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Many younger boomers have used computers through much of their adult lives, and we estimate that about 85% of 55- to 64-year-olds will be internet users this year. And yet, the internet does not fill as much space in their lives as it does for younger generations.
In a Pew Research Center poll from January 2018, 39% of 18- to 29-year-olds and 36% of 30- to 49-year-olds said they use the internet “almost constantly.” In the 50-to-64 age bracket, less than a quarter (17%) said the same.
Then there’s the smartphone factor. To millennials, digital life without smartphones is almost unthinkable. A majority of younger boomers have a smartphone, but they are not as attached to it as younger people are, partly because they perform fewer functions on it. It doesn’t help matters that more and more younger boomers are becoming empty nesters. Without kids around, they lack the in-house tech support that one’s offspring can provide.
Nearly half of Baby boomers seeking to start their own business say the main reason is a desire to call their own shots. In a recent Guidant Financial Baby Boomer 2018 Small Business Trends survey, 43% of respondents gave “ready to be my own boss” as their main motivation to open a business.
2018 Baby Boomer Small Business Trends
Business owners over the age of 50 accounted for 50% of the nationwide aspiring entrepreneurs in the Guidant survey. This was a 10% increase from the previous year. The other motivations for opening a business included: a desire to pursue a passion (42%), the desire to take advantage of an opportunity (36%), an unhappiness with corporate America (22%), and being laid off or outsourced from their current position (15%).
Baby boomers born between 1946 and 1964 are driving small business growth by expanding their existing enterprises or as an encore career. This experience gives them a great advantage over younger entrepreneurs.
David Nilssen, CEO of Guidant Financial, explained this particular aspect of their experience in a press release. Nilssen said, “Those who decide to start businesses later in life have several advantages over their younger counterparts. Baby boomers often have larger professional networks and years of business experience, and we’re seeing an increasing amount who are leveraging those benefits to launch and grow their own ventures.”
The Guidant Financial survey was carried out between November 28, 2017, and December 1, 2017. More than 2,600 male and female small business owners and aspiring entrepreneurs responded to the email survey across the US, including Alaska and Hawaii. The participants ranged in age from 18 to over 70.
The survey also shows the Baby Boomer demographic to be living longer and healthier lives with the need for more than their retirement plans to fund their lifestyles. This group also showed a very positive attitude with 76% of the owners saying their happiness level was 8 or higher on a scale of 1 to 10. The vast majority said they were in the process of expanding their business with 67% saying their business was profitable and only 6% saying they were looking to sell.
Predictably, funding was listed as the biggest hurtle for 61% of respondents. Drilling down, 47% said they did not have the cash for a down payment, 46% listed a lack of knowledge about funding options, 24% complained of unqualified credit scores, 19% were concerned about debt and 18% listed trouble with bank loan approval.
Image: Guidant Financial
Thanks to their sheer numbers, the baby boomers have shaped society, driving social change and the economic expansion since the 1970s. But now they’re influencing society in a new way — by holding on to their homes.
The oldest baby boomers are now in their early 70s, an age that in previous generations signaled a desire to downsize into condos and apartments. But economists are finding that boomers aren’t yet downsizing, at least not in the numbers that some of them had predicted.
That may be adding to the ongoing inventory crunch facing homebuyers, said Zillow senior economist Aaron Terrazas. Boomers are healthier and working longer than previous generations, which means they aren’t yet ready to sell their homes and strike out for retirement developments. And some may not want to sell their homes because they then must jump into the homebuyers’ market, which is suffering from low inventory and high prices.
“Several years ago there was an expectation that as baby boomers move into retirement, there wold be a surge of homes hitting the market,” Terrazas said. “That really hasn’t materialized.”
That’s pinching the real estate market because Americans over 65 have the highest homeownership rate of any generation. Almost 80 percent of seniors own their homes, compared with 35 percent of Americans under age 35.
Boomers also say they intend to stay put. In a homeowner survey conducted last year by Realtor.com, 85 percent of them said they didn’t plan on selling their homes in the next year, compared with 59 percent of millennials who are homeowners.
With boomers remaining in their homes, that removes about 33 million properties from the market, Realtor.com estimated. That’s significant considering 5.5 million existing homes were sold last year, according to the National Association of Realtors.
“Moving rates and downsizing among households in their early retirement years is not very common,” wrote Oregon state senior economist Josh Lehner in a blog post about the phenomenon. “In fact it is less common today than in decades past.”
Here are three trends that are keeping boomers in their homes longer:
Americans who are over 65 are projected to be the fastest-growing segment of the workforce over the next six years, according to the Bureau of Labor Statistics. While the overall workforce will increase 5 percent in that time, those from 65 to 74 are forecast to grow by 55 percent, the BLS said.
In May, 9.8 million Americans over 65 were working, the highest number recorded since 1948, according to BLS figures. Older workers have been remaining in the workforce in greater numbers since the 1990s, when, as in earlier decades, the typical 65-plus workforce held stable at about 3 million annually.
“Retirement today is very different than a generation ago,” Terrazas said. “Thirty years ago, when people retired, it was toward the end of their lives — when they hit 70, they were always hitting health difficulties.”
Downsizing at 80
Instead, downsizing is increasingly shifted to very old age, when Americans are in their 80s and find themselves unable to care for their homes.
“In our own research, we find the homeownership rate increases and stabilizes as you get older, but at age 83 you see more people renting,” Terrazas said. “The early 80s is when many people lose the capacity for autonomous living.”
With the oldest baby boomers now 72 years old, it could take another decade before the U.S. sees significant downsizing, he added.
Kids are still home
Boomers are also coping with another generational change: Their kids who haven’t moved out.
More than one-third of adult children between the age of 18 to 34 are living with their parents. That may make it tougher for the parents to decide to sell, especially in expensive markets where their children might have difficulty finding affordable homes.
© 2018 CBS Interactive Inc.. All Rights Reserved.
For starters, I believe necco wafers to be a terrible candy. If I ordered a crate of history’s most successful sweets and they, of their own free will, decided they weren’t coming with, I would be ecstatic. I wouldn’t even question how a confection gained sentience, that’s how unpalatable I find them. This is why I don’t understand Trump’s decision to rescind his White House invitation to the Eagles based off of a few other players’ determinations that they would not participate.
Isn’t this how many people view NFL players anyway? As goods to be purchased and traded to play a ball game for the entertainment of others?
If this isn’t how you view them, how can you be upset when they act like what they actually are – real human beings with real views they are entitled to express. Half of the upset don’t understand what the protesting is about in the first place. There is nothing anti-American about it. In fact, exercising one’s free speech on a platform they normally wouldn’t have is one of the most American things I can think of.
For a generation that grew up with harsh protests against our involvement in Vietnam, I don’t understand how so many of them are against protests much more tame in nature. And while I am definitely generalizing an entire generation, I don’t care much seeing as my own millennial generation, as a whole, is blamed for everything from failing Applebee’s to decreased Homeownership.
You guys already won anyway seeing as the NFL has caved and will now be fining teams whose players kneel, a decision that allows them to profit off of a marginalized group of people’s slight dissent – a sickening thought for another time.
Nerpel lives in Fargo.
Espero q les guste
Passages Health Insurance Counseling & Advocacy Program (HICAP) is presenting Welcome to Medicare workshops for those turning 65 this year or younger adults who will be entitled to Medicare due to a disability.
As people get closer to Medicare eligibility, there are several things to consider. In light of the fact that Medicare’s coverage is much like employer group coverage it’s important to know what questions to ask how will my retiree plan work with my Medicare, can I delay enrolling into Medicare and not be penalized, so I need a drug plan and are there programs available to lower my Medicare health and prescription costs?
Workshops will be offered 10 a.m. to noon Thursday, June 14 at Lakeside Pavilion, 2565 Lakeside Village, Chico and 1-3 p.m. Tuesday, June 19 at Red Bluff Community Center, 1500 S. Jackson St., Red Bluff.
Registration is required by calling 898-6716. This free workshop is designed for baby boomers and others who will be new to Medicare this year who want to understand how their Medicare benefits work. Family members or caregivers are also welcome to attend.
People who are new to Medicare will be deluged with information from different insurance companies marketing their products. Ronda Kramer, program manager for Passages HICAP warns signing up with the wrong plan, or not doing anything may cost new Medicare recipients thousands of dollars, and they may not be able to make changes if enrollment deadlines are missed.
For more information, call HICAP at Passages at 1-800-434-0222. If your group or agency would like a workshop, contact Katherine Tilman at 898-5927. And remember, HICAP does not sell or endorse any insurance products.
Passages helps older adults and family caregivers with important services to empower them to remain confident in their ability to sustain and enjoy independent lives. For more information about Passages services go to www.passagescenter.org.
As many of my subscribers know, this is a clip from my 6 part PBS documentary series, making sense of the 60s. I loved talking with experts and authors and parents who raise kids at the time where I was a kid. I learned a lot. Most of this section is about the experience that parents had in white middle-class America. Another section of my documentary deals with the experience that black parents and black kids had.
Hallo Mädels, heute zeige ich euch wie ich einen wunderschönen Babyboomer arbeite. Viel Spaß beim Zuschauen!
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“Ah, ha, ha, ha, stayin’ alive, stayin’ alive,” boomed through the exhibit hall at Duluth’s Infinite Energy Forum, seniors and baby boomers bobbing their heads to the beat of the song.
On the projector screen before them, two tips popped up: “call 911” and “push hard and fast in the middle of the chest.”
Though the American Heart Association’s hands-only CPR commercial made performing CPR look fun — the commercial urged those performing the lifesaving measure to “push hard and fast” to the beat of “Stayin’ Alive” — the actual experience of having a heart attack is much more serious, something Gwinnett Medical Center Chest Pain Practice Specialist Mary Hudgins stressed to the audience.
One of six speakers at the Daily Post’s Generations Expo on Saturday, an annual free event designed for baby boomers and seniors as well as their families, friends, caregivers and anybody else interested in the issues facing today’s seniors, Hudgins spoke about heart attacks, what signs to recognize and what to do in the event of a heart attack.
For those who live with other people, she said, make sure someone in the house knows how to perform CPR and knows to call 911 immediately.
For those who live alone, she recommended buying some type of life alert system.
“I think you ought to have an alert system of some sort, I really do,” she said. “They make them so they tie in with your security system so when you’re home, you can wear it or have it by the bedside. It’s a great device, and you know, if you’re healthy, you don’t worry about that kind of things, so the first thing would be to take good care of yourself and try to make sure that your risk is as low as possible. But having one of those alert devices is also important.”
The expo, which is now in its fourth year, drew a large crowd to the Infinite Energy Forum Saturday morning, where attendees were able to meet with vendors that provided health and wellness information, enjoy free health screenings, participate in educational discussions such as Hudgins’ and win prizes.
The event, Noreen Brantner, director of events for SCNI — the Daily Post’s parent company, said, was a success.
“We’re really excited to be offering the services that the older community needs,” Brantner said. “I think one of the things with this event is that Gwinnett County is just growing like crazy — especially with the older population — and retirement communities are popping up left and right so this is the type of event that is needed. Attendance has been overwhelming as always and it was a great turnout and a great morning.”
Jo Hall, a local resident who attended Saturday’s expo, echoed Brantner, saying events like the expo are definitely needed.
“I was very interested in seeing all the information for elderly people and baby boomers,” Hall said. “I’m on the cusp, so I sat in on a couple of speakers and they were very, very helpful. It’s just interesting to find out about new procedures and medicine and things like that, so it’s a (good event) to have.”