Easy BabyBoomer nails with nail polish ✩ PinkFlyingCow



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Products used:
– Top coat – Seche Vite dry fast top coat
– Base coat – Depend
– Brush – from a local craftstore (I cut them myself)
– Nail polishes (in order of appearance):
— NYX Girls #NGP226 Nude Peach
— NYX Girls #NGP177 French Pink
— Kleancolor #04 White

How I cut my brushes:

E-mail:
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Blog:
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If you have any questions – feel free to ask! 🙂

Websites I love:
Beautyjoint – where I buy ALL of my nail polishes: https://www.beautyjoint.com/
Bornprettystore – nail art accessories and more: http://www.bornprettystore.com/
— 10% off – coupon code: PINW10

What I use for my videos:
Canon Powershot G7x
Photoshop CC
Final Cut Pro X

Intro song:

Rainy Day Games by The Green Orbs

Song:

Thinkin Back by Silent Partner

[TUTO] Nail Art Baby Boomer



☺ Toutes les infos et codes promo ↓↓↓↓↓

Réaliser facilement une baby boomer à l’éponge et ajoutez-y un nail art entièrement réalisé au vernis.
Easily make a baby boomer with a sponge and add a nail polish nail art .

Matériel utilisé:
– base coat Cliché
– vernis blanc
– vernis Cliché Imperatriz
– éponge
– latex liquide
– dotting tool et pinceau fin
– top coat Sèche Vite

Matériel disponible sur le site Vernisongles.fr, -10% avec le code MARIE10.

Musique: Bibliothèque audio YouTube

*-10% avec le code parrain 1470810 sur TrindShop.fr*
*-10% avec le code BLT10 sur www.neejolie.fr**
*-10% avec le code MARIE10 sur www.vernisongles.fr*

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Twitter:
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http://www.wizdeo.com/fr/blog

The Baby Boomer Refrain: They’re Really Going to Miss Us When We’re Gone

American Business, say goodbye to the Baby Boomer generation as we begin our march into retirement. Yes, you are lightening your payrolls as higher paid workers leave. But, a lot of hard-to-replace knowledge and expertise also is walking out of your door. The generations that follow will be very different from what you have seen. You will not be replacing like with like. You will be getting people with very different mentalities and perspectives on life and career. So, how do the generations differ in the workplace?

THE BOOMER GENERATION (Born 1946 – 1964)

Boomers are distinctly different from the younger generations. Work is a special activity for this group. Many “live to work” versus other generations who “work to live.” Money and title are affirmations of both their accomplishments and their value to the company. However, the paradox is that while they see title and rank as affirmation of their own value, they don’t necessarily respect the title, but rather evaluate the person behind the title. You must earn the respect of a Boomer. Respect is not ascribed by position.

Because of the importance of work to this group, many are described as workaholics and their work ethic is strong. Being part of a team and being a team player is important. Boomers are involved, focused on quality, and are looking for fulfillment – a lot of which is provided by the job. Boomers are driven to accomplish, but don’t micro-manage these people unless you want a very disgruntled worker. Also, don’t ignore their accomplishments or their need to be valued.

GENERATION “X” (Born 1965 – 1980)

Generation “X” is very different in style and perspective compared to Boomers. Let’s start with a very clear difference. Talk to a Boomer about a project or task and they will interpret this as an order that needs to get executed immediately. However Gen “X” will interpret the same conversation as an observation about something that needs to get done, but not necessarily in an immediate time frame. You see, Gen “X” demand the freedom to determine when, how, and where an assigned task is completed. As a group they are very self-reliant, but are open to direction and they do want some structure in the workplace. Having said that, they very much want to do things their way, forget the rules. Providing this freedom is important if you want to retain these workers.

They are very intolerant of bureaucracy which they see as an impediment that gets in the way of their freedom. This group considers the workplace as just a job versus the Boomers focus on “Live to work.” The other important thing is how they respond and are motivated by rewards. For a Boomer, a reward provided at any point is welcome. Not so for Gen “Xers.” For Gen “X” rewards for a job well done must be immediate. Delayed rewards are confusing and do not work as well. As a group, Gen “X” is much more laid-back in respect to Boomers. Fun and informality is important. Gen “Xers” are looking for new skills and experiences and will change jobs if their employer does not offer these or if the job gets stale.

GENERATION “Y” (Born 1981 – 2000)

This is the newest generation entering the workforce and man, are they different from what you are used to. This generation grew up with everything electronic and they are wired. Preferred communication channels for this generation are e-mails and instant messaging. This group is comprised of multi-taskers with one hand on a keyboard or I-Pad and the other on a Smartphone.

At work, this group is described as very tenacious, goal-oriented and entrepreneurial. However, unlike the Boomers who “live to work,” Gen “Y” believes that work is just a means to an end, rather than an end in itself. They are motivated by meaningful work, but don’t try to give them tasks that are “make work” or trivial, because this will only turn them off. How does this group like to be recognized and rewarded: When they want it and immediately. Delayed rewards do not work. Everything in their world is instant and immediate. They are described as loyal, technologically savvy, socially responsible, and oriented towards work-life balance.

SO, WHO’S BEST

The reality is, if you are an employer, there is no best. There are only differences. But here’s the point: All of the policies and reward structures that have been in place for so long have been directed to the characteristics of the Boomer generation. As Boomers head for the exits, many of these policies will no longer work and you will need to adapt to the new reality if you want to maintain a happy and productive workplace. “Live to work” is leaving the building!

What do Millennials owe Baby Boomers? – Stuff.co.nz


READER REPORT:

MIKE SCOTT


pension-land

123rf

No one under the age of 40 should assume that there will be a government pension waiting for them, writes Mike Scott.



New Zealand is facing tough decisions. Don’t be fooled by the wafer thin political surplus or balanced budget, New Zealand has some very big decisions ahead that cannot be put off indefinitely.

The budget is being supported by the massive immigration we have at the moment, but Auckland cannot keep adding a city the size of Napier to it every year indefinitely.

Auckland is already running out of room, houses and infrastructure and is log-jammed. Did you enjoy the city commute this morning?

Migration is masking the threats to the revenue side of the ledger. Dairy and other commodity industries are on their knees, and every country in the world thinks tourism is the saviour to the world slow down. Meanwhile, the expense side of the ledger is about to face exponential growth pressure as the baby boomers age and retire.

A cost that will fall to their children, the Millennials, those born between 1980 and 2000. The same generation that is currently being excluded from the housing market, and, according to some research, the first generation to be unlikely to enjoy the same prosperity and standard of living as their parent’s generation 

READ MORE:
* Millennials: Pampered selfie-takers or the super-savvy generation?
Why I hate the Baby Boomers 
Expat Baby Boomer thinks of home 

An already overloaded and strained medical system is about to be placed under a whole lot more stress as both the Baby Boomers age, and presumably require more care, and expect longevity with expensive science and medical advancements. The cost of the medical system in Australia is already running at 5 per cent more than inflation.

New Zealand will need to choose whether to fund this additional cost through increasing taxes, such as a capital gains tax or increased income or consumption taxes, or whether to prioritise medical care.

If we prefer prioritisation of medical services then perhaps, by way of example, retirees may have to either fund their own joint replacement from their assets or go without, as prioritisation is about focusing resources on maximising value, and future tax payers have more value than past tax payers. Retirees will argue that they paid their taxes, and many did, and are, therefore, entitled to state services, but the reality is that as a nation we are not paying enough.

Similarly pension costs will soar as the Baby Boomers retire and live longer. Treasury released a report, its third Long Term Fiscal Outlook, that repeats its warning to future governments that net debt will blow out to an unsustainable 198 per cent of GDP by 2060 because of the increased costs of pensions and healthcare from an ageing population, unless government change their spending or revenue. Greece’s debt was 175 per cent of GDP in 2013. Presumably Baby Boomers do not want to leave the country bankrupt as their legacy to their children.

No one under the age of 40, or perhaps maybe even 50, should assume that there will be a government pension waiting for them. Just ask the Greeks.

Instead, an amped-up KiwiSaver, similar to Australia, or social security account, similar to some Northern European countries, should be considered to move the burden of retirement from the next generation to an individual responsibility, particularly as many skilled and educated from the younger generations will need to earn some of their money and pay taxes overseas.

We have already chosen to prefer migration over our children and younger and future generations. It is rapidly becoming impossible for young people to afford a home and raise a family, particularly in Auckland, without foreign earnings and savings. As Auckland median house prices go past $900k, Auckland has by some measures become the least affordable city in the world, which does not bode well for young and future generations.

READ MORE:
Quit the online anti-Baby Boomer rhetoric 
The joys of being a millennial in a Baby Boomer world
More NZ retirees will become homeless without action on housing 

Goodness knows how Auckland will procure future teachers, nurses and police if they cannot afford to live in the city, unless there is a dramatic increase in their pay and, yes, therefore more tax.

What is clear is that Millennials will soon outnumber Baby Boomers. Totally unloved and ignored by this Government, Millennials will eventually take control of the nation from the Baby Boomers as described in the linked article above, and it is unlikely that they will be content living an inferior life to their parents, as much research suggests, loaded with debt, with poor employment and earnings prognosis, residing in poor and often squalid rented accommodation, paying rent to their parent’s generation while they work their backsides off to fund the retirement and wellbeing of their asset rich parent’s generation.  

The discontent of the young is growing.

Just look at how Bernie Sanders has tapped in the Democratic Party primaries, with the frustration of the younger generations at being locked out of the life that their parents enjoyed. While the young voting generation is still a minority, it is just a matter of time until they become the majority and even up the discrepancy between generations.

The Baby Boomers, to whom this Government pander to so much, want subsequent generations to load up on debt because it not only provides themselves with large proceeds from the sale of overinflated assets, but it means the next generations have to work so much harder to pay down the debt and pay, therefore, more tax to support their costs.

Perhaps younger generations should or will reject this expectation, and instead of the debt ball and chain, will take their education and skills to where they can best prosper, leaving the most unaffordable city in the world, Auckland, to retirees and immigrants.

I appreciate many people are not able to comprehend future challenges and structural changes, and will probably provide degrading comments of denial below, and look for candy and instant gratification at the next election.

But like it or not, tough choices for New Zealand are coming, and the changing demographic will most probably have a large say on the choices. If we don’t look out for young and future generations, then we should not expect the reverse when their generation becomes the majority. Enjoy your pension while it lasts.

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30 Scary Stats That Show Baby Boomers Are Not Ready for Retirement – Equities.com

By 2050, the number of Americans entering retirement age is expected to more than double to 89 million from the current 40 million. The problem is that more than 25% of this population has little to no savings at all. Factor in that life expectancy is continuing to increase with modern medicine, and it creates a scary picture in which a significant portion of the country’s population won’t have the financial wherewithal to live comfortably in their senior years.

In fact, 70 percent of all American workers expect to continue working once they are “retired”, while 40 percent of all Baby Boomers plan to work “until they drop”. If these statistics shock you, don’t worry, because there’s a lot more where that came from. Luckily, the people at KD SmartChair put all these alarmingly distressing facts into a visually charming and easily digestible infographic below. After you’ve taken some time to casually peruse through the cute images and big numbers, it’s probably a good idea to get your retirement plan in gear if you haven’t already. Unless of course you’re not among the 88% of all Americans worried about “maintaining a comfortable standard of living in retirement,” or the American workers who are collectively short $6.6 trillion short of what they need to retire comfortably.

DISCLOSURE:
The views and opinions expressed in this article are those of the authors, and do not represent the views of equities.com. Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to: http://www.equities.com/disclaimer

Why ‘Baby Boomer’ Women Can’t Afford to Retire And Tips To Bounce Back

A shocking report in the Los Angeles Times showed that single women are at the greatest risk of living in poverty. Why? This is due because of lower wages, more spending and only bringing in a single paycheck. Many of us Baby Boomer women have to dramatically downsize our lives as we grow older. Instead of basking in retirement, many of us cannot even mutter the word ‘retirement’ let alone think of it. Instead, many of us have to work three jobs to stay afloat. But why?

Boomers Spend, Baby, Spend

‘The American Dream’ portrays the idea that having more is equated with being more. The bigger the house, the bigger the car and the bigger the shoe collection is correlated with being higher on the socio-economic ladder. Susan Sterne of the Economic Analysis Association notes that, “The consumer spree arose because consumers between 35 and 44 spend about 20% more than average consumers. Those between 45 and 54 spend about 30% more. Put these two age groups together and you have 40% of US households. This same group is responsible for half of the nation’s spending”.

Breadwinning Women?

In the past, many ‘Baby Boomer’ women in their relationships had no direct control of their finances. I know that I fell victim to indirectly to this same feat. It was not that we did not care; we were just not educated in managing and budgeting our capitol. Many of us feel and act uncomfortable around the topic of money. We (and I find myself guilty of this) wish that there was a man to come to the rescue and save the day.

What Rainy Day?

Hmmmm. What to do? Do you buy a new pair of Cheetah print Sling-backs or put an extra $100 in savings? (My closet has the tell tale signs of my shoe addiction.) Instead of saving for retirement, Boomers have spent their lives ‘living in the now’. Unfortunately, many of us have not saved enough to support our lifestyle leaving us in debt.

A recent Los Angeles Times article reported that, “Ellen Tucker Emerson cut short her nursing career to help raise her children, but money was never a worry. “He bought me furs and jewelry. We stayed at the best hotels.” Once her marriage was over, her financial life looked very different. Instead of taking glamorous trips, she sweats bullets to pay her bills. At age 51, Ellen wonders how she will get by in retirement

Bounce Back and Bounce Better

Regardless of your age or situation, the time to take action is today! It’s NEVER too late. It has been gratifying to see that even if you have had a rocky financial road, you can make a change anytime you decide. Trust me, I know. I had $88,000 of corporate credit card debt as the result of losing my marriage and business the same year. In four years I paid off my debt and moved from a pool house to a lovely home.

As a life coach, it has been extremely rewarding to me to see women in their 60’s make successful career changes. You are never too old to take control of your life!

Tips:

o Get Real

If your financial goals and needs are fuzzy, you will never be able to get ahead. Take a month and track all of your expenses and your income. If credit cards have been a problem, take a month and just use cash for your expenses. It is astonishing how cash will wake you up. When it’s gone it’s gone. I have found it helpful to put cash in separate envelopes. Groceries, gas, entertainment, medical, etc.

o Write Down Your Goals

Seeing is believing. When you write down your goals, you are first acknowledging the situation, the first step to a turnaround. By putting your goals on paper, you are creating your plan of action and that you will achieve.

o Do Not Let Fear or Shame Stop You

Many women feel ashamed of being in tight financial situations. Remember there is strength in numbers, so take refuge with a friend. Many times, money problems are more strenuous and difficult to talk about than relationship problems. Step up and get out, seek the help you need. Just speaking to another woman can help you get back to enjoying your life.

o Get Help

Seeking Financial Assistance will help to alleviate the problem. By speaking to experts who are trained in this field of expertise, they will be able to give you hands on information and support to steer you in the right direction. The NABBW has many superb resources. You will learn there are other ‘Boomers’ just like you dealing with the same issues.

Authors Bio

Amedisys Poised To Help Baby Boomers 'Age In Place' – Investor's Business Daily

“Aging in place” is the mantra of Baby Boomers hoping to live out their senior years at home, and Amedisys (AMED) is looking to play a role in realizing that.

A home health care provider, Amedisys offers home nursing and rehab, life assistance and hospice services. And it’s growing organically and via acquisitions, while boosting its quality-of-care ratings. These ratings, put into place by Medicare last year, will have a dramatic impact on the health care services market in the next few years, according to Amedisys and market analysts.

“We think health care is really changing; home health is a lower-cost care option,” Brian Tanquilut, analyst with Jefferies LLC, told Investor’s Business Daily. “We’re very bullish on Amedisys; It’s the biggest in the space of the pure-play, publicly traded home health care companies.”

NAch-AMED-041816He’s rated Amedisys a buy.

“Home health care will be an ultimate winner” of the move to aging in place, Frank Morgan, an RBC Capital Markets analyst, told IBD.

Bigger Will Be Better

Bigger players can invest in the computer systems and overall size to gain efficiency and improve performance. Paul Kusserow, Amedisys’ chief executive, spoke with IBD and says home health care is a “highly fragmented market and it will continue to consolidate.”

The company has already closed two acquisitions this year — Associated Home Care for $28 million and Infinity HomeCare for $63 million.

“We have a phenomenal balance sheet,” Kusserow said. “We’ve been paying largely cash for our acquisitions.”

He says the company is in dialogues with “20 to 30” companies for possible acquisitions.

“They have a lot of firepower to do deals,” said Tanquilut. “Bigger providers have the ability to scale, to train and to invest in (information technology).”

“Star ratings and Medicare reimbursement dollars are being tied to outcomes and that favors the bigger, more sophisticated players,” David MacDonald, an analyst with Suntrust Robinson Humphrey, told IBD. He rates Amedisys a buy.

Two other companies specialize in home healthcare, LHC Group (LHCG) and Almost Family (AFAM). Large health care companies also have moved into the home health care space as well, including Kindred Healthcare (KND) and HealthSouth (HLS), which both acquired companies in the space.

Morgan said: “There’s a huge consolidation opportunity, as increasing regulatory and quality requirements will cause mom-and-pop companies to exit the business.”

He has a market perform rating on Amedisys.

The Importance Of Tech

Amedisys also is focused on gaining efficiencies through the adoption of a new patient care information technology system, called HomeCare Homebase. The software company of the same name is part of Hearst Corp.’s health network.

“We’re all in on this” tech project, said Kusserow, saying the whole company will be on it by the end of October.

“We’re going to do it in a little over a year,” even though the company initially predicted it would take two years, he said.

“We think we’ll be able to deliver $40 million to $50 million in savings with this system — we’ve said this to Wall Street,”  he said. Kusserow added that Amedisys has been running its business on three different software systems, which he says is “very inefficient.”

Tanquilut is convinced: “The new (tech) system will improve quality.”

The company sees more than 35,000 patients a day. Kusserow says the new cloud computing software, which stores records remotely, will allow care providers to use tablets instead of expensive laptops. And he says it enables “better documentation, better reporting, and better, more-efficient staffing.” He says it’s also tightly coupled with billing and will improve the accounts receivable process.

That’s a plus, but Amedisys already is producing some enviable numbers. Its net income for its fourth quarter, ended Dec. 31, 2015, was $13.1 million, up 41% from $9.3 million in the year-ago period. Diluted earnings rose 36% to 38 cents per share from 28 cents in 2014’s fourth quarter.

Total service revenue for the fourth quarter grew roughly 13% to $338.4 million versus $300.5 million in the year-ago period. For the full year, total revenue grew 6.7% to $1.28 billion from $1.20 billion in 2014.

Zack’s puts Amedisys’ first-quarter 2016 earnings at 34 cents a share and full-year 2016 earnings at $1.75 per share.

Amedisys traded at around 13 back in June 2014, but closed above 30 by March 2015 and rose above 48 by August 2015. Amedisys hit a new intraday 52-week high of 49.50 on Monday.

Pay For Performance

And margins for high-quality providers should improve with the government’s move to ratings and pay-for-performance.

“In 2018, CMS (Centers for Medicare & Medicaid Services) will begin determining percentage bonuses and billing cuts for home health in nine states, based on a number of metrics,” said Tanquilut. “Providers in the top bucket in these states will get a bonus of plus 3% on their billing starting in 2018 — minus 3% for those with the worst performance — and by 2022 it goes to plus/minus 8%. So quality will matter.”

Kusserow said: “By moving to quality it creates differentiation. So we’re behind this change.”

CMS is also rating providers now, and Amedisys’ initial score from the government in 2015 was 3.49 out of 5 possible stars. But Kusserow says 30% of its centers achieved 4.0-plus stars.

BOX041816“Our objective is by 2017 all our care centers will be at 4.0 and above,” he said.

Employee Retention

That means making sure all of its roughly 14,000 employees are focused on providing high-quality care. Shortly after Kusserow joined Amedisys at the end of 2014, he brought over Larry Pernosky, a human resources executive from Humana (HUM), where Kusserow had been a senior executive.

One of Pernosky’s missions has been to drive down turnover rates. Amedisys’ rate dropped to 29.3% in 2015 from 32.2% in 2014.

“We hope to get to 25% by the end of 2016 and below 20% by the end of 2017,” said Kusserow.

Additionally, Amedisys tracks its own metric for patient care “with engagement scores.”

Even Kusserow’s pay package is partially determined by turnover rates and engagement scores.

“We take this very seriously and everyone is incentivized around quality,” he said.

The Secret to Optimal Baby Boomer Health and Wellness – A Healthy Endocrine System

The first “Boomers” will turn 65 in 2011, and according to a report published by the American Hospital Association, more than 37 million Boomers – six out of 10 – will be managing more than one chronic condition by 2030. In addition, by the year 2030:

1) 14 million Boomers will be living with diabetes – that’s one out of every four Boomers.

2) Almost half of the Boomers will live with arthritis and that number escalates to just over 26 million in 2020.

3) More than one out of three Boomers – over 21 million – will be considered obese.

These statistics are alarming, but is there anything that can be done to avert this medical crisis? Many experts believe that there is a solution and that the answer lies in the improved health of our endocrine system.

Our bodies have two ways of controlling our body tissues. One way is through the nervous system with its neural pathways. The other way of controlling body tissues is through the endocrine system. Our endocrine system is an information signal system much like the nervous system. Whilst our nervous system uses nerves to conduct information, our endocrine system uses our vascular system to carry sex hormone and non-sex hormone agents to the 50 trillion cells in our body.

Our endocrine systems comprise a network of glands that produce more than fifty different known hormones to maintain and regulate basic bodily functions. Hormones are chemical messengers – this is the way our bodies communicate at a cellular level. The main function of our endocrine system and its hormone messengers is to maintain homeostasis (a stable internal environment in the body) and to promote permanent structural changes.

The most important part of our endocrine system is the hypothalamus-pituitary-adrenal axis, or the HPA axis as it is referred to commonly. HPA axis dysfunction has been shown to lead to conditions such as abdominal obesity, increased risk of cardiovascular disease, chronic fatigue, mild depression and anxiety, anorexia, poor sleep patterns, bone mineral loss, high lipids, loss of lean muscle mass, altered cognitive performance and decreased sexual behavior. The list goes on.

According to Donald R. Yance, an expert on the subject, “The disruption of the HPA axis is often central to most health problems, syndromes, diseases, and even aging itself.”

When we are young, the communication between cells is excellent and our bodies operate at optimum efficiency. However, as we get older, our endocrine system falters and the system becomes less responsive to the needs of our body. Our body’s cells begin to function less and less efficiently as we age and our normal bodily functions begin to falter. The end result of this progressive dysfunction is the “disease of aging” and ultimately death.

Ninety percent of all adult illness is due to the degenerative processes of aging. This includes heart disease, most cancers, adult-onset diabetes, stroke, high blood pressure, osteoporosis, osteoarthritis, autoimmune disease, glaucoma, and Alzheimer’s.

“Aging is characterized by a general decline in most physiologic functions, and in particular, by a decreased capacity to maintain homeostasis during episodes of stress. These changes are believed to reflect the accumulation of damage to cells and tissues resulting from a variety of toxic factors, either produced endogenously during normal growth and metabolism, or derived from the environment. Normal function and survival are dependent on the cell’s ability to resist or adapt to such stress and to repair or replace damaged molecules. The need to enhance adaptation is critical,” says Yance.

One of the ways we can help our bodies cope with such stress is to supplement with a powerful adaptogen. An adaptogen is a natural herb product that increases the body’s resistance to stresses such as trauma, anxiety and bodily fatigue. They normalize the HPA axis. Adaptogenic herbs are unique from other substances in their ability to improve balance of endocrine hormones and the immune system, and they help the body to maintain optimal homeostasis.

“If we can improve cellular signaling as we age, we will be able to better support our cells, tissues and organs. If our cells are healthy, we will be healthy. Restoring balance to the HPA axis and supplementing with a powerful antioxidant and bio-energetic nutrients is the key to cellular rejuvenation and restoration,” comments Dr. Tim Chapman of Murrieta, CA.

The key to optimal health is balancing the HPA axis and by doing so we are effectively harmonizing the entire endocrine system. When this occurs, our bodies begin to balance and produce hormones at more youthful levels. This leads to improved cellular signaling, homeostatic balance is reinstated and cell receptor site sensitivity is improved.

The combination of improved cellular signaling and a powerful antioxidant will result in improved cellular rejuvenation and our bodies will be able to operate with improved efficiency. In this manner we are able to support the age-reversing process at a cellular level that ultimately translates to an improvement in longevity, vitality, health and wellness.

“Once the human body is in a state of homeostasis it has the potential to heal just about anything, especially those age-related diseases and illnesses that are confronting the Baby Boomers,” says Dr. Chapman.

Baby Boomers experienced huge shifts in ag – Iowa Farmer Today

EVERLY — Spring is losing this battle with Old Man Winter as strong northwest winds whip Keith Kruse’s jacket.

“We’re more than ready for it to warm up,” he says as he walks toward his 1976 John Deere 4430 tractor.

“That’s the first tractor I bought on my own,” Kruse explains. “It’s pretty dirty, but it’s a good tractor.”

This marks the 40th year of farming for the Northwest Iowa man, who returned home full time after getting his farm operations degree from Iowa Lakes Community College in Emmetsburg.

“Forty years. I guess that’s right,” Kruse says. “I learned how to drive when I was a kid on a John Deere A, and we used a four-row planter. We went from picking ear corn to having everything combined. A lot has changed.”

Kruse and his wife, Joyce, farm near here in Clay County. Their son, Javan, is also involved in the grain and hog operation.

“I rented an 80 near my parents when I got out of school, and Dad decided to expand our hog operation at that time,” he says. “We built a farrowing and nursery building and started growing.”

Over time, Kruse slowly increased his crop acres and hog operation. In 1998, he and other farmers partnered on a sow unit southeast of Spencer, and today, he and his son own it with their partner, Bob Donahue.

Keith and Javan market about 18,000 hogs annually, in addition to growing corn, soybeans and a few oats.

As new technology emerged, Kruse says he looked to put it to use on his farm.

“We embraced technology as we could afford it,” he says with a grin.

Many of those changes include improvements in machinery and efficiency.

“Everything is electronic, like yield mapping and controlling hog buildings,” he says. “We can utilize the liquid manure from our buildings and inject it where it’s needed.

“In most ways, it’s much easier to farm today than it was when I was growing up, or when I started.”

50 years of change

The influence of the Baby Boomer generation on agriculture has been remarkable, says Paul Lasley, Extension sociologist with Iowa State University.

Not only have those born from 1946 to 1964 contributed to a wide variety of innovations, but Lasley says his generation has taken those innovations and made them work.

“That first wave of Baby Boomers is turning 70 this year, and just think about all they have seen,” he says. “If you assume an average starting age of 20, that first group has been farming for 50 years. They have experienced so much in that time.”

Lasley says Baby Boomer farmers have lived through several significant events, including a boom in land prices triggered by the Russian grain deal in the 1970s, the farm crisis of the mid-1980s and a robust farm economy over the last five years.

“They really have seen the best of times and maybe the worst of times,” he says.

According to the most recent Census of Agriculture, roughly 28 percent of Iowa’s farmers are between the ages of 55 and 64, with another 17 percent ages 65 to 74.

“Almost half of our farmers would be considered Baby Boomers,” Lasley says. “That’s pretty remarkable.”

It would be impossible to list all the changes in farm machinery, livestock, agronomy, economics and anything else associated with agriculture, he says.

Lasley says in the mid-1960s, John Deere stopped making the two-cylinder tractor. Around that time, the moldboard plow gave way to new tillage equipment.

“We saw many advances in machinery after World War II, when these farm kids starting coming back from the war with all the new ideas they had seen,” he says. “It really started the demise of general farming and pushed us into specialization.”

The boom in technological advances has made farmers more efficient. Yields have increased dramatically. Hogs are raised indoors and fed ethanol co-products.

But along with those changes, Lasley says agriculture is losing a vital resource.

“Those Baby Boomer farmers have so much knowledge and so much experience, and as some of them start to retire or approach retirement, we are losing so much,” he says. “They learned how to work while growing up, and they taught that work ethic to their children. We grew up knowing the value of hard work, thrift and ingenuity. It’s important that we take advantage of their experience.”

Kruse says very little about his profession remains the same as it was when he started farming.

Hogs are raised indoors and to heavier weights. Crop yields have doubled. Machinery has lessened the physical toll on farmers. He knows things will continue to change, and his son may have the same perspective after four decades on the farm.

“You always heard about the things you might see in the future, but you weren’t sure if it would actually come about,” Kruse says.

“But it’s here. We have all this new technology that makes us better farmers.

“I like it. I don’t want to go back to how things used to be.”

Baby Boomers driving demand for second homes – ConsumerAffairs

PhotoThe U.S. real estate market appears strong, with tight inventories driving home prices higher in most markets.

And it’s not just primary residences that are in growing demand. The National Association of Realtors (NAR) reports sales of vacation homes – while down in 2015 from the year before, are nonetheless on a red hot pace.

In fact, the Realtors’ group says the median sales price of both vacation and investment properties surged last year, though the number of sales declined from the previous year.

As they have done throughout their adult lives, Baby Boomers are driving this trend.

Boomers propel demand

“Baby boomers at or near retirement continue to propel the demand for second homes, although headwinds softened the overall volume of vacation sales last year,” NAR Chief Economist Lawrence Yun said in a release.

Yun says there are more buyers competing for a dwindling number of bargain-priced properties. This tighter supply in the face of rising demand may have resulted in fewer sales, but the homes that did sell sold at a premium.

Perhaps because of the popularity of cable TV shows about home “flipping,” sales of investment homes posted a significant increase in 2015, rising from 1.02 million to 1.09 million, a 7% gain. The numbers represent purchases by individual buyers, excluding institutional investors.

Yun says vacation home sales have helped Florida recover from the housing debacle of the last decade, since the bulk of vacation home sales are occurring in the south.

The downside, says Yun, is that the significant run up in price has probably squeezed out less affluent buyers looking for a vacation home.

Seeking rental income

Meanwhile, the trend in investment property is shifting away from flipping and more toward income.

“Steadily increasing home prices and strong rental demand appear to be giving more individual investors assurance that purchasing real estate will diversify their portfolios and generate additional income if they decide to rent out the home,” Yun said.

The NAR survey shows the median investment home buyer last year had a household income of $95,800, and most bought a detached single-family home not far from where they lived.

Forty-two percent of buyers said they made the move to gain rental income. Only 14% cited price appreciation as a main reason for the investment.