Understanding Younger Baby Boomers’ Digital Usage

Many younger boomers have used computers through much of their adult lives, and we estimate that about 85% of 55- to 64-year-olds will be internet users this year. And yet, the internet does not fill as much space in their lives as it does for younger generations.

In a Pew Research Center poll from January 2018, 39% of 18- to 29-year-olds and 36% of 30- to 49-year-olds said they use the internet “almost constantly.” In the 50-to-64 age bracket, less than a quarter (17%) said the same.

Then there’s the smartphone factor. To millennials, digital life without smartphones is almost unthinkable. A majority of younger boomers have a smartphone, but they are not as attached to it as younger people are, partly because they perform fewer functions on it. It doesn’t help matters that more and more younger boomers are becoming empty nesters. Without kids around, they lack the in-house tech support that one’s offspring can provide.

43% of Baby Boomer Entrepreneurs Give “Be My Own Boss” as Top Motivation

Nearly half of Baby boomers seeking to start their own business say the main reason is a desire to call their own shots. In a recent Guidant Financial Baby Boomer 2018 Small Business Trends survey, 43% of respondents gave “ready to be my own boss” as their main motivation to open a business.

2018 Baby Boomer Small Business Trends

Business owners over the age of 50 accounted for 50% of the nationwide aspiring entrepreneurs in the Guidant survey. This was a 10% increase from the previous year. The other motivations for opening a business included: a desire to pursue a passion (42%), the desire to take advantage of an opportunity (36%), an unhappiness with corporate America (22%), and being laid off or outsourced from their current position (15%).

Baby boomers born between 1946 and 1964 are driving small business growth by expanding their existing enterprises or as an encore career. This experience gives them a great advantage over younger entrepreneurs.

David Nilssen, CEO of Guidant Financial, explained this particular aspect of their experience in a press release. Nilssen said, “Those who decide to start businesses later in life have several advantages over their younger counterparts. Baby boomers often have larger professional networks and years of business experience, and we’re seeing an increasing amount who are leveraging those benefits to launch and grow their own ventures.”

The Guidant Financial survey was carried out between November 28, 2017, and December 1, 2017. More than 2,600 male and female small business owners and aspiring entrepreneurs responded to the email survey across the US, including Alaska and Hawaii. The participants ranged in age from 18 to over 70.

Survey Results

The survey also shows the Baby Boomer demographic to be living longer and healthier lives with the need for more than their retirement plans to fund their lifestyles. This group also showed a very positive attitude with 76% of the owners saying their happiness level was 8 or higher on a scale of 1 to 10. The vast majority said they were in the process of expanding their business with 67% saying their business was profitable and only 6% saying they were looking to sell.

Predictably, funding was listed as the biggest hurtle for 61% of respondents. Drilling down, 47% said they did not have the cash for a down payment, 46% listed a lack of knowledge about funding options, 24% complained of unqualified credit scores, 19% were concerned about debt and 18% listed trouble with bank loan approval.

2018 Baby Boomer Small Business Trends

Image: Guidant Financial

Real estate headache: Baby boomers who won’t sell their homes

Thanks to their sheer numbers, the baby boomers have shaped society, driving social change and the economic expansion since the 1970s. But now they’re influencing society in a new way — by holding on to their homes. 

The oldest baby boomers are now in their early 70s, an age that in previous generations signaled a desire to downsize into condos and apartments. But economists are finding that boomers aren’t yet downsizing, at least not in the numbers that some of them had predicted. 

That may be adding to the ongoing inventory crunch facing homebuyers, said Zillow senior economist Aaron Terrazas. Boomers are healthier and working longer than previous generations, which means they aren’t yet ready to sell their homes and strike out for retirement developments. And some may not want to sell their homes because they then must jump into the homebuyers’ market, which is suffering from low inventory and high prices.

“Several years ago there was an expectation that as baby boomers move into retirement, there wold be a surge of homes hitting the market,” Terrazas said. “That really hasn’t materialized.”

That’s pinching the real estate market because Americans over 65 have the highest homeownership rate of any generation. Almost 80 percent of seniors own their homes, compared with 35 percent of Americans under age 35. 

Boomers also say they intend to stay put. In a homeowner survey conducted last year by Realtor.com, 85 percent of them said they didn’t plan on selling their homes in the next year, compared with 59 percent of millennials who are homeowners.

With boomers remaining in their homes, that removes about 33 million properties from the market, Realtor.com estimated. That’s significant considering 5.5 million existing homes were sold last year, according to the National Association of Realtors.

“Moving rates and downsizing among households in their early retirement years is not very common,” wrote Oregon state senior economist Josh Lehner in a blog post about the phenomenon. “In fact it is less common today than in decades past.”

Here are three trends that are keeping boomers in their homes longer:

Working longer

Americans who are over 65 are projected to be the fastest-growing segment of the workforce over the next six years, according to the Bureau of Labor Statistics. While the overall workforce will increase 5 percent in that time, those from 65 to 74 are forecast to grow by 55 percent, the BLS said. 

In May, 9.8 million Americans over 65 were working, the highest number recorded since 1948, according to BLS figures. Older workers have been remaining in the workforce in greater numbers since the 1990s, when, as in earlier decades, the typical 65-plus workforce held stable at about 3 million annually. 

“Retirement today is very different than a generation ago,” Terrazas said. “Thirty years ago, when people retired, it was toward the end of their lives — when they hit 70, they were always hitting health difficulties.”

Downsizing at 80 

Instead, downsizing is increasingly shifted to very old age, when Americans are in their 80s and find themselves unable to care for their homes. 

“In our own research, we find the homeownership rate increases and stabilizes as you get older, but at age 83 you see more people renting,” Terrazas said. “The early 80s is when many people lose the capacity for autonomous living.”

With the oldest baby boomers now 72 years old, it could take another decade before the U.S. sees significant downsizing, he added. 

Kids are still home

Boomers are also coping with another generational change: Their kids who haven’t moved out.

More than one-third of adult children between the age of 18 to 34 are living with their parents. That may make it tougher for the parents to decide to sell, especially in expensive markets where their children might have difficulty finding affordable homes. 

© 2018 CBS Interactive Inc.. All Rights Reserved.

Letter: How is it that baby boomers are so opposed to political protest?

For starters, I believe necco wafers to be a terrible candy. If I ordered a crate of history’s most successful sweets and they, of their own free will, decided they weren’t coming with, I would be ecstatic. I wouldn’t even question how a confection gained sentience, that’s how unpalatable I find them. This is why I don’t understand Trump’s decision to rescind his White House invitation to the Eagles based off of a few other players’ determinations that they would not participate.

Isn’t this how many people view NFL players anyway? As goods to be purchased and traded to play a ball game for the entertainment of others?

If this isn’t how you view them, how can you be upset when they act like what they actually are – real human beings with real views they are entitled to express. Half of the upset don’t understand what the protesting is about in the first place. There is nothing anti-American about it. In fact, exercising one’s free speech on a platform they normally wouldn’t have is one of the most American things I can think of.

For a generation that grew up with harsh protests against our involvement in Vietnam, I don’t understand how so many of them are against protests much more tame in nature. And while I am definitely generalizing an entire generation, I don’t care much seeing as my own millennial generation, as a whole, is blamed for everything from failing Applebee’s to decreased Homeownership.

You guys already won anyway seeing as the NFL has caved and will now be fining teams whose players kneel, a decision that allows them to profit off of a marginalized group of people’s slight dissent – a sickening thought for another time.

Nerpel lives in Fargo.

Medicare workshop offered for baby boomers – Red Bluff Daily News

Passages Health Insurance Counseling & Advocacy Program (HICAP) is presenting Welcome to Medicare workshops for those turning 65 this year or younger adults who will be entitled to Medicare due to a disability.
As people get closer to Medicare eligibility, there are several things to consider. In light of the fact that Medicare’s coverage is much like employer group coverage it’s important to know what questions to ask how will my retiree plan work with my Medicare, can I delay enrolling into Medicare and not be penalized, so I need a drug plan and are there programs available to lower my Medicare health and prescription costs?
Workshops will be offered 10 a.m. to noon Thursday, June 14 at Lakeside Pavilion, 2565 Lakeside Village, Chico and 1-3 p.m. Tuesday, June 19 at Red Bluff Community Center, 1500 S. Jackson St., Red Bluff.
Registration is required by calling 898-6716. This free workshop is designed for baby boomers and others who will be new to Medicare this year who want to understand how their Medicare benefits work. Family members or caregivers are also welcome to attend.
People who are new to Medicare will be deluged with information from different insurance companies marketing their products. Ronda Kramer, program manager for Passages HICAP warns signing up with the wrong plan, or not doing anything may cost new Medicare recipients thousands of dollars, and they may not be able to make changes if enrollment deadlines are missed.
For more information, call HICAP at Passages at 1-800-434-0222. If your group or agency would like a workshop, contact Katherine Tilman at 898-5927. And remember, HICAP does not sell or endorse any insurance products.
Passages helps older adults and family caregivers with important services to empower them to remain confident in their ability to sustain and enjoy independent lives. For more information about Passages services go to www.passagescenter.org.

Annual Generations Expo for seniors, baby boomers draws large crowd | Home & Garden

“Ah, ha, ha, ha, stayin’ alive, stayin’ alive,” boomed through the exhibit hall at Duluth’s Infinite Energy Forum, seniors and baby boomers bobbing their heads to the beat of the song.

On the projector screen before them, two tips popped up: “call 911” and “push hard and fast in the middle of the chest.”

Though the American Heart Association’s hands-only CPR commercial made performing CPR look fun — the commercial urged those performing the lifesaving measure to “push hard and fast” to the beat of “Stayin’ Alive” — the actual experience of having a heart attack is much more serious, something Gwinnett Medical Center Chest Pain Practice Specialist Mary Hudgins stressed to the audience.

One of six speakers at the Daily Post’s Generations Expo on Saturday, an annual free event designed for baby boomers and seniors as well as their families, friends, caregivers and anybody else interested in the issues facing today’s seniors, Hudgins spoke about heart attacks, what signs to recognize and what to do in the event of a heart attack.

For those who live with other people, she said, make sure someone in the house knows how to perform CPR and knows to call 911 immediately.

For those who live alone, she recommended buying some type of life alert system.

“I think you ought to have an alert system of some sort, I really do,” she said. “They make them so they tie in with your security system so when you’re home, you can wear it or have it by the bedside. It’s a great device, and you know, if you’re healthy, you don’t worry about that kind of things, so the first thing would be to take good care of yourself and try to make sure that your risk is as low as possible. But having one of those alert devices is also important.”

The expo, which is now in its fourth year, drew a large crowd to the Infinite Energy Forum Saturday morning, where attendees were able to meet with vendors that provided health and wellness information, enjoy free health screenings, participate in educational discussions such as Hudgins’ and win prizes.

The event, Noreen Brantner, director of events for SCNI — the Daily Post’s parent company, said, was a success.

“We’re really excited to be offering the services that the older community needs,” Brantner said. “I think one of the things with this event is that Gwinnett County is just growing like crazy — especially with the older population — and retirement communities are popping up left and right so this is the type of event that is needed. Attendance has been overwhelming as always and it was a great turnout and a great morning.”

Jo Hall, a local resident who attended Saturday’s expo, echoed Brantner, saying events like the expo are definitely needed.

“I was very interested in seeing all the information for elderly people and baby boomers,” Hall said. “I’m on the cusp, so I sat in on a couple of speakers and they were very, very helpful. It’s just interesting to find out about new procedures and medicine and things like that, so it’s a (good event) to have.”

Boomers’ demands alter senior living trends – Special – The Topeka Capital-Journal

Moving from a culture of care to a culture of hospitality is what many senior living facilities are doing to adjust to the market demands of aging baby boomers.

Baby boomers were born between the mid-1940s and the mid-1960s.

“Baby boomers are just now coming of age when looking at facilities like ours, where we provide a lot of services,” said Claudia Larkin, vice president and CEO at Brewster, 1205 S.W. 29th St. “Space is important, and they’re used to certain amenities in their home, and they’re looking for those again.”

The generation that preceded the baby boomers was “more thrifty” and didn’t require much when downsizing and moving into a senior living facility, Larkin says. When Brewster opened in the 1960s, the apartments were less than 400 square feet.

“We don’t have those anymore,” Larkin said, adding that baby boomers want more space and services than their parents and newer apartments at the senior living complex start at about 1,900 square feet.

“I attribute a little of that to it being their first downsize,” she said of why baby boomers’ demands for space has grown. “They’re leaving homes a little larger.”

Universal design elements are other aspects baby boomers are asking for in senior living facilities, Larkin says. Those elements include zero-entry showers, flooring that allows for ease of mobility, table height breakfast bars and wall ovens and microwaves that eliminate the need for bending.

Larkin says the 13-unit Cottonwood Villas currently under construction at Brewster is on schedule to be completed for move-in later this summer. The facility’s board of directors also has given approval for the building of a pool and 266-seat cultural arts center with a live performance stage.

An intergenerational coordinator has been hired to create and facilitate joint programming for Brewster residents and children, including an art camp this summer with Quincy Elementary students.

“There’s so many benefits to putting the generations together,” Larkin said. “For one, it staves off dementia.”

The joining of the generations is also important for another senior living company that announced it will open a three-story, 132-unit independent living facility in the spring of 2020 on the former Topeka State Hospital grounds near S.W. 6th and S.W. MacVicar avenues.

“We always try to involve the community,” said Jerry Hill, of Calamar Inc. “We do a lot of things with students, but the opportunity to be here on the campus (means we) will have much more structured interactions with the students … it just makes for a very vibrant community.”

Calamar’s community — at what is currently Topeka USD 501’s Kanza Education and Science Park — is expected to include retirees of the school district, who will get the first opportunity to lease an apartment within the first year of the facility’s opening and have their first month of rent free of charge.

“That was something that we asked for specifically. I don’t know of anywhere else that is done,” said Larry Robbins, USD 501’s deputy superintendent. “I saw that it was not only an opportunity for our students, but since it’s a senior living facility, it’s something they can do for our adults who have spent years dedicating themselves to education.”

Some of the intergenerational activities expected on Calamar’s campus once it opens are student performances, technology assistance, tutoring and internships for students interested in senior health care.

With eight facilities in the Midwest, Hill says, Calamar’s expansion into Topeka was too attractive to pass up.

“It’s a very stable community,” he said. “State government is here. It’s a community that many people want to stay in. They don’t want to maintain a home (after retiring), but they want to stay in the same area to keep their doctor, their church, those kinds of things. It just makes it a very strong market.”


Contact education reporter Angela Deines at (785) 295-1143.

New research suggests it’s time to teach baby boomers about patient portals

These days, Americans can manage many facets of their lives through the internet. But a new poll suggests many older adults still aren’t using online systems to communicate with doctors and other healthcare providers, despite the widespread availability of such systems.

As patients age and have more complex health needs, providers may want to help their patients understand that they can authorize their loved ones to have such access. 

That creates something of a quandary for providers, who in recent years have been responding to a wave of consumerism that has placed more power in the hands of patients. Many wield that power online, and healthcare leaders have taken notice, trying to attract consumers with internet strategies that at times mirror those of the retail industry, with a premium placed on access and convenience.

Only about half of people aged 50 to 80 have set up an account on a secure online access site, or “patient portal,” offered by their healthcare provider, according to the new findings from the National Poll on Healthy Aging.

Older people with more education and higher household incomes had higher rates of patient portal use, even though those with lower household incomes and less education generally have more health-related needs.

Age matters, too. People over 65 were more likely than people in their 50s and early 60s to say they don’t like using the computer to communicate about their health, or to say they’re not comfortable with technology in general.

In fact, among older adults who hadn’t yet set up access to a patient portal, 52 percent cited concerns about communicating online about health information. Fifty percent said they didn’t see the need for this kind of access to their health information. About 40 percent of adults, with many of these being in their 50s and early 60s, said they just hadn’t gotten around to setting up their access yet.

For the past several years, the federal government has required hospitals, health systems and other healthcare providers to offer patient portal options to their patients if they want to earn extra funding from Medicare. The requirements include timely access to records and test results that are part of a provider’s electronic health record system.

Among those who had set up an online portal access to their health provider, most (84 percent) had viewed their results from blood tests or other tests. But when asked about other portal functions, the numbers dropped off sizably. For instance, only 43 percent had refilled a prescription online, only 37 percent had used a portal to schedule an appointment, and only 26 percent had gotten advice about a health problem from their provider online.

The poll’s results highlight the concerns that might be keeping older adults from setting up and logging in to the patient portals available to them. For instance, 27 percent of those who hadn’t set up a portal account were very concerned that online communication would bring a higher chance of error than talking with someone on the phone or in person would. Nineteen percent were very concerned they wouldn’t know who from the provider’s staff was answering their question, and 17 percent were very concerned that getting a response to an online communication would take too long.

Yet among those who had signed up for a portal, the respondents were almost evenly split among those who said phone was faster for getting an answer, those who said the portal was faster, and those who said they were the same.

Another sign that older adults may be missing out on potential portal functions showed up when respondents were asked who else they have authorized to see their health information. Of those who have a portal account, 43 percent said they had authorized someone else to log in to see their information — mostly spouses and partners, but also adult children and other family members, some of whom may be their caregivers.

Among those who hadn’t authorized another user, 22 percent said they didn’t know how to set this up, and 35 percent said they prefer to keep their information private. The other 43 percent said they don’t have anyone else who helps with their medical care.

A recent IHPI study found that “health supporters” such as adult children are willing and able to help people with chronic illness, but often feel left out by both patients and providers.

Twitter: @JELagasse
Email the writer: [email protected]

Millennials talk about the baby boomer generation

millennials tell us about the problems they now face because of
baby boomers.

Business Insider

Whiny, self-obsessed, not politically engaged enough — the
accusations directed at millennials by older generations seem to
be endless.

Millennials, or anyone born between 1980 and 2000, often get
painted as pampered do-gooders with a naive worldview, whose
priorities extend only to getting sabbaticals and being allowed
to work from home.

Generation Y “has never been involved nor has it ever been
engaged in politics,” Edzard Reuter, former head of Daimler,
said to Südkurier in 2016.

That may apply to a few among the younger generation, but perhaps
these generic criticisms are actually a little baseless and
overlook the bigger picture — especially coming from the baby
boomers, who will soon be reaching retirement having left their
children and theirs in a world that’s seemingly impossible to

Decades of disregard for the climate, unfair policies, and
structures being implemented between the generations and
questionable ideas concerning success in the workplace have left
18 to 38-year-olds a heavy weight to bear.

Twenty-one young people from Germany told Business Insider of the
problems the baby boomers have created and perpetuated in Germany
and how they can be solved:

‘Let’s stop talking about what’s gone wrong.’

millenial felix
Felix Finkbeiner, 20,
environmental activist.

Flickr / Plant
for the Planet

We’re hurtling towards the edge of a cliff at full pelt — it
isn’t for the sake of science that we’re trying to figure out the
quantity by which sea levels are set to rise; it’s about

Together, with more than 67,000 other children and young people
from our Plant for the Planet initiative, I’ve committed myself
to combatting the climate crisis. And yes, perhaps the older
generation is listening to us but are they doing enough?

The climate crisis is the greatest challenge of our time. The CO2
clock is ticking. What must we do and what can we do right now?
Well, we can massively reduce our CO2 emissions. And we can plant
1,000 billion trees to absorb a quarter of man-made CO2. I’d say
to the older generations, to company bosses and to politicians:
“Let’s stop talking about what’s gone wrong or what’s going wrong
— let’s plant trees together and save our future.”

‘It’s older people who get to call the shots on pensions — yet
they no longer have to cough up.’

Sarna Röser (30), Chairwoman of Young Entrepreneurs
Röser, 30, chairwoman of Junger Unternehmer (Young


Most baby-boomers will be retiring soon, which will put
considerable pressure on our pension system. There’s massive
disparity between the number of working people and the increasing
number of pensioners for whom those working people are footing
the bill.

I think a simple and logical solution would be if everyone had to
work for a period of time during their latter years. And
retirement should be linked to life expectancy. I’m sceptical
about who decides what’s what when it comes to pensions. You only
find older people sitting on the Pensions Commission, who no
longer foot the bill themselves. We younger people have to hand
out payments but aren’t given a say.

‘The biggest problem the baby boomers have left us isn’t that
they haven’t grown out of their crap.’

Kevin Kühnert (28), national chairman of the Jusos
Kühnert, 28, national chairman of the youth organisation of the
Social Democratic Party of Germany, Jusos.

Getty Images

The biggest problem the baby boomers have dumped on us isn’t that
they haven’t grown out of their crappy habits: it’s the state
they’ve in which they’ve left the future of our pension system.
Pay-as-you-go financing, which has been successfully practiced
for decades, will come under increasing pressure as more baby
boomers leave the workforce and begin receiving benefits from the
pension fund. This news comes as no surprise but politics has, so
far, failed to make provisions for that day, when it comes.

Fewer contributors and more beneficiaries means great challenges
will be posed for the statutory pension for a good 15 years. How
these challenges will be managed isn’t just a technical question.
In fact, some are taking the opportunity — through scandalous
inaction — to slowly chip away at the principle of solidarity
when it comes to pensions and to privatise them. If all employees
became contributors, we could increase contributions slightly
and, if necessary, avoid shying away from tax subsidies.

‘We’ve inherited the baby boomers’ workaholic attitude and taken
it to the next level.

Stefanie Laufs, 31, Senior Communications Consultant at a PR agency  millenial
Laufs, 31, senior communications consultant at a PR


The notion that Generation Y has no interest in professional
success and think of the home office as synonymous with doing
nothing is certainly not new — and unfortunately, it’s firmly
rooted in the minds of many among the older generation. I
actually believe we’ve inherited their workaholic attitude —
always better, always more, always higher — and that we’ve taken
what the baby boomers did and pushed it much further.

Whether among friends, colleagues or in reports in the media — no
other generation linked with topics such as burnout or partly
unpaid overtime as often as ours. The demands on our generation
when it comes to starting a career are enormous. You’re expected
to have five years of professional experience after completing
your studies as well as to nearly have finished your PhD. Of
course, you can’t solely blame the baby boomers, but they’ve
always stressed the importance of establishing a career and
reinforced that it was the key to a successful and happy life.
Although we’ve taken on this attitude, we’d actually do a lot
better to leave it behind. Generation Y continues to work a lot,
but having a private life is much more important than money:
leisure and downtime shouldn’t be overlooked.

Our generation is on its way to achieving the ideal work-leisure
balance and to putting the baby boomers’ workaholic madness to

‘Too much emphasis on progress and performance is a key problem
we’ve inherited from the older generation.’

Jonathan Sierck, 24, author of the book
Sierck, 24, author of the book ‘Junge


A serious problem we’ve inherited from the older generation is
this fixation on progress and performance. In our tireless
efforts to push boundaries, whatever the cost, there’s usually
little room to address the often serious consequences. There’s no
doubt about it: constant growth and development does pay off and,
as a species, we have to take certain risks every now and then in
order to move forward and survive. But pushing boundaries mustn’t
become the objective itself nor must it come at the cost that it
currently does.

In order to steer us into a desirable future, we need those in
decision-making positions to be sharp. They need both the courage
to change yet the informed judgment to pick up on warning signs
too. To ensure we don’t continue to deplete our resources, we
need a clear plan that takes into consideration the effects of
our actions. Otherwise, we’ll leave our future generations with
more — possibly even more serious — problems than those we have
inherited, whether they be nuclear waste, the bees dying off or
climate disasters.

‘Our education systems barely differ to those of the previous
generation — and neither has the emphasis on grades and targets
in the world of work, unfortunately.’

Magdalena Rogl, 33, Head of Digital Channels Microsoft Germany
Rogl, 33, head of digital channels Microsoft


I’m firm on the notion that we owe much to the those who came
before us. Especially the generation born in 1968, who
revolutionised so much and helped break down so many structures.

But one area in which far too little has happened in recent
decades is education. Our education systems have barely changed
from those of the previous generation — and neither has the
emphasis on grades and targets in the world of work,

At the age of 10, our children are still “sorted” into schools —
not based on their individual talents, but purely according to
their grades. Applicants are still assessed according to their
qualifications on paper far too often, and not by what they
actually know. And academic degrees are still worth more than
emotional education.

I still remember the look of horror on the faces of my first
boyfriend and his parents when I announced I was leaving high
school as soon as I legally could, to follow my heart and become
a childcare worker.

But I think I learned more life lessons through doing so than I
could have ever done at university.

And that’s exactly what our generation so urgently needs: lessons
in life. More and more tasks are being taken over by machines and
artificial intelligence. The skills Generation Y needs in
professional life today are not obedience, authority and academic
knowledge, but empathy, flexibility and problem-solving.

Our generation must adapt quickly to new circumstances, because
the job you did yesterday may look quite different tomorrow. And
the office is no longer about sitting at a desk from nine until
five; it’s about working at a time and place that maximises one’s
quality of work, based on the individual.

That’s why I’m committed to ensuring our future generations get
better human and digital education, so they make our world more
human and each individual person can be as he or she is — and
thus achieve their own best performance.

‘Those who monopolise most of the power are, on average, much too

Daniel Krauss, 35, co founder and CIO of Flixbus millenial
Krauss, 35, cofounder and chief information officer of


Today’s prosperity is probably the greatest legacy of the
previous generation. We should definitely be grateful for it. But
it’s not as though it’s being passed down to younger generations
without its drawbacks. The downside is that his focus on
prosperity means few provisions have been made for the future and
we haven’t adapted to our current challenges.

Those who monopolise most of the power are still, on average, far
too old. Brexit or the falling investment rate in our current
budget are demonstrative of this and show that our generation is
still trapped in a gilded cage. At some point, young Germans are
going to escape that cage and find that the country is no longer
at the top of the list of industrial nations.

This power needs to be handed over to the younger generation at
an early stage. We’re ready to take on the responsibility and to
start restructuring things.

‘The older generation knows little about what constitutes a
healthy and balanced diet.’

Jörg Mayer and Nadine Horn (early 30's), vegan bloggers on
Mayer and Nadine Horn, both in their early thirties, are vegan
bloggers on ‘Eat this’.


Abundance in food and convenience have featured heavily in the
kitchens of the post-war generation. Where meat had previously
featured rarely on the dining table, it was almost a compulsory,
everyday part of meals in the 1950s. But it had to be simple,
fast and cheap.

It’s becoming increasingly clear that this kind of practice can’t
go on indefinitely for future generations.

Due to this abundance and a lack of true appreciation for food,
some among the older generation have little idea about what
constitutes a healthy, balanced diet. What’s more, over the years
a lot of marketing-driven pseudo-science — which, simply put, is
often wrong and sometimes even dangerous — has persisted.

Questions like: “Where do vegans get protein from if they don’t
eat meat?” or the myth that milk consumption is good for the
bones (when the opposite is true) are still firmly anchored in
their minds and will only be shifted with a lot of effort.

We try to set a good example and show that vegan life is anything
but boring, that we don’t just live off salad or tofu — that the
kitchen can be a place to have fun. We’re trying to show that
cooking with friends, either alone or in pairs, is not another
tedious chore; it’s the best thing you can do.

‘Politicians must take us and our ideas seriously.’

Ria Schröder (26), Federal Chairman of the Young Liberals millenials
Schröder, 26, chairman of Jungen Liberalen (the Young

Business Insider

The baby boomers, our parents and theirs, have been instrumental
in ensuring we grew up with high living standards. I’m grateful
for that but we’ve also inherited a few problems, one of them
being the pension situation. Like many in my generation, I don’t
assume I’ll be provided for in old age. The level of baby boomers
being paid for by us is ever increasing while there are fewer of
us to foot the bill. It’s great that people are living longer but
the subsidy for the pension system is already the largest item in
the German budget.

At the same time, less and less is being invested in the future:
for example, in education and in infrastructure. My generation is
outnumbered. But those who focus only on large voter groups are
putting the future of our country at risk in favour of short-term
electoral success. Politicians must take us and our ideas
seriously. Ultimately it will help not only one generation but
the whole country.

‘We know humanity has power over the Earth’s biophysical systems,
thanks to our predecessors.’

millennial Sina Leipold, 32, Junior Professor of Social Transformation and Circular Economy at the University of Freiburg
Leipold, 32, junior professor of social transformation and
circular economy at the University of


For some time, we’ve known humanity affects and has control over
the Earth’s biophysical systems more than any other force of
nature — knowledge we’ve attained only thanks to our
predecessors. It is both a blessing and a curse for our

Never before have so many people been able to inhabit our planet
and never before have commodities like regular holiday flights
been so easy and readily affordable.

At the same time, hurricanes, floods and heat waves have
threatened to destroy (and, in many cases, have destroyed) the
lives and homes of millions.

My personal goal, through a more responsible approach than
previous generations, is to help our generation ensure this power
sticks around long term, instead of putting it at risk by
inviting irreversible climate disasters.

‘Older generations aren’t prepared to take risks.’

Christopher Obereder, 26, series founder millennial
Christopher Obereder, 26,
startup founder.


Setting up a business in Germany is far too complex; it should be
more straightforward. Other countries are well ahead and we
should be moving on as soon as possible. The tax system in
Germany is also massively outdated and makes it extremely
difficult for those looking to get started with a business.

Start-ups could be much better supported with tax reforms so the
start-ups could focus more on taking care of their business.
Singapore has attracted startups from all over the world with its
simple control system and has become the hub of the crypto scene.
Our political structures are also too slow to change and aren’t
able to keep up with innovation. Things have to change on this

A recent survey by U.S. News showed Germany
was in first place in the “Entrepreneurship” category, ahead of
Japan and the USA. It’s clear Germany is at the forefront despite
the clear room for improvement.

Work has also changed: people used to stay in the same job their
whole life, which is why it used to be feasible to work without
constantly developing and learning. Today we seem to switch jobs
every year or two. I think it has a lot to do with the Internet.

We always need to be ready to learn new things and take risks.
And many opportunities and possibilities arise with the Internet,
if you’re open to it — cryptocurrencies are something I’m
currently heavily involved in and open to, and I realise older
generations aren’t.

There’s conflict simply because older generations always advocate
stability and safety over risk-taking, which they aren’t prepared
to do. I can only speak for myself but if I’d never taken risks,
I’d never have learned. We have to learn through trial and error
that you can’t make money from anything and everything. Failure
has become a valid part of working life, even if older
generations still don’t want to admit it.

But older generations are starting to accept the start-up scene
for what it is: it’s fast-moving, involves risk-taking and isn’t
always lucrative.

‘The older generation has left European peace in a fragile

Lisa Badum, 34, Green Member of the Bundestag
Lisa Badum, 34, Green
Party parliament representative.


The rapid rise in greenhouse gases, the dramatically worsening
climate crisis, the question of nuclear waste disposal, the
irreversible death of countless plant and animal species — these
are just some of the many consequences of failed climate and
environmental policies from previous generations. Because they
haven’t relied on sustainability, they’ve dumped the consequences
of and responsibility for their actions onto future generations.
We’re now having to face a mammoth challenge together: to keep
global warming below two degrees to give future generations the
chance to make mistakes.

As for Europe, our younger generation has inherited the task of
establishing European peace, a project which the older generation
has left in a sorry state. The continually rising rate of youth
unemployment within the EU, austerity policies, Brexit — all of
these things have greatly weakened the notion of the “European
community” and reinforced right-wing nationalist and populist
forces in Europe. I myself have close ties with Greece, and over
the years I’ve witnessed the destructive effects of austerity
there, and have also seen growing disillusionment towards the EU.
We have to stop this in its tracks and do it now, because lasting
peace between us all is the most basic of prerequisites for
taking on the many challenges ahead and finding solutions for

Where justice and gender equality are concerned, the older
generation have set us on a path of clear progress, particularly
as regards legal equality between the sexes. While we have to
defend this success, we also have to continue fighting for 100%
equality between men and women, whether in family and work, pay
or pension and the end of sexual violence towards women and

‘Digitisation is largely a generational issue.’

Barbara Engels (30), Economist at the Institute of German Economics Cologne (IW) millennial
Engels, 30, economist at the Institute of German Economics
Cologne (IW).


Being digital means being online, networking, being open to new
business models — and being young. It seems to be a largely
generational issue: older people are less likely to be online
than younger people, which is a pity because digitisation opens
up many new possibilities, especially for people who are aging.
It can simplify and enrich everyday life. I hope people of all
ages will greet digitisation with open arms and optimism, but
obviously not without a healthy dose of scepticism. Networking is
at the heart of the digital world, and could contribute to a
better level of understanding between young and old. And it would
help us learn much more from older people and vice versa.

‘Pension plans are a big disappointment.’

Kristine Lütke, 35, Bundesvorsitzende der Wirtschaftsjunioren Deutschland millennial
Kristine Lütke, 35,
president of WirtschaftsjuniorDeutschland (the Junior Chamber


The subsequent drop in birth rate as a result of the rise of the
contraceptive pill among the baby boomers is exacerbating
demographic change. This has resulted in a shortage of
specialists and labour in all areas of the economy. We young
entrepreneurs and managers in particular are suffering from this
as employers. Moreover, our country’s pension plans are a huge
disappointment for our generation and an attack on
intergenerational justice, particularly in view of demographic
changes. The question of b illions of funding for the “maternal
pension” that’s been proposed in Germany remains open.

What can be done to increase employment rates and to mitigate the
consequences of demographic change, as well as the pensions
package? We need to look at options for flexible retirement. The
statutory retirement age should be done away with. And working
time law needs to be fundamentally reformed.

‘Climate change presents us with challenges that will dictate the
opportunities of future generations.’

Lukas Köhler, 31, FDP Bundestagsabgeordneter
Lukas Köhler, 31, Free
Democratic Party Member of Parliament.

Lukas Köhler

We’ve inherited a lot of problems to do with CO2 in the
atmosphere. Climate change today presents us with a task — and
how we manage this task will directly determine the opportunities
available for future generations. That’s why I’m fully committed
to limiting climate change as much as possible. We will only
succeed with a market-based climate policy in which politicians
set clear targets for reducing emissions. Other bans and
regulations are unnecessary and provide false incentives. I f we
succeed in building a global emissions trading scheme with
ambitious goals, which is as broad as possible for all economic
sectors, I’m convinced we can limit global warming to an
acceptable level.

‘We’ve been left with a society that revolves around profit
rather than sustainability.’

Sonja Oberbeckmann, 36, environmental microbiologist at the Leibniz Institute for Baltic Sea Research
Oberbeckmann, 36, environmental microbiologist at the Leibniz
Institute for Baltic Sea Research.

Sonja Oberbeckmann

We have much to thank the previous generations for: no generation
has grown up as carefree and with as many possibilities as ours.
However, it’s come at a price: we’ve been left with a society
that revolves around profit rather than sustainability, where
material prosperity counts more than individual happiness.

My professional field, science, is set up for the short term:
there are many temporary contracts, focusing on trendy topics.
But this profit-focused society has left its mark everywhere. The
environment is riddled with pesticides, exhaust gases, plastics
and much more. People are stressed and it seems they would sooner
pop pills than demand the time to live more healthily. Hardly
anyone stops to breathe.

We, all generations together, can define new goals and break out
of this established cycle, that’s exploiting human and
environmental resources. Instead of sitting passively in front of
the television and getting worked up about company bosses, we
should all be taking responsibility and consuming both more
sustainably and consciously. And we should be asking ourselves
from time to time what actually makes us truly happy.

‘We’re still teaching as though we’re in the 19th century.’

Nina Toller, Private Teacher millennial
Nina Toller, Private

Business Insider

Living in the 21st century, teaching 19th century style: this is
what seems to be at the core of our schooling.

I’ve tried myself to fend this off with learning methods that
combine critical thinking and communication with creativity and
teamwork, as well as the use of digital media. My students
shouldn’t just be learning content and facts; they should be
learning how to obtain new facts, how to share work effectively
and efficiently, and how best to absorb and apply what they’ve
learned. In this way they develop openness, a willingness to
learn and also a certain degree of independence. The teacher
becomes more of a companion for learning and a moderator.

My school is open to digital media and supports me in my creative
work. I almost always use QR codes or get foreign-language
authors, into the classroom via Skype.

Yet, due to a lack of technical support, training, time and
security, few teachers can organise something like this on their
own initiative. On my page “Toller Unterricht” I publish lots of
my ideas as well as tried and tested lesson plans, with materials

Politicians have made promises to digitise schools. In addition
to the lack of qualifications teachers have, there also sees to
be be a lack of equipment. I’m glad my school has some projectors
and smartboards I can use for my lessons, but some don’t even
have Internet access.

Data protection is currently being taken to ridiculous extremes:
new data protection regulation makes the use of private computers
difficult, so some are being advised to use paper and pen. This
won’t work within the frame of a digitisation strategy for
Germany in 2018.

Therefore, a comprehensive reform is needed. Only then can we
equip all our students with the skills to prepare them for life
and learning in the 21st century.

‘It’s as if the parents think schools are responsible for raising

Franziska Hafer, 23, teacher
Franziska Hafer, 23,


The older generation has paid far too little attention to
sustainable development. Sustainable development means empowering
children to form their own opinions and encouraging them to act
sustainably. Sustainable development means the current generation
is developing, not compromising the next generation, but actively
considering it. Children haven’t been sensitised to this at all.

I think there’s a very different tone in schools now. I get the
sense that kids are becoming less and less respectful. Manners
are disappearing and, unfortunately, you rarely see a boy holding
the door open for a girl. It’s as if parents think schools are
responsible for bringing children up.

Some children are only interested in who has the latest,
highest-end mobile. The children who do not have a say in this
are outside the picture — and I think that the generation above
us is responsible for instilling different values.

‘We’ve inherited a toxic political style from the generation
before us.’

Max Lucks, 21, Federal Spokesman of the Green Youth millennials
Lucks, 21, spokesman for Grünen Jugend (Green

Max Lucks

We’ve not inherited generational conflicts; we’ve inherited a
toxic political style from the generation before us, which has
dealt little with political change or shaping the future, and has
been more focused on how everything can remain as is. One only
has to look at how Merkel’s government has dealt with a climate
crisis and how it’s always been ignored and fought against by one
commission or another. This political style has disappointed our
generation and rightly so: it’s clear to young people that a
little isn’t enough to answer the hard questions. For example,
how can we still find well-paid and permanent jobs in 20 years’
time in spite of digitalisation?

‘The older ranks of conservative politicians are afraid of

Akilnathan Logeswaren, 29, European Activist
Akilnathan Logeswaren, 29,
European Activist.

Business Insider

As an activist for a united Europe, I’m always reminded of how
much of the older ranks of conservative politicians fear change.
While young people are almost unanimous in their commitment to a
united Europe, the older generation is still resistant to it,
although though the United States of Europe has been on the
agenda of previous German political figures such as Franz Josef
Strauss himself .

While old politicians are practicing against the left by
remaining on the right, today’s young people are already focusing
more on the spirit of the European Parliament, namely by looking
for solutions.

In the 21st century, it is no longer about just having ideas, but
about collaborating for a shared future. For example, the
campaign #FreeInterrail — a free Interrail ticket for all
Europeans as soon as they turn 18 — was devised by the youth for
the youth. Ideas like these will secure our peace and cohesion in
the long term.

Read the original article on Business Insider Deutschland. This post originally appeared on Business Insider Deutschland and has been translated from German. Copyright 2018. Follow Business Insider Deutschland on Twitter.

Baby boomers an untapped opportunity in snack category | 2018-05-30

CHICAGO — Baby boomers represent an untapped opportunity in the booming snacks market, particularly in the confectionery category, where younger generations drive most of the growth, according to Information Resources Inc. (I.R.I.).

“You’ve got 74 million consumers out there that are looking for some new options that will appeal to them,” said Sally Lyons Wyatt, executive vice-president of thought leadership at I.R.I., during a presentation at the Sweets & Snacks Expo in Chicago. “Their taste buds are different. What they like is different. You’ve got to take that into account and find some ways of attracting those consumers back into the category.”

Snacks continue to outpace total packaged food and beverage in dollar sales, rising 3.4% in the past year to reach $42.5 billion, according to I.R.I. data. Candy sales grew 1.4% to $25.3 billion.

“On average consumers are snacking over 2.5 snacks a day,” Ms. Lyons Wyatt said. “And that continues to grow. Younger consumers actually snack more than that, and we think there’s a great potential for future growth in snacking because of the younger consumers eating smaller portions throughout the day and snacking throughout the day.”

Potato chips, tortilla chips, snack nuts and nutrition bars are among the top snacking categories, but other salted snacks, such as products featuring seaweed, onion, chickpeas or beans, are driving significant growth, Ms. Lyons Wyatt noted.

“This is where consumers are gravitating,” she said. “Why? Because it’s exciting. Because they’re getting different snacks and different forms of snacks.”

Within snacking, product preferences vary across generations. Popcorn, pork rinds, snack nuts and sunflower seeds appeal to boomers, while millennial and Generation X consumers are more likely to purchase fruit snacks, granola bars, tortilla chips and other salted snacks.

The confectionery market is largely comprised of chocolate, seasonal candy and non-chocolate chewy candy, the latter of which contributed more than half of dollar sales growth in the past year. Millennials and Generation X consumers demonstrate broad appeal for a wide variety of confections. Baby boomers buy fewer treats, Ms. Lyons Wyatt said.

“It doesn’t mean that they’re not buying,” she said. “Compared to the average consumer, they’re not buying as much.”

Non-G.M.O., gluten-free and organic claims continue to drive growth in snacking and confections. Vegan is emerging as a key attribute.

Baby boomers seek snacks with low or no saturated fat and reduced sodium and are more likely to choose confections with protein, antioxidants, reduced sugar and no or low caffeine, Ms. Lyons Wyatt said.

“Functional and holistic health attributes are really appealing across the generations,” she said. “As you look across your portfolio, are you having different types of products that are going to appeal to the different generations from a confections standpoint?”