The Baby Boomer Nightmare

For years you have set the pace for others to follow. You have worked hard, wisely selecting your career, business or place of employment that would meet you and your family needs during your working years and hopefully for your retirement years as well. You have witnessed a dramatic change in how to do business in today’s world. You have seen what you thought were sound retirement programs being replaced with 401K involvement plans, investment to secure your future rather than be loyal to secure your future. You have seen the job market change from long term secure jobs to job jumping every few years to better your life but without security. You have seen health benefits change, the exercise boom as a way of life, dieting and weight control also as a way of life. Smoking which was the “in” fad of youth is now penalized with high cost, negative advertising and shocking medical statistics. We have moved in our society from commercials with our generation, as the main focus stars to those involving the activities of the younger generation and Baby Boomers are the stars of medication, medical equipment, and laxative and vision ads.

As Baby Boomers, you have gone from worrying about Mom and Dad living alone at home and being safe, to having your children beginning to worry about weather and for how long you will be safe living alone in your own home. Pills, ills and doctor bills are becoming a greater and greater part of your life. Retirement communities are geared up and focusing on your business in the very near future. Much of the news on radio and television is concerned with “Are we ready for the Baby Boomers to reach retirement age?”

The time has come for you to look realistically and not through rose tinted glasses at the end of life issues that must be addressed by everyone at one time or another. Now is not the time to panic, now is the time to wisely execute the plans that you have established. Now is the time to see what really will benefit you and give you the greatest bang for your buck in your retirement years, “The Golden Years” as they are referred to.

I want you to look at a less known avenue other than Nursing Homes and Assisted Living that will meet your needs and stretch your funds. It is presently a little known industry called Adult Family Homes. Presently I live in Washington State where Adult Family Homes are diamonds in the rough. Neatly tucked away places within the community that are licensed by the State of Washington to care for currently up to six people at a time. Staffing level at worst is 6:1 in this close nit community living designed to care for the aging needs of the Baby Boomers. Adult Family Homes are usually only a fraction of the cost of “facility” type living with three square meals and most owners are credentialed as Certified Nursing Assistants, Registered Nursing Assistants, Licensed Practical Nurses or Registered Nurses, qualified.

If you are one of those people who thought Nursing Homes and Assisted Living facilities were all there were for your future, “Welcome to the world of Adult Family Home living!”

Adult Family Homes are private residential homes, which care for one to six people ages 18 or older. These privately owned homes provide room, board, laundry, necessary supervision with medications, and assistance with activities of daily living, personal care, and social services. They can also provide some additional nursing oversight and services. All Adult Family Homes are licensed, regulated and inspected by the Washington State Department of Social and Health Services Disabilities and Long Term Care Administration.

Adult Family Homes are available to people with a variety of functional limitations found in the older population and some people may be with other disabilities (e.g. developmental disabilities, mental illness, physical disabilities). Adult Family Homes usually have a mix of male and female residents. Couples can usually be arranged for as well.

Adult Family Homes provide a written plan of services required that states the needs of the individual and what assistance will be provided. The individual, family and Adult Family Home provider jointly prepare the plan, preferably prior to the individual’s move into the home. The goal is to allow care as needed for each individual, yet freedom to do things they are still able to do without assistance, or with some supervision.

Adult Family Home Providers

Adult Family Home provider must be individuals (at least 21 years old), for-profit companies/corporations, nonprofit organizations, or other partnerships or associations. Providers must meet all state qualifications and requirements for an initial license, and yearly renewals. These requirements include:

· 22 hours of pre-service training and 10 hours per year to renew their license

· Criminal background check of all employees

· Home inspection (to meet specific health and safety standards as defined by law) and re-inspections approximately every 12 months

· Homes found to violate rules must make corrections to retain their license. These are similar to actions taken by large facilities like nursing homes and assisted living.

· Specialty training is required when a provider desires to serve people with developmental disabilities, dementia or other special conditions (defined by law).

Adult Family Home operators may provide care themselves, or hire and supervise caregivers who will provide care. Caregivers must meet the same personal and criminal background check requirements as the owners/providers, and many of the same training requirements.

Don Sutton

Baby Boomers Retiring – What Is The Best Housing Arrangement?

It is time in the world to see large numbers of baby boomers retiring and looking around for what to do next. In a generation of people whose lives were shaped by thoughts, like change and revolution and freedom, this is a really big deal in the retirement housing landscape.

It is not enough anymore to try and send the boomer retirees off to a nursing home where they will spend a not so exciting life waiting for the medication cart to come by. That idea died a well-deserved death. It should not have been OK for retirees of previous generations and it sure isn’t what the current crop of retiring folks are looking for.

There are a number of choices these days, for people who want to retire without setting aside their personal choice in the matter. Assisted living facilities have become very popular with some seniors today as a housing choice.

This is the kind of living facility where seniors who need some extra help in their personal care can get exactly the kind of assistance they need. Without being overwhelmed by staff members offering stuff they have no use for. It is a great way to maintain your independence while still getting a little bit of help.

Another choice about where to live in retirement would be active retirement communities. These are places where you buy or rent a place to live much like you would in any other development, except that everybody around you is a baby boomer 55 or older. These communities are often focused on a particular kind of activity, such as golf or tennis.

But some active retirement communities are not so focused on one particular type of activity but instead offer a wide range of activities to choose from. They are filled with the folks who helped change the world and often some of the available activities are humanitarian in nature. Like packing food boxes for disaster victims or organizing blood drives.

Those are great kinds of activities for seniors to get involved in. they help everyone stay active and promote a wonderful cause at the same time.

A choice of activities is important for the baby boomers retiring now. So many of them spent their lives in worthwhile occupations and activities that there is no real reason why this has to stop after they reach their golden years. It is always good to stay active and for folks from the boomer generation, they take this advice to heart each and every day.

A Great Baby Boomer Retention Plan for Dallas Fort Worth TX Employers

Within ten years, over 12 million from the Baby Boomer generation will be of retirement age.

For many Dallas Fort Worth businesses, this will be a big loss. It won’t be easy to replace their knowledge and talents.

Here is an affordable way for Dallas Fort Worth area companies to change their employee benefits plans to retain these Baby Boomer employees.

Any major medical claim could have a negative impact on insurance premiums, regardless of age. But older employees will have more major medical claims than younger employees. So a group medical plan with older employees will cost more.

Since an employer that retains retirement age employees could have more claims, they will pay a much higher rate for their group medical premiums.

Group Benefits Advisors can help Dallas Fort Worth area employers design a special employee benefits plan will help retain their retirement age employees without fear of raising the group health insurance rates.

This plan has big benefits for both the company and for retirement age employees. The special employee benefit plan documents that we develop for our clients let the employer exclude retirement age employees from their employee group medical plan. The employers then sets up a Medical Expense Reimbursement Account that lets them reimburse any retirement age employees for Medicare Part A and B premiums on a pre-tax basis, and reimburse Medicare supplement plan premiums on an after tax basis.

The employee benefits plan document can also be set up to let the employee reduce their pretax salary by any sum the employee desires, in return for the employer contributing the same amount into a medical expense reimburse account to pay for current or future medical expenses or to pay for long term care insurance premiums.

Here is how this helps Dallas Fort Worth Texas area employers. The employer retains the valuable retirement age employees without impacting their group medical insurance premiums.

Here is how this helps Dallas Fort Worth Texas post-retirement age employees. First, the retirement age employee continues to work doing something that they truly enjoy. Second, the employee continues to save money for retirement, rather than draw on retirement funds.

Third, the employee can actually get a better health plan through medicare and a medicare supplement plan and at a lower cost than if they were part of their employer’s group medical insurance plan. Fourth, the employee could even contribute a portion or all of their salary pretax into a retirement medical expense account that they can use in the future for medical expenses, including long term care. And finally, by doing this the employee could lower their salary enough to still collect social security.

Employees know that they need to save a lot of money just to pay for future medical expenses after retirement. This plan by Group Benefits Advisors is a great way for employers to retain valuable baby boomer employees and help these employees save for their future medical needs.

It’s Never Too Late: Retirement Investing for the Baby Boomer Woman

Retirement investing and saving isn’t just a matter of socking money away when you’re working and then stopping and resting on your laurels-or rather, your savings and your investments-when you retire.

Instead, retirement investing can be a life-long process with continuous payoffs if we find and follow the right system!

You may have been told that you need to have a million dollars in the bank, right now, or your retirement years are going to be dismal times spent waiting breathlessly for that next Social Security check.

Now I’m not going to kid you-it would be great if we all had that million or more dollars in the bank by the time we hit 50! But a lot of us don’t get there because we’ve been too busy juggling our jobs, our children, and caring for our parents to have much time to think about our own retirement needs.

But as we get closer to the time to retire into our second lives, it’s time for us to start thinking about our needs first for a change. And part of that is starting to plan and execute some retirement investing just for us and our spouses.

Now, one bonus we have that our mothers and grandmothers didn’t necessarily enjoy is that we know we can handle our retirement investing ourselves. Those of us who are old enough to remember the days when women were told we couldn’t handle business or finances can laugh at those days now.

So let’s get to it, shall we? When it comes to investing for your retirement, here is a general outline of the things I recommend.

First, it’s important that you take control of your own investments and your own wealth. The financial services industry is a joke-these are the people who almost caused another Great Depression! And they certainly don’t care about the quality of our post-retirement lives. The best rule of thumb here is to never take advice from someone who has something to gain from your doing so.

Next, I think it’s a good idea to hire yourself one particular kind of financial professional-a tax consultant. Once you get into the realms of investment income, you don’t want to deal with the taxes yourself.

Do you doubt me? Did you know that IRS employees give out incorrect advice to taxpayers all the time? It’s true-go look it up! And then make sure you’ve got a tax consultant who can help you keep as much of your retirement investment income as possible.

The next step for you to follow is to start learning about the kinds of investments out there and the benefits and drawbacks of each one. I work with a specific system that has educated me on how to invest wisely to minimize my risks while maximizing my income.

In short, because of the success I’ve had with this system, I recommend stocks (with many qualifications), precious metals, and a few other types of investments as the best kinds of retirement investments out there. But whatever you do as you learn more about investing, don’t put more than roughly 10% of your retirement nest egg into any one investment or any one kind of investment! Even the most proven systems involve some risk-and none of us likes the idea of losing 10% of our wealth, let alone more!

There is a wealth of solid information about retirement investing, and I’m happy to tell you about the strategies that are working so well for me. In the meantime, though, remember that your retirement investing isn’t a short term commitment-you’ll be doing this, and enjoying it, for the rest of your life!

Baby Boomers – What to Do on a First Date

So you are a baby boomer and you are going out on your first date after not being with someone for a while. What do you do on a first date. Will you make the right choices? Where to meet and how to work out if your date is right for you can be a very challenging experience. There are many things to consider, where should you meet, best answer is in a public place with lots of people around. You don’t really know this person yet. So safety in numbers is the best answer. You could try what most people do and meet for coffee, but this can be a bit constricting, you will have a table and chairs in between you. This could be a good thing but it could also be a bad thing for your first date. Other ideas is have a picnic in a lovely waterside setting, take a rug and a full picnic with you and watch the day flow past the both of you. You will know if this setting is right for you. You can tell by the chat sessions and e-mails you have exchanged.

Decide what else can you do on a first date, find out as much as you can about them, don’t make it a spot light grilling session, exchange information with each other, so you both get to learn more about each other. Give them your full attention, don’t keep checking your mobile phone for messages, this is a sign that you not interested in them, learn more about positive body language, I have written a few articles on this topic, it is very important to know. Ninety percent of communication is non spoken, so learn more about it.

First dates are always stressful and everybody is always nervous, it is the fear of the unknown that causes this. So once you have learnt a bit about your first date then hopefully this will settle down.

Cordia Harrington – The Bun Lady – A Baby Boomer Success Story

I always find success stories enjoyable and inspirational; especially when they involve somebody that has risen from rags to riches and having to face insurmountable obstacles. I especially like the stories that show success can still be achieved in the economic climate that we live in today.

The story I am going to share is about a baby boomer, a divorcee with three boys. She started as a real estate agent and has formed a bakery company that she plans to take international. The lady’s name is Cordia Harrington. She is also affectionately known as the “Bun Lady”.

Unlike most of the kids of modern families that are able to eat out quite often; most of the boomer generation was lucky to go out to dinner only on special occasions and we usually went to a small fast food restaurant like McDonalds. Cordia grew up in the boomer generation and remembers going occasionally to McDonalds on those special occasions. Little did she know that one day she would own tree of the franchises as her own.

As a divorcee she began selling real estate and was eventually able to negotiate herself into a franchise position with McDonalds. This accomplishment by itself is quite an achievement because a McDonalds franchise is quite expensive and the qualifications are not easy to meet. She opened her franchise in Effingham, Illinois, which is a town of approximately 10,000 people.

For a fast food restaurant 10,000 people in a town isn’t big enough to grow like a motivated person would want. Cordia did some brainstorming and came up with a creative solution to her small traffic problem.

She wheeled, dealed and did some more creative negotiations to purchase the Grey Hound Bus franchise in Effingham and she selected a bus stop next to her restaurant. This move resulted in eighty eight (88) buses stopping by her restaurant each day. In the summer this number grew to 120 stops every day!

She eventually increased her number of McDonald franchises to three (3). Another example of creative thinking and negations! I should point out that she had to overcome many objections to her growth but she refused to accept “no” as an obstacle to her goal.

During her time with McDonalds Cordia eventually found an opportunity to serve on the McDonald’s purchasing committee for hamburger buns. Her colleagues began calling her the “bun Lady” and the nick name stuck. For a laugh she often straps on a plastic derriere and struts around.

While she was serving on the bun committee it came to pass that the existing supplier was not performing as required. They could not provide the amount of buns needed. Cordia saw an opportunity; she used her sales ability and was able to parlay herself into a position to supply the buns for McDonalds.

Once again, she used her salesman ship, tenacity, moxie and creative thinking to get the backing needed to obtain a loan from her bank for the amount of $13 million dollars to build her new manufacturing plant.

Once the bakery was in operation and successful she soon expanded the operation to three (3) bakeries and now produces over one thousand buns per minute. She now provides all the buns for McDonalds plus Chili’s restaurants, KFC along with Pepperidge Farms.

Cordia Harrington has received numerous awards for her achievements and some may think the road to her success was easy but anybody that knows anything about the McDonald’s franchises knows that it is a very hands on operation. She virtually had to work around the clock to achieve what she has!

She is ready to take risks and says that during a recession is probably the best time to start a new business. She bases this belief in her faith of the United States. She refers to past history and says that the U.S. has had 17 recessions and we have always bounced back.

To prove this point she recently opened her own trucking company to make sure her buns are delivered efficiently. Naturally; the name of the company is “Bun Lady Transport”.

Cordial is grateful for her success and is active in many charities to help others. Her journey is far from being over because she still wants the Tennessee Bun Company to become an international company.

She says she is having too much fun to even think about retiring!

Dating For Baby Boomers – What to Talk About on Your First Date

Conversation starters for successful dating and finding love for the second time round.

Knowing what to say on your first date after years of being off the market can be daunting! Should you tell the person about your situation, everything from your break up to your children to your divorce history or the affair, I mean you’re just being honest aren’t you?

The answer is NO!! Remember your date is simply that your date, a potential new partner to share your life with, not your therapist. Keep the war stories to yourself and your supportive friends.

The more you talk about the past good and bad the more your date will think you are living in the past and think you have more baggage than the carousel at the airport! Not a good look, and a sure fire way not to get a second date. Talking about your ex, your divorce, how nasty they were or the heart ache you experienced in the break up will have your date running for the hills. If you can’t think of anything else to talk about ask yourself if you really are ready to meet someone new?

Listening to someone’s trauma is so exhausting. Think of the movies, when you see a serious drama with a sad ending how do you feel compared to seeing a feel good movie?

So what should you talk about?

Always ask your date plenty of questions about them. One of the biggest complaints I get are “He/she didn’t even ask me a thing about me!”. Ask your date what their passions are, do they have any goals, travel plans, where they have travelled including exotic locations and favourite memories.

Kids are a good topic too, not too much focus of course but show some interest, it will make your date feel comfortable with you particularly if they are family orientated.

Hobbies, interests, arts, sports, music and reading are fabulous topics and will have your conversation flowing naturally.

Be yourself! Sooner or later they will be meeting the real you. Ensure you are looking for the right qualities when looking for that special someone do you share similar interests and values? Do you feel good when you are around them? If you have answered yes to those questions it’s a great start!

Finding love for the second time round is exciting, so what are you waiting for?

Discover The Increase In Baby Boomer Travel

The baby boomers have made a lot of changes throughout history. It is estimated that 78 million people were born between the years of 1946 and 1964. As with everything else throughout the years they have made a huge impression on the travel industry. Traveling started to pick up as this generation began reaching adulthood. Baby boomer travel is increasing every year as this generation is reaching the age where they can get out more and do the things they always dreamed about. However, this generation of travelers is a little different than what the industry is use to dealing with.

Many changes have taken place with baby boomer travel mainly because of the way they view traveling. They consider it to be something they need to do instead of something they want to do. This makes the way they travel a lot different. For instance, they will travel for pleasure and business whether they can really afford to or not. Most of them will charge the expense of traveling on a credit card and figure out how to pay for it later. The previously generation would have never considered traveling with cash up front. The baby boomers also expect fast and convenient service even when they travel on a moments notice.

One of the major changes that have taken place with baby boomer travel is the fact that it is so common for them. They view traveling as a necessity and it has become second nature to them. The baby boomer generation needs to be relaxed and comfortable even when traveling so they expect to have all the modern day accommodations they are accustomed to. They want things fast and simple, which is why using the Internet to book flights and plan out trips is used so frequently. Since they travel so much they also look for more exotic and interesting places to travel.

Even though baby boomer travel is increasing every year they still want to have control over all the decisions that affect them personally. They want to have a selection when it comes to restaurants and they want to choose the activities they engage in. It is important for the travel industry to pay attention to the demands of this generation and take measures to give them what they are searching for. This is the only way they will be able to stay at the top of this industry and keep the baby boomer travel generation happy.

Why Organic Shampoo Hair Care Products For Baby Boomers Means Longer Healthy Lives

In 2009, baby boomers in the US will be hitting their mid-60's. They are searching for true organic shampoo and hair care products to maintain vigor and youth. They are trying to prevent hair and scalp problems-after years of chemical abuse and critical sickness that occurs with aging.

The aging baby boomers population will contribute to the surge in organic shampoo and hair care products. According to market research publisher, Packaged Facts, they predicted that the shampoo and hair care would move from $ 1.3 billion to $ 1.7 billion by 2010 57 million Americans are using some form of natural personal care or organic shampoo and hair care products. That's 20% of the US population. That's huge.

Consumer who buys organic and natural personal care products are health concise. They are worried about toxic, chemical ingredients seeping into their blood stream, causing havoc as their body aged.

The Americans and Europeans are leading the way. They are seeking safe, 100%; pure organic shampoo and hair care products. And they are more aware of cheating companies with misleading labels.

These misguided products are boldly marked with the word 100% natural or organic, but are products of artificial matters, fertilizers, pesticides and man-modified ingredients. Whoa. Then they challenge you to read the very fine ingredient label on the products. Labels that even a magnifying glass has can not make clear.

Following are 5 components of 100%; true organic shampoo and hair care products.

  • Biodegradable (broken down into harmless products by air, water and bacteria)
  • No Chemical Residue Left Behind
  • Nontoxic
  • Not Tested on Animals
  • And Vitamin Enriched

In other words, more GREEN keeps you and the environment clean!

Real organic shampoos and personal care products are made from fruits or botanical matters, not cheap preservatives and the like to boost profit. 100%, pure organic shampoo and hair care products cost more than their average counterparts. Natural fruits and plants growing are hard labor and agriculture methods have strict rules. At times, organic agriculture costing can skyrocket, resulting in sharp increase in prices.

Baby Boomers and consumers are willing to pay for organic products that work. They cherish fresh clean fragrances, baby soft feelings; the efficiency of true organic shampoo and hair care products. Not to mention the piece of mind, and the years of good health that benefit their lifestyles.

Baby Boomer Retirement – Where is Lake Chapala, Mexico and Why Should You Care?

First let us address the, “Why Should You Care Where Lake Chapala, Mexico Is?” question.

With the current economic climate many baby boomers and soon to be retired folks are asking,

Will I be able to retire?

When can I retire?

How much do I need for retirement?

If you have been asking any of these questions or some form of them, there may be a solution. And it might just be one that you haven’t considered yet.

The solution to your retirement problem could be to retire to Lake Chapala, Mexico.

Does that sound like a radical idea? Read on.

As you read this, according to the US State Department, there are over 1 million Americans living or retired in Mexico.

One of the big reasons is cost of living in Mexico. It costs less to live and live well in Lake Chapala, Mexico. In some cases retires are living on 25% – 35% of what they were they were living on in the good old U.S. of A.

The next question that people ask when investigating Lake Chapala and Ajijic as a Mexican retirement destination is, “Where is Lake Chapala, Mexico and how do I get there?”

Eight years ago in 2001, when I was checking out Lake Chapala for the first time, there was less info on the web. Lake Chapala was not as easy to find doing a web search as it is today.

Now if you Google ‘Lake Chapala Map’ or ‘Ajijic, Mexico Maps’ you’ll get some decent results from your search query.

So anyway, back in spring of 2001 I cracked open my trusty dog eared Rand McNally U.S.A. Road Atlas to see if by chance that they would have have a page or two with a Mexico map. Well, luck was on my side and lo and behold, there it was a single solitary page, page128, the entire country of Mexico.

I needed to put my cheaters on, er my reading glasses to read the details. Then I spotted her, Lake Chapala it looked like a tiny puddle of water just southeast of Guadalajara, Mexico’s second largest city.

Actually, Lake Chapala is a big lake, Mexico’s largest lake.

Here’s a trivial question for you.

What does Maui, Hawaii; Cozumel, Puerto Vallarta, and Guadalajara, Mexico have in common with Lake Chapala, Mexico?

If you guessed that they enjoy same latitude. You win the prize and get to go to the head of the class. That’s right, all five of these locations are 20 degrees Northern latitude.

You might be saying, “so what’s the big deal?”

Ok, here’s the scoop.

Point #1: Most of those areas are well known and popular vacation spots and expensive to live in. Lake Chapala in Mexico has the advantage of being highly affordable without having to scrimp on your retirement lifestyle.

Point #2: Great weather. Believe it or not, National Geographic rated Lake Chapala top weather for retirement in the world. So what are you waiting for? Check out some resources for life and retirement in Mexico.