacific business, currently residing in Bangkok, Thailand and heading up the business he was a co-founder of, Royal Siam Natural Health & Beauty – who can be located at [http://www.royalsiam.asia], and the information supporting site at [http://www.royalsiam.info]. Royal Siam was established after careful planning in early 2011, spending 2011 concentrating on building the necessary business infrastructure and concentrating on the domestic Thai market. Early in 2012 Royal Siam launched its international website and online store, and in April 2012 publicly declared the ambition to be among the world’s top 20 premium health and beauty brands by the year 2020. Royal Siam is a unique business, operating in the premium skincare, anti aging, and related fields. At its core, one mission is to commercialize and bring to a global market the immense wealth of knowledge about the healing and beneficial properties of Thai and South East Asian plants – a knowledge base carefully built up over the last thousand years. At the same time, the mission is to bring to market the very latest in scientific advances in the area of anti aging… resulting in the unique position of having a Thai heritage and offering the best of nature, tradition, and science.
Article Source: http://EzineArticles.com/expert/David_D_Christensen/1317312
June 12, 2016 by Leigh St John
· Comments Off on Mature Age Job Seekers – Beating the Bias
Filed under: General
Australian business is starting to see the light when it comes to their hiring policies for mature aged employees, and the positive impact they can have on the workplace. A brief visit to main street shopping centre and you will begin to see a few more weathered faces at work than you would have seen a few years ago.
However, if you scratch below the surface, you begin to see this trend still has a long way to play out. A few older workers get hired into the senior ranks where experience and maturity are greatly valued, more older workers are now being hired at the lower end of the corporate scale into unskilled roles, however the numbers being hired into the mid tier ranks remains low.
This barbell approach to hiring mature workers at the top and bottom of an organisation reflects an ongoing bias that remains difficult to overcome. A company is a microcosm of society, and in a perfect world employers should (within reason) seek diversity in the workplace and value skill, experience and aptitude, regardless of age, race or gender.
Unfortunately, we live in a far from perfect world. When it comes to mature aged workers they tend to be penalised on two fronts. Often the first to be made redundant in uncertain economic times, this setback is then compounded when they are regularly overlooked for someone younger as they begin searching for a new job.
As a result of these two biases towards mature aged job seekers, once out of work, the journey back can often be long and arduous. This is reflected in RBA statistics which indicate long-term unemployment at approximately 40% for those aged 45-64, compared to about 25% for those aged between 25 and 44.
So what are the reasons employers provide for not hiring mature aged workers? Typically, reasons include being overqualified or over-experienced. Taken at face value being overqualified or experienced might not seem so bad, but when you hear the same reason trotted out time and again, it becomes less palatable.
Openly negative feedback from employers tend to include perceptions that mature aged workers are not as IT savvy, do not possess the latest skills, or are not as flexible as their younger counterparts. While these reasons may hold true in many instances, many of the older job seekers I speak to, believe these are often used as convenient excuses to exclude them.
Employer feedback that you are not likely to hear include concerns about health (and subsequent cost) or worse insecurity. There are many poor managers in the workplace that may be intimidated by the experience a mature applicant brings to the role. Rather than leveraging the knowledge and experience an older worker can bring to the workplace, the insecure hirer is concerned about the potential competition, and the presence of someone who may know more than they do.
Dealing with many of these preconceived concerns and fears remains an ongoing challenge for the mature aged job seeker. Perhaps the following facts should be mandatory reading for hiring managers. These facts debunk many of the concerns and myths that persist in the workplace relating to mature aged workers;
- Mature aged workers can deliver cost savings to employers through increased retention rates. For example, workers over 55 are five times less likely to change jobs compared to workers aged 20-24, reducing both recruitment and training costs. Australian Bureau of Statistics (2006)Labour Mobility Survey,
- Mature workers can deliver an average net benefit of $1956 per year to their employer compared to other workers due to high retention rates, lower rates of absenteeism, decreased recruitment costs and greater return on investment.Business, Work and Ageing (2000) Profiting from Maturity: The Social and Economic Costs of Mature Age Unemployment
- Australians are living longer and are healthier.2005 ABS survey found the proportion of Australians aged 55-64 reporting their health as ‘good’, ‘very good’ or ‘excellent’ was 75.5% – an increase of four per cent since 1995. Australian Bureau of Statistics (2006) National Health Survey: Summary of Results, 2004-05
- Mature workers were the least likely group to take days off due to their own illness or as a carer. In the two week period prior to the survey nearly half the number of mature workers had days off compared to workers aged 25-34. ibid
- ABS data shows that Australians aged 55-64 are the fastest growing users of information technology. Australian Bureau of Statistics (2005) Year Book Australia,
- Australian Health Management which examined the daily work habits of 4000 employees found that workers aged 55 years and over performed at their best for approximately seven hours out of an eight-hour day-an achievement that other workers in the study were unable to match. Australian Health Management (2006), Baby boomers give employers a bang for their buck
While government has been doing its part to address mature aged unemployment through initiatives like DEEWR Experience+, the introduction of the Age Discrimination Act (2004) and appointment of an Age Discrimination Commissioner, it remains imperative that older job seekers directly address some of these age bias issues themselves if they are to enhance their prospects for employment.
Following are some helpful hints that mature aged workers can utilise to make themselves more appealing to employers and thus improve their chances of a speedy return to the workforce;
Government or Community Assistance– Take advantage of government or community based initiatives and assistance. There is a considerable amount of free information and assistance available, and I would strongly recommend looking into these resources. For example, the DEEWR “Experience+” initiative provides free career planning and advice for over 45’s until June 2016, along with an Assistance Program delivering refresher and basic training in IT and social media applications.
Value Proposition– Whether writing your resume or cover letter, or sitting in an interview, ensure the focus of discussion clearly remains on the value that you can bring to an organisation. Discuss how you can help, what you have done in the past and what you can deliver going forward. Outline how your experience might bring special insights and perspectives that other candidates may not possess.
Training– Undertake relevant training or up-skilling. Keeping ‘up to date’ is critical if you expect serious consideration for any position, especially if there is a technical element. The benefit will be that an employer will see that you have not fallen behind and therefore will not require retraining, along with any associated cost.
Resume– You will need a properly structured and well written resume to be considered for most roles. Use an appropriate resume style that is tailored to your strengths, skills and experience. Also ensure primary focus of your resume is on the last 5-10 years (include older information where pertinent). Think about getting assistance from a professional resume writer, whocan add significant value if you are looking to ‘get it right the first time’.
Age Bias – To counter potential impact of age bias, you will need to carefully address the following with any potential employer;
Health– Don’t hesitate to communicate your good health and fitness to potential employers at opportune moments. Inform them if you play sport, run, walk or go to the gym regularly. This should allay any potential concerns about health.
IT Savvy –Take every opportunity to indicate your IT capability. Whether it’s your ability to use specialised systems, the MS Office suite or even your use of Facebook or Twitter, this will highlight your ability to embrace new technology.
Adaptability – Highlight your adaptability in the workplace, providing actual examples where appropriate. If you don’t know something, indicate you are keen to learn (and not that you wouldn’t know where to start). Highlighting your adaptability will help to dispel concerns of rigidness and inflexibility.
Team Player –Communicating that you work well as part of a team is critical. It shows a willingness to take direction and work for the common good, and can present you as less threatening, especially if the hirer feels concerned by a mature more experienced candidate.
Be Positive –Though you need to be fully prepared to discuss negative issues, make every attempt to keep the discussion on a positive footing. Unless specifically requested, there is no need to volunteer information of a negative nature.
While industry is beginning to see the light when it comes to acceptance of mature aged workers, the pace of change remains slow. While providence is on the right side due to the ageing Australian population and the inevitable necessity to hire older workers, the fact remains that age discrimination is still entrenched in much current thinking.
As a result, dealing with age bias will continue to be a challenge for the foreseeable future. However with the combination of positive government policy, changing attitudes and a proactive attitude to making oneself more appealing to employers (as outlined above), the situation is not without promise.
Honing your individual approach and message will take time and effort. To strike the right balance the mature job seeker will need to walk a fine line between sounding experienced, but not old, adaptable, but not inflexible and appear keen, not desperate. There is no magic formula for success except practice, perseverance and occasionally seeking help where necessary.
A.J. Bond, is the proprietor of Absolute Resume Writing Services ( http://absoluteresume.com.au ), an Australian based consultancy specializing in the provision of Resume and Cover Letter writing services.
Absolute Resume assists a broad range of job seekers to find their preferred roles, including mature aged job seekers, individuals out of work for a period of time and those made redundant.
Article Source: http://EzineArticles.com/7334746
Live Healthy – Look Marvelous – Live Longer
There are actions you can, and should take today to dramatically improve your health, your appearance and your longevity. You can control 70% of the factors affecting your longevity; only 30% are controlled by genetics until very late in life when genetics become more controlling
Almost all of the effects of aging and the common diseases that come with aging are treatable, to at least some extent. The key is early detection and early treatment.
Our understanding of the aging process is advancing rapidly. Some scientists believe that the first immortal human may be living today.
In 1786, life expectancy was 24 years. Better diets and some medical innovations allowed it to double to 48 years in the next 100 years.
Modern medicine has now increased life expectancy to over 76 years. Future medicine promises to increase it to over 100 years during our lifetime.
“Over half the baby boomers here in America are going to see their hundredth birthday and beyond in excellent health.” says Dr. Ronald Klatz of the American Academy of Anti-Aging. “We’re looking at life spans for the baby boomers and the generation after the baby boomers of 120 to 150 years of age.”
The key to Live Healthy – Look Marvelous – Live Longer is to delay the diseases of aging so that when they do occur, it is very late in your life.
The causes of aging are finally being understood. There are actions you can take today to take advantage of the recent medical developments. Dr. Rudman ran a series of tests on aging people and demonstrated that the effects of aging could be slowed and even reversed. He concluded: “The overall deterioration of the body that comes with growing old is not inevitable.”
The Causes of Aging
Almost all life on earth blossoms with youth, until it has reproduced and passed its genes on to the next generation. After that, the flowers wilt and die, and we humans began to age. Yes, we begin to age while we are still in our 20’s.
We age because the products of our metabolism, I.e., the “ashes” from the oxidation processes that produce energy in our cells, accumulate faster then our endocrine system can remove them. This is because most of the cleansing hormones that surged through our youthful bodies begin to decrease as we begin to age. Some of these more critical hormones have decreased by about 10 to 30% as we enter our 30’s. The decreases become ever more dramatic as we enter successive decades of life. Most of our hormones have decreased by over 50% and some have been reduced to near zero as we enter our 70’s. So we age. Our muscles and bones weaken; our reaction time slows; we lose our agility; all combine to make us more susceptible to accidents. Our immune system weakens and makes us more susceptible to disease. And we die.
The Death Clock
Dr. Hayflick has shown that we have another cause of aging. He has shown that we have a built-in death date of about 120 years, if diseases or accidents do not get us earlier. The point at which our cells have divided a fixed number of times sets this death date. It has been termed the “Hayflick limit.”
Our cells divide to produce new cells to replace the old cells damaged by metabolic ash build-up, free radicals, toxins, and other wear and tear mechanisms. As the cells divide, the chromosomes split to provide chromosomes for the new cells. When the chromosomes split, they lose part of their telomeres – the genes at their ends that keep the chromosomes organized. After a certain number of splits, the telomeres wear away and become too short to keep the chromosome organized and therefore the cell dies without being able to replace itself.
You can think of telomeres as analogous to the plastic bands on the ends of shoelaces. Telomeres hold the important DNA code intact, preventing it from fraying as the molecules replicate over time.
Resetting the Death Clock
But tests over the past few years have shown that the “Hayflick limit” can be extended by the use of an enzyme that causes the “organizing genes” at the ends of the chromosomes (the telomeres) to re-grow. This enzyme is called telomerase.
Telomerase treatments on human cells in the laboratory have indicated that telomerase can make human cells immortal. Doctors and researchers involved in these treatments are reporting that it is their belief that death is not inevitable.
Telomerase is actually an enzyme (a catalytic protein) that is able to arrest or reverse the telomere shortening process. The body produces telomerase when we are embryos in the womb to accommodate the very rapid growth of the embryo. But, unfortunately our bodies do not produce telomerase after birth except possibly for the creation of sperm.
So for humans to extend life we must do two things: first, eliminate the oxidants and toxins in our foods and environment; and find a dietary or pharmaceutical method for increasing and preserving the length of our cells’ telomeres.
Promising Anti-Aging Research
There are many ongoing projects that promise to solve our problems of aging. One is from a team of South Korean scientists. They report that they have created a newly-synthesized molecule, named CGK733 that can make cells younger.
“All cells face an inevitable death as they age. On this path, cells became lethargic and in the end stop dividing but we witnessed that CGK733 can block the process,” Prof. Kim Tae-kook reported. He further stated: “We also found the synthetic compound can reverse aging, by revitalizing already-lethargic cells. Theoretically, this can give youth to the elderly via rejuvenating cells.”
Kim expects that the CGK733-empowered drugs that keep cells youthful far beyond their normal life span would be commercialized in less than 10 years.
Researchers at The Wistar Institute have defined a key target of an evolutionarily conserved protein that regulates the process of aging. The study provides fundamental knowledge about key mechanisms of aging that could point toward new anti-aging strategies and cancer therapies.
Aging saps our strength and ability to enjoy life, cripples us, and eventually kills us. Tens of millions die from age-related conditions each and every year. Comparatively few people know that degenerative aging can be slowed with diet and lifestyle choices, medicines and nutracuetials.
Comparatively few people are aware of the many serious scientific efforts, presently underway, aimed at understanding and intervening in the aging process – in order to one day reverse its effects.
Your objective should be to have a healthy life and continue to live long enough to take advantage of all the medical advances and technologies now in development.
Our health is determined by our genetics, our diets, and our past and current lifestyles. You can now optimize your current and future health by defining and taking medications, vitamins, and other supplements and treatments tailored to your specific health needs. The program to do this recognizes the validity of three basic themes:
- The Future of Medicine is in Personal Tailoring
- Preventative Medicine is Key
- Aging is a Treatable Disease.
Your Anti-Aging Longevity Plan
It is strongly recommended that you get familiar with the latest anti-aging information and develop your personal Longevity Plan. The key to longer life is to detect any health issues as early as possible and take advantage of the available technology to address them. Time really is of the essence.
Article Source: http://EzineArticles.com/5073181
Livliga dishware is a new solution to help these two generations eat right and stay healthy
Americans are living longer than ever, according to the U.S. Centers for Disease Control, but the fight to stay healthy is just as challenging as it has been with past generations. Recent studies show that the Silent Generation, born from 1927 to 1945 and Baby Boomers, born from 1946 to 1964, collectively face three major nutritional challenges.
A Journal of the American Medical Association Internal Medicine study shows Baby Boomers have higher rates of hypertension, diabetes, obesity and high cholesterol when compared to their previous generation. The Food and Agricultural Organization of the United Nations also shows the highest obesity rates are currently found in Baby Boomers.
For the Silent Generation, currently ages 68 to 85, the National Institute on Aging says its main challenge is related to lack of balanced nutrition and getting enough calories.
The NIA says this group has:
- decreased appetite
- trouble chewing food
- less socialization around food
- diminished sense of taste and smell
- medication interference with food enjoyment
- fixed incomes
One new solution is Livliga, a tool Baby Boomers and Silent Generation seniors can use to promote right-sized food portions to reach target weights as well as to guide intake of balanced nutritional meals. Created with an Advisory Committee including a cardiologist and certified nutritionist, Livliga offers easy, subtle cues to improve and control the food environment.
“Livliga is a solution for every stage of life,” says inventor, Sheila Kemper Dietrich. “It can be used by people who are under eating and need to be reminded to take in more calories or to help those who are struggling to shrink their waistlines. The guide to portion sizes combined with reminders of what comprises a balanced meal are the keys to better health for both groups.”
Livliga is Swedish for LIVELY, VIBRANT or VIVID, which is the company’s core philosophy. Kemper Dietrich’s vision was to create an attractive suite of place settings designed for a healthy lifestyle and suitable for entertaining family and friends in both formal and informal settings. The beautiful designs on the dishware offer elegant visual cues to guide appropriate and right-sized servings. The initial product launch was a 4-piece place setting in two patterns, including a dinner plate, salad/luncheon plate, bowl and mug. Livliga also offers a serving bowl, etched water and wine glasses.
For Baby Boomers or Silent Generation seniors with grandchildren, Kidliga can also be helpful to promote healthy habits for the entire family. Kidliga is whimsical, fun dishware for kids, accompanied by a health-oriented children’s storybook. Sammie & Sax in the Land of Quinoa: The Search for a Balanced Meal just won a Moonbeam Award in the Health Issues category and is a useful tool and solution to help families in the fight against childhood obesity.
Livliga products are specifically designed to help both adults and children address the “psychology of eating”. The rim sizes, color palette, and designs all combine to encourage slower eating, make portion sizes look larger, as well as make food more visually appealing.
A 4-piece Livliga place setting is available on the company website at www.LivligaHome.com at an introductory price of $49.95 (MSRP $59.95). All of the additional products and pricing can be easily found on the website as well. Kemper Dietrich says plans call for further product launches, including additional patterns and a set of LivSpoons that makes for easy, everyday measuring and serving of right-sized portions.
To purchase Livliga, visit the online store at www.LivligaHome.com. “Like” Livliga on Facebook at facebook.com/LivligaHome, follow on Twitter @LivligaHome and visit our blog at LivligaHome.blogspot.com. Watch our videos on YouTube.com/LivligaHome.
Agency Zero Public Relations
Nearly 9 in 10 Americans Say Retirement Savings Accounts Should be “Off Limits” As a Source of New Tax Revenue – Part of National Campaign to Raise Awareness About Benefits of Tax Deferral
WASHINGTON, Nov. 7, 2013 /PRNewswire-USNewswire/ — Americans overwhelmingly – by a margin of 4 to 1 – oppose changing tax rules for retirement savings accounts, according to a new survey released today by the Coalition to Protect Retirement, a group of America’s leading supporters of retirement savings plans.
The research shows widespread support across political parties for maintaining the current tax treatment for retirement savings vehicles, such as 401(k) plans, 403(b) plans, and traditional IRAs. According to the survey, which was conducted in mid-October, 87 percent of all Americans and 95 percent of those who have a tax-deferred 401(k)-like retirement plan accounts believe retirement savings should be “off limits” to Congress and not a source of new revenue for the government.
Today’s release of the survey coincides with the Coalition’s launch of a national education and advocacy campaign to preserve the current tax incentives for retirement savings. The campaign will raise awareness about how current tax deferral rules are helping millions of Americans prepare for their own retirement, and will urge workers and their employers to tell Congress not to change or limit these incentives to save. Visitors to the Coalition’s website www.HowAmericaSaves.com will be able to send letters to their elected officials and follow developments in Congress.
“Retirement savings incentives play an essential role in encouraging Americans to save and employers to sponsor retirement plans,” said Hank Jackson, President and CEO of the Society for Human Resource Management (SHRM) on behalf of the Coalition. “This isn’t just smart tax policy – it’s proven good sense.”
Tax Incentives Help Americans Save for Retirement
The current tax incentives have succeeded in helping Americans save for retirement and have increased the number of workers who are covered by retirement plans. According to the latest available data, more than 67 million people participate in private-sector defined contribution plans alone. All told, Americans have $20.9 trillion in assets earmarked for retirement.
All Income Levels Benefit from Retirement Plan Tax Incentives
Individuals at all income levels have benefitted from these incentives, particularly middle-income earners. More than 70 percent of American workers who earn between $30,000 and $50,000 a year contribute to a retirement savings plan when one is offered at work.
“Given the vast numbers of baby boomers who reach retirement age every day, retirement savings incentives are needed more than ever,” said Kenneth E. Bentsen, Jr., President of the Securities Industry and Financial Markets Association (SIFMA). “They are doing what they were intended to do – helping people who need them most to take responsibility for their own retirement security.”
The Coalition noted the important role employers play in helping workers prepare for retirement. Between 2000 and 2009, employers contributed almost $3.5 trillion to public and private retirement plans. Changes to current incentives could adversely affect employer-sponsored plans, contributions, and the retirement security of millions of Americans.
“Raising new revenue should not come at the expense of Americans’ retirement savings, not now or in the future,” said Brian Graff, CEO and Executive Director of the American Society of Pension Professionals & Actuaries (ASPPA). “If Congress reduces the benefits of offering and contributing to retirement savings, fewer people will save. The result: more of tomorrow’s retirees will need to turn to the government for help, and that will mean more federal spending.”
Representatives of the Coalition to Protect Retirement and of Juncture Strategies/ORC International will be available to answer questions and discuss the national survey on Thursday, November 7 from 1:30 – 2:00 p.m. Eastern Time.
Call-in number: 1-800-745-6370 Passcode: 5356061
About the Coalition to Protect Retirement
The Coalition to Protect Retirement believes that Congress should encourage retirement savings for American workers through the preservation of current tax incentives. The Coalition is composed of the following associations: American Benefits Council, American Council of Life Insurers, American Society of Pension Professionals and Actuaries, The ERISA Industry Committee, ESOP Association, Insured Retirement Institute, Investment Company Institute, Plan Sponsor Council of America, Securities Industry and Financial Markets Association, and the Society for Human Resource Management.
The Coalition’s website www.HowAmericaSaves.com was created to raise awareness among workers, employers, policymakers, and the public about the important role that tax deferral plays in helping people plan for their own retirement security. The site provides tools for individuals and organizations to make their views known to elected officials and to stay informed about proposals being debated in Congress. To learn more, visit: www.HowAmericaSaves.com.
About the Survey
Juncture Strategies/ORC International conducted a national on-line survey of 1,011 adults, 18 years of age or older, during October 14–16, 2013. A summary of the survey results is available at: http://bit.ly/retresearch.
Contact: Bill Maroni BMaroni@howamericasaves.com / 301 802-3375
According to experts, from 2000 until 2011, senior citizens 65 years and older grew nearly 18 percent, up to 41.4 million. Nearly 81 percent of that age group owned homes at the end of 2011.
Children and families of the Baby Boomer generation — people born between 1946 and 1960 — will soon find themselves helping elderly loved ones move.
Moving a senior family member is challenging. No one wants to upset that person, and everyone wants the move to go as smoothly as possible. This can sometimes seem like an impossible task.
The important thing to remember when moving a senior is to stay organized and calm throughout the move, say the experts at TWO MEN AND A TRUCK®. When moving a senior into a living facility, consider contacting management to find out what can be brought onto the campus, what are appropriate moving hours, and do they have any best practices for the move.
- Start packing several weeks in advance. Pack early to avoid being overwhelmed as moving day draws near.
- Wrap small items in colored paper. This prevents items such as knick-knacks from becoming lost or thrown out.
- Label boxes on top and sides. Mark the top and sides of boxes as they’re packed. Make sure to label boxes containing breakable or sentimental items with “fragile.”
- Pack all electronic equipment in original boxes. Otherwise use low-static bubble wrap when packing these items
- Always use packing paper. When wrapping fine china and precious items, the ink from printed newsprint may bleed onto valuables.
- Sealing all boxes with packing tape. This makes it easier to stack and protect belongings.
- Use boxes designed for the items you are packing. Use dish pack boxes for dishes and wardrobe boxes for clothing.
TWO MEN AND A TRUCK® is the largest franchised moving company both in the United States and internationally. Currently there are more than 240 national locations and 1,500 trucks operating in the U.S.; in total, the company operates 260 locations and 1,600 trucks. TWO MEN AND A TRUCK® has performed more than 4.5 million moves since its inception in 1985. The company has seen consistent monthly growth dating back to December 2009 and more than 20 months of double-digit growth. Each location is independently owned and operated. Visit twomenandatruck.com.
Contact: Dawn Kroeger
Allianz American Legacy Studies researchers asked a group of Baby Boomers and their parents to rank on a scale of 1-10 (10 being most) what was more important to them when it comes to passing down an inheritance: values and life lessons or financial assets.
Perhaps not so surprisingly, the results showed that passing down values were over seven times more important than passing down valuables.
Yet only a small fraction of these three generations has made any provisions, mostly due to lack of awareness, education and the tools to do the job properly.
In addition to values and life lessons, a lot more should be included when building and passing down a legacy. Keepsakes and awards often represent defining moments and milestone events and can become family heirlooms when the stories behind their acquisitions are documented.
Identifying people in a select group of vintage family photos is one the best ways to document personal history, as some of the people in the old photos might as well be strangers to grandchildren. Those who grew up in the 20th century were first generations to record special events and moments.
Today’s digital technology offers a chance to pass down a purposeful legacy that will survive the ravages of time, and the experts at LegacyStories.org have developed an innovative Legacy Builder Tool Chest to help.
Consisting of fourteen drawers, each “toolkit” focuses on a specific legacy topic with interactive how-to guidebooks, downloadable forms, video tutorials and lots of helpful resources.
Toolkit topics include “Life Lessons and Values“, “Keepsakes & Heirlooms”, “Vintage Legacy Photos”, and one titled “Loved Ones in Care” to help caregivers build a legacy for victims of Alzheimer’s, people in hospice care, or seniors living in assisted or skilled nursing facilities.
“Since passing down life lessons and values is the highest priority, we provide members the ‘Life Lessons and Values’ toolkit at no cost,” says Tom Cormier, co-founder of LegacyStories.org. “Membership in LegacyStories.org is also free so there are no obstacles to prevent anyone from securing an honored place in family history. They just need to take action before regretting it.”
The Legacy Builder Tool Chest is also being recommended by financial advisors, estate planners and elder law attorneys as a means to engage with their clients in a purposeful way.
Content for the individual toolkits is contributed by top legacy experts including members of The International Assoc. of StoryKeepers (I-ASK) and the Association of Personal Historians (APH).
Our goal is to help people establish themselves as “effective elders” while they are alive, and to become “awesome ancestors” when they pass on,” Cormier states. “Our grandchildren and descendants will one day have an interest in learning about their family history. Because so few people will take the time to document their personal history, those who do will live on forever as their descendants’ go-to awesome ancestor.”
Tom Cormier — Co-founder
Read more news from LegacyStories.org
A newly published AARP report illustrates a profound demographic shift that will have consequences for decades to come, particularly in the senior living and long-term care industry. Baby boomers are entering their retirement years, while the ratio of potential family caregivers to those who require long-term services and support is beginning to drop. Fewer available caregivers will mean the senior living industry must rapidly adapt to a surging market. The AARP’s full report is available here: http://bit.ly/156phYi
Family caregiving is a low-cost but often burdensome approach to elder care. Becoming a primary caregiver often involves leaving behind a career, among other sacrifices. Plus, these well-intentioned caregivers may not have the expertise necessary to provide the level of care needed by an aged parent. Adults in these roles often feel enormous pressure and stress, sometimes even resentment. At any rate, the nation’s changing demographics will make today’s family caregiving situation far different in the near future.
Between 1990 and 2010, there were about 7 potential caregivers for every one person aged 80-plus. That ratio is at the start of a freefall that will force society to change the way it cares for its elderly members. By 2030, the ratio of caregivers to elderly will be 4 to 1. All remaining baby boomers will have reached their years of highest risk (80+) by 2050, when the caregiver ratio will have plummeted still further to 3 to 1.
Kevin Williams, president of SeniorMarketing.com, suggests innovative thinking will be required to bridge this care gap: “Naturally, with fewer family caregivers available, the responsibility will largely shift to senior living communities, care agencies and already overextended government programs. But it will take more than simply building more communities or training more staff—assuming an adequate number of candidates are even available. Technological innovation may be the silver bullet to raise the standard of living for aging boomers, improve efficiency, and reduce costs.”
The nation of Japan, which has the greatest life expectancy and one of the oldest average populations in the world, has recently experienced a demographic transition of its own. Recently, the Ministry of Health, Labor and Welfare put out a call for 2 million new professional caregivers, but only received 1.3 million eligible candidates. With low birth rates being the norm, that shortfall will only increase. A tech-savvy society to begin with, the Japanese have embraced robotics and automation as a solution to the elder care issue. Motorized, assistive devices can help older individuals perform tasks themselves, while automated pill dispensers can prevent dangerous medication mistakes. A recent blog post on The Economist explained Japan’s inventive approach to the elder care dilemma: http://www.economist.com/blogs/babbage/2013/05/automation-elderly
Williams concluded: “This demographic shift is a great challenge but also a great opportunity. Forward-thinking, entrepreneurs will be leading the way in this new environment. Technology to assist with daily tasks, provide medical care, monitor, and connect seniors to loved ones is advancing at a faster pace every year. It’s not unreasonable to predict that the future will witness even better care for our future seniors.”
Baltimore-based SeniorMarketing.com was created with twin goals in mind. First, the company helps connect caregivers and seniors with local, affordable care options. Second, the company increases income for senior living communities and health care agencies.
Kevin M. Williams, President
5024 Campbell Blvd., Suite D-3
Baltimore, MD 21236
You can start your own business and make money helping others have a good time, and have a good time yourself doing it! As the population of baby boomers grows, and more of our population becomes older as time goes by. There are millions of folks 55 and older that have a lot of energy, desire, time and money, to do many things still! Some of the retirement communities that allow only people 55 and older to live their, have some of the most active seniors, with all kinds of wants and needs, and if you can fulfill that market, you can make some money doing it.
Find a way to fulfill this need, with either day trips, bus tours, cruises, vacation scheduling help, or even bingo, and you can set up various outings, where someone will win a big grand prize! You could arrange with local tour operators who are already in business. Find out their prices for certain day trips, and then negotiate for even a better price, so that you can make even more profit. You could make up your own fliers, and offer the same trips, but market it differently than the tour operators do, by going directly to places older folks like to be. You can try places like mobile home parks, senior citizens centers, hospitals, churches, etc…
You could start this business part time, and turn it into a full time business with a little imagination, and by putting lots of free classified ads up on the internet!
Vince Stead has written 9 books so far. You can find his books at places like Amazon, Barnes and Noble, and http://www.vincestead.com
Article Source: http://EzineArticles.com/?expert=Vince_Stead
October 1, 2013 by Leigh St John
· Comments Off on Senior Citizen Travel – Baby Boomer Adventure Made Simple by Susan Elizabeth
Filed under: Articles
Many people think that when they get to the age of retirement that their opportunity for adventure is over. But the baby boomer generation is an entirely different breed of retiree. They are one of the groups that has made senior citizen travel such a huge and growing ever bigger segment of the travel industry.
There are in fact, probably more travel companies now who specialize in taking older travelers on travel adventures than have ever been in existence before. Part of the reason for this is that there are so many baby boomers; and so many baby boomers who think young, act young and live young.
And part of it is because so many of the baby boomer generation have a little bit of extra money to spend on taking cool trips.
One of the growing sub segments of the travel industry, specifically in the senior travel part is genealogical travel. This is where people want to go back to the country of their family origin to see what life is like back there. Although, this kind of travel focuses on foreign destinations, there are plenty of travel opportunities in the genealogical sector that will allow you to travel to the parts of the US where your family was originally from.
Maybe this is so popular because so many baby boomers were so independently minded growing up that they moved away from their family home, and maybe just because many of the parents and grandparents of the people who are boomers came from other countries. Either way, this is a big deal in travel and if it is something you are interested in, you can easily find all sorts of travel agencies who can help you out with a genealogical travel tour to investigate your own roots.
Another kind of travel that is very popular with baby boomer folks is small group travel. Often in regular travel tours, especially the tour packages, there are as many as a hundred people in the same tour group. And if you are not on a cruise, this is way too many.
The tour companies do this to cut down on the amount of overhead they have to pay the tour guides and the hotels. You will still have to pay whatever fees they charge but you will not get the same amount of personal attention that you would in a small group tour situation. Make sure you check out the tour group size before you book your tour.
Senior citizen travel is alive and well and isn’t going anywhere. As a baby boomer traveler, you can find as many travel opportunities online as you can search for. And more just keep appearing each and every day.
Susan is a full fledged baby boomer and avid internet researcher who writes about baby boomer travel and other senior topics on her site at www.second50years.com.
Article Source: http://EzineArticles.com/?expert=Susan_Elizabeth
The Baby Boomer generation will begin taking early retirement in 2008. In 2011 they will approach the traditional retirement age of 65. As more and more Baby Boomers retire they will put a tremendous strain on the Social Security system. So far, no significant changes have been implemented to lessen the impact Baby Boomers will have on the Social Security system. The longer any action is delayed the more drastic the changes will be. Will these changes affect you? If you were born between 1946 and 1964, then you are officially a Baby Boomer and will probably be impacted by the Social Security funding problem.
The current and projected future financial status of the Governments’ trust funds is presented in the “The 2007 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds (OASDI).” The good news is that the Social Security Administration (SSA) states that there are no plans to reduce benefits for current retirees. In fact, benefits for current retirees are scheduled to continue growing with inflation. However, the 2007 OASDI Trustees Report also states, “Social Security’s combined trust funds are projected to allow full payment of scheduled benefits until they become exhausted in 2041. This means that unless changes are made soon, benefits for all retirees could be cut by 26 percent in 2040 and continue to be reduced every year thereafter. If you are “younger” senior citizen or a want to-be senior citizen, this is not good news
The Trustees of Social Security, the Comptroller General of the United States and the Chairman of the Federal Reserve Board have said, the sooner we address the problem, the smaller and less abrupt the changes will be. The independent, bipartisan Social Security Advisory Board has also said: “As time goes by, the size of the Social Security problem grows, and the choices available to fix it become more limited.” Addressing the problem now will allow today’s younger workers planning for their retirement to have a better assurance of the future of Social Security. The problem has not been addressed as of 2007.
If Social Security is not changed we have a limited number of options in the future. The options are to increase payroll taxes, reduce the benefits of today’s younger workers or borrow from the general fund. Social Security’s Trustees state, “If no action were taken until the combined trust funds become exhausted in 2040, much larger changes would be required. For example, payroll taxes could be raised to finance scheduled benefits fully in every year starting in 2040. In this case, the payroll tax would be increased to 16.65 percent at the point of trust fund exhaustion in 2040 and continue rising to 17.78 percent in 2080. Similarly, benefits could be reduced to the level that is payable with scheduled tax rates in every year beginning in 2040. Under this scenario, benefits would be reduced 26 percent at the point of trust fund exhaustion in 2040, with reductions reaching 30 percent in 2080.”
Social Security was never meant to be the sole source of income in retirement and that especially applies to the Baby Boomer generation. It is often said that a comfortable retirement is based on a “three-legged stool” of Social Security, pensions and savings. American workers should be saving for their retirement on a personal basis and through employer-sponsored or other retirement plans. If a Baby Boomer is not preparing for retirement with a pension and/or savings to supplement their Social Security benefits, they will have to delay retirement or continue working part-time.
Glen Jensen is a writer for [http://www.SeniorCitizenDirectory.com] which is a site that provides Senior Citizen Information.
Article Source: http://EzineArticles.com/?expert=Glen_Jensen
As the members of the Baby Boomer generation have begun to reach retirement age, they have completely turned the traditional idea of the “sunset years” on its ear. The senior citizen of today is nowhere near ready to slow down, and has more opportunities than ever before to continue enjoying life to the full.
If you’re a senior citizen who’s been exploring life’s possibilities, you’ve undoubtedly thought about traveling. Finding vacation packages geared for seniors is easier than you can imagine, whether they be guided tours, travels with a church or other social group, or simply flying solo. But one sometimes overlooked senior travel possibility is the cruise ship vacation.
The cruise vacation industry has grown exponentially over the past ten years, and most cruise lines operate several different ships in a variety of classes. They have made their ships to accommodate, and fill their cruises with so many activities that you’re sure to find the one which is perfect for you.
Here’s a list of just some typical daily activities aboard one of the leading cruise lines:
– Low-impact aerobics
– Sunrise stretch class
– Napkin folding
– Shopping and island information talks
– Party Bridge
– Golf putting tournament
– Art auction
– Cash prize Bingo
– Island music poolside
– Slots tournament
– Perfume seminar
– Jewelry and Cash Bingo
– Blackjack tournament
– Piano music
– Cocktail music
– Piano bar entertainment
– Dance music
– 50s and 60s Trivia
This list, however, doesn’t include anything about the shipboard stage entertainment, the offshore excursions, or dining. Nor does sit mention the ship’s library, pool tables, onboard shops, and private deck areas along the ship’s stern where you can simply stretch out on a lounge chair and watch the clouds and ocean drift by.
Most cruises will offer lectures and seminars on everything from the culture of your next port-of-call to the wines being offered with the evenings’ entrees. If you love the food, you may be lucky enough to sit in on a cooking lesson with the ship’s chef (or even a visiting celebrity chef!) One cruise line will even let you earn SCUBA certification before you reach the next great coral reef.
The stage show offered of today’s cruise ships are every bit the equal of what you can expect to see in Las Vegas, complete with pyrotechnics, laser lighting, and huge casts of dancers and singers. Royal Caribbean has three ships with ice skating rinks, and even if you think your skating days are behind you, you can still enjoy their version of the Ice Capades! Vaudeville is alive and well on cruise ships, when you’re in the mood for sheer silliness.
Most cruise ships have cocktail mixers at which you can mingle with your shipmates, and most of them also have dance floors where you can strut your stuff. The casinos and Bingo parlors are great for fun on the days you’re at sea, but the ports-of-call you’ll visit are really the highlights of your cruise. Pulling into a tropical bay with balmy breezes and 75° temperatures when the folks back home are bundled up against the snow, and strolling along a deserted beach or playing a round of golf on one of the world’s elite courses are just some of the unforgettable experiences you’ll enjoy on your cruise.
You’ll never have a safer vacation environment than that of a cruise ship. Regardless of whether you’ll be traveling solo or with family or friends, you can relax completely and let yourself be pampered just as you’ve always dreamed. The only thing you won’t like about your senior cruise ship vacation is that you waited so long to take it!
myroadtotravel was created in late 2007 as way for my wife and I to do what we love most…Travel. We love to share our experiences with others and have recently created our first blog [http://www.myroadtotravelblog.com] to help us do just that. Through this blog, we offer travel tips, our own personal experiences/adventures and photos from our vacations. Please stop by and give us your feedback and remember, for all your travel booking needs please visit us athttp://www.myroadtotravel.com
Article Source: http://EzineArticles.com/?expert=Tim_Roseland
Reaching your golden years is a great accomplishment. It is in fact one of the best things about living in the times that we do. There are so many opportunities and activities available now that did not exist previously, that it is almost impossible to take advantage of them all.
Senior citizen assisted living is one of those ideas that has come of age in a time when there are more people than ever who are retiring. The baby boomer group is the largest demographic group on the planet and many of them are reaching retirement age right now.
This has created a need for all manners of senior retirement arrangements that range all the way from complete and total care, kind of like the nursing homes used to be, through senior assisted living facilities which help seniors maintain all the independence they can for as long as is possible, to active adult retirement communities where often the primary focus is one golf or some other sport.
This range of choices is absolutely unprecedented in our society. Not only that, but with the touch of a few buttons on the computer keyboard, the internet springs to life and brings you tons of information about all these various living arrangements so you can decide exactly what kind of facility you need.
Assisted living facilities do a great job of tailoring specific service plans for their residents. This means that each person gets the care they need on an individual planned out basis. The goal is to not change the senior person’s lifetime of habits or lifestyle but still make it possible for them to receive the care they need to live a great and fulfilling life.
There are many of these facilities in many locations and each of them is a little different in what they have to offer their residents. The types and levels of services offered can be quite different one state to another, and because the industry is overseen more by the individual states rather than the federal government, it is important to make sure that the kind of care you need is available in an assisted living facility in the state that you are thinking of living in.
It is not that any of the care is worse in some states than in others, it’s just that the laws and regulations are a bit different. But as fare as getting the help you might need when you are living in a senior citizen assisted living community, all of them deliver exactly what you need. And not more than you need.
The goal is always is keep the most amount of independence possible and in the retirement community world, the assisted living facilities do the best job overall of juggling between providing care and maintaining independence.
Susan is a full fledged baby boomer and avid internet researcher who writes about active retirement communities and other baby boomer topics on her site at www.second50years.com.
Article Source: http://EzineArticles.com/?expert=Susan_Elizabeth
Whether seniors are enjoying time on the golf course, a cruise to the Bahamas, or just visiting the grandkids there are a lot of great new technologies on the market to make their lives easier. The new Amazon tablet known as the Kindle Fire can be ordered right now for $199.00, and ships to consumers November 15, 2011. Users will be able to watch movies, play games, listen to music using a vibrant color touch screen with an extra wide viewing angle. The 199.00 Kindle Fire can be used for web browsing, checking email, and reading books and magazines.
Just think of having all of that computing power in your pocket for only 199.00? Senior citizens can carry only one thin tablet around instead of stacks of heavy books. No more need for a bulky laptop on all of those trips, saving seniors from experiencing shoulder pain. With the easy to use interface seniors only need to touch the screen to surf the web, finally a tablet computer that is easy for the whole family to enjoy. The Amazon tablet weighs in at 14.6 ounces and has a super durable display screen that won’t scratch or break.
Just think of having every Agatha Christie book on one device! The Amazon Kindle Fire has an 8GB internal memory. That is enough for 80 apps, plus 10 movies or 800 songs or 6,000 books. You could have every Humphrey Bogart movie right there to watch on the plane. Many senior citizens are moving onto the Internet as a way to connect and share information with their kids, grandkids, and friends. With the baby boomers retiring soon, there is going to be a huge wave of seniors who have tech skills and the desire to own and operate the latest in technology whether it is a laptop, touch pad, smart phone, or camera. Seniors are moving onto Facebook, using Google, uploading pictures to Picasa and chatting with their friends on Skype or using Google chat. Now, for these seniors who are on the move, they can take all of their entertainment with them, on one small Kindle Fire!
Here are some tips to know if a tablet computer is right for you:
1) If you aren’t using your computer for word processing. Touch screens are not comfortable for typing unless you get an external plug in keyboard.
2) If portability is more important to you than functionality.
3) If you are a new computer user and want something that is easy to use instead of extremely powerful.
If you are interested in buying a new computer and want something cheap but powerful and extremely easy to use, think about the Amazon Kindle Fire. For more information on how to buy a Kindle Fire or for technical help, check your local seniors focused tech help company.
Amy B. Sycamore is a technology specialist who focuses on senior citizens. She works as a computer tech in Naples, Florida helping seniors get on the web.
Article Source: http://EzineArticles.com/?expert=Amy_B_Sycamore
For senior citizens, sometimes it feels like time is running out. The oldest of the baby boomers entered the realms of becoming seniors several years ago. This large group of the population has been influencing markets for years and still do so. Now as they enter the twilight years, they must come to realize that their youthfulness has been spent and there may not be that many more spring times left. Health and wellness is still an issue.
Many seniors have already commenced vigorous pursuit of the completion of their “bucket list” which includes the experiences they want to have before they leave this earthly existence. It’s time for this segment of people to be concerned with themselves and to do the things they enjoy while they still can do them.
If and when good health and a stable mental capacity leave a person, it then becomes too late to pursue the interests which may be there now. Senior citizens are able to have active, busy lives full of productivity and enjoyment.
Because money is not plentiful for a number of seniors, many are working menial jobs at stores or fast food outlets. The reasons for doing so may be varied such as for extra income necessary to make ends meet or to simply have a place to go and enjoy the company of other people. Many are searching for home based businesses as a means of supplementing their social security or other meager retirement income.
Although there are thousands of wealthy senior citizens, there are undoubtedly many more who struggle in their daily lives. They find it difficult to pay for necessities like shelter, food, and medications. Some seniors find life has little meaning, but it does not have to be that way. Keeping one’s mind and body active helps a person feel better and act younger.
Dorothy Dale Kloss is an example of someone who is young at heart and young in actions although at age 85, she is the oldest showgirl in the Universe according to the Guinness Book of World Records. Dorothy decided she needed something to do fourteen years ago so she auditioned with the Fabulous Palm Springs Follies. She got the job and now dances at about nine performances each week. She has been dancing since she was five years old and obviously loves to dance. Upon seeing and meeting her, there is no way that anyone would guess that she is 85.
Although time may be running out, seniors can still find ways of being productive, engaged citizens who can still enjoy life to the fullest.
Irene Mori lives near the Nation’s capital where she is able to regularly experience the happenings of the government. She is involved with home based business and network marketing. For information on an affordable money making opportunity with a company which provides discount savings on everyday purchases and cash back for online shopping along the chance to make some extra income, visit http://www.moremlmsuccess.com.
Article Source: http://EzineArticles.com/?expert=Irene_Mori
Many senior citizens just won’t retire. They are ambitiously alive. They stay busy. They love what they do. They are not putting off retirement because of economic issues. They either own their business or are in a situation in which their business gives them so much permission that the business can do quite well without them. That is, of course, a fortunate place to be. They are in incremental retirement. They are doing it in stages. For the most part, they don’t keep rigid or strict hours. They are fully aware of what’s going on in their business or their lives, but they don’t obsess over it. An acquaintance is, at 70, building a new office and expanding his business. It is not to “make more money” for himself. He gives it all away to his family and causes he believes in.
Another person travels a great deal, sometime in a humongous motor home. He is quite well off, but he chases around Texas doing what he does for his business.
Still another is a retired judge, but still a practicing lawyer. He and his spouse spend enormous time enjoying themselves with frequent travel forays and maintain an elegant antebellum home in East Texas. When home, he still keeps a busy roster of clients.
Incremental Retirement, whether continuing to pursue business or professional interests, is a healthy way to retire. It doesn’t have to happen all at once. One need not surrender the things of ones previous life all at once. Keeping up with events and excitement in ones “career” world is a healthy way to stimulate body, mind and soul.
Incremental Retirement means you may do it on your own terms. You can plan to have a three-month hiatus, while the wheels keep turning. You can generate new excitement and energy for living. You can even expand your career interests in ways that will provide further for family, charity, a foundation, and a life of absolute satisfaction.
So, look at Incremental Retirement, if you are fortunate like many senior citizens, which may round out your life in enormously gratifying ways.
Article provided by Dr. Jerry D. Elrod. Dr Elrod, and his wife, Dr Sharon Shaw Elrod, manage Senior Citizen Journal online. For information on retirement, Baby Boomers and everything related to Seniors, please visit my blog at http://www.seniorcitizenjournal.com/. Links to other Senior Citizen Journal pages can be found on the blog.
Article Source: http://EzineArticles.com/?expert=Jerry_Elrod
Are you one of the many members of the never-aging Baby Boomers Generation caring for elderly parents who don’t live nearby? Or perhaps they are close, but work keeps you too busy to get over to check on them daily? Would you like something made just for them to help them in the event of a fall or sudden illness?
My senior parents and their friends have wrestled over this situation themselves and we’ve come up with a couple of good resources. One dear senior prefers a personal emergency response system using an emergency pendant around her neck. Relatively inexpensive and very easy to use, these necklaces as well as the wristwatches they also offer, are usually monitored 24/7 by the alarm company.
If your senior parent falls or feels suddenly ill and can’t get to the telephone, they just push the button on their medical alert device and an operator should answer right away. If they push the button but are unable to speak, the operator should then call 911 for them automatically. Our friend has used hers 2-3 times over the last few years and been so grateful she had it.
Of course, you’ll want to use a reputable company. I always like to check for a good recommendation such as the Better Business Bureau or Good Housekeeping.
Another option that my senior mom and I prefer is a cell phone specifically made for senior citizens. We personally think that Jitterbug makes the best cell phone for seniors, as she has been using one for the past two years and loves it! It’s a flip-phone style of cell phone which means she can’t accidentally call someone from her purse or pocket. (My old “candy bar” style phones used to do that all the time! It drove me crazy and it would totally confuse our sweet elderly relatives.)
It has large numbers which are easy to read – always a great thing for cell phones for senior citizens! It is geared to work easily with hearing aids. Seniors have the option to dial their own phone numbers, use the menu to select the person they are calling, or just dial 0, like they once did when they were much younger. Just like then, an operator will come on the phone to help them in any way they need, including placing the call for them.
The reason we prefer the Jitterbug cell phone for our elderly parents is because they can keep it with them in their pocket. If they go for a walk and have a problem, they’ll have it right there with them. Unlike the medical alert device, it will work anywhere, not just at their home. And I love it for shopping! When we go to a big store, my senior mom can enjoy shopping at her own pace, while I grab my items or sit and write. When one of us is ready to meet up, we’re each just a simple phone call away. You will love the peace of mind it will give you!
The Jitterbug large and simple cell phones for seniors are a wonderful gift for our senior parents AND for our own peace of mind. To find out more about how these great senior cell phones can help you and your beloved elderly relatives, just pop over to SandwichINK – http://www.SandwichINK.com. There you will find plenty of resources to help you, as you are busy caring for your elderly parents.
Article Source: http://EzineArticles.com/?expert=Kaye_Swain
Many senior citizens know that one of the contributors to Emily Post’s success came when more and more people wanted to know how to behave in social situations. Letters of inquiry launched a career, still a part of Americana. Her answers became legend and law and revisions have been made as necessary throughout the decades.
There are new questions today, necessitated by a changed and an ever changing social environment. These questions arise as legitimately as they did when persons wanted to know which fork to use.
But today’s questions have more to do with sensitivity to social crises than to table manners. They are questions that come from every generation. No age group is immune. Seniors, whose experience may be sharpened through years of experience, are nonetheless often caught in situations new to them and are frequently in need of advice.
Here are some of the surprises and dynamics that may confront us all:
Q: A friend sends an invitation to a wedding of one of their children. The bride is pregnant and marrying someone of another ethnic background; how do you handle it?
A: You handle it as you would any invitation. If you are available and wish to attend, you reply accordingly. You purchase a gift which you have sent or take to the occasion. You exercise 100% genuine courtesy, thoughtfulness and participate as a friend who cares and is delighted to have been invited.
Q: Someone special in your circle, friend or family, is going through an experience of terminal illness with someone in their family; how can you be present to them during their uncertainty and pain?
A: Exercising compassion and presence is an absolute top of the list must. Authentic presence, in body or not, is the best extension of caring there is. Caring Bridge is a web site where many persons going through this experience are available to receive messages of caring. Direct contact, without overdoing it, is always welcomed. Telephone calls, timed appropriately, are very intimate and personal. Greeting cards, offers for assistance, dropping by with a platter of cookies are expressions of affection. Listening is the most precious gift of all. Offering a shoulder follows that.
Q. Someone in your acquaintance has lost a significant portion of their retirement nest egg. They aren’t sure what lies ahead, how can you be helpful?
A. While you may not be in a position to rescue them from their financial catastrophe, you can be in a position to assist strategizing with them a means for coping and moving forward. It will be painful. It may offer some dead ends, but their having someone to assist them to hold up the ceiling, when it feels as if it is crashing in upon them, will be a gift beyond measure. It is the age old story for senior citizens. Etiquette is another way of showing respect, offering generosity and grace, especially when it takes into account the deepest respect for and needs of others.
Article provided by Dr. Jerry D. Elrod. Dr Elrod, and his wife, Dr Sharon Shaw Elrod, manage Senior Citizen Journal online. For information on retirement, Baby Boomers and everything related to Seniors, please visit my blog at http://www.seniorcitizenjournal.com/. Links to other Senior Citizen Journal pages can be found on the blog.
Article Source: http://EzineArticles.com/?expert=Jerry_Elrod
The other day, I was talking to a mobile detailing entrepreneur in the state of Florida. He been doing business an awful long time, but he also noted that unemployment in the state just hit 8.8%. It wasn’t like this in the past where he could go to any office building, and all the workers were flush with cash and paid him for an executive $20 wash, and a $125.00 detail every other month. Today, he is busy trying to find any customer he can, and he asked me a very interesting question.
He told me that many of the customers in the retirement resort gated communities were asking him for a senior citizen discount. I told him that would be rather tough because almost everyone in those facilities, living between the fairways and the golf courses was a senior citizen. You might as well just lower the price and give it to everyone, or raise the price and let everyone get the discount, either way the concept of a senior citizen discount in Florida is rather silly.
Further, retired folks like to talk a lot, and they have nothing better to do but sit there and watch you detail the car, this could actually slow you down, and then they want to tell you all about their grandchildren, like you have time, you need to get to the next car to make some more money so you can afford to put gas in your mobile detailing rig because even that is up to four dollars a gallon now. Of course, the seniors do like to get a discount or least feel they are getting a discount, so maybe it is time that you rearranged the prices on your menu flyer, perhaps raising them 10 or 15%, and then giving the senior citizens a 20% discount.
Another issue that you may not have considered is that the baby boomers are retiring in record numbers, and they’re all hitting age 55 or 60. It might even be possible now to tell people that if they are only 65; “hell you are still young, you could probably wash and detail your own car, so I can’t give you the discount, I only give the senior citizen discounts to people 90 years old or older.” They might get a laugh about that, but maybe you can set your senior discount age at 70 or 75. If you are in the state of Florida like my acquaintance, you’ll still have plenty of customers take you up on the offer.
Well that’s all for now, if you have other questions or concerns you may shoot an e-mail. Until then I hope you will please consider all this and think on it.
Lance Winslow has launched a new series of eBooks on the Mobile Detailing Business. Lance Winslow is a retired Founder of a The Detail Guys, a Nationwide Franchise Chain, and now runs the Online Think Tank; http://www.worldthinktank.net
Article Source: http://EzineArticles.com/?expert=Lance_Winslow
As baby-boomer pet parents reach retirement age it is common to think about putting aside the dog collars, pet clothing and dog harnesses and retire from being pet parents. This is especially common as a beloved pet may die. The usual questions of a grieving pet owner are magnified by older pet owners. The only real questions with younger owners concerns whether or not they miss the joy of pet ownership and whether they still possess the desire to take on the responsibility of another pet. As the pet parent ages, more questions have to be asked. The age and health of the human along with whether or not the needs of particular pets can be managed are the most important questions for aging pet parents.
The primary question concerns whether or not a pet is beneficial for aging people.
Many seniors crave and miss nurturing. Often, a lifetime of nurturing has defined a person, first as a parent, friend, spouse or grandparent. With children and grandchildren growing older, nurturing may no longer required on a personal basis. Senior citizens may find the circle of friends narrowing as interests change, people retire and move, and activities lessen. Having a pet to nurture, and providing that pet with food, comfort, exercise, toys, play and companionship can fill the void in a changing life.
As the years pass, people may find their lives boring and lonely. Having a pet cat or dog can fill this void. Taking care of a pet can provide meaning and provide positive feelings of caring for another being. A pet can provide structure missed by people following the routine of working outside of the home. Caring for a pet provides some structure: time to eat, time to play and go outside, time to be combed, time for naps. At the same time, the pet parent has a role: to take care of the pet. This sense of responsibility provides structure as well as a sense of being needed.
Another plus for seniors to have dogs, is for the protection a dog can give. Seniors are often prey for intruders since the resistance of a senior citizen is perceived as being lower and often it is known that there are less people living in the home. However with a dog, the fear of barking or being bitten inhibit the activities of intruders to that home. Research shows that homes with barking dogs are violated fewer times than homes without dogs. Dogs provide safety to seniors.
Another benefit of a senior owning a dog is that it makes them more active. Owning a dog will compel the senior to live a more active lifestyle then if they are by themselves. The dog will need to go outside to use the bathroom; feeding and grooming must take place. These simple activities will give the owner exercise. Matching the activity needs of the pet to the activity level of the owner is an important factor to consider in deciding what kind of pet or breed is best for both the senior and the pet.
Aging pet parents need to think about the future of their pets as time goes on. A plan for pet care should be arranged so that if a hospitalization is necessary, or a period of recovery in the home should occur, the needs of the pets need to be met in those circumstances. Pet care in the home of another, kennel care or acquiring the assistance of others to provide assistance in the home are all necessary elements of a pet care plan. Pet parents of every age, but especially senior citizens need to investigate alternatives in the dire case of having to give up the pet. This author strongly suggests that “no-kill” pet shelters need to be listed in the plan in the direst situations.
Overall, a senior owning a pet is an excellent idea. Dogs and cats provide excellent companions and safety to senior citizens. Studies show that seniors with pets are happier and live longer then seniors without pets. Preparing the home properly with crates, dog collars, cat harnesses and pet beds coupled with preparing plans for all contingencies will make for happy seniors and their happy pets.
Kay Catlett [http://www.PetCollarStoreAndMore.com]
I believe that as we are humane to our pets, they make us more human. My online pet store has carefully selected products at competitive prices.
I welcome your input on what products you like and want me to carry.
Article Source: http://EzineArticles.com/?expert=Kay_Catlett
Someday you may come to the realization that you have become a senior citizen. When we are young, we think old age is so far off that we never worry about reaching it. We generally feel good physically and cannot imagine a life which includes aches and pains on a daily basis. Life is enjoyable, and movement is easy.
Of course, there are exceptions to every rule. Some young people have to endure health struggles or are prone to emotional instability. They may have trials and problems of great magnitude. Everyone wants to be healthy and able to enjoy life, but it does not always work out that way. Yet the majority of young people are able to at least cope with the experiences and hardships which come as a part of daily living.
As the baby boomers enter the realms of senior citizens, they have brought a new enlightenment to the older generation. They have been a segment of society which has created trends and moved markets. Now that they are getting older, it does not mean that they are any less interested in good health and wellness. They are a generation which has brought new meaning to the concept of being a senior citizen. They want to stay young and vibrant. Many baby boomers have seen great success in their lives, and they are used to having a good life. They will make sure that their quality of life continues.
Realizing that you are a senior citizen is not a bad thing. It does not have to be a signal of being old. There are many senior citizens who continue to work and contribute meaningfully to society. There are others who have retired but who engage in service related activities. There are those who make the most of life and live it to its fullest by traveling or having new adventures.
Nutritional supplements are plentiful on grocery and drug store shelves. Several network marketing (MLM or multi-level marketing) companies which sell these products are catering to senior citizens. The huge market of liquid nutritional supplements is targeting customers among the older generation. These companies also provide ways for seniors to earn income if they are interested in buying and promoting products. They offer a home based business opportunity which can be done at any age.
Although realizing you have become a senior citizen is a reality of being in your twilight years, it does not mean that life has to suddenly change drastically. There may be opportunities for more enjoyment with family and grandparenting. Many of the same or new activities can have new meaning, and life can be good.
Discover an affordable and easy program for saving and earning money by visiting: http://www.moremlmsuccess.com.
Learn about emergency preparedness and food storage or starting a home based business in this area, by checking out: http://www.preparedforlife.net.
Article Source: http://EzineArticles.com/?expert=Irene_Mori
Are you in the hate-to-admit-to-aging Baby Boomers Generation caring for elderly parents? Me, too! And, like me, I’ll bet you are also always on the look out for creative ways to multiply your time, easily multi-task, and find helpful tips to be able to get more accomplished with less time.
One thing that has helped my senor mom and myself is when she finally agreed to try out one of the Jitterbug cell phones for senior citizens. These large and simple cell phones for seniors are truly easier for them to use and even include the option to just dial O for the Operator who will then make the phone calls for our senior parents. She is actually quite proud of herself that she hasn’t had to resort to that, but it’s nice to know that option is available.
Cell phones for some seniors who have never done much in the “technology age” is a harder hurdle to overcome than most might think. It took me four years to talk her into one of these. My mother-in-law, on the other hand, dove into the tech world with glee. She taught herself to use a computer and uses a regular cell phone just fine. She may someday switch to the Jitterbug, but for right now she is quite content. My senior mom, though, wouldn’t change her Jitterbug for anything and considers them the best cell phones for senior citizens!
I totally agree with her BECAUSE of the peace of mind it gives this Baby Boomer along with the handiness it provides when I can easily call her where ever she is and where ever I am. We especially love it when we’re out shopping. Since she no longer drives, I can take her to her favorite Walmart. She can go off and do her shopping while I go get mine, saving us both time. Or, if I don’t need to shop, I head for the McDonald’s that’s in the Walmart. I can then sit there and write to my heart’s content. With my notepad and my iPhone, I’m able to be quite productive, knowing that if she needs me for anything, she can just give me a call on her Jitterbug cell phone. Before, we either had to stay together, or spend considerable time looking for each other all over the store.
I would not give up my smart phone for anything. I call it my brain and I’m not joking since it has so much valuable information stored in it. But I am so grateful for the simplicity of the Jitterbug cell phones for senior citizens and how much easier they’ve made my life as well as hers!
And, if you pop over to http://www.SandwichINK.com and read Caring for the Elderly Parents in the Family: Why Cell Phones for Senior Citizens or Medical Alert Devices are a Wise Investment, you’ll discover another vital reason I really appreciate my mom’s agreeing to get a Jitterbug cell phone for seniors!
Article Source: http://EzineArticles.com/?expert=Kaye_Swain
Now that you are 50 or 60 or 70 or so, how much have you changed? As a senior citizen in retirement, do you still see yourself as you were 10 or more years ago? What experiences, dramatic or subtle, have changed the mold you always saw yourself fitting?
Here is an illustration giving proof that some people really don’t change their patterns. A man in his early 70s is still acting out and living as if it were 50 or more years ago. No change, no recognition of the need for it. Old prejudices, bitter cynicism are the hallmarks of his life. Just as his outward expressions reveal his inward retardation, he is being eaten alive by a terminal illness. Is there anyway to get through to people who don’t even understand themselves? How can exercise compassion and care and thoughtfulness for others, if they don’t even see the need for those emotions within themselves?
This is an alert. It is time for aging senior citizens who have decided to live in the boxed-in, never gonna change kind of existence, to either decide to isolate themselves completely or change. Isolation is not desirable, at whatever age. Punishing others by absenting yourself from the world going on around you is only a punishment to yourself. It isn’t the rest of the world that has a problem. It is you!
Resisting change is no indication of brilliance. It is instead, a sign of insecurity, inability to cope, unwillingness to evolve. Do you really want to be the way you have always been? Sounds comfortable, but at last it is an indicator of disconnect. There are a lot of memories and joys from your past to which you may cling. But, finally, one must admit they can’t remain forever a part of your life and being. Right now, resolve to begin working hard on eliminating some of the “things” which still hold you. There is a time for letting go.
It may be relatively easy, and certainly inevitable, to have to let go of those “things.” It is more of a struggle to deal with the chains, as in Dickens’ Marley, which enslave us. Aging senior citizens may find a good read this Christmas in “A Christmas Carol.” As you read it, reflect on how much like Marley or Ebenezer you have become.
Article provided by Dr. Jerry D. Elrod. Dr Elrod, and his wife, Dr Sharon Shaw Elrod, manage Senior Citizen Journal online. For information on retirement, Baby Boomers and everything related to Seniors, please visit my blog at http://www.seniorcitizenjournal.com/. Links to other Senior Citizen Journal pages can be found on the blog.
Article Source: http://EzineArticles.com/?expert=Jerry_Elrod
Gift ideas for senior citizens can be perplexing. Not to worry, I have 5 tips to help you find the perfect gift for seniors citizens in your life. Many gift givers have the perception that as we age, we have accumulated everything we need in life. In some case that may be so, but, just because we are getting older, does not mean we don’t enjoy or appreciate a meaningful and well thought out gift.
Tip #1 As we age, our needs change. Our thoughts focus on our past, what we accomplished, what we wanted to do, but postponed due to life’s responsibilities that came our way. Many fondly recall the dreams, plans and hopes of their youth. There are many that have things in their life that they miss or wish they had a chance to do. Now, because of their age, they think that this is no longer a possibility. Trust me, there is a gift giving idea in those postponed dreams and plans. And all you have to do is discover what they are.
Tip # 2 Every aging senior has different personalities, lifestyles, interests, financial and health situations. This should be considered when exploring gift giving options.
Take time to consider the senior adult for whom you want to choose the perfect gift.
Are they an active senior, with lots of ability to get around independently? Are they involved in church, community or group activities? Do they live alone? Do they have limited access to social functions or activities due to illness or inability to drive? What keeps them from getting out an about? Do they have hobbies or outside interests? Have they had a change in their physical or mental abilities that has affected their lifestyle? Are they able to take care of their home environment, yard or pets? Is their financial situation a problem or is money never a concern? Are they an individual that is open to trying new things? Or are they an individual set in their ways?
More Gift Ideas for Senior Citizens Perplexing You? 5 Tips to Finding the Perfect Gift for Baby Boomers…
Tip #3 To accomplish the goal of finding the perfect gift for the aging senior in your life will take a little thought and exploration on your part. Take time in your everyday conversations to ask questions about the past and the present interests. Make this a part of your regular conversation. Gift ideas will present themselves. Don’t hesitate to ask “Is there any thing that you wished you had done?” “Is there any thing that you miss doing or would like to do some day?” “Have you ever considered ________(this may be dancing lessons, painting, doing wood working, trying a computer etc) ?”
Tip # 4 If you have done your exploration, you should have come up with some great gift ideas. Or maybe you still feel stuck on finding the perfect gift. Now it is time to be creative. If you have assessed the aging senior’s situation, you can determine what is important to them. Would they benefit from some special one on one time with you? Spending uninterrupted and unrushed time, to do something that your aging senior will enjoy, not only will be appreciated, but will have the benefit of creating a memory for you and your aging senior. If they are an active senior, they may be open to trying something new and different. You may want to plan a trip or activity that would be fun. Don’t forget that learning is a lifelong activity. Check out the local colleges, YMCA’s and online courses that may be of interest to your aging senior. You may be able to introduce a new hobby or activity that will improve or maintain mind and physical fitness.
Tip #5 Do not discount home made gifts or projects. Plan a family project where the entire family can get involved. You may want to create a family tree, organize family pictures. Create a slide show with old family pictures and have your senior incorporate family stories behind those pictures. Or create a video of your aging senior talk about the family history. This could be an on going project with a planned family debut. Plan a party and ‘red carpet’ event for the entire family to view.
Finding gift ideas for seniors can give you an opportunity to learn and create a stronger bond between you. Finding a gift for baby boomers is giving something needed, something wanted or something they have longed for, but never expressed. Given with lots of love, will make it the “perfect” gift.
Diane Carbo Registered Nurse has more than thirty five years in the nursing field. Her experience as a geriatric care manager, makes her uniquely qualified to help those who want to live out their lives in their own homes. Diane has developed a web site to make people aware of issues and options. You will find the answers to many of your questions as well as helpful information that will be continually updated. Please visit http://www.aginghomehealthcare.com/gift-ideas-for-senior-citizens.html for more information on gifting baby boomers and senior adults. Sign up for The Caring Advocate Ezine her free newlsetter and receive a complimentary copy of the Home Health Care Planning Guide.
Article Source: http://EzineArticles.com/?expert=Diane_Carbo
Article Source: http://EzineArticles.com/2267649
2009 offers opportunities and activities for creating a life satisfying series of days and moments. A year doesn’t happen all at once, even for senior citizens who decry how rapidly time flies. The Senior Citizen age is an everyday, minute at a time process. We surprise ourselves when we discover what we can do with time. The first goal of a senior citizen is to make every day productive.
So, here are some early New Year clues for filling life’s days with satisfaction.
1. Convince yourself that being of Senior Citizen age is a plus. Plan daily activities that under gird a positive attitude. Read books that enable your being a positive person, engage in exercise that assists your health and mobility. Look for one task to do that gives you a sense of accomplishment.
2. Identify one thing that you are exceptionally competent in doing. Do not limit yourself to the ordinary, but stretch yourself to find something you might have never considered undertaking: for men, how about knitting or cross stitching; for women, being able to work on your car.
3. Set a goal of the number of books you will read within a month’s time. Choose books you always told yourself you wanted to read.
4. Choose one volunteer activity per month that will give you a sense of community and interactive pride. Find something that allows you to be with persons whom you don’t normally identify as friends.
5. Work on your spirituality. Note, the word is spirituality, not religion. Identify with some group, spiritual discipline, devotional exercise which will enlarge sense of self worth.
6. Study your diet. Work with your spouse or significant other or a dietitian to be sure you are eating well and assisting your health with healthy meal planning.
7. If you need more to do, consider an unusual hobby. There are no limits on solid and available opportunities.
8. Get a good night’s sleep! Recommended sleep is 8 hours per night. Determine what schedule works best for you. Try not to vary it.
Finally, review your progress in meeting your goals to create a life satisfying pattern for yourself. Keep a Journal so that you may evaluate your progress or lack of it. In a few months, you will have created new, healthy habits and activities which will contribute to your life’s satisfaction as a Senior Citizen.
Article provided by Dr. Jerry D. Elrod. Dr Elrod, and his wife, Dr Sharon Shaw Elrod, manage Senior Citizen Journal online. For information on retirement, Baby Boomers and everything related to Seniors, please visit my blog at http://www.seniorcitizenjournal.com/. Links to other Senior Citizen Journal pages can be found on the blog.
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If you are a senior citizen and do not have health insurance, the thought of having to go to an emergency room in case of illness may be troubling you. You should have planned for your retirement but if you did not include the details of having Health Insurance after you retire, you are at the mercy of the ER and without coverage you may even have to forego treatment. For many people in the US, health care costs often result in bankruptcy even when they have insurance because not all illnesses are covered by the policy. When it can happen to the people who have insurance, it can be a nightmare for those who do not have it.
In recent months, the issue of health insurance for senior citizens has received extraordinary coverage and attention in the US because of President Obama’s plan to have universal health care available to all citizens. This measure from the Obama administration has drawn critics and supporters alike and the battle lines are drawn in an increasingly bitter battle. The issue at stake is whether there should be a public option that would enable the senior citizens access to health care provided for by the government. The public option does not guarantee free coverage but includes an option for the employers and the government to provide for an eventuality.
Senior citizens need healthcare and they need it more than the other age groups as they need access to quality medical assistance because of their advancing age that makes them vulnerable to disease and disability. It is for this reason that medical care in many countries is free for senior citizens and they have access to the best medical facilities. Likewise, the US should also have a health care system that provides for its senior citizens and ensures that they get proper treatment for their various ailments.
In the context of the baby boomers retiring in large numbers and without the proper tools for some of them to plan adequately for their retirement and health care, there should be a comprehensive plan for access to medical coverage by the insurance companies as well as the government. There are several insurance companies that have special plans for senior citizens as they allow for the coverage with all facilities provided for them. However, there are other companies that do not encourage coverage for senior citizens on the grounds that they are a high risk category and hence the premiums do not justify coverage. There are some commentators who call for an old age premium to be placed on the coverage plan so that senior citizens can get coverage at the rates provided by the insurers, albeit with a premium.
The point that is being made here is that senior citizens better plan for their retirement when they are in their forties and fifties so that they do not become a burden on their children and that they retain coverage beyond retirement and after they are well into their sixties.
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The Vision Council is pleased to announce the launch of www.whatislowvision.org — a new web site created to educate the public on low vision, its symptoms, and the resources available to help.
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As America’s baby boomers enter their senior years, they may notice a gradual loss in some areas of sight. Loss of peripheral or central vision could indicate low vision, a visual impairment that cannot be corrected with eyeglasses, contact lenses, pharmaceuticals or surgery. More than 2.9M people in the U.S. suffer from low vision and it is most common in people age 60+.
What is low vision?
“More likely than not, everyone knows someone with low vision — maybe a mother, sister, neighbor, or co-worker,” said Dr. Paul Michelson, Chair of The Vision Council’s medical arm — known as the Better Vision Institute — and a low vision consultant. “Recognizing the symptoms of low vision early and taking the proper actions may help preserve sight and in some cases, lessen the advance of low vision.”
Low vision can impair the ability to complete activities of daily living or follow routines and enjoy pastimes — such as reading — that people take for granted.
At first, people might notice a bit of distortion in their vision. An object that is straight in reality — a telephone pole, for example — may appear curved or wavy to a person with low vision. A low vision diagnosis is often the result of age-related macular degeneration, diabetic retinopathy, glaucoma, or another aging eye disease.
Low vision differs from presbyopia, which is when the ability to focus on near objects diminishes. Presbyopia, which can be corrected with reading glasses or other optical solutions, typically emerges between ages 40 and 45. Signs of low vision are broader than presbyopia and include:
- Areas of blurred or distorted vision or spots and blotches in your vision
- Shadowed or darkened field of view or noticeable loss of peripheral vision
- A gradual loss of central vision
- Cloudy and blurred vision or exaggerated “halos” around bright lights
- Blind spots in your field of view
Preventive Measures and Resources
Seeing an eye doctor at the first sign of any visual changes can help to detect the diseases that result in low vision. In general, seeing an eye doctor is an important step in maintaining eye health. The onset of low vision is a slow progression of symptoms and the ultimate goal is to maintain remaining sight and prevent further deterioration in vision.
Sometimes, a pharmaceutical or surgical solution may stop further development of one of the diseases associated with low vision, but there are also eye care providers who specialize in low vision. These specialists can introduce patients to low vision devices such as stand magnifiers, closed-circuit TVs, and telescopic lenses that help people affected by low vision maintain independence and improve their ability to perform daily tasks.
Dr. Michelson continued, “We urge people to check on family, friends, and neighbors who might be experiencing some of the signs of low vision. Vision training, vision rehabilitation, and low vision devices can help people maintain and optimize visual function, and preserve as much sight as is possible.”
At the onset of any symptoms of low vision, The Vision Council reminds people to:
- Seek an accurate diagnosis and develop a good relationship with an eye care provider
- Know the risk factors of not maintaining sight and the overall prognosis
To learn more about low vision and find resources, visit www.whatislowvision.org.
”The information and resources on this new website can teach people more about the changes they are experiencing and help them make the most of their remaining vision — which can lead to increased independence and quality of life,” said Dr. Michelson.
About The Vision Council
The Vision Council is the global voice for vision care products, practices, and services. We represent eyewear manufacturers and suppliers in the optical industry by providing education, consumer outreach and advocacy. The Vision Council also serves as a resource to the public who want to learn more about options in glasses and sunglasses, eyewear trends, and advances in technology. Learn more at www.thevisioncouncil.org or find us on Facebook.
CONTACT: Erin Hildreth, The Vision Council, +1-703-548-5089; or Susan Caldwell, Access Public Relations, +1-540-204-4033
Salt Lake Community College was recently chosen to join the Plus 50 Encore Completion Program, a national effort to train 10,000 baby boomers for new jobs in healthcare, education and social services. The program is sponsored by the American Association of Community Colleges (AACC).
The College will assist adults age 50 and over in completing degrees or certificates in high-demand occupations that give back to the community. With many adults age 50 and over out of work or seeking to transition to a new career, the program offers skill updates and career makeovers. Salt Lake Community College will prepare older adults for careers such as pharmacy or ultrasound technicians and medical terminology specialists. In addition, the College’s Transition to Teaching program is offered in partnership with the State Office of Education to prepare students as elementary and secondary educators.
“The Plus 50 Encore Completion Program represents a meaningful, national validation of the work the College’s Division of Continuing Education has undertaken. The program will support individuals who want to design a second career—either out of practical necessity or personal interest,” said Jennifer Saunders, Associate Dean of Continuing Education. “People returning for education and training at this stage of their lives are building on rich employment histories, valuable interpersonal skills, and knowledge achieved through experiential learning. These resources are then being coupled with the most current workforce education.”
The program will be implemented utilizing a variety of strategies, including accelerated classes, flexible scheduling and cohort models, which provide groups of students with similar goals an opportunity to move through a program together.
Since 2008, AACC and its network of Plus 50 Initiative colleges have worked with baby boomers to help them prepare for new careers. An independent evaluation of AACC’s Plus 50 Initiative found that 89 percent of students agreed that college work force training helped them acquire new job skills, and 72 percent attributed landing a job to such training.
“Many adults age 50 and over want to train for new jobs that help others and are hiring, but they need to update their skills. Community colleges offer a supportive environment where baby boomers can train for new jobs quickly and affordably,” said Mary Sue Vickers, director for the Plus 50 Initiative at AACC.
In addition to grant funds to augment training programs, participating colleges gain access to toolkits and extensive marketing resources tailored to reach baby boomers. They’ll also benefit from the advice and support of staff at other community colleges that have successfully implemented programs for older learners and understand the unique needs of the plus 50 student population.
The Plus 50 Encore Completion Program is funded with a $3.2 million grant to AACC provided by Deerbrook Charitable Trust—supporting AACC’s work to increase the number of students who finish degrees, certificates, and other credentials. In April 2010, AACC committed alongside other higher education organizations, to promote the development and implementation of policies, practices and institutional cultures that will produce 50 percent more students with high quality degrees and certificates by 2020.
While the AACC Encore Completion Program focuses on serving the Plus 50 population, Salt Lake Community College welcomes anyone interested in making a career transition to learn more about the broad range of training opportunities available at: www.slcccontinuinged.com.
For more information about the Plus 50 Initiative at AACC, see: http://plus50.aacc.nche.edu.
The Encore Institute at Salt Lake Community College is an innovative program designed for adult learners who want to expand their knowledge through career and personal enrichment courses. The Institute offers flexible class scheduling, non-degree and degree learning experiences and affordable training to deepen or expand the personal and professional skills of students.
The American Association of Community Colleges (AACC) is a national organization representing close to 1,200 community, junior and technical colleges nationwide. Community colleges are the largest and fastest growing sector of higher education, enrolling more than 13 million credit and non-credit students annually. More information is available at: http://aacc.nche.edu.
About the College: Salt Lake Community College is an accredited, student-focused, urban college meeting the diverse needs of the Salt Lake community. Home to more than 62,000 students each year, the College is the largest supplier of workforce development programs in the State of Utah. The College is the sole provider of applied technology courses in the Salt Lake area, with 13 sites, an eCampus, and nearly 1,000 continuing education sites located throughout the Salt Lake valley. Personal attention from an excellent faculty is paramount at the College, which maintains a student-to-teacher ratio of less than 20 to 1.
ElderCarelink.com is hosting the “Share Why You Care” contest that asks caregivers to share stories about their caregiving experiences. Readers vote for their favorite caregiver to win a free spa day and in-home care of their loved one for a day.
January 7, 2013 (VOCUS) Foster City, Calif. – – ElderCareLink.com, a one-stop elder care resource, is hosting a contest this January specifically for caregivers. The “Share Why You Care” contest is designed to give a voice to the approximately 76 million unpaid family caregivers in the U.S. From January 7, 2013 to February 1, 2013 the site encourages these dedicated individuals to share their stories, struggles and memories.
As the first wave of the Baby Boomer generation prepares for retirement, many are finding themselves in caregiving positions because their parents are living longer than ever before. In some cases, plans for a leisurely retirement have been put on hold have so they can be available 24 hours a day, seven days a week for aging loved ones.
“It can be exhausting being responsible for someone else all the time,” explained Vicki DeLuca, spokesperson for ElderCareLink.com. “We want our users and caregivers to know they are appreciated for all they do.”
Caregivers may submit an essay of 300 words or less describing why or how they became a caregiver and what caregiving means to them. Optionally, users may also submit a photo of themselves and those they have cared for. Essay submissions are entered automatically into the competition for a chance to win weekly $50 prizes and the submission with the most votes will be awarded the grand prize of a free spa day and in-home care of their loved one, worth $350.
“Caregivers aren’t always appreciated for all the work they do,” continued DeLuca. “The real value of the ‘Share Why You Care’ contest is that their voices can be heard.”
To see the entries or enter the contest, please visit the contest homepage and follow ElderCareLink.com on Twitter and Facebook.
ElderCarelink.com, a one-stop elder care resource, provides a community of support, advice, and caregiving resources for families in need of elder care. To date, ElderCarelink has provided information and assistance to more than one million families nationwide with finding in-home care, assisted living, nursing homes, adult day care, private duty nursing, and care management services. ElderCareLink.com is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that meet their needs. The company is a leader in visitor-friendly marketing practices. For more information, please visit QuinStreet.com
Jeff Williams proclaims the benefits of starting a business at the age of 50 or older
CHICAGO, Jan. 9, 2013 /PRNewswire/ — Americans over age 50 face a profound dilemma today – the vast majority want to keep working well into their sixties but fewer and fewer of them are welcome in the corporate world, often because of their age. But, according to Chicago-based business start-up expert Jeff Williams, running a business today is a relatively low risk, high reward alternative to a corporate job for these individuals.
Jeff Williams is the CEO and Chief Coach for Bizstarters.com, a nationally known coaching company helping individuals age 50 and over start their own businesses.
Over the past seven years Williams has seen a boom in business startups by people over 50, but he says: “Many, many more older boomers need to seriously look at starting a business if they want to continue to work. And, many will if they understand the new lower cost, higher profit version of small business that’s possible today.”
Williams suggests seven reasons why starting a business is “THE way to work today” for 50+ boomers:
• Your age doesn’t matter when you run your own business. Your customers don’t care how old you are. They only care that you deliver what you promised when you promised it.
• Technology lets you look big when you’re small. Thanks to technology, more and more business owners are working from home, earning $100,000 or more per year.
• New businesses last longer than new jobs. More than 50% of new hires today only last 18 months in the job. More than 55% of new businesses last at least two years, with many running five years or longer.
• You have a lot of people near your age to sell. You have 78 million boomer peers to sell to – they see you as a “sister or brother.” You have 42 million people over age 70 to sell to – they see you as a “son or daughter.”
• It’s never been cheaper to run a business. Many highly profitable businesses today cost less than $500 per month to run.
• You determine your financial progress. You set financial goals as you wish and create plans to achieve them. You are the “boss.”
• You can continue to run your own business for as long as you wish. In fact the IRS gives you a number of ways to legally put away up to 40% of your salary in deferred retirement accounts.
Jeff Williams is widely quoted in articles on boomer entrepreneurs and spoke on the topic at the recent AARP convention held in New Orleans. He offers tips for starting a successful business in his new free digital e-book: “10 Keys to Starting a Profitable Business After 50” available at www.bizstarters.com.
Contact: Jeff Williams, 847-305-4626, cell – 224-300-1820, firstname.lastname@example.org, www.bizstarters.com.
Where to Find Your Retirement-Planning Confidence
(Family Features) With the leisure and reward of retirement a few short years away, the majority of baby boomers – born between 1945 and 1966 – are confident they have adequately planned and saved for their golden years. This is according to new research from investing services company Scottrade, Inc., which also found that 56 percent of baby boomers expect to fully retire between the ages of 55 and 74.
DIY Retirement Planning
Overall, 72 percent of Americans report a strong level of confidence in their ability to plan their own retirement. That confidence comes from two actions: discussing retirement plans and savings strategies with others, and monitoring the news. Thirty-nine percent also said their self-assurance came from the fact that they preserved most of their retirement savings through the economic downturn.
“More online and in-person investment education opportunities are available to Americans than ever before,” said Kim Wells, Scottrade’s executive director of product development and chief marketing officer. “The availability of easy-to-use online trading and investing tools is empowering investors to build their portfolios and take charge of their financial futures themselves.”
Retirement Fund Trends
Scottrade’s research found that more than half of Americans, at 55 percent, are actively planning their retirement without the help of an advisor. This do-it-yourself action plan seems to be working. The majority of Americans did not see the value of their retirement accounts decline last year, and 73 percent reported the value of their retirement accounts either increased or stayed the same.
For Americans who saw a decline in their account value, 67 percent expect to recover those losses within 10 years. In response, a growing number of Americans are looking to save more in order to rebuild their retirement accounts, and 35 percent of Americans plan to save up to 10 percent more.
Staying on Track
For those who are uncertain whether they’re contributing enough to their retirement fund, online calculators make it easy to determine how much should be contributed annually, based on age, income and retirement plan. Check out the retirement calculator in Scottrade’s online Knowledge Center at www.scottrade.com, to help determine how much to save for retirement.
Learn more about self-directed investing at www.scottrade.com, and find more information on the Scottrade 2012 American Retirement Study at http://about.scottrade.com/.
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Seniors Citizens are a high priority in Washoe County
Washoe County is experiencing a rapid demographic shift because of the aging of the “baby boom” generation. Like every community in America, we are evaluating how to provide services to the most vulnerable seniors.
After an April 2, 2012 presentation by Washoe County Senior Services WCSS), the Joint Meeting of the Board of County Commissioners, Reno City Council, Sparks City Council and Washoe County School District Board of Trustees requested that the Department prepare a report on the cost and benefit of increased funding.
The Department offers both a $1.2 million and $2.4 million option.
Please ask your elected officials, in-person, by letter or e-mail, and in testimony at public hearings to support the proposal. The following is a summary:
Washoe County, like all of the United States, is seeing the “Baby Boomers” turn 60 in unprecedented numbers. This demographic shift is having a dramatic impact on seniors, families and our community.
The senior population is growing faster than any other segment of the Washoe County community; 25% are now over 55, with the age group 55-64 years absorbing 27.3% of all County population growth over the last decade.
Washoe County Senior Services (WCSS) is not able to meet the needs of the rapidly growing number of vulnerable seniors.
Today, Washoe County Senior Services assists only 8% of the more than 71,000 County residents over the age of 60. We are forecast to have as many as 93,000 over 60 by 2016.
The Washoe County Senior Center, 9th and Sutro, is 34 years old, and over half of its Meals on Wheels delivery vehicles are over 10 years old.
In 1985, when voters approved the $.01 Senior Citizens ad valorem Fund in perpetuity, it was believed to be adequate for all future facility, program and service needs. Because of increasing costs, the addition of essential programs and above all, population growth, this is no longer true.
Almost all Washoe County Senior Services programs have a waiting list.
Washoe County Senior Services helps “Bend the Curve” of health and long term care costs by keeping seniors active, involved and independent.
Planning to prepare the community for an aging society; leverage new resources.
Senior Centers operated in partnership with cities and GID that provide classes, activities and events; volunteer opportunities.
Congregate Meals at 8 locations in senior centers and public housing.
Outreach and early intervention programs to connect seniors to services as early as possible.
“Help Line” – Aging and Disability Resource Center – provides information, advice and counseling about health and long term care.
Social Services, including case management, nursing, Home Delivered Meals and in-home care for the most vulnerable.
Senior Law for legal matters including advance directives, public benefits appeals, elder law, and housing counseling.
DayBreak Adult Day is an alternate to nursing home care.
Seniors and their families need help managing the maze of services and choices; many seniors are not able to pay for the services they need
Almost every Washoe County family will be faced with providing care for aging parents and relatives. Most are not prepared.
In a 2006 Washoe County needs assessment, only 34% of all seniors said that they could afford to pay for their own care.
WCSS low cost supportive services reduce public expenses by keeping people healthier, longer, supporting independent living in their homes and by delaying or preventing institutionalization. The additional funding would provide services and reduce other costs:
Congregate Meal sites and Senior Centers
• 20% of the 2,100 seniors report that it is their only meal of the day.
• Site managers, which were eliminated in previous budget cuts, would be restored for all meal sites.
• Provide clerical and social work support for senior centers.
WCSS “Help Line” provides counseling on long term care and health care options, empowering seniors to make an informed choice on decisions that affect their entire family.
• Expert information, advice and counseling would be available to an additional 5,500 seniors and family members per year.
Case management and visiting nurse
• An additional 350 seniors would receive medication management, help with medical professionals and an in-home nursing assessment.
• An additional 600 seniors would be assisted by a case manager to coordinate care and arrange for services.
• An additional 400 low-income seniors would get in-home services, such as home care, personal care and escorted transportation that are not available elsewhere.
Home Delivered Meals provides 1/3 of the USDA Recommended Daily Allowance to homebound seniors, who cannot prepare their own meals.
• Today, 175 (37%) of WCSS current HDM case load need assistance in 2 or more Activities of Daily Living (ADLs – bathing, dressing, eating, toileting, etc.) and receive additional case management, nursing and in-home care. They have received services for at least one year.
• New funding would serve an additional 300 homebound seniors per year; provide an additional 70,000 meals per year, for a total of 180,000.
• Additional funding would help an additional 400 high risk clients
Senior Law: Provide legal services to an additional 400 people.
DayBreak Adult Day Health: An additional 10 low-income seniors will get services.
• The annual cost for a DayBreak client is $11,000. Nevada Medicaid Nursing Home cost for the same senior is about $59,000 per year; an annual savings of $48,000 per year, and total potential annual savings of $3.48 million.
All through our lives we dream of long vacations in sunny places. We always want to take time to relax and spend time with friends and do fun activities. We want to be able to take advantage of our lives and really enjoy ourselves. Unfortunately most of us have very busy lives.
We are often so busy through out our lives that we do not get a chance to do the things we really want to do. When we are young we are busy establishing a career, saving money to buy a house, finding a loving and suitable spouse. Then all of a sudden we are raising children, working full time, and saving money to send them to college.
As we grow older, we find that we have the maturity and insight to choose how we want to live our lives and what pace we want to live them at. Each day becomes more important, and to live it to the fullest, it’s important to relax and have the time to enjoy every moment and opportunity life offers.
Senior living communities should be considered. These communities differ greatly from the often boring, sterile image of “assisted living”. The modern communities often have fun and uplifting environments, and may be near beaches, pools, and golf courses. These facilities are receiving more attention as the baby boomer generation begins to enter senior living.
Brookdale Senior Living is one standout senior living community that you simply have to see for yourself. The community offers classes in art, aerobics, book clubs, and even intramural sports teams. You can also choose to live at Brookdale full- or part-time. This is a particularly great feature if you like your house but want to escape it in the cold winter months!
Communities for seniors are a wonderful way to enjoy your retirement. You can reside in a lovely community with residents who are your own age and share your interests. If you look into senior living communities, you can find the one that best fits your needs and favorite pastimes. You will finally have the chance to enjoy yourself and engage in all the activities you’ve dreamt of doing.
Communities for seniors are a wonderful way to enjoy your retirement. You can reside in a lovely community with residents who are your own age and share your interests. If you look into senior living communities, you can find the one that best fits your needs and favorite pastimes. You will finally have the chance to enjoy yourself and engage in all the activities you’ve dreamed of doing. Brookdale Senior Living is one standout senior living community that you simply have to see for yourself. For more information about Retirement communities – please visit RetirementCommunitiesGuide.org
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A move to senior living properties, retirement communities or estates is often complicated by perceptions and emotion. Make the decision as rationally and objectively as possible. A mistake will likely result in considerable stress and wasted money.
The questions, and their significance will depend on your personal circumstances and on how the estate is set up. I suggest that you go through each issue with a fine tooth comb.
Questions to be answered by the estate management.
1. With residents are there restrictions with for example: having someone to live with you, visitors, car parking, pets or anything else?
2. Are there any specific medical requirements to qualify to live independently?
3. Is it required to give details of any medical conditions or treatments? If so, who can see them and are they kept confidential?
4. Is there convenient estate or public transport available?
5. If the units are incomplete, can a resident change the design or finishes?
6. Are there any circumstances under which the deed of sale be cancelled?
7. Can a resident move, or be moved, from one type of accommodation to another. If so, how would the decision be made?
8. Are residents actively involved in the running of the village and in setting any fees and changing estate rules?
9. Are any resident rights at risk if the village is sold?
10. What exceptional charges will have to be paid by residents?
11. Are there any limitations when selling units? Could there be a disagreement over the selling price or improvements made?
12. Have all the estate management proven experience in this type of development?
Personal Check List – some points to ask yourself.
13. Does my my family, advisor and friends agree with my decision to move?
14. Am I considering the move because of all the daily hassles of running a home?
15. Have I considered all the information about the estate I have chosen? Has my legal representative explained all the relevant conditions in the deed of sale to me?
16. Do I think that this is the best choice for me? Does the this estate living suit the things that I believe are important? Have I spoken to any residents in the estate?
17. What choice is there if I become too ill to live alone? Will the estate and my unit suit me if I ever need a wheelchair or walking aid?
18. Are there services especially intended for the elderly like nursing care and an emergency call system? Will it meet my current and expected future needs?
19. Have I made a comparison of the facilities and the alternative financial arrangements of other developments?
20. Can I comfortably afford the estate I have chosen and what will it cost me if I decide to leave?
Working through these issues it is very apparent that this is an important choice in anyone’s life. The decision to consider senior living properties is often taken at a time of emotional distress so it is critical that it’s made in as objective and rational way as possible.
Patrick Millerd is a baby boomer “nevertiree” and aspiring digital nomad. He’ll help you discover how retirement planning can put you on the path to a create the retirement lifestyle you desire at www.Successful-Retirement.com
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Can baby boomers afford luxury senior living? This is one of the great questions that smart real estate developers have been asking themselves for the last few years. On the one hand, there are many boomers who have lots of money and good credit scores. And those folks are being targeted each and every day by people who are marketing to baby boomers.
The number of senior retirement places has increased astoundingly just in the last few years. Actually, it has reached the point where there is now a surplus of excellent senior retirement communities around. And when there is an oversupply that means only one thing to prices. They are going down.
That scenario, in a nutshell, is why so many baby boomers can now afford to buy luxury senior living places. The prices on these great communities have plummeted drastically. That is not such good news for the people who bought at the height of the real estate pricing because their property values fell through the floor. And in many cases, has seen a number of people just walking away from their properties because it mad no sense to keep paying on it.
But for those who waited, or for those boomers who are just now coming to the age where they are thinking about where they want to live when they retire, this is an ideal circumstance. There are literally tons of properties on the market at distressed prices. Some being sold by the property owners and some by the management of the retirement communities. Either way, though, the deals are quite amazing.
One of the areas hardest hit pricewise in the active retirement community market is the golf community. Many, many, many of these developments were built. And many of the properties were sold in these communities. And then the real estate bubble burst and folks started not being able to pay their mortgages. Just like what happened in the non-senior real estate market.
Lots of foreclosures, lots of second and third mortgage defaults, and lots of distressed properties coming up for sale.
So the answer to the original question is, yes, baby boomers can easily afford luxury senior living residences. And in many cases, can now afford to buy the retirement home of their dreams simply because so many people found out too late that they could not afford to keep the place they thought they would live in forever. And because we live in an online world, the real estate bargains are pretty easy to find with just a little bit searching around the internet.
Susan is a full fledged baby boomer and avid internet researcher who writes about active retirement communities and other baby boomer housing topics on her site at www.second50years.com.
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Senior living communities are relatively new, are responding to constantly changing demands and while even this industry is reacting to the current economic downturn, baby boomers are creating and responding to trends in a variety of ways. A recent survey conducted by Mather LifeWays with Life Services of Illinois in late 2008 revealed some interesting findings. This survey is “significant because there are few published studies that examine trends in programs, amenities, and environments among aging services providers,” states Mary Leary, President and CEO, Mather LifeWays.
Independent living is at the top of the list for most seniors and most are serious about technology. That means that senior living communities must offer state-of-the-art systems for computer savvy seniors. Those leaving the workforce today have become accustomed to and very adept at building their careers and a portion of their personal lives around computers. Seniors want services available that will allow them to maintain independence.
New models in Senior Living Communities
The Beacon Hill model, as described in American Association of Retired Persons Magazine is an innovative program that allows residents to stay in their homes and maintain their independence safely and comfortably. Beacon Hill Village in Boston is being embraced by communities with seniors across the nation because of its model as a full-service concierge program dedicated to linking older residents of the neighborhood with anything from a ride to the doctor’s office to house painting services to free lectures and exercise classes. Members must live in the neighborhood and pay an annual fee. The Beacon Hills Village program has sparked grassroots movements across the country.
“The New Retirement Survey” released in 2005 by Merrill Lynch focused on how baby boomers, who are quickly approaching retirement age, will have a noticeable impact on all aspects of senior living, including housing. In fact, because baby boomers will fundamentally reinvent retirement by living longer and remaining engaged and employed beyond age 65, the impact will influence all trends in senior living communities. The survey describes the “turning point”: 76% of boomers intend to keep working and earning after retiring from their current job and even exploring entirely new careers. This desire to continue working is motivated by earnings and by a desire for “continued mental stimulation and challenge which will motivate them to stay in the game.” Naturally, this finding supports the senior living community trend of a desire for further education. Visit the Bernard Osher Foundation to learn about the location of classes and opportunities for lifelong learning offered by this well-regarded foundation.
Trends can also be observed in surveys targeting the operators and owners of these communities. The Mather Lifeways survey describes trends in senior living communities that include wellness and lifelong learning options available as well as environmental considerations, such as green living standards. The survey also found that wireless technology is opening even more opportunities to pursue a wealth of knowledge. Currently, 22% of continuing care retirement communities are now offering Web-based education; however that number is expected to soar to 69% over the next four years, while wellness offerings, including classes and recreation, are projected to grow to 52%, up from 25%. Studies also reveal that 35% of senior living community providers are expected to observe “green” standards in new construction or renovation.
Another study, by Ziegler Capital Markets, queried senior living community owners, explores senior living community trends from a marketing standpoint. The majority of respondents stated that their multi-site organizations have been impacted by the current downturn in the economy. When asked how they intend to react, most said they will offer a variety of discounts on monthly service and entrance fees, which will naturally be attractive to those considering a senior living community. Marketing programs are also focusing more on what their community can offer in response to trends in senior living communities.
Technology, independence, education, health and environmental concerns will undoubtedly keep the newest members of the senior population occupied, challenged and productive for many years.
SeniorHomes.com is a free resource for people looking for senior housing or senior care for a loved one or themselves. Browse valuable articles to help you through or search or find assisted living, independent living, Alzheimer’s care, or a retirement community with our nationwide directory. Visit our website to stay abreast of the latest trends in senior living communities.
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The Nevada Senior Guide is your comprehensive resource directory for seniors and those who support them.
Are you looking for something in particular?
An assisting living facility in a certain area, perhaps?
Whatever it is, just let us know by filling in the form you see below and we will do our very best to help!
COMPLETE SENIOR GUIDE LISTING
Apartments & Independent
Assisted Living, Skilled Nursing & Memory Care
Health & Home Care
The Nevada Senior guide provides information about homes, health, services and leisure activities.
Featuring wonderful health care providers such as Circle of Life:
The print version of Nevada Senior Guide is free and is available throughout Las Vegas, Henderson, Green Valley, Boulder City, North Las Vegas, Pahrump and Summerlin.
The Nevada Senior Guide contains the Senior Services Directory including government and non-profit agencies that offer services to seniors in Nevada. These services include food and housing assistance, transportation for medical appointments and other life enhancing services.
A Level of Care Directory is included to assist in the selection of appropriate services in assisted living faculties.
Previously known as the Las Vegas Senior Guide, Mathis began the publication in 2001 because she recognized the need to inform seniors about services that were available to them. It is distributed in Von’s Grocery Stores, Whole Foods Grocery Stores, all libraries and hospitals through-out southern Nevada.
Our Mission Statement: To Publish the most popular, user friendly, visible, results-based, free publication & website
The publication is filled with informative articles that relate to Senior issues including health care, home health and leisure activities.
“Seniors are a unique group because they have so many needs that aren’t met as easily as those of the younger generations,” Mathis stated. “They are the largest percentage of our country’s population and are always looking for resources and good deals, no matter what their income level. The directory is also useful to baby boomers who can use it to find resources for their aging parents.”
“I do not know of any other advertisement that gives you so much for the price and not only produces results, but also has a staff that goes out of its way to help their advertisers through education and networking. Megan and her staff WANT you to be successful. To not advertise in Nevada Senior Guide is like giving your competition referrals.” – Mark A. Simmons, QDCS, Exploring Life Transitions, Memory Care Consultant
Assisted Living Las Vegas
Siena Hills Assisted Living in Las Vegas offers Independent Living, Assisted Living, Memory Care and Alzheimer’s Care. Our staff is available 24 hours a day. Life at Siena Hills is comparable to living in a fine resort, with many of the same lifestyle enhancing amenities.
Independent Living & Assisted Living.
At Siena Hills, we strive to meet the needs of each Resident by providing an individualized care program that maintains each Resident’s privacy and dignity. Our health care services are provided 24 hours a day and change according to your personal needs.
Reputation, Experience & Leadership.
Siena Hills’ unparalleled reputation in the community is fostered by our Executive Director, Mary Pophal. Mary has nearly twenty years of leadership experience in assisted living and memory care. Our residents and families benefit from Mary’s vision and knowledge.
Active Assisted Living & Memory Care Community
Located in Henderson at
2910 Horizon Ridge Pkwy
About Life Care
Your family is special with its deep bonds and unique relationships. Facing a dramatic change – such as moving a loved one into assisted living or a nursing home – is an unsettling prospect for most people. Life Care Centers have helped families for decades to work through the difficult decisions about how best to care for their loved ones. We understand how trying it is to choose nursing home care for your loved one, and how most struggling caretakers feel there is no other choice.
That’s why we’re here.
We want those special members of your family to become equally special members of ours. We want to relieve the anxiety and frustration you may be experiencing by providing a nursing home community of constant support, attention and personalized care. Above all, we want to serve each person entrusted to us with compassion, dignity, purpose and respect.
That’s not just our goal. It’s our privilege.
At Life Care Centers of America, we take elderly care very seriously. That’s why we offer residents a wide range of living arrangements and amenities, services and care. From home assisted living to retirement living to nursing homes – and even campuses that offer all three in a continuum of care – Life Care has the experience, expertise, and dedication to provide a full scope of specialty services.
Whether your needs include Alzheimer’s care, in-home nursing care, rehabilitation or recovery help, or any of a number of other specialty services, Life Care will be there, with all the support, education, and commitment you and your loved one need.
Life can deliver some unexpected twists: accidents, sudden illnesses or emergency surgeries can happen when you least expect them. And in the aftermath of such events, your energy is focused primarily on recovery—trying to also find the best available resources for help can be pretty challenging.
At Life Care, we understand the intense desire to recuperate and get back to normal as quickly as possible. But serious illness or trauma can sometimes force you to relearn even basic functions. The struggle to regain those lost capabilities while still recovering is frustrating and often overwhelming.
That’s when our teams of experts can make an overwhelming difference. Our skilled therapy services can hasten your recovery, help return lost skills and bring back strength and mobility. Our caring professionals work tirelessly with our residents not only in physical areas, but also by constantly supporting and encouraging them emotionally.
We believe our residents are the extraordinary people who refuse to allow temporary setbacks or disabilities to affect them permanently. Their determination and effort become invaluable tools in the rehabilitation process.
And it is our greatest privilege to partner with them—or you, or your loved one—during recovery … and become your strongest advocates in the road to reclaiming total wellness.
Life Care Centers of America
The sun setting is no less beautiful that the sun rising.
Imagine living in a beautiful, peaceful environment, surrounded by friends and activities.
Caring for Life…
Since 1970, Life Care Centers of America has been providing unequaled nursing care and assisted living service. Our continuum of care campuses give our residents an individual care plan through various levels of care. But it\’s our commitment to quality and professionalism that makes us second to none.
2325 E. Harmon
Las Vegas, NV 89119
Welcome to Lakeview Terrace of Boulder City Assisted Living Community
Boulder City Assisted Living
Lakeview Terrace of Boulder city is a close, intimate assisted living community, located in a small, friendly historic town outside of Las Vegas. We enjoy the natural beauty of Lake Mead, the grandeur of the mountains, and the views of the big horn sheep in our front yard. The glitz and glamour of Las Vegas is only minutes away!
Whether you are a Boomer seeking the best for your parent, a senior interested in securing your own future care, or someone who values the companionship and wisdom of elders—you have started in the right place. Our mission guides us in creating a senior services environment where elders direct their lives. We support each individual’s choices and desires to be healthy, embrace life-long learning, and experience elderhood to its fullest.
At Lakeview Terrace, we believe in the power of the team, families, and elders working together to create a real sense of community. We invite you to visit Lakeview Terrace of Boulder City to experience the joy and security we can help provide.
Boulder City, NV Senior Care Options
Lakeview Terrace of Boulder City provides a full range of exceptional senior living options. Our community offers all of the comforts of home with the added benefit of a team of experienced, caring professionals dedicated to providing you or your loved one with quality service.
Senior Care Boulder City Services & Amenities
Welcome to your new home at Lakeview Terrace of Boulder City in Boulder City, NV. As soon as you step foot into our beautiful senior living community, you’ll feel right at home.
Lakeview Terrace of Boulder City offers the finest senior living in Boulder City, including daily activities, organized outings, nutritional meals, a variety of exercise programs and much more. Our programs are individually designed for each senior living option. Whether you are seeking specialized memory care, or a more independent or residential care style of living, we’d love to welcome you or your loved one home at Lakeview Terrace of Boulder City.