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

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

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

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

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

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

So what should you talk about?

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

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

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

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

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

How Millennials, Gen Xers and Baby Boomers Shop Differently – BedTimes Magazine

millenials shoppingBy gathering and examining information from a database of receipts, NPD Group, a research firm based in Port Washington, New York, and the Jay H. Baker Retailing Center at the Wharton School of the University of Pennsylvania in Philadelphia have unearthed a host of insights into generational differences in buying behavior. Baker Center research director Denise Dahlhoff and Andrew Mantis, executive vice president of checkout tracking at NPD, appeared on the [email protected] show on Wharton Business Radio on SiriusXM channel 111, to talk about what they’ve discovered about our retail proclivities.

An edited transcript of the conversation appears below.

Denise Dahlhoff: We were very fortunate to start this partnership, because we were both interested in finding out how different age groups are shopping. NPD Group has this amazing database of receipts that many, many people have submitted over time, so we looked at that data to find patterns.

[email protected]: What are the trends that you were hoping to find?

Andrew Mantis: It’s a good question. It’s that intersection of generation life stage and the way people purchase. Because, if you think about it, there are some things that are common. You get your first house, have your first child. That’s going to influence purchasing. That’s obvious. But what’s less obvious is what are the drivers underneath for each generation? That’s what we were looking for—not necessarily the obvious, but those true generational differences that then matter. As you said, there’s a big need for retailers to understand buying behavior. But it’s also hidden. And we found some interesting insights.

[email protected]: Is it a little bit easier, these days, to be able to start to decipher some of these trends because of the ability to collect this data more easily, due to the digital nature of so many things?

grocery shoppingMantis: There are many more sources. What we find is there are a lot of individual point sources, maybe just for some online purchasing or some specific categories. What’s still really hard to get, which we feel is unique, is that holistic view of someone’s full discretionary spend. That’s one of the things that we were going for—that view of whether you’re shopping for groceries or whether you’re shopping for auto parts, or whether you’re shopping for apparel. That view across is still challenging. And that’s one of the things that we were able to bring to the table in working with Denise.

Dahlhoff: Actually, technology has enabled that because when people submit their receipts—it’s through an app—they just take a picture of the receipt and can easily submit it. So, you’d make it really easy for people to participate in the panel, which helps the database.

Mantis: You’re right. And when you think about it, these technologies, these enablers wouldn’t have existed a decade ago, which allows us in market research some benefit. Then on the retail end, it causes a lot of disruption. The app-based universe is causing tons of disruption for retailers.

[email protected]: From a grand scheme overview, what are the biggest differences in spending patterns that you were able to see through some of this data between millennials and Generation Xers?

Dahlhoff: In general, let’s think about some of the hypotheses and expectations that you might have. For example, that younger consumers might be more focused on app-based services and products, even food delivery options like GrubHub and Seamless. And then, thinking about the other end of the spectrum in our study, the boomers, you would expect they may be more focused on traditional kinds of retailers. For example, we saw that online, millennials were more focused on these app-based options like Starbucks, Uber, Lyft and so forth. But also, some of the flash sale sites like Gilt and HauteLook. The boomers, on the other side, were focused more on multichannel retailers, especially department stores—traditional retailers that eventually moved online and now have multichannel operations. You see them favoring a lot of department stores, but also Costco, Home Depot and Lowe’s. Because again, it’s reflecting their life stage. However, another finding with boomers was that they are over-indexing on QVC. That was definitely very popular for boomers.

[email protected]: It really does show that the older generation has still got to want to get out there and do their own shopping. Sure, they’ll have some sort of digital connection to it, but more and more, millennials are relying on that digital connection.

Mantis: There’s no question about it. And, as Denise said, it was really interesting. We started to look at those buying behaviors. For online, the boomers are going where they’re comfortable. Whether it is a QVC or a Macy’s, it’s a store they’re comfortable with. The Gen Xers are kind of in between. They’ll be picking up some of the online pure plays like a Zappos or a Zulily. Another important point is millennials are a big group. That’s 18 to 34. In this study, we broke them down into younger millennials and older millennials. And even there, we see a difference, because with the older millennials, you’ll see some more of the lifestage stuff coming in involving having kids and buying a home. But the millennials in general were clearly the early adopters of services like Lyft and Uber. The other aspect to millennials, which is an important implication for retailers: They skew very heavily to buying in specialty stores as opposed to department stores. On the other hand, they’re the future of discretionary income. So, if you’re a department store, as millennials are aging, you have to start creating strategies that will resonate because millennials like experiences. Otherwise, it’s going to be a more difficult future for you.

Dahlhoff: And part of that can also be having “stores in stores” in department stores, because as Andy said, millennials like specialty stores. So creating that environment in a department store could actually help.

[email protected]: Are we going to see more downsizing of the big department stores because of the competition from specialty stores? Or will those department stores just keep adding specialty pieces to themselves?

Dahlhoff: It could be that. It could also be that they are creating specialty of their own, for example, by launching private-label brands. That has been happening, of course. Or having specific sections for millennials, like Macy’s has in New York, in their Herald Square store in the basement. Those are ways for retailers to cater to that need.

Mantis: … The store does still have to resonate and be something that provides a good experience to those millennials. They’re still very focused on brand. A different kind of example is the online players that are setting up physical locations—
Bonobos is an interesting one. It started purely online, and now they have select stores where you can’t actually walk out the door with merchandise, but you try it on there. And they’re very, very successful with millennials.

[email protected]: You’ve run some of these ideas out with quite a few retailers over the last few months. What’s been the reaction from the retailers that you worked with, in terms of the information that you’re providing?

Mantis: It’s been terrific. It’s really been a good reception and been adopted in very, very different ways. I can give you a quick example. We worked with a manufacturer that makes memory cards like you’ll put in a camera or a GoPro. We looked to see, when people bought cameras and even drones—all sorts of devices—did they buy memory cards at the same time or not? They found that people would buy something and then maybe two or three weeks later, go buy their memory cards. So, what happened is a nice partnership formed between Micron, which does the Lexar memory chips, Target and GoPro. Together, they had a shrink-wrapped bundle at Target. So, it was very much a win-win, right? Instead of Target losing that memory card business later on, everyone had it in the bundle. A very different kind of example—we were talking about retailers, but I thought this might be kind of a fun one—is McDonald’s breakfast. Huge amount of press.

[email protected]: Absolutely.

Mantis: But how do you know whether it’s not just the (regular) McDonald’s customer trading a Big Mac for a breakfast sandwich, because it’s all day. But with McDonald’s, we did find that in fact, they were drawing in new consumers. People who hadn’t eaten in McDonald’s in the last six months were coming and buying breakfast items at nonbreakfast hours. That meant it was (increasing) their business, not cannibalizing it.

[email protected]: The other piece to this is that this data can help retailers across the board. It’s not just one segment of retailers. You mentioned McDonald’s. It’s not that it’ll just help the fast food industry. This will help retail giants like Macy’s and potentially medium-sized business as well. This is stuff that will affect all kinds of different retail industries.

Mantis: That’s right. We’re able to provide fantastic transparency. And it’s really a view because it’s all consumer opt-in and all very privacy-friendly. We’re not talking about names and addresses. But we are talking about the same individuals over time. So not only is it insight into their buying patterns, but we can see patterns across retailers—who’s winning or losing, the brand-switching. Is someone becoming more loyal or less loyal? Maybe if you introduced eggs (to your menu) at night, you would have a growing loyal customer base. We’re able to provide that view over time, which also makes it more actionable.

Dahlhoff: One really interesting finding that we also saw was that millennials buy more gift cards than other generations—but only in certain channels. And it’s those channels that offer these card malls, where you can buy gift cards for restaurants, for telecommunications companies.

[email protected]: For Google, for eBay, you name it.

giftcard shoppingDahlhoff: Exactly, exactly. We saw that in convenience stores, mass merchants like Target and Wal-Mart, as well as in warehouse clubs, millennials would spend a higher share of their money on gift cards. And so one questions: Why is that? There are actually several reasons. Gift cards have been very popular across the board over recent years, but especially with millennials. You can explain it as, they’re fast and easy to buy. It has been said that millennials like to get things done fast and easy. And then you also have a lot of e-cards now, which makes it even easier. You can’t lose them. There are even apps where you can organize your gift cards so you have them with you at all times. And also, it’s a very practical gift. Millennials grew up when the Great Recession hit, so they are definitely more financially cautious. If you give a gift card, there’s no waste on unwanted gifts or the hassle of having to return them. All that seems to really play well with millennials. And now you can even personalize the gift cards, because some people, especially from older generations, are reluctant to give gift cards. But if they do, they prefer giving a card to a specific store. However, like with online gift cards, you can customize them now with messages or images or you can attach a video. So it’s a bit customized, as well.

[email protected]: For the businesses out there, what is the big gain from this type of research that they can really expect to see maybe in the next 10 to 15 years?

Mantis: Retailers are good at having a view of what customers are doing with them. But they don’t have an easy way to understand how consumers’ behaviors are changing outside of their stores. What we’re able to provide are two things: One, a very transparent view to where else their consumers are buying with competitors, which obviously is actionable. You can change your assortments, your merchandising, your pricing strategies and your marketing. But two, with the holistic view, we can see the overall trends—the macro trends that tie to the generations that form some of the bigger strategies. If I were to give you a sound bite on millennials, I’d say, OK, we know they’re health conscious. But when they want to splurge a bit, they’re going to In-N-Out Burger. It fits their lifestyle. They want value and quality. So they may be going to Nordstrom Rack and Nordstrom. They like physical and digital goods. They’re spending more and more of their discretionary income on things like these mobile game downloads. And what we talked about earlier with apps, it’s multichannel. So for us, what I think is, you’ve got a lot of really great short-term tactics that the data can help with, and then also inform these macro buying trends.

Dahlhoff: Yeah, I think generally, there were so many detailed findings that you can leverage for your marketing strategies—thinking about the individual segments, but then also, pretty much all generations buy at mass merchants. But thinking about your individual segments and how you can serve them best. For example, mass merchants are more popular with younger segments. And Target is a great example of a retailer that has really tried to cater more to that big customer segment by offering more home goods and kids products. There are even, in some pilot stores, advisers for those categories to help shoppers when they make purchases, to give them advice. You know, first-time parents might need that for the kids category. Or for home, they have launched more private-label lines for that group. And they are also thinking about healthier food, because as Andy said, millennials, in particular, like healthy food options.

Mantis: What’s also interesting: Food is becoming more and more intertwined with retail. The study had some interesting findings on convenience stores, where the generational buying patterns were so different. The boomers were mainly getting gas. The millennials were buying a lot of groceries. So if you’re in the convenience store business, you need to cater some of your food assortments to millennials, as opposed to boomers. Right? So, even at places like convenience stores, we’re finding large differences in buying patterns where, if a retailer is not addressing them, some of them will do better, and some won’t.

Dahlhoff: I think another thing that it reflects is this convenience orientation. Like literally, the convenience in the convenience store. We think about the checkout process to make it really efficient and easy to get in and get out, because that seems to be one of the needs that consumers have.

[email protected]: What about the move by McDonald’s, which has in some locations gone away from actually talking to somebody to place your order and gone to the touchpad screen to do your ordering instead?

Mantis: That’s interesting. You know, we haven’t measured that specifically. That might be a good follow-up, taking a look at some of those stores. But at the end of the day, if it’s driven by an operational point of view, that would be one thing. But my sense is the success will be the customer experience. If the touchpad’s providing a better customer experience, it’ll be great. If it’s for cost savings, and it’s not providing the experience, I don’t think that would be the way to go.

Dahlhoff: Another example where this has worked really well is Starbucks, because they see now that many people preorder their beverages before coming to the store.

[email protected]: Over an app.

Dahlhoff: Not that they don’t like the human interaction, but just to save time and be convenient.

Mantis: Well it’s a win-win, right? It’s helping Starbucks for logistics. And—Denise to your point—it’s super convenient. And they execute beautifully on their app, too. They make it a great experience for the consumer.

Republished with permission from [email protected], the online research and business analysis journal of the Wharton School of the University of Pennsylvania.

Discover The Increase In Baby Boomer Travel

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

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

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

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

Baby boomers are getting richer while millennials are getting poorer — and Brexit will make it worse – Business Insider Australia

The millennial generation is now the poorest in Britain while older people are getting richer, according to the Institute of Fiscal Studies.

The future doesn’t look much brighter. Britain’s vote to leave the European Union — a decision bolstered by the baby boomer vote — will leave economic uncertainty and reduced opportunities for young people in its wake.

While overall incomes rose by 2% in real terms between the 2008 financial crisis and 2015, the study found that most of the wealth went to the older generation.

The income disparity between age brackets makes pretty depressing reading for millennials.

Here are some highlights:

  • 22 to 30 years old — income fell by 7%.
  • 31 to 59 years old — no change in incomes since the financial crisis
  • 60 years old and over — income jumped by 11% over the period, when measured before housing costs.

The IFS looked at data from the government’s Department for Work and Pensions (DWP)’s Households Below Average Income (HBAI) series, published on June 28, 2016. It is a survey of more than 20,000 households in the UK, which asks detailed questions about income from a range of sources. 

The income disparity between age groups is down to a few things:

1. Old people’s pensions and subsidies are healthy — during the recovery period from the financial crisis, the government “triple locked” the state pension, meaning that old people would receive a return on their pension, whichever is the highest out of inflation, earnings, or 2.5%. On top of that, they have non-means-tested subsidies on winter fuel payments.

Pensioners also get free bus travel and free prescriptions, and even a Christmas bonus. But a lot of people aged 60 and over are still working.

2. The younger generation have stagnant wages and higher living costs — in contrast to pensioners, younger people are either struggling to get into the jobs markets, despite record low unemployment, and if they do work, their wages are pretty meagre when weighing up living costs.

Millennials and those aged up to 60, do not have subsidies like older people. They are less likely to own a home, have savings, and therefore pour most of their money into rent, transport, utility bills, and food.

Brexit is going to make everything worse

The IFS warns that it is only going to get worse for young people. 

“Tackling low income is increasingly about tackling the problems faced by low-earning working households. In the short term this would be aided by a continued recovery in the number of hours worked by those on low wages or by more second earners entering work,” said Robert Joyce, an author of the report and an Associate Director at IFS.

“Ultimately substantial progress will depend crucially on economic policies that push up productivity. Economic uncertainty following the Brexit vote will only serve to make these challenges all the tougher.”

Brexit has already caused chaos — the pound slipped to 30-year lows, the stock market has been all over the place, and companies are thinking of pulling out of Britain or relocating jobs. 

The IFS warned:

“Virtually all serious analysis suggests that the uncertainty over the UK’s future relationship with the EU will lead to a smaller economy and hence lower living standards over the next few years than we would otherwise have had. But precisely how this will feed through into employment, earnings, and tax and benefit policy is impossible to predict with confidence.

“The vote for Brexit is highly likely to have a significant negative impact on national income over the next few years. But the impact on inequality will depend on which households’ earnings and employment are most affected and on the government’s tax and benefit policy response.”

And guess what? It is actually old people that can be largely to blame for this — they were the ones who overwhelmingly voted to leave the EU.

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

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

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

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

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

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

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

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

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

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

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

VA reports see Hepatitis C spike in Baby Boomers – WDAM-TV

Source: WLBTSource: WLBT

JACKSON, MS (Mississippi News Now) –

Jackson’s VA Center is seeing an increase in Hepatitis C cases among Baby Boomers.

Infectious Disease specialists began offering HIV and Hepatitis C screenings in December of 2014, and so far 280 patients have tested positive for Hepatitis C.

The HIV/HEP C tests are offered in conjunction with patients receiving treatment for substance use disorders.

Doctors attribute the spike is linked to opioid use.

When opioids are not available, some users turn to injecting heroin.

Physicians said not all cases come from needle injections.    

“We discovered about one in five had Hepatitis C and 25% of the cases that we discovered were brand new cases,” said Jackson VA Infectious Disease Specialist Dr. Mary Jane Burton. “Meaning the day they walked into substance use disorder treatment they did not know they were infected.”

VA physicians said the spike in Hepatitis C is among those born from 1945 to 1965 and screenings are recommended for all patients in that age range.

Copyright 2016 MSNewsNow. All rights reserved. 

                           

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

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

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

Will I be able to retire?

When can I retire?

How much do I need for retirement?

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

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

Does that sound like a radical idea? Read on.

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

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

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

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

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

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

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

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

Here’s a trivial question for you.

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

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

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

Ok, here’s the scoop.

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

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

1950s – What The Baby Boomers Experienced



This is a portion of my one-hour documentary titled The Sputnik Moment. The results of Sputnik provoked improvements in American education that were just amazing. I was alive at that time and benefited by it. The footage in this film has not been seen since it was made. I bought it from a collector who had saved thousands of films from that time. To see my entire film search the words Sputnik Moment on my YouTube channel. Thank you.

Baby Boomers – A Healthcare Crisis Nears

Baby boomers are quickly approaching retirement age, and as they do, there are a number of concerns that need to be addressed, particularly in the area of healthcare. Unfortunately, there appears to be no easy answers to the healthcare problems that baby boomers, and the population in general, will face in the very near future.

Baby Boomers are people who were born between 1946 and 1964. During this period of time the United States of America saw an explosion in birthrates that had never been seen before and nothing like it has been seen since. Today, baby boomers make up approximately 28% of the total United States of America population.

With this group of people occupying such a large segment of the population, it is predicted that there will be a major financial strain on the healthcare industry as a whole, as baby boomers reach retirement age. There are many reasons why the healthcare industry will face problems as baby boomers begin to retire and begin to need long-term care services.

Baby Boomers Are The Nurses

Go to any healthcare facility today and look around at the nurses who are working there. One thing will become abundantly clear to you; the vast majority of nurses working in healthcare are in fact baby boomers themselves. We have heard for the past few years about nursing shortages and predictions that these nursing shortages will only get worse.

There are many reasons why the United States of America currently faces nursing shortages. Traditionally, nursing has been a career dominated by women. Women have made great strides in efforts to gain equality over the past few decades; much of this progress is attributed to women who are from the baby boomer generation. With these strides in equality, women have realized that they have many more career choices other than being a nurse, a schoolteacher, or a homemaker. Today women are running the largest corporations in America, making great salaries, and receiving high levels of prestige.

A Two-Fold Problem

As baby boomers retire a two-fold problem is created. First, there will be even fewer nurses, because baby boomers make up such a large part of the current nursing workforce. The second part of the problem is that as baby boomers, 28% of our population, retire they will require more healthcare as a part of the aging process.

As you can see, there are some serious healthcare problems that need to be addressed. Leaders in the healthcare industry have been working extremely hard in trying to find a solution. Sadly their efforts are only making minimal impacts in increasing the nursing workforce.

Healthcare companies have tried everything from raising salaries to offering outrageous sign on bonuses. Money does not seem to be the key to get people interested in nursing. Survey a group of nurses and most will not complain about their salary. What they will complain about is the day-to-day workloads that they face. Nurses are overworked and carry larger and larger patient loads as a result of shortages.

Combine this with the fact that nurses, who typically get into healthcare to provide direct patient care, are being forced to do more administrative type tasks. Some of these tasks include excessive charting to meet requirements set forth by Medicare and insurance companies, and trying to get patients care certified, or paid for, by insurance companies. Most nurses did not become nurses to sit behind a computer and to talk on the phone for hours.

How This Will Affect Baby Boomers?

Advancements in medical technology and science means that people are living longer. This does not always mean that there is a high quality of life for those that are living longer though. Many of these people who would have died from a medical condition two decades ago can now live for a long time to come. These people often require a great deal of long-term care, whether it is at home or in a long-term care facility.

Those receiving long-term care at home require nurses to help them with their day-to-day tasks. The following is a quote taken directly from the Medicare website (http://www.medicare.gov/LongTermCare/Static/Home.asp)

“Generally, Medicare doesn’t pay for long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care. However, you must meet certain conditions for Medicare to pay for these types of care. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Medicare doesn’t pay for this type of care called “custodial care”. Custodial care (non-skilled care) is care that helps you with activities of daily living. It may also include care that most people do for themselves, for example, diabetes monitoring.”

There is also a great deal of talk about whether or not Medicare will even be around in the coming decades. Consider the fact that 28% of the population will no longer be contributing to Medicare via taxes, while at the same time that 28% will be using more of the resources.

Is It All Really That Bleak?

Yes and no. It is true that there are no easy solutions in the foreseeable future to help deal with the nursing shortage, while the need for nurses will increase dramatically. It is also true that the economics of supply and demand will create a situation where healthcare will become even more expensive, while healthcare providers continue to raise salaries in hopes of attracting nurses.

So where is the good news you ask? The good news is that nurse recruitments are showing “some” success. Young people are showing a renewed interest in nursing, due in large part to huge marketing campaigns put out by nursing schools and healthcare organizations. The flip side of this is that these young people are going for the high level nursing degrees such as Registered Nurse (R.N.) and Nurse Practitioners (N.P.), but the lower level (lower paying) jobs such as Certified Nursing Assistants (C.N.A.’s) and Certified Medical Assistants (C.M.A.’s) remain understaffed. These are the ones usually providing direct care while the RN’s and Licensed Practical Nurses (L.P.N.’s) are meeting accreditation requirements by doing all of the charting and talking to insurance companies.

The other good news is that insurance companies are planning ahead and offering long-term care insurance plans that will allow you or your loved ones the ability to be able to pay nurses for long-term care services. Many baby boomers are taking their future into their own hands by taking out these long-term care insurance policies.

Finally, leaders in government and the healthcare industry are working diligently to address what is a predictable issue. Since these are predictable events, they can be planned for as much as possible.

'Millennials' pay £44k more in rent than baby boomer generation, study finds – ITV News

Under-35s will have paid tens of thousands of pounds more on rent than previous generations, a new study has found, as rent costs spiral and fewer young people make it onto the property ladder.

Think-tank The Resolution Foundation said so-called ‘millennials’ will pay, on average, £44,000 more on rent by the time they turn 30 than the ‘baby boomer’ generation – and £25,000 more than the generation above, ‘Generation X’.

Around 63 per cent of baby boomers – those aged between 50 and 70 – had climbed onto the property ladder by the time they celebrated their 30th birthday, along with 60 per cent of ‘Generation X’ers (those aged 35 to 50).

By comparison, only 42 per cent of under-35s will achieve the same thing.

A report by the think-tank analysed Office for National Statistics (ONS) figures along with data from Halifax to examine home ownership rates and rental outgoings across the UK.

It found that the extra money the younger generation was having to spend on rent meant buying their first home was increasingly difficult.

Resolution Foundation senior policy analyst Laura Gardiner said the £44,000 difference was brought into context by the £33,000 average deposit needed by people to buy their first home.

“The nation’s housing crisis is perhaps the most visible example of growing inequality between generations,” she said.

“Young people today are paying a heavy price for decades of falling home ownership. The struggle to get on the housing ladder has left many of today’s millennials renting, at a time when it has become more expensive to do so.

“Britain’s continuing failure to build enough homes means that unless we change course the struggle of young people to own their home is only going to get worse.”

It comes as the Foundation prepares to launch its Intergenerational Commission on Monday, which will carry out an 18-month investigation into young peoples’ living standards compared to those in the past.