The Baby Boomer And Continuing Education

Increasingly, older students, even those over 50, are choosing to acquire more education. For some, learning has become a matter of great pleasure in the later half of life, while others see it as the time to return to school to earn a degree to facilitate a new career. Baby boomers are known for valuing education and are more likely to pursue it, formally or informally, in post-career years.

The entire body of adult education studies is being referred to as ‘lifelong or continuing education’. There are thousands of learners all over the world, who find that going back to college to earn a degree, or continue their business education is an exciting way to spend their time after a career and years of raising kids.

Today, someone retiring at age 65 is likely to live to be 80 or more. Jobs and technology are changing fast, and employees may explore different careers during a lifetime and the ever-growing job segments require a much higher educational background than the current jobs they hold. As a result, older adults are postponing retirement and are turning to college courses as a way to gain the knowledge necessary to maintain their creditability in their currently held positions, or retrain for the new careers they want.

The job market is changing fast and mature workers are returning to school to acquire the tools to cope with it. Workers today realize that they must re-educate or be left behind. Many older workers are enrolling in vocational courses like management training, and computer applications, technical seminars; sales, telecommunications upgrade, and engineering upgrade courses.

Even professionals like doctors, dentists, and nurses are taking courses to stay informed, while teachers, paramedics, and attorneys, are retraining to maintain certification. Many older workers, wanting to begin a second career feel that they need proper credentials to qualify for the type of job they want to do. Most workers in their middle age feel that ongoing and continuing education enhances their opportunities and provides insurance against becoming obsolete. Retraining and continuing education is seen as a positive way to increase job security and achieve promotions, maintain their market value, and prepare for career changes.

Different baby boomers have different reasons for returning to school for continuing education, professional and vocational training, or part time courses. For some, it is a result of a professional interest, ignited by experience in their field of work, which, they feel, will make certain ambitions, like a career change, attainable. Many older adults are just setting out to fulfill their life long goal of getting a college degree that they may have had to temporarily give up as a result of other commitments.

Most universities these days consider continuing education to be a core educational responsibility. They are willing to make their knowledge, expertise and contacts available to enable interested mature workers to update, and deepen the knowledge they have acquired from professional experience, or to complement it. Individual seminars and continuing education programs, increasingly meet this responsibility and universities are also establishing corresponding courses of study.

Baby Boomers Retirement – How It Impacts the US Economy

The term “baby boomer” refers to a person who was born between 1946 and 1964. According to the U. S. census of 2000, there are around 83 million baby boomers. Now, the baby boomers are between the ages of 42 and 60, a fact indicating the exit of baby boomers from America’s workforce.

The generation of baby boomers has sprung from a period of economic prosperity and the joy of the post Second World War years. Perhaps due to the times in which they were born, they have not just reshaped the culture of their country, but also redefined themselves.

Baby boomers have attracted a lot of attention due to their distinct features and outlook on life. They belong to an affluent generation that has had a major impact on the U. S. economy.

What Do Baby Boomers Feel about Retirement?

A large number of surveys and studies have been conducted on baby boomers. The following facts were brought to light by a special investigation conducted to determine the baby boomers’ views on retirement.

Baby boomers are looking forward to retirement because it will give them an opportunity to focus on family life and pursue their hobbies and interests. For many of them, retirement is a golden opportunity to pursue another career more suitable to their age and taste.

Baby boomers aim at both professional and personal fulfillment, due to which they focus a lot on preparing and planning for their future. Social security means a lot to them because they utilize to the full the benefits of life and health plans.

Baby boomers are optimistic with a conservative outlook on money and financial matters.

Baby boomers became more successful at the finanical level than their parents. Compared to their parents, they are more likely to work even during their leisure days.

Baby Boomer Impact on U. S. Economy

U. S. economy soared when the baby boomers made their entry into the American workforce. They constituted the major source of labor. Their retirement from the workforce will naturally have a major impact on the country’s economy.

The United States Bureau of Labor Statistics fortells an acute shortage of labor that has to be given immediate attention. This labor shortage is believed to have an adverse effect on the country’s economy.

When baby boomers entered the workforce of American the economy grew at a rate faster than the growth of its population. When the baby boomers retire from the workforce, the growth of American labor force will be much slower, and it will be more difficult to maintain a flourishing economy.

Solutions to America’s Labor Problem

The only way for the United States to save its economy is to persuade its current workforce of baby boomers to continue working for a long time. To encourage baby boomers to retire late, companies and organizations can use the following methods:

Raise the retirement age of those who receive social security pension to 67. This will encourage baby boomers to continue working till the age of 66 so that they enjoy the full benefits of their social security pension.

Redefine pension benefits so that people who extend their stay in the workforce will receive more pay. This method will bear more fruit than just raising the age of retirement to 67. It will inspire baby boomers to hold on to their respective positions for longer years.

Baby boomers enjoy preparing for a financially secure retired life. Due to this, the above-mentioned offers will inspire and encourage them to hold their jobs for longer periods of time. Companies as well as baby boomers will enjoy equal benefits if baby boomers extend their stay in the workplace.

Long-term Solutions

Companies are very much aware of the impact caused by retiring baby boomers on the country’s economy. They have to prepare solutions to deal with the problems caused by a depleted work force. Organisations and companies that have hired baby boomers must modify their policies to accommodate their senior baby boomer employees. At the same time, they must seek lasting solutions to the problems caused the retirement of senior baby boomers. Learning about the views of baby boomers toward retirement is one of the ways of dealing with the situation.

The only solution to the problem of labor shortage would be the retention of senior workers, correction of gender imbalances at work, hiring of immigrants, and outsourcing work. Several American companies and organizations are planning to do this, and some have already begun to use these solutions.

Baby Boomer Health Care Crisis

The United States spends more on healthcare than any other nation in the world. We are the only wealthy, industrialized nation that doesn’t have a universal health care system. There have been ongoing debates regarding the poor access, efficiency, and quality yet the increasing costs. It was impossible to watch one democratic nominee presidential speech without the analysis of this crisis. What does this mean for the baby boomers that make up 27% of the total population?

It’s imperative that the current state of the health care industry be more affordable, stable, and safe for the millions of aging boomers. Over 60% of them who are employed have been diagnosed with at least one chronic health condition such as cancer, diabetes, and arthritis to name a few. 7 million of that group does not have health insurance or have been without it for a period of time since age 50. People with very good insurance receive the very best health care money can by, where as the people with poor insurance receive very little or no treatment at all.

The fact that America spends more money on health care costs than food is astounding. As more medical advances are being made, the more money that is being put towards it. Out of pocket costs for premiums and co payments have taken a huge chunk out of older workers household income. Self employed workers in this age bracket are being hit the hardest. Over half these entrepreneurs spent more than $3,600 on health care costs compared to only 16% of people covered by their employers.

Some baby boomers are concerned that there are not enough skilled people in the health care profession to properly treat all of them. Basically, the supply and demand model is not in their favor. Some suggestions might include doing away with the two-year wait list for disabled individuals to be covered by Medicare, let people get into Medicare early, helped by tax credits for people with low incomes, and add Medicare health accounts for expenses not covered by insurance. The road ahead is not well paved but I believe there is a light at the end of the tunnel.

Many Baby Boomers Choose Senior Retirement Communities As The Perfect Place To Live

We live in a world of options these days. And this has never been more true than with the amount of options for retirement living. Senior retirement communities are just one of a great variety of living facilities that are available to the generation of retiring baby boomers and they are one of the most popular.

Senior living communities are found in all of the state in the US. This is different than it used to be with almost all the retirement villages being located in either Arizona or Florida. Nothing wrong with either of those places, and thousands of retiring baby boomers choose to move to each of those states every year.

But if you are in the mind to live some place where it is not warm all the time, some place that the seasons change and you can look out the window and tell that it has changed, then the internet can be your very good assistant in finding the perfect retirement community for you.

Many times the boomer retirement communities are found on the outskirts of a larger city, like Mesa is located close to Phoenix. This allows the residents of the community to travel a short distance to the city to go out to restaurants or a movie without having to deal with the traffic congestion on a daily basis.

Senior retirement communities are often focused on a particular interest that many of the residents share. The game of golf is a very popular theme for many boomers living in these communities, although there are some that focus on tennis or horseback riding. In the case of these themed communities, many of the facilities and the community events are centered around those activities.

It isn’t that you can’t live there if you are not a golfer, or a rider or a tennis player; it’s just that it is good to be aware of this situation before you move there.

Most of the time there is no way to tell by looking at the community residences that these are retirement communities. Unless, of course, you think that fact is being given away by the well manicured lawns or the perfectly clean streets or the happy smiles on the faces of the residents as they are headed to the onsite restaurant for a delicious dinner.

Senior retirement communities nowadays are full of baby boomers who are very active and youthful thinking people who are not ready to give it all up and move in with their kids. And while that kind of arrangement can work for a lot of people, it does not work for everybody.

But retirement living in a community full of like minded people that you can share a meal with or a trip to the city, now that is something that makes retiring a really good thing.

Retiring Baby Boomer Dentists – Less Dentists, More Patients

The baby boomer generation were a massive group of people seeking professional jobs. They created an influx in many businesses including dentistry. Many of them went to medical school and entered the dentistry field. This changed the way people found dentists because of the amount of new practices opening.

The dentistry world became competitive through advertising and discounted offers on dental care. In addition, the number of clinics that were opening up increased, which gave local community members options when it came to finding a dentist. The rise of the baby boom population gave dental hygiene a boost and forced insurance companies to take notice and offer care. However, the baby boom generation is coming close to retirement age and there aren’t enough new dentists to replace the baby boomers.

The number of people who graduate from dentistry schools decline every year. In a few years when all of the baby boom generation is collecting social security, more and more dentist offices will be closing. This will cause an influx in some offices where clients have limited choices on where to go. Unfortunately, this doesn’t mean the best care is going to be a choice when it comes to finding a dentist. A main criterion for choosing a dentist will be based on location. Without competition from other local dentists, the price of dental care could skyrocket. A dentist with no one else to worry about could start charging any price they want because there is no one to tell him that he can’t.

If you think this is the old problem that is the result of the baby boomer generation getting older, you’re wrong. Dentists’ offices are going to be inundated with patients.

However, the baby boomer generation has an ever bigger effect on the dentistry market. They are clients as well. As they get older, their needs are going to change. The baby boomer generation has different problems. They are going to go from needing cleanings and basic dentistry to more severe problems that inflict many older people such as gum disease, dentures and other dental problems.

The truth is that half of the people that visits a doctor’s office are over the age of 45. This means that the older generation care as much about their health as anyone else. They are going taking a huge percentage of the dentist’s time and create a massive demand in the market. But more dentists aren’t going to pop up because of the lack of students interested in the field.

As people get older, their teeth tend to fall out. This is due to a number of issues such as lack of care or improper hygiene. However, the root also gets weaker for a number of reasons. Medications can cause the root to weaken because of the decrease of the flow of saliva in one’s mouth. Different medications can cause these problems. Speak to your doctor or dentist about any side effects the medications can cause.

Missing teeth can either be replaced individually or a person can opt for dentures. Either way it’s a costly and timely procedure. Baby boomers are going to need these procedures done. If there aren’t enough dentists, an office could become extremely busy to the point where it will take weeks, if not months, to get an appointment.

The baby boomer dentists are creating a double fold problem. However, it’s not their fault. By retiring from their dentistry positions, they are creating less and less offices because there are fewer people in dental school. Even as they get older, they are going to need care as well as causing a demand for dentists.

Baby Boomers Expect a Retirement Filled With Satisfying Leisure Time Activities

Baby Boomers Are Retiring!

Baby Boomers are moving into retirement in increasing numbers. Already, approximately 1/3 of adults in the U.S. (over age 21), is a Baby Boomer, and every day, 10,000 more people hit their 50th birthdays. But they consider this period of their lives to be “Middle” Age – not “Old” Age. Boomers tend to look 10 years younger than their chronological ages, they’re stronger and healthier than previous generations at the same age, and consequently, they’re going to remain active for many years.

Baby Boomer Characteristics

As a group, Baby Boomers tend to play hard, work hard and spend hard – and this characteristic is likely to continue into retirement (the “Me Generation” is at it again). About 80% expect to work (either full or part-time) past their 65th birthdays; however, when they play – they’re likely to continue to play hard and spend hard, just like always.

Baby Boomer Retirements

So how do they plan to spend all this leisure time?

  • They will continue to be interested in things like luxury travel and vacation packages at preferred hotels and resorts around the world.
  • They are heavily invested, even obsessed, with health and fitness, so things like spas, health clubs, active sports, etc. will also be highly sought after.
  • Their nostalgic tendencies will continue to popularize music and entertainment 50s and 60s style.
  • They’re also committed to being lifelong learners and will actively pursue a variety of educational and learning opportunities, whether serious ones (such as graduate school and advanced degrees, or starting their own businesses) or more informal such as those related to hobbies and other interests.
  • Many members of this generation are grandparents, and heavily invested in their roles as grandparents. Consequently, they’ll spend lots of time with their grandchildren.
  • Many will be retiring “in place,” rather than relocating to the Sunbelt or other traditional retirement venues. Consequently, they’ll spend lots of time and energy redecorating and upgrading their homes – in ways that make life easier and more comfortable on a daily basis.

Baby Boomers Are a Motivated Generation

In general, the Baby Boomer generation is highly motivated to fill their retirement years with interesting and exciting activities that will help keep them young and allow them to express their unique gifts and talents, socialize with family and friends, travel to exciting locales around the world, or even, start their own internet businesses.

They are definitely not going to be relegated to the shuffleboard court or the bingo parlor!

Baby Boomer Retirement – When is it For You?

As the financial situation shifts daily around the world, people are wondering if this is a good time to retire. New fears about the future make it appear that one shouldn’t even consider retirement. Whether there are concerns about money, healthcare, or creating a new life, one thing is for certain this isn’t our parent’s retirement.

If you believe the latest press reports, baby boomers have done a poor job of saving and preparing for retirement. The United States does have one of the poorest saving rates in the world. But, is it realistic to expect people to work forty years and simultaneously save enough to fund another thirty or forty years of retirement.

When the retirement age was established in 1934, the age life expectancy was 65. The thinking at the time was if an individual lived that long, it was appropriate to provide a pension to see them through to end of their days. Social Security was never designed to support a majority of the population for a third of their lives.

The model for retirement needs to change. The idea of working thirty or forty years and then not do anything except get a pension is unrealistic. The new extended longevity of life opens up options that need to be evaluated. Deciding on the right time to retire involves a number of factors, not all of them financial.

Like people in the military, police and firefighters, Mark retired from the entertainment industry at a young age. While some of his financial needs were met with a pension, he started a home based business, which allowed him to raise his son and contribute additional income to the family.

Now his son is graduating from high school and Mark is looking for a new challenge. He would still like to earn money from his new endeavor, but the focus is shifting to work that is contributing to society. He is looking for work that is challenge and rewarding, as well as provides income. A reported 77% of baby boomers expect to continue to work, at least part time, past traditional retirement age.

While some will never retire due to financial reasons, many baby boomers are exploring working part time, making a career change to more fulfilling work, starting a business and altering their lifestyle to accommodate new interests. People who experienced a happy retirement report that money was not the primary factor in their well being. Understanding what you need to be satisfied in life is a key factor to plan for the future.

Single Baby Boomers Want a Different Relationship For Dating: This Isn’t Ozzy and Harriet Anymore

I’m just back from presenting two separate computer dating workshops which were 2 hours each. Both of the singles workshops covered different phases of online dating at a Live Singles Conference in Las Vegas. Most of the singles in attendance there were 40 years old and older. Pretty much everyone in attendance were all members of the Baby Boomers generation. The internet dating workshops were very interactive. This turned out to be just great because the participants really got their money’s worth in terms of their investment of time. As a group, the midlife daters over 40 years old and over 50 years old have a lot of questions about dating again in their mature living stage of life. Additionally, Baby Boomers are a generation who is used to an interactive and responsive experience. They desire to receive attention and have their questions addressed and answered.

Baby Boomer Singles After 40 Years Old and Over Fifty Years Old Want Different Things In Their Primary Love Relationship:

Over the course of the weekend conference and the two separate and related online dating workshops, one of the themes which emerged from both sessions as well as was point of conversation then at lunchtime was that Baby Boomers at this stage in life, singles who are over fifty years old for the most part, want a different kind of primary romantic relationship than when they were singles in their twenties or even singles looking to get married in their thirties.

Many of the mature midlife dating singles in their forties and fifties in the Baby Boomer generation of singles have already been married before. These mature singles are likely to either be divorced or widowed.

When that is the case and you are dating after likely already having children and owning a small house, townhouse, or condo, those are important things to discuss in the dates 3-5 and beyond. What do you want? Now that you have already had kids… what do you want now in a relationship?

Not only are these important things and questions to ask your date once you first determine whether or not their is the all-important imperative of In-Person Chemistry (not just the fantasy from Online Email exchanges). These are also important questions to pose to yourself! And Dating is the laboratory for vetting out the truth, testing, and refining.

Until you are well-matched for LIFE partnership… which may or may not at your age result in marriage

Happy Dating and Relationships,

April Braswell

After 50 Dating Expert

What the Baby Boomer Generation Should Know About Dementia, Alzheimer’s and Memory Loss

As the baby boomer generation retires, many are concerned about dementia, Alzheimer’s and memory loss. Modern technology and scientific advancements in health care are helping individuals live longer and healthier lives than any previous generation. The statistics of past generations indicate that 10 percent of individuals over the age of 65 years of age develop memory problems. By the age of 85 years of age, the percentage of memory problems increases to 50 percent.

Baby boomers are a generation that expects to grow old gracefully, physically and mentally. They expect to remain youthful and full of vitality as they age. Boomers do not want to know or experience the ill effects of aging, such as mental decline. This has been a driving force resulting in the research and studies done on the cognitive (thought) processes of the brain.

Although there is still much research to be done, there are some very promising findings being reported. Science now confirms that memory loss is not a normal part of aging. Proper nutrition, physical exercise and challenging the brain frequently are linked to brain fitness.

The causes of memory loss can occur gradually over time. The symptoms are not the average forgetfulness we all experience. As a society that is inundated with audio and visual stimulation everyday forgetfulness is a result of multitasking and stimulation over load.

It is important to be aware of the signs and symptoms of early memory loss, as intervention can prevent or delay the process.

What the Baby Boomer Generation Should Know about Dementia, Alzheimer’s and Causes of Memory Loss

Some causes of loss of memory for the aging population can be due to alcohol abuse, use of illicit drugs, smoking and poor nutrition. There are many health related medical conditions and prescription medications that can have a negative effect on the aging brain. Many of these conditions and the effects they have on the memory can be treated with early intervention.

The aging baby boomer generation can be proactive in preventing memory loss from occurring. Studies show that physical activity such as aerobic exercise helps brain fitness. A study, done on a group of individuals over the age of 55 years old, used brain imaging on individuals that were active versus a sedentary group of the same age. Over a period of 6 months the physically active group exercised 3 hours a week. Both groups had brain imaging studies done prior to the start of the study. At the end of 6 months, the results were astonishing. Several areas of the brain showed an increase in the brain volume of the physically active participants.

The increase in brain volume occurred in the areas of the brain responsible for memory and thought process. Scientists are not sure why this increase in brain volume occurred, but it is thought that an increase in blood supply and connections between the neurons of the brain. Research scientists now feel that an active life style can prevent or delay dementias and Alzheimer’s.

Baby boomers are a generation of ground breakers. They have pushed themselves to the limit and have tried new and different things. This is an important trait to continue to possess as they move into their retirement years. The brain can continue to form new connections between the neurons. This improves the ability to communicate, store and retrieve memory.

Being open to experiencing some new and different often is a key to maintaining a good memory and brain fitness. If you do crossword puzzles or Sudoku and become proficient at that task, you are no longer challenging your brain to continue to form new connections. Take a proactive approach and get out of your comfort zone. Your memory and mind will be glad that you did.

Traveling, meeting new people, dancing and even learning to use the computer are ways to keep the brain growing and firing up those neurons! Consider a brain fitness program.

A brain fitness program should test your abilities in a variety of different categories and identify your strengths and weaknesses. A good program will then build an individualized program based on your initial results. It will assist you to build your weak areas and continue to maintain or improve upon your strengths. A brain fitness program should also be able to give you feed back on a regular basis as to where you have improved and what changes your have made. Research shows that developing new connections occur and the brain can be revitalized by participating in a brain fitness program just 20 minutes three times a week.

The baby boomer generation should know that dementia; Alzheimer’s and causes of memory loss can be prevented or delayed by taking a proactive approach to their health. Physical activity, trying something new and challenging can not only be fun but help your brain remember the good times you have!

Women Oakville Baby Boomers – Sorry Plight Exposed

America, and also the countries surrounding it, comprise a vast population of baby boomers. Irrespective of their location, all baby boomers now face a common situation, old age and retirement. Like baby boomers in other parts of the world, those in Oakville, Ontario are also experiencing age-related problems.

Women baby boomers can be classified into two categories–those who hold jobs and a small minority that are not employed. Each category faces its own problems with life.

Women Boomers in Careers

Employed women baby boomers are less likely to retire in spite of reaching the age of retirement. The jobs held by women baby boomers include short hours and lesser traveling hours. Some women have changed jobs often, and most of them take up a job that promises flexible hours. Women usually tend to take such jobs to get more time to manage their responsibilities at home. In addition, they also have duties toward friends, family, and other people. These women baby boomers hardly get any time for themselves.

Statistics have revealed that women live more than men. Due to this, they often run out of their life savings and resources. Since they are now close to the age of retirement, they seek more ways of securing their future by making a number of insurance and health plans.

Unemployed Boomer Women

A minority of women baby boomers who are not employed anywhere will probably continue to live a life fraught with difficulties. Currently, they are struggling with life. Since they do not hold a job and have selflessly taken care of their families all their lives, they cannot retire and enjoy the benefits of retirement savings. They live below what is commonly termed as poverty line. Moroever, they suffer from poor health and poverty. Even the usual government aid will not be of much help to them in the years to come.

Biased Social Structure

Due to social, political, cultural, demographic, and economic factors, many women baby boomers can’t have a secure retired life. Most of the public and private sectors are male dominated, which means that most policies favor men. Women baby boomers, therefore, have no guarantee with regard to employment, healthcare, pension, housing benefits, and retirement benefits.

The country should understand the needs of women baby boomers. Public and private sector policies should be modified in recognition of the changing structure of the family and to meet the requirements of single parents. It is high time that workplaces eliminated discrimination on the basis of gender and age.

Nature of Boomer Women

In spite of the fact that many women baby boomers suffer from age-related health disorders, they are also a happy-go-lucky people. They enjoy shopping and are also beauty and health conscious.

They pay special importance to their looks. Now that they are getting older, they would like to look younger. Many of them, therefore, color or dye their hair to hide the fact that their hair is turning gray. About seven percent of the baby boomers dye their hair to hide the presence of gray hair. Some of them do their beauty treatments at home while others prefer salons. Soon they realize the utter futility of hiding the aging process and learn to accept themselves as they are.

Here are some facts about women baby boomers:

They have discretionary incomes; however, they are more worried about their financial conditions.

They do not inherit any wealth; average women baby boomers receive only 25-50K.

Several women baby boomers are members of AARP.

They do not really bother about brand names.

Older women baby boomers purchase more perfumes, jewelry, furnishings, computers, watches, and luxury cars.

Middle-aged baby boomers have more parents than children.

A number of baby boomers have become grandparents.

They believe that they can outsmart salespeople.

In spite of being old, women baby boomers still impact society in several ways. Their advent into the world was quite noticeable. Now that they are aging in large numbers, they are once again creating history. The generation of baby boomers is indeed unique in this sense.