Baby Boomers – 6 Major Issues You Need To Address In Retirement Planning

People are retiring earlier. The average age for a first retirement is 57.5 years. According to the latest statistics, if you are in good health now, you are probably going to live another 30-40 years. If you are like most people, you planned for previous stages in your life. Retirement is no exception.

What are the six major issues you need to be considering before you retire?

1. More than any other age group, Boomers are concerned about having a purpose during their retirement years. A purpose (goal) gives you a sense of meaning which contributes to your overall well-being and happiness. The challenge is to focus on who you are instead of what you do.

2. Now is the time to discover the things you feel passionate about, that you find engaging and meaningful. How you choose to spend your retirement years will depend on the choices you are making as you approach this next stage in your life.

3. The timing of when you retire can be critical. To determine when you will retire, reflect on who you are (your strengths and values) and what you want during retirement. Your experiences over the years, the knowledge you have gained, and self-awareness you have developed will help you make your decision.

4. Financial planning is one of the two main cases of successful retirement. Because of the changing financial scene, there are three areas for you to consider for your financial plan to be solid: Social Security, employer's pension plans, and your personal savings. Discussing your financial needs with a financial planner is highly recommended.

5. Once basic financial needs are met, other issues become more important. Your health is the second pillar of retirement. This is a time to learn more about wellness which includes making yearly physical, dental and eye exams. It also means making good choices about nutrition, managing stress, moderate physical exercise for your body, and mental exercises for your brain.

6. Some relationships change during retirement. If you end your career, you no longer have the built-in contacts with people you would see on a daily basis. It is a time to build new relationships and cultivate a relationship relationship with your spouse, children, grandchildren, and other significant people in your life.

This is a critical time in your life. Planning helps you maximize the unlimited capabilities and fulfill your purpose. Your journey will be unique to you. Make it be all that you hope for.

Motor Development Milestones And Baby’s Sleep 4 – 12 Months

So, you thought that you had nailed it – your baby has just mastered the art of sleeping through the night and bang – it’s all gone sideways because they have developed a new motor skill.

Here is a list of motor development milestones – how they can affect sleep and what you can do to help your baby get back on track. A recent study noted that there was a relationship between an onset of night wakings and motor development milestones – babies were found to have a harder time settling down to sleep and would start waking more frequently at night, two weeks before they took their first steps. It is also important to remember that often babies wake up at night and like to practice their new found skills as it is so much more exciting than going to sleep – in fact, they like to cry a little or give you a call to join them for their late night rendezvous.

o 4 – 6 months

Rolling over from their back to their front but can’t roll back.

Once a baby starts to roll, the above scenario will have you up a couple of times in the night to help your baby roll back, onto their back. If you have not witnessed them roll from their tummy to their back then they probably have not yet mastered that skill – so you might have to help out initially. However, once you have seen them do it – you should refrain from getting too involved otherwise they will be calling for you to come and do it for them every time. Once a baby has the ability to roll over the neck muscles are stronger and the chance of SIDS decreases. Lots of parents worry about their baby and this tragic phenomenon, but there is no need to worry, your baby is developing normally and is building even more strength for their next amazing step.

o 6 – 9 month

Sitting – Crawling & Standing

Sitting – Once a baby has grown into their head they are not so top heavy anymore and they finally have the ability to sit. You may find that once in bed then can go from being on their back to rolling to doing a fast push- up and are up in 5 seconds flat. For co-sleeping parents this can be especially challenging once there little one is awake and sat up, they think its super fun to poke your eye and touch your nose, while practicing the odd vowel or delightful squeal at the same time. OUCH! You should deal with this by laying them back down and saying a key word or shhh in a calm and collective manor, limit eye contact and don’t do anything that will get them excited into thinking it is morning time. They may sit back up a few other times but lay them back down again.

Crawling – This is the one that you were waiting for – your little sugar plum starting to crawl and then of course – when it happens – you realize that you had so much more control when they were sitting only. Whether your baby is crawling on all fours, using their hands, with bum in the air and their legs like they are walking, or sitting on their bum and scooting around in reverse, this is another little wrench in the sleep works for you!

Babies just love to practice this kind of stuff during the night when waking during their light sleep phase. You put them to bed in one spot and the next time you see them they are squashed up in the corner with a blanket intertwined around their limbs looking rather like a pretzel.

Crawling can also bring on separation anxiety as your little one starts to realize that they are not an attachment of you but their own separate being. This type of anxiety has a distinctive cry that is often described by parents as more of a scream or as hysterical and can cause quite a bit of sleep regression.

Standing up in the crib is extremely frustrating for parents especially when this happens half way through sleep training. Just a few nights ago you could lay your baby down and they would drift off to sleep – now you lay them down and before your back is turned two little hands grasp onto the crib rails and the top of a head peppered with wisps of fine hair is struggling to peek over the top. This scenario always makes me chuckle even though it is frustrating. I think it is one of the cutest things to have your little one try and stretch to see you. If you have already left the room though and then they decide to stand it can leave your child with the feeling of being stranded – COME BACK- they cry – for you to be met by a gummy smile and wet cheeks. For most little monkeys who have reach this stage – they can get up but not down, the most worrying part is the possibility that they could fall and bang their head. If this milestone happens before sleep training – then hold off while you teach your baby how to lower himself back down. This can be done by placing your hands on top of theirs on the crib slats and lowering them down and saying a key word as well. If you are in the middle of sleep training you should stay close by and keep helping them down just be careful that you don’t turn it into a game – but practice teaching them how to get back down during the day too. If they are already sleep trained – you may have some regression – so you will be back to going in at night for a short while – stay in night time mode and don’t make too much of a fuss. The phase will pass and next on the list is walking!

o 9 – 12 months plus

Walking – another bump in the night for you – during these milestones their will be no stopping your little one as they want to explore every avenue possible – yes they will wake up at night and practice scaling the crib – walking up and down – be careful and refrain from having anything in the crib that is hard that could be a possible hazard and if you need to put some crib bumpers on or safety proof then go ahead.

Offer lots of opportunities throughout the day for you little one to explore and use up their energy, at this age they barely stop for to breath. Babies rarely like to be confined to their strollers or strapped into car seats at this age.Although your little one is full of energy that they are just waiting to burn off they still need an adequate amount of sleep so don’t be fooled into thinking that naps are not important just because your toddler is not showing signs of slowing down. At this age they still need between 11 – 12 hours of nighttime sleep and 2 – 3 hours during the day made up of two naps.

Baby Boomer Fitness – Getting Started

If you have had past injuries or have been sedentary for a while, you may need some additional help when starting an exercise program. Common gym exercises that may be fine for someone in their twenties, may cause discomfort or injury for someone in their forties or beyond.

The first thing you should look for is a trainer who is experienced in working with injuries or has had several post-rehab clients. You will probably have some muscle imbalances that need to be addressed first, to keep from causing an injury or to keep you from sitting a plate too soon.

After starting an exercise program you will usually see some progress in the first three or four months and then your body adapts to this new stimulus. Then you will need a new stimulus to see additional results. This could include increasing the length of time you exercise, the amount of resistance, or shortening the rest periods.

With those with past injuries or imbalances due to poor posture, if you do not correct these right away, this exercise plateau could occur sooner than normal, if injury does not occur first. So finding a trainer who is knowledgeable in future and corrective exercise is important.

Often times after an injury or being sedentary, the muscles that help stabilize your joints are weak. To not address these important stabilizers would be like putting a souped up engine in a car with worn out tires and shocks – you will not be able to use this additional power and may wreck the car.

So how do you address these important areas? Glad you asked. You first have to make sure that your body is balanced. Your muscles should be balanced front to back, side to side, and top to bottom. You need to work on your posture, making sure that your body is properly aligned with gravity, to make your movements more efficient.

One way to do this is by using whole body vibration platforms, such as the Power Plate. These platforms place you in positions where several muscles and joints are used at the same time, such as standing in a squat position. The vibrations cause your muscles to contract reflexively 25-50 times per second, beyond your conscious control.

This is a lot of stimulation to your nervous system and this can also stimulate and strengthen these important stabilizing muscles, muscles that often are weak and inefficient after injury. For example, one of my clients is looking to lose some weight. She also has past knee problems which need to be addressed.

The vibrations help stimulate her weak knee muscles and turn them back "on", so that they are contracting correctly. Obviously, this contributions to a more stable knee and allows her to exercise in a somewhat controlled manner, as many of these positions occur in a static position.

Meaning she stands on the platform and squats down to a comfortable position and places there, while the vibrations occur. Initially, these exercises are done without moving.

We have also added in different standing and floor exercises to help strengthen her "core" muscles. By combining these different exercises she can now feel her knee muscles contracting, as well as her glutes (hips), which are vital to providing stability to her pelvis, and then her low back.

So in addition to increasing her metabolism, burning some fat, she also has greater stability in muscles that were lacking strength, prior. By building this foundation of a balanced body first, we can now build the rest, knowing that we will get further results without hitting a plateau or reinjuring weak muscles.

By the way, this 30ish mother of three and part-time student had tried the traditional healthclub routine with little to show for it. The kicker is, her workouts last only 20 minutes! After about 8 sessions, she has seen results and has greater strength, stability, and endurance.

Do not think that she is not working hard, though. She is – but we're also working more efficiently. Getting more done in a shorter amount of time.

How to Create a Business on the Internet Without Being Frustrated

A lot of people want to start their own business, and become independent with a small business of their own.

For this, you must recognize that the Internet is the ideal way. It offers so many possibilities, or so that's what we hear say everywhere, the gurus of the Internet will tell you, its talked about about all the forums, and even in everyday life, in the press or at work.

But now, what company will you create? what will you sell? what service do you offer?

You should know that today, 80% of people who want to start a business on the Internet, do not know what business to start.

And then you start searching, browsing, to want to get into all kinds of plan that you are offered on the web.

But unfortunately, it never works, so we persist, we try a new system that promises to win big by hard working, and then another, and so on, until one day we quit fed up all this money money and so much effort for nothing. I know what I'm talking about, I've been there.

And our beautiful dream of working at home, in pajamas, or taking breakfast at the pool side, while viewing our turn of the night, has vanished.

And so what is left of all this? From everything we have been promised, solely in order to take our money?

Nothing, nothing remains!

Yet some, with a lot of will power and perseverance, and above all hard work, ever succeeded.

Yes, if you really want to make money on the Internet, you need to find a business idea that really suits you, and above all that you like, this means something that you will enjoy doing.

If you have a passion, a hobby such as gardening, building models, collections of all kinds, and many other things, why not make it a business on the Internet?

There you'll be in your element, and it is much easier to talk about something that we know.

It's important not to hurry things and thoroughly researching the pros and cons, and especially avoid like the plague miracle methods, you know those when they say you do not need a site, or training, or much time to devote to it, and you will earn lots of money.

I've tried dozens of them, to no avail.

Because to succeed in making money on the Internet, you have to work hard. Making money without working, it does not exist not on the Internet or anywhere else. There is no free lunch.

But if you are organized, persistent, and you're ready to spend several hours every evening in front of your computer screen, then you should pull yourself ahead of the game And when you start to see money go into your bank account, what happiness , what pleasure.

In conclusion, if you're really motivated, then go for it, carefully, but go for it, you will not regret it.

Baby Boomers and Timeshare Travel – Warning – Why You Should Not Buy a Timeshare

Baby boomers who love to travel do not need to fork out the thousands of dollars needed to buy a timeshare just to travel to timeshare properties worldwide.

Why address the concerns of baby boomers and timeshare travel? Many boomers are not even aware of what is involved in purchasing a timeshare. Timeshares are not only very expensive but they are also very restrictive. Once you purchase a timeshare your obligation is not over. Most timeshare purchases require a maintenance fee that is to be paid either monthly or yearly. The price of the fee can change at any time due to unforseen circumstances such as bad weather or damage to the properties commonly owned. Perhaps the common ownership wants new furniture in all of the units. That cost will get passed along to the timeshare owners as well.

Timeshare purchases up front are very expensive ranging on average from $ 15,000 plus maintenance fees to $ 80,000 plus other expenses. Normally a downpayment is required and then monthly payments can be arranged or you will be asked to put the balance on a credit card. When you are ready to travel you will have options of traveling to the same property year after year for a designated number of years or you will be on a point system. If you are on a point system you will be able to travel to a wide variety of properties and you may even be able to choose the time of the year you want to travel.

What happens to a baby boomer and timeshare travel when the baby boomer can not travel for some reason? That property will sit empty without the boomer can find someone to rent it to or give it to to use for that year. That is money wasted that did not need to be wasted.

There are alternatives. One of the best I have seen is a timeshare travel club membership. This type of membership will allow you to travel to just about anywhere in the world to 5, 4, and 3 star resorts for a one time membership fee and then dearly discounted prices thereafter. Every baby boomer should weigh the facts about timeshares and travel club memberships before they purchase either one.

For more information on two of the leading travel membership clubs on the internet today you may want to visit the two links below.

Baby Doll Accessories For Your Newborn Baby Doll

If you have a newborn baby doll, then you will definitely need some baby doll accessories to have the most fun and satisfaction from your unique and beautiful man-made child. Just like any other child, you can’t expect your newborn doll to go around in the same swaddling clothes he or she was “born” in – can you?

Some who have spent a considerable sum on their newborn often cringe at the thought of spending a dime more on accessories – but you can get away fairly cheap, if you know how to shop. Plus, what is the fun if you can’t “accessorize” your surrogate child? Here are a few ideas for you to think about;

This holiday season, American Doll accessories and baby doll accessories make a great gift for that special little one! With the amazing array of 18″ doll accessories available, they will spend hours playing with these unique and affordable gifts!

Baby Doll Clothing Be ready to enjoy the seasons in style with an outfit for every occasion. Spring is the season for rebirth, so I feel it’s appropriate to start with comfortable, yet warm spring clothes for your reborn doll. The cold of winter is mostly a memory now, and the heat of summer hasn’t yet arrived, so think long sleeves and something to cover your baby’s feet.

When summer finally arrives, short pants, light tops and bare feet are what I suggest. You should be ready for a summer cloud buster, so have a nice, sturdy umbrella ready, and don’t work about taking baby to the fair, baseball game or simply out for an evening stroll.

Fall may just be the best of the four seasons with warm days and cool nights. That’s why I suggest a heavier set of shorts plus a jacket and warm socks for those cool evenings out. Remember to keep your lifelike doll out of direct sunshine – so she won’t get sunburned!

If you live in a climate where winter comes roaring back, it’s best to provide full-length pants plus a long-sleeved shirt or sweater for baby. Socks and shoes are always a good idea, and don’t forget to have a warm comforter in the crib for those cool winter nights.

Furniture Your newborn baby doll will need, at the very least, these items; a good bassinet or infant crib, a high chair for taking meals, and a stroller if you ever anticipate going out for walks. Of course, there are plenty of other furniture accessories you can get to fill your home – dressers, tables and every imaginable play-furniture piece that your mind could ever imagine!

Shoes Even though I mentioned shoes and socks above, I think that shoes may be important enough to mention all by themselves. For around the house, I like to get a pair of heavy socks. These can function as slippers, and keep your child’s feet warm – and they’re cheap! For going outside when it’s cool or cold, you will always want a pair of shoes, or just keep baby’s feet totally wrapped and warm!

Even though your newborn baby doll is just that – a doll, there’s no reason to cheap out and have nothing else to play with. There are more baby doll accessories available that can make your reborn doll so much more enjoyable that I could write a book!

The Joy A Baby Brings Into Your Life

A baby brings so much joy to a family. A part of you continues in another human being. Your genetics are passed on to a new generation. You can see your and your partner’s habits in the little one. You can share life lessons and have fun while watching your baby grow and navigate through life. You’ve brought a new life into this world.

A new born baby is the cutest little being with its little fingers and toes. At this stage they are fully dependent on you as the parent and are completely vulnerable. You will recognise your eyes or your nose in theirs and it will fill you with pride and joy. A baby fulfils our basic need to procreate and to give love. It is a natural part of life to want to bring a child that is part of you into the world.

You should enjoy every moment of their young life because it passes by so quickly. While you’re in it, it may seem like a lifetime when you’re staying up all night with feedings and diaper changes. There may be a lot of crying but there are many moments to savour like the first time they smile, or crawl. They will fill you with pride each time they achieve a milestone such as building blocks or completing a puzzle.

Once you meet your little one for the first time you will be filled with an overwhelming love that you have never imagined or felt. It overtakes your entire being and your outlook on life changes entirely. The perspective moves towards the child and is no longer on you. It may seem like a sacrifice but when it is something that you’ve wanted for such a long time, it is the greatest gift.

For many people the miracle of child birth is elusive. It doesn’t happen as easily for everyone. Due to various lifestyle habits and fertility issues, some men and women are unable to conceive naturally. But it is important to note that there are fertility treatments suitable for most couples. It all depends on what the fertility problem is and how the fertility doctor recommends treating it.

The joy that a baby brings to a parent is one that every willing person should be able to experience. The key is to be ready for it. Then you will enjoy and cherish every moment.

Save Money When Shopping For Baby Girls Clothes

They grow up so fast. Before you know it, that cute little baby girl has outgrown her baby clothes and it's about that time to go shopping again for new children's clothing. You want to make sure not to waste any unnecessary money on clothing that will last until it's too small. This baby girls clothes article will hopefully provide you with some basic information and tips to help you get the most for your money.

Consider the time of year your baby will be born. Summer newborn clothing should be light-fit and breathable, to keep your baby from sweating and getting rashes. If you're expecting in the winter, be sure you have lots of soft cozy hats, mittens and booties. The best thing to do is to buy baby clothing sets. You can get matching, shirt, pants, hat and skirts together.

Newborn baby clothing sizes are sized by months, usually labeled with an M after a number. The system is based on the sizes of average babies at certain ages, but keep in mind that some babies will be bigger or smaller than average. For that reason, it's good to know the body sizes baby clothes are made to fit.

As your baby grows from infant to toddler, you'll want durable toddler clothes that will last through all the crawling, falling and playing. Get clothes that is easy to clean and maintain, so you're not spending most of your time in the laundry room. You can not go wrong with cotton toddler clothes; they are soft yet durable. As far as cleaning, you should just buy cheaper toddler clothing; your little rug-rat will just make a mess of it, no matter how hard you try to stop it. Toddler clothing sizes are based on children's ages, in years. If you see a T on the tag, then you know it's a toddler size.

As your little girl grows and have her own personality and taste. Even when it comes to fashion, they know what they want. So before you go shopping on-line for kids' clothes, talk with your children about what they would like. But keep in mind, in the end, you're the one with the money, the credit card and the final decision.

A few basic tee-shirts make a good start with savings. Your children can wear them alone in summer or as undershirts in winter. T-shirts are also the most convenient children's clothing to wash and dry. No special care is needed – a major plus in kids' clothing. When purchasing both girl's clothing and boys' clothing, you'll probably want two or three pairs of jeans. Jeans are perfect for school and play, and the grass stains will wash right out.

The "buy big" rule applies here, too. If you buy your children's clothes just a little big, they'll quickly grow into them (and out of them), which saves you money in the long run.

Baby Sleep Problems – Getting Baby to Sleep Through the Night

It is a very common problem when babies have a hard time falling asleep and sleeping through the night. Hopefully, this article will help new parents to find a solution to this serious problem that affects whole families. 

As a mother of three adorable kids (one of them is still a toddler), I know how hard it is for new parents to deal with sleep problems. All of my children, as babies, had a hard time falling asleep and sleeping through the night. After many sleepless nights me and my husband were depressed, exhausted and had a constant sleep deprivation.  Babies of our friends had been sleeping through the night already, but not my firstborn daughter. Trying to find solution I read many books, looking for answers. I found many proven attitudes and time tested techniques which worked good with my babies. Here are some of them:  

  • You shouldn’t force a baby into sleep. Sleeping should be a pleasant state to enter and secure enough to stay in. Parent’s goal should be to help baby develop a healthy attitude about the sleep.
  • Try to avoid advices that recommend letting your baby to “cry it out”, especially in the first six months. It can harm in developing sense of trust between baby and parent.
  • Stay flexible, because none technique works all the time for all babies. If specific techniques aren’t working for your family, skip them. Every baby has different nighttime temperament. What doesn’t work one week may work the next. That is why it’s so important to follow your heart. Eventually you will find the best solution.
  • Breastfed babies need to eat more frequently than bottle fed infants, usually every two to three hours. That prevents them from sleeping smoothly through the night until they are between three to seven months.

You can try the following sleep enhancers that worked for my children: 

  1. Keep right bedroom temperature and humidity. Best are around 69 F and 50% of humidity. Dry air can cause stuffy nose and lead to increase incidents of allergies among the babies. All this can disturb baby’s sleep.
  2. When you put baby to sleep create darkness in a bedroom. Try not to turn on lights or TV while you are feeding her.
  3. It is very important to recreate a cozy, snugly environment similar to that in uterus where baby has spent nine months. So, if your baby seems to be uncomfortable in the crib, try to use a bassinet, a cradle, or a stroller to provide a snugger fit. Swaddling or wrapping your infant can make him feel more comfortable, secure and prevent from jerky movements which can wake him up. It is also helpful in calming some colicky babies.
  4. Try rocking your baby to sleep in a rocking chair. Walking with infant and massaging or patting her back while singing lullabies can be very soothing.
  5. Sometimes sleeping without background noise can be difficult, because during nine months babies are used to mother’s uterine sounds. So help your baby to fall asleep by turning on a fan, an air conditioning, a vacuum cleaner or a musical mobile that imitates uterine sounds like white-noise machine.
  6. Swinging can be helpful, especially with high-maintenance babies. A monotonous motion may be more sleep inducing then familiar routine.
  7. Another good alternative is driving in a car until baby falls asleep. Cold night air and constant motions help baby to calm down.
  8. For some babies it is helpful to put them into sling or carrier and wear around house. Rocking will help your infant to settle down.
  9. It is very important to create consistent bedtime’s routines. With familiar rituals babies go to sleep easier and sleep longer. For example, bedtime rituals of warm bath, massaging, rocking, feeding, singing and etc. can teach him anticipation and help to fall asleep.

Pay close attention to medical causes of sleeplessness. If you are tried all these techniques and nothing work for you be aware of different medical conditions that can interfere with sleep, such as Gastro Esophageal Reflux (GER), respiratory problems or various allergies. Discuss this with your pediatrician to find right solution.  In the conclusion, all above techniques will not only help to get your baby asleep but also create a healthy, positive attitude toward sleep that lasts for lifetime. The baby will learn that sleep is a pleasant state to enter and secure state to remain. The right sleeping habits will make happy not only the baby but also the parents.

How Baby Sleep Disorders Affect Your Little Bundle of Joy

Babies are truly a miracle and are fragile when they are first born. They require constant attention and care during their first year of life. Sleep is vital for their growth and development. A newborn baby benefits sixteen hours of sleep a day and they get the amount they need in thirty minute to three hour segments. The amount they get is normally even dispersed between day and night. Most babies wake through the night to feed until they are around eight months old. When they are breast fed, they are more likely to wake and do so more often. They may have trouble sleeping for many easily resolved reasons including hunger, dirty diaper, sickness, pain, and frustration.

Even though it may be hard to believe, babies just as older children and adults can suffer from a sleep disorder. The types they suffer from are more limited and range from mild to severe. Parasomnias, obstructive sleep apnea, and SIDS are the most common disorders found among babies. Night terrors and sleep walking are parasomnias. They are not found in babies less than eighteen months. When they do occur, their sleep pattern is disrupted and they do not get the sleep they need.

Obstructive sleep apnea is found in adults and children, but the symptoms for babies and older children are quite different. Babies will continue snore when sleep and breathe through their mouth. Their air passage can become completely blocked causing them to stop breathing. This is a very dangerous condition that can greatly stunt their development and be deadly if not treated. The cause for this disorder is normally enlarged tonsils and removing them will remedy it.

SIDS or Sudden Infant Death Syndrome is one of the scariest disorders every parent does their best to prevent. A baby suffering from SIDS stops breathing while sleep. They have to be encouraged to resume breathing. It is not something that they automatically start doing again on their own. Certain genetic and environmental elements have been linked to this condition, but the overall cause has not been determined. Babies who are more at risk are set up with monitoring systems. These systems alert the parents as to when they have stopped breathing. Several things can be done to reduce the opportunities of SIDS from developing in an infant. First, a baby should always sleep on their back and have a firm mattress. No fluffy comforters or stuffed animals should be left in the bed with them while they are sleeping. A baby sleep system can be used to prevent them from turning over while sleeping.

The best way to determine if your little one is having sleep issues from a sleep disorder is to be aware of their sleep patterns. If you notice any changing in their sleeping habits, all concerns need to be discussed with their pediatrician. When a baby does not get a sufficient amount of sleep can cause them to be cranky and be harmful to their development if not resolved. A pediatrician can evaluate any changes and determine if your child is suffering from one of these baby sleep disorders.