Baby Boomers spur growth of orthopedic centers – BizWest Media

If you’re wondering why it seems that orthopedic centers in the Boulder Valley and Northern Colorado are growing by leaps and bounds, you need look no further than to aging Baby Boomers, 10,000 of whom turn 65 every day, according to Pew Research.

Boomers signing on with Medicare, however, and looking for relief from bad knees or hips, are just part of the story. The rest has to do with a growing population — both young and old — drawn to the active lifestyle that Colorado affords them, said Mike Bergerson, CEO of Orthopaedic & Spine Center of the Rockies.

“In Northern Colorado, and Colorado in general, there is a lot of population growth compared to other states. Colorado is very active in everything from biking to club sports to running and hiking,” he added.

And where there are sports, there are injuries. Timothy Pater, president of Front Range Orthopedics and Spine Center, with locations in Longmont, Lafayette and Frederick, said via email, “Everybody knows that Colorado is a very active and fit population, and most individuals are at some point going to require our services. We know that our patients expect excellence from us and we do everything we can to exceed those expectations.”

Front Range Orthopedics is building a 32,000-square-foot building in Longmont, one of many orthopedic-center expansions in the Boulder Valley and Northern Colorado.

Front Range Orthopedics is building a 32,000-square-foot building in Longmont, one of many orthopedic-center expansions in the Boulder Valley and Northern Colorado.

And that includes expanding and building. “Our new building project (a 32,000-square-foot- building in southern Longmont) is what we see as a natural next step. We have steadily outgrown our space as we have expanded our services and size. We added a second office location 11 years ago and a third office location three years ago based on area growth and the demands of our patients.” The new building is expected to be ready for move-in sometime in early 2017.

“In our current space, we offer all of the services we will provide at the new building, but it will be a footprint that greatly improves the patient experience. We try to offer a vertically integrated full-service orthopedic experience so that when you walk through the door we can offer you everything you need under one roof.”

FRO has 10 doctors and seven physician assistants.

Mike BergersonBergerson noted that when he came onboard with Orthopaedic & Spine Center of the Rockies in 2006, there were 12 physicians. A short 10 years later, the group has 29 physicians, all of whom are subspecialized.

Hip scopes — a relatively new procedure now favored by many 40- and 50-year-olds before signing on for a hip replacement  — is one of 13 subspecialties provided at the practice. Such specialties, Bergerson added, have helped spur growth in the practice as well.

“When physicians focus on a particular body part, it allows them to keep up on the latest/greatest and cutting-edge technology, and many are involved in research. Instead of 50 hip replacements a year, our physicians do 400 to 500 a year. This makes them very proficient. They understand the procedure and the intricacies of what could go wrong during surgery or post op,” Bergerson said.

Expanding the Loveland medical building is priority No. 1 for OCR, with groundbreaking expected mid-November. The two-story, 60,000 square-foot addition to the current building at 3470 E. 15th St. will include a surgery center and overnight facility with 20 beds.

“It will be a replica of what we have in Fort Collins,” Bergerson said. Additional expansion for the Fort Collins clinic — which added 10,000 square feet in 2012 — is back on the drawing board but with no immediate timeline. “We have flood-plain issues where the clinic is located, but we do have the ability to build up,” he said.

Orthopaedic & Spine Center of the Rockies has expanded into this building in Greeley, directly across from North Colorado Medical Center. It is one of several expansions for OCR in Northern Colorado.

Orthopaedic & Spine Center of the Rockies has expanded into this building in Greeley, directly across from North Colorado Medical Center. It is one of several expansions for OCR in Northern Colorado.

And just this year, OSCR opened a clinic in the Greeley Medical Building on 16th Street. “We hired three new doctors to help with that expansion,” Bergerson said. The clinic does not include a surgery center at this time. Bergerson said that with the growth the Greeley site has experienced since its May opening, a stand-alone building is not out of the question in the years ahead.

BoulderCentre for Orthopedics — an expanded practice resulting from a merger between Boulder Orthopedics and Mapleton Hill Orthopedics — now operates from the second floor at its new location on Pearl Parkway. The 22,000-square-foot space has allowed for twice the exam rooms, in addition to more elbow room all the way around. The medical group has 13 physicians and seven physician assistants, along with six physical therapists and one occupational therapist.

CEO Cathy Higgins said, “We live in a very athletic community and see the full gamut of injuries from pediatrics to geriatrics. When  you’re an extreme athlete, you have extreme accidents.”

Higgins said future expansion is definitely an option in the next five to 10 years and most likely will result from internal growth and collaborating with other surgical specialties. BoulderCentre shares a first-floor surgical suite and MRI with Boulder Surgery Center.

Although Boulder Bone and Joint hasn’t added space, it has added orthopedic urgent-care services staffed by a physician assistant with an orthopedic surgeon on call as a way to combat hefty fees charged by popup emergency rooms and urgent care centers, said Jeff Buck, clinic manager. BBJ charges general office rates to patients who come in after hours with a litany of issues ranging from sprained ankles to broken bones. Urgent-care services are provided from 3 to 9 p.m. Wednesday-Friday and from noon to 9 p.m., Saturday and Sunday.

“We’re steadily getting busier,” Buck said. “If this is successful, we plan to open more of these in Louisville and Broomfield.” He also noted that United Healthcare and Blue Cross “absolutely love” the orthopedics urgent-care concept and have “given us their blessing to push forward. They see the benefit as well.”

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The Coarsening of American Culture – From a Baby Boomer Perspective

Well, it was predicted in the Bible. At some point we were all going to see civility challenged in society and in the culture. I can not speak of other countries (although what I have read is not good). But here in America it has been happening for some time now.

We Baby Boomers have been witnesses to this decline in morals, in language, in loss of respect … even in basic manners. At the same time, many things are improving here and around the world to make living conditions better than they were yesterday. Technology, medicine, and transportation come immediately to mind.

But how we deal with each other seems to be losing ground. Morality has taken a hit in the last 50 years or so. As Ted Koppel once said on his Nightline program, they are the Ten Commandments … not the Ten Suggestions.

There are over 40 million lives that have been snuffed out by abortion in the United States. Young people live together in greater numbers without ever getting married. Gay marriage is paraded throughout society as just an "alternate lifestyle" (no, I am not homophobic).

Some degree of greed in society is certainly acceptable. Some corporate greed (done at the expense of others) is appalling. Previous generations did many things on just a handshake or your word. Now, people seem to bring lawsuits at the drop of a hat.

Political correctness is way out of hand. The government wants to control your smoking, your eating, your health insurance, the car you drive, the air you breath, and the radio shows you can listen to.

So much of what we see on TV and cable becomes a sewer entering our homes. News sources make everything opinionated instead of separating news and opinions.

Worst of all, we are taking God out of society and our culture. This country was founded on Christian-Judeo principles. Our Founding Fathers knew that if God was not in the fabric of our society, it would not last. Now, we are testing that theory.

History has shown that when God is removed from a culture, God eventually abandons that society. Are we crazy?

Health Insurance For Baby Boomers Who Are Too Young For Medicare

Who Needs Private Health Insurance In Middle Age ?

Actually a lot of younger baby boomers are concerned about health insurance today. Many get covered through group major medical plans, but millions more do not have that luxury. The issue of finding affordable private health plans is a large one, and it is a growing one. I know many middle aged people who are counting the days until they turn 65 so they can enroll in Medicare!

Health reform promises some relief, but it has not been fully implemented yet. So what can you do, as a middle aged baby boomer, to find a private health plan today?

Some Issues With Finding Cheaper Private Major Medical Insurance For 50 to 64 Year Olds

  • The fact that a person is older will put them into a more expensive premium band all by itself. As you probably know, a 30 year old will generally be much cheaper to insure than a 55 year old, even if they are both in good health.
  • People who are over 50 start to develop some of the problems of middle age. Issues like high blood pressure or diabetes are more common. So a middle aged person has a much higher chance of being rated up or declined because of a health condition.

Be Wary of Guaranteed Acceptance Health Plans

I see a lot of products that are being marketed to middle aged people as guaranteed acceptance health plans. Clever marketers make these seem like these plans are the cheap answer to your health coverage needs. The issue here is that these health plans are usually discount plans, and they are not health insurance at all! The old adage about being careful about anything that seems to good to be true will certainly apply here.

Limited or Structured Benefit Insurance

Another product that is a bit better, but not much, are some structured benefit plans that promise easier acceptance. Often the limits on benefits are so low that these plans are not that valuable, and they still come with fairly hefty premiums. These are, technically, health insurance plans , but they are not major medical plans. The distinction is very important.

Health Savings Accounts (HSA) and High Deductible Major Medical Insurance

Here ls a solution that I do like for some older people who have trouble affording higher premiums for their age group. These HSA plans come in two parts. One part is a savings account. The first part is a savings account where any deposits are tax deductible up to IRS limits. The second part is a higher deductible major medical insurance policy. The idea behind the plan is that the consumers can save money by paying less for a higher deductible plan and by taking tax deductions.

  • HSA plans tend to work well for disciplined savers who like control over their health costs.
  • They will not work as well, of course, if the member never makes any contributions to the savings account.
  • They will also not work if the applicant has a serious health condition, like diabetes, and can not get accepted to the major medical plan.

Pre-Existing Health Conditions

Every state has some way to deal with high risk people who have been declined for a major medical plan. In some states, these plans are quite expensive and they do not accept everybody either. Health reform promises some relief with the new federal high risk plan, but that is just beginning to get implemented. To get current information, please search for your state's high risk health plan or pool.

Baby Boomers Have Wobbly Expectations for Home Equity in … – Reverse Mortgage Daily

For many U.S. Baby Boomers, home equity isn’t their top source for funding retirement compared to other strategies at their disposal. This lack of intended use, however, doesn’t necessarily mean these older adults are averse to tapping into their home equity to meet retirement spending needs.

Boomers’ likelihood of utilizing home equity to support themselves in retirement depends on a variety of factors, such as their need for additional cash flow, the urgency of needed funds, as well as their attitudes toward borrowing against home equity, as recent studies and surveys of this older population have indicated.

U.S. retirees have traditionally adhered to the oft-cited “three-legged stool” strategy for retirement planning: personal savings, Social Security and employer-sponsored retirement benefits.

Self-funded savings, including retirement accounts such as 401(k)s, IRAs and 403(b)s, are the most frequently cited source of retirement income expected by workers of all generations, according to the 17th Annual Transamerica Retirement Survey.

Divided by age, older workers tend to rely more heavily on other forms of funding, such as home equity and Social Security, than their younger counterparts.

Among workers of all ages, 70% said they expect to rely on Social Security as a source of retirement income. This share is much larger for Boomer workers, 87% of which expect Social Security to be a critical funding source for retirement.

Meanwhile, home equity was less often cited, accounting for just 14% of all workers and 16% of Boomers who, along with seniors born before 1946, comprised the majority of Transamerica survey respondents at 1,576 individuals.

Rather than turn to home equity as a possible funding source, Boomers are more likely to continue working past age 65 in efforts to increase their income and bolster their wobbly retirement stools. The share of Boomers expecting to work longer equaled that among all workers at 38%, compared to 36% of Generation Xers and 40% of Millennials.

“Amid retirement savings shortfalls, American workers are attempting to prop up our system’s three-legged stool by adding a fourth leg: working during retirement,” said Catherine Collinson, president of the Transamerica Center for Retirement Studies.

“Baby Boomers are the generation that has re-written societal rules at every stage of their life,” Collinson added. “Now, Baby Boomer workers are redefining retirement by planning to work until an older age than previous generations.”

The Transamerica survey did not explicitly mention reverse mortgages as falling into the broader category of “home equity.” But if other recent studies and reports from this year can serve as any indicator, retirement age Boomers largely misunderstand reverse mortgages, or don’t understand their options for unlocking home equity.

Compared to younger homeowners, Boomers are more reluctant to borrow against their home equity, according to a survey commissioned this month by Discover Financial Services (NYSE: DFS), which revealed that older Millennials ages 30-34 are twice as likely as Boomers ages 55-64 to obtain a home equity loan. Of the 64% of Millennials who own a home, the survey found that 51% have used a home equity loan, compared to only 26% of Boomer homeowners.

“Homeowners who have built equity in their homes have the opportunity to leverage their financial asset to help them pay down debt, update their home or pay for major expenses,” said T.J. Freeborn, director of operations strategy for Discover Home Equity Loans, in a press release detailing the survey findings.

The survey, which polled 1,428 consumers, also highlighted the different purposes among Millennials and Boomers for how they use their homes.

Contrary to the expectations that older homeowners may be more inclined to leverage home equity as a financial tool, Millennials were more likely to use their home as a financial asset, either by selling it to make money, or as a quarter of Millennials indicated, using their home as an investment property.

As for the main uses of home equity loans, home remodels and debt consolidation were the top objectives cited among homeowners of all ages. Additionally, older Millennials were much more likely than Boomers to use home equity loans for emergency cash, 42% vs. 14%, respectively.

Footing the bill for home improvements and paying off debts are also some of the most commonly cited uses influencing reverse mortgage take-up, though awareness of the Home Equity Conversion Mortgage product is minute relative to its potential.

These various surveys, studies and reports underscore the attitudes of older homeowners concerning home equity and the value they place on this asset for their retirement plans. While the majority of Boomers don’t expect to rely on home equity to carry the brunt of their retirement, the response shows that home equity is at least something worth considering.

Written by Jason Oliva

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Baby Boomer Singles: Five Tips for Survival

Were you born between 1946 and 1964? Over 35 million single people born in those years are called Baby Boomers.

There have been numerous conferences for a call to action for the graying of America. The statistics and demographics of what is shifting in our culture cause us to have to examine every social agency and public policy in a different light.

But if you are a Boomer Single, how are you most affected by the predictions for the future?

The major opportunity and challenge facing you today is the fact that you will live longer. Within the next two or three decades, advanced medical and scientific discoveries will increase life to an unprecedented length. Not only will it be relatively normal to live to be 100, some people may go to 120 and beyond. It is now estimated that over one million Boomers will live to be 100.

Since you will be living longer, here are Five Survival Tips:

* Choose your mate carefully.

If you live to the age of 100, you obviously will have many years with your partner. It is more important than ever that you like that person as well as love them. If you retire at 65 or 70, you will be home alone with them for many years.

* Have enough savings.

Statistically, Boomers have not proven to be good at saving. You are going to need more savings, investments, and planning for your economic future than people had in the past. You may need more training, a new career, and planning for working longer.

* Single Boomer women need to pay careful attention to their finances.

Women who are Boomers may have earned less than men, or stopped working for periods of time to care for their children or aging parents. Their security for their senior years may be in jeopardy. If you are a single Boomer woman, you should look at living on less and saving more.

* Think about your attitude.

Traditionally, we are a youth-worshipping society. While some cultures revere their elderly citizens, many of our older Americans languish in nursing homes, feeling forgotten and invisible. Ask yourself how you view old people. Look for all the qualities and characteristics about them that you admire. When doing this, you will be shifting your own attitude about yourself as you age.

* Become technology savvy.

Boomers will be moving into a wired retirement. You will be better connected than retirees have been in the past or are today. It will be easier for you to meet others, and to stay connected and informed. You will have more choices than ever before .

If you are a Boomer single, you have your challenges and work cut out for you. You also have more opportunities than you could have imagined. Are you ready for the rest of your life?

Is Trump v. Clinton the Baby Boomers' Last Hurrah? – The Fiscal Times

It has been a political rule of thumb for decades that Baby Boomers and other older Americans rule the roost when it comes to presidential politics.

As the dominant share of the electorate, which faithfully turned out at the polls every four years, Boomers and the older “Silent Generation” enjoyed royal treatment from presidential candidates who were highly sensitive to their concerns about taxes, the size of government and the future of Social Security and other costly entitlement programs. Boomers and older Americans constituted 56 percent of the presidential vote in 2012, compared to 44 percent for the younger Millennials and Generation-Xers.

Related: The Odds of a Comfortable Retirement Are Worse Than You Think

But a new study by the Pew Research Center suggests that the Baby Boomers’ reign is coming to an end, and that the November election pitting Democrat Hillary Clinton against Republican Donald Trump likely will be the last time that Boomers and older voters dominate the political landscape.

The analysis by Richard Fry, a senior researcher on economics, documents the swelling ranks of Millennial and Generation X eligible voters, spanning in age from as young as 18 to as old as 50. This fast-growing cohort has gradually eclipsed the large group of older Americans who have begun to die off or are fading as a dominant political force.

Fry notes that the younger generations matched Baby Boomers and older Americans as a percentage of eligible voters in 2012 and are not likely to be outgunned in the November 8 presidential election.

“Historical patterns of voter turnout by generation also suggest the likely end of dominance by boomers and prior generations,” he wrote. “In general, as a generation ages, turnout rises, hits a peak, and then declines.”

Related: 78M Millennials Could Carry the 2016 Election. Here’s Why

The numbers are fairly convincing: As of July, roughly 126 million Millennials and Gen Xers were eligible to vote, making them 56 percent of all eligible voters, according to Fry’s analysis. That contrasts with just 98 million Boomers and other older Americans – or 44 percent of the population eligible to vote.

Voter Demographics

Although Fry cautions that a lot will depend on who actually turns out to vote on Election Day – and traditionally older voters tend to be more likely to turn out than younger voters – Millennials and Gen Xers will almost certainly put an end to the Baby Boomers’ dominance in the electorate.

Even if as many as 70 percent of Baby Boomers and older eligible voters turn out at the polls in November, Millennial and Gen Xers could still match them, even if they turned out at substantially lower rates. For instance, a 70 percent turnout among older voters would equal about 68 million votes. Yet Millennials and Gen Xers could match that number with a turnout rate of just 54.5 percent.

“In other words, the dominance [of Boomers] will be broken, but it’s premised on a big if” of precisely what percentage of older and younger voters actually turn out,” Fry said in an interview on Tuesday.

He added that older voters still might be more of a force in future off-year elections, when there is far less excitement about congressional and state campaigns. “But at least as far as presidential elections, it’s looking like the Boomers’ and older voters’ long reign may end this November,” he said.

Related: How the Democratic and GOP Platforms Clash Over Social Security Reform

The evolving generational shift in political clout in presidential campaigns could have important implications for future presidential races and policy-making in Washington.

Younger and older voters perceive the world and political parties differently, researchers say, with Silent Generation voters more conservative and inclined to support Republicans, while Millennials are more liberal in their views and inclined towards the Democrats.

Jocelyn Kiley, the associate director of research at the Pew center, said in an interview that this generational divide is fairly pronounced on a number of important public policy issues, including the size and role of the government, the future of Social Security, attitudes about same-sex marriage and other social issues.

“In the current political landscape, certainly there are difference in the political attitudes of younger generations and older generations,” she said. “That hasn’t always been the case, but we’ve seen for the last several years, for instance, a pretty large difference between the Silent Generation political preferences and the Millennial generations.”

Related: Social Security Trustees Project Trust Fund Will Be Tapped Out by 2034

Research has found, for example, that Millennials and other younger voters are more in favor of big government and expanded government services than older voters, and they tend to be far more optimistic about the economy and the future than older voters. About six in ten Millennials are opposed to cutting benefits in Social Security to address the system’s financial problems, according to a 2014 Pew survey, which was pretty much in line with the 70 percent of older Americans who opposed benefit cuts.

However, fully half of the Millennials interviewed said they didn’t believe there will be any money in the Social Security trust fund for them when they finally retire. Until now, advocacy groups for seniors and other liberal organization have staunchly opposed major reforms of Social Security, and instead have pressed for expanded benefits. As Millennials and Gen Xers grow in political importance, they may provide impetus for future presidents and members of Congress to consider entitlement reform to protect future beneficiaries.

And there is a much bigger generational gap on the question whether government in the future should give higher priority to programs that benefit younger Americans – including education, college debt retirement, job training and health care – than for older Americans. Fifty-three percent of Millennials surveyed by Pew in 2014 said the focus should be on younger people, compared to just 28 percent of the Boomers and older Americans who agreed with that premise.

“There’s an open question about to what degree these political attitudes persist as people get older,” Kiley said “But certainly right now we see that younger generations – both Gen-Xers and in particular Millennials – have more liberal views on a lot of issues.” 

Medical Travel – A Boom to America's Aging Baby Boomers

The Baby Boomers are best known for the non-conformity of the 1960s when they stood up to a government and a society that they found oppressive. It comes as no surprise that the Baby Boomers continue to redefine what it means to stand up and say no in today's world through their fight against unfair healthcare fees in the United States.

More than ever before, Baby Boomers are flooding south into Mexico hospitals for procedures ranging from the complex and cutting edge to some of the oldest standards that medicine has to offer. In fact, some are even choosing to receive checkups during medical travel to Mexico rather than maintaining a regular doctor stateside. These changes save Baby Boomers hundreds or even thousands of dollars in medical bills every year, even after considering the low cost of airfare between the US and the Mexico hospitals in question.

Financial Wisdom: Lower Costs across the Border

In America, any doctor has to contend with a myriad of financial constraints that threaten his or her practice and livelihood. Insurance agencies have a large industry presence, crowding out doctors that try to avoid participating in the insurer's costly plans. The result is rising prices for the patient, and increased co-pay amounts due to lower insurance coverage. In short, the amount covered by insurance is falling just as the amount charged by doctors and hospitals is rising. For many Baby Boomers, retirement expenses do not allow them to cover this gap.

Luckily, there are hospitals available just across the border. With medical travel in Mexico, these men and women are able to get the care they need without paying too much for it. They are able to maintain their health without completely losing control of their finances. The main differences between Mexico hospitals and US facilities are the control that insurance companies have over the market and the general cost of living in the area.

In Mexico, the medical care industry is not dominated by private insurance or the publicly traded corporations behind it. Doctors are free to set prices as they choose, based upon what they believe their services are worth. There is no upward pressure on prices, and so they remain at a reasonable level. The best hospitals typically charge 40% -60% less than the best American hospitals, and 90% of medical travel patients reported in a survey by the Medical Travel Association that the level of care offered was not only comparable to the US, but many times superior .. Because of the way Mexican health care is structured, doctors are less burdened and thus able to pass on the good prices to medical travelers.

Lower cost of living also plays a role. Doctors tend to charge partially based on what they need to survive, and on what their practice needs in order to stay abreast of the latest technology. In Mexico hospitals, all these costs are lower. From the cost of medical school education to building construction, wages and daily utilities, to some of the most recent equipment technology purchases, Mexican doctors pay less, and medical travel in Mexico reflects those savings as well.

Skilled Surgeons

One of the strengths Baby Boomers are noticing in Mexico hospitals is their ability to offer cutting edge treatments, such as spinal stabilization surgery and multifocal LASIK for presbyopia. Many of the doctors these Boomers choose have actually trained alongside the leading US experts, and have the same degree of skill. The Boomers are getting the same quality of care, but because they choose medical travel in Mexico, the cost is tens of thousands of dollars lower.

A Comfortable Place to Recover

In the past, some Boomers might have been concerned to spend the night so far from home. But as hospitals have continued to develop, they have become almost indistinguishable from any American hospital. Spending the night after medical travel in Mexico is no different from the night after a surgery stateside, the only difference is that home is a plane ride away rather than a car trip.

However, few Boomers seem to be bothered by the idea of ​​distance. In fact, many report better treatment in private Mexico hospitals than in US facilities. Staff is said to be more attentive, doctors more caring, and nurses more focused, with a lower ratio of nurses to patients. Overall, medical travel in Mexico produces as many positive responses in the Boomers as medical treatment in the US and in many cases produces far more.

The Big Picture

The Baby Boomers are the first aging generation to have access to the excellent private Mexico hospitals provided by medical travel in Mexico, and they are taking full advantage of everything that America's southern neighbor has to offer. From dental care to checkups to major surgery, the Baby Boomers are filling Mexico's state-of-the-art medical facilities and reaping the rewards. And in the face of rising costs at home, it seems unlikely that they will be returning to their local doctors any time soon.

Millennials are more vulnerable to scams than baby boomers according to a BBB report – Alabama's News Leader

With school starting for college students, parents may be wondering: “is my child ready for the world?”

According to the Better Business Bureau, when it comes to scams, they may not be.

The report shows that scammers are going after students, looking to capitalize on loan payments.

“They’ll call you and demand money, saying you owe taxes, but in this case, their going after students,” Eric Gossett with the BBB said.

They are targeting freshman, demanding they pay up for student loans.

“They are already stressed out, school is starting, then you get this phone call from someone you don’t know, saying they are from the government and they’re going to take away your student loans, so most students reaction is to pay the money,” Gossett said.

He says the name that shows up on your caller ID may look like it’s from the government, but he says the federal government will never call you asking for payment over the phone.

Another red flag.

“Most of these IRS scams when they ask you to pay money, they’ll ask you to wire it to them, cause it’s the easiest way to get money,” Gossett said.

Some young people often think they’ll see a scam from a mile away.

But it turns out, millennials are more vulnerable to scams than baby boomers according to a BBB report.

“They’ve grown up thinking that they have all of this knowledge regarding these scams, but in reality scammers are just finding new ways to get to them so red flags aren’t raised when they should be,” Gossett said.

If you would like to view the report CLICK HERE.

What the Perfect Baby Boomer Fitness Program Should Look Like

This is the perfect baby boomer fitness program, and I wanted to give you an example. This is a perfect program for you if you are a baby boomer and your goal is to have good health and general fitness. The baby boomers are ageless, I have been a personal trainer for over 25 years and I know since that is the majority of my clients, so I know what works.

Most people have no clue how long you need to work out each week to be fit. If you watch what you eat you can control your weight with diet, which I highly recommend, then you do not have to work out that much to stay in good shape. If you are an active person then you are already half way there.

Your main goal should be to increase your lean muscle mass, improve your cardiovascular system, and keep yourself flexible and agile. To improve your cardiovascular system you should do some form of aerobics two or three times a week. To improve your muscular strength and increase your lean muscle mass, you will need to be doing resistance training two days a week. Then to improve your flexibility and agility you will be moving in all plains of motion a couple a times a week.

If you are eating a healthy diet made up of whole natural food, you don`t have to spend hours and days in a gym burning off unwanted calories. You can go work out to improve our lean muscles, a stronger, heart and a flexible body instead of trying to get rid of calories.

Your perfect baby boomer fitness program should look like this:

* 30 minuets of aerobics 2 or 3 times a week. Swim, bike, walk, anything aerobic for 30 minuets at your target heart rate.

* Do resistance training 2 days a week. You can train your whole body with resistance exercise, you can train at home or at a gym with resistance bands or free weights for 30 minuets.

* 10 minuets of dynamic movement for 10 minuets 2 days a week. Callisthenics for the whole body is a good way to keep you flexible an agile.

For example

Day 1- 30 minuets aerobics training

Day 2- 30 minuets resistance training

Day 3- 10 minuets dynamic training

Day 4- 30 minuets aerobics training

Day 5- 30 minuets resistance training

Day 6- 30 minuets aerobics training

Day 7- 10 minuets dynamic movements

You see the if The So you are On a by baby boomer and you do this by baby boomer fitness for a program A it does not take much to live a fit and healthy lifestyle.

Best- Mike Cola

Vacation Rental Homes – Baby Boomers Lead Luxury Vacation Rental Travel Trend in Costa Rica

Baby Boomers set their first travel trend in the 60's when they strapped on backpacks and explored the world. Travel was an intoxicating, powerful drug. It was an ever changing high from the Gringo Trail in South America to the beaches of Costa Rica. Boomers were hooked.

Travel as a primary essence of living defines the 78 million-strong Baby Boomer generation as much as feeling "forever young" and being born between 1946 and 1964. Now that Boomers have more ka-ching they reminisce fondly about their tattered backpack days but their taste in travel has evolved. They feel they've earned the right to be pampered a little. Boomers have traded their sleeping bags for luxury vacation rental homes.

Heather Blanchard is the owner of Manuel Antonio Vacation Rentals in Costa Rica and represents some of the finest luxury homes in this beach community. She says, "In the last 3 years our number of Baby Boomer clients has sky-rocketed. They began as a trickle in 2007, now they dominate our guest list."

Read on and decide if Baby Boomers are onto something here.

They Work Hard for the Money

Putting everyone up in luxury hotels rooms just does not make economic sense anymore, especially for Boomers traveling with multi-generational families. A party of 6 paying for 3 rooms can add up to $ 8400 or more for 7 nights. Tally up 18 meals a day, tours, activities, entertainment, tips and incidentals and costs could top $ 15,000- $ 20,000 for one week.

If you plan to travel to Costa Rica with family or friends the money you'll save by renting a vacation home will be significant. Luxury vacation rentals range between $ 3,500 and $ 7,000 per week for 3-7 bedrooms. You'll save even more money when you are not forced to entertain out every night. Most luxury rentals come equipped with DVD players and libraries, games, private swimming pools and hot tubs with no "closed" hours. You'll also have the benefit of being able to eat as many meals at home as you want to and the kitchen is open all night.

Sweet Home, Costa Rica

Baby Boomers love the intimacy a home provides, especially when they travel with family. There are no austere hotel lobbies or generic rooms. A vacation rental feels more like a home-away-from-home. There are pots and pans in the kitchen and private gardens to enjoy.

D'Arcy Rudnay from Philadelphia, PA recently spent a week with her family including grown children in a beachfront luxury villa in Manuel Antonio. She says, "Staying in a vacation home allowed us to reconnect as a family since we now live in different parts of the US We all got to enjoy each other."

Taking Care of Business

Like many of us, Boomers feel time-deprived. When they travel they like a little help with the details. They've stumbled upon a great luxury vacation home rental perk – most of them in Costa Rica include concierge service or offer it as an option. A concierge saves precious vacation time by presenting the best options for tours and activities. Booking services are free.

Susan Ranger, the concierge for Manuel Antonio Vacation Rentals in Costa Rica says, "Our Baby Boomer guests have discovered luxury vacation rental home stays allow them to fulfill all their family and work commitments within their limited time. Amenities like free wireless Internet mean they can take a few minutes to connect with work or responsibilities at home without feeling like they're missing out on vacation activities. "

Baby Boomers are still high on travel and still setting travel trends worth paying attention to. From great amenities to great values ​​Boomers have discovered perks that free them up to enjoy stress-free, quality time with their family and friends. Check online for the many luxury vacation rental home options available throughout Costa Rica. The home you find just may change the way you travel forever.