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Babyboomer Sugar Effect – przedłużanie paznokci metodą żelową

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Przedstawiam szybki i prosty sposób na zdobienie baby boomer oraz przedłużanie paznokci metodą żelową krok po kroku.

Produkty których użyłam to:
Primer- Semilac
Baza- Bonder gel NC Nails
Żel- Victoria Vynn No.03 Soft Pink
Pilnik- Neonail 100×180
Bloczek polerski- Semilac
Lakier- Victoria Vynn No.003 Velvet Agate
Sugar effect- Indigo
Gąbeczka- Smiel
TOP Matt- Victoria Vynn
Cleaner- Estetiq
Oliwka- Neonail melon
Lampa LED 24/48W SunOne.

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Muzyka: Charlie Puth ft. Selena Gomez – We Don’t Talk Anymore (Official Instrumental)
Zapraszam do subskrybowania oraz komentowania! 🙂

Millennials vs Baby Boomers: Brechas digitales e información | #MillennialsVSBoomers

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¿Cómo consume información la generación millennial? ¿Quiénes son sus referentes informativos? Disfruta en diferido de la sesión íntegra ‘Millennials vs Baby Boomers: brechas digitales e información’.

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Online boom from Baby Boomers

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The FINANCIAL — KPMG’s global online consumer report, which analyses the online shopping preferences and behaviours of more than 18,000 consumers in 51 countries, has revealed that Baby Boomers (born between 1946 and 1965) are the generation that spend the most online while Millennials (born between 1982 and 2001) spend the least. 

Despite the common belief that the upswing in online shopping is largely driven by the younger and more ’tech-savvy‘ Millennials, Generation X consumers (born between 1966 and 1981) in fact made 20% more purchases last year than their younger counterparts.

Liz Claydon, UK Head of Consumer Markets at KPMG, commented: 

“Naturally stage of life and income levels are primary factors in driving both online and offline shopping habits. Generation X consumers, many of whom are more established in their careers and may be building homes and families, are likely buying more consumer goods than the younger Millennials. What’s more, due to structural quirks in the economy, a substantial proportion of wealth is concentrated in the older generations which means Baby Boomers have more disposable income than their younger counterparts. 

“Clearly the older generations should therefore not be underestimated in the context of ecommerce made even more apparent in our analysis which showed that Baby Boomers matched the digital-first Millennial generation in making on average 15 online transactions a year but spent on average $30 more per transaction.

“However, Millennials are significantly disrupting traditional shopping habits. They are very unlikely to be influenced by online advertising but the most likely to consult a blog or peer review before making a purchase. This means retailers need to find new and innovative ways to entice the younger generations to continue buying online.

“It also means that the perils of getting it wrong, be it a faulty product, bad customer service, or disjointed process can have a serious impact on Millennials’ decision making, particularly if any negative feedback makes it onto a review board.”

Millennials are not only more likely than the older generations to be influenced by online sources such as social media or peer reviews—they are also more likely to be influenced by offline channels when considering a purchase. According to KPMG’s report, Millennials were nearly 50% more likely than Baby Boomers to research a product by visiting a store or discussing the idea with friends or family. 

Liz added: “Convenience is the main motivation for online shopping but it’s clear ecommerce is not an online-only affair anymore. Both online and offline channels are effective in creating consumer awareness and demand, especially when used together. This means we should see companies becoming channel agnostic, so that it does not matter where purchasing decisions starts, what matters is that all channels are seamlessly connected in order to offer the utmost in consumer convenience.”

How did UK customers compare to the rest of the World? 

KPMG analysis found that UK consumers were more likely to compare prices before making their purchase.  Globally 27.3% of respondents noted price as the major factor and 64.9% of respondents researched more information on price. However, in the UK this increased to 32.1% and 72% respectively. 

Perhaps as a result, UK consumers took notably longer than their global counterparts in making a purchase decision. Globally, only 1.7% of respondents took more than 3 months to make a purchase, whilst in the UK this rose to 2.6%. 

Adrian Clamp, UK Head of Customer Advisory, commented:

“The British customer is more informed than ever but they have also binged on a diet of discounts for some time now. For retailers this has come at the expense of increasingly squeezed margins in an effort to compete for market share. 

“However, according to our research 65% of respondents cited excellent customer support as the top attribute for obtaining and retaining customer loyalty. Companies should find ways to provide exceptional customer support online which could in turn lead to loyalty in an environment where it can be challenging to stand out. With less and less wiggle room to compete on price, providing superior customer service, assistance and advice online could therefore become the differentiators for customers, regardless of age.”

 

Column: Broke baby boomers, it’s time to face reality

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Senior Caucasian woman with chin in hands. Photo by Jose Luis Pelaez Inc/Getty Images

In “Fifty-Five, Unemployed, and Faking Normal,” White offers advice to those baby boomers who, instead of facing cushy retirements in Florida, are facing financial ruin and the shame that comes with it. Photo by Jose Luis Pelaez Inc/Getty Images

Editor’s Note: “Friends wonder privately how someone so well educated could be in economic free fall,” Elizabeth White wrote in a column for PBS’ Next Avenue. “At fifty-five, she has learned how to fake cheeriness and to appear to be engaged, but her phone doesn’t ring with opportunities anymore.”

The article about the growing number of women facing retirement and struggling to make ends meet hit a nerve, receiving thousands of likes and comments on Facebook. People resonated with the reality White faced herself. She had had a comfortable upper-middle-class lifestyle and a good-paying job, but after a failed entrepreneurial endeavor and the Great Recession, she was facing a stark reality. She was broke.

In “Fifty-Five, Unemployed, and Faking Normal,” White offers advice to those baby boomers who, instead of facing cushy retirements in Florida, are facing financial ruin and the shame that comes with it. The following is an excerpt from her book. For more on the topic, tune in to tonight’s Making Sen$e segment, which airs every Thursday on the PBS NewsHour.

— Kristen Doerer, Making Sen$e Editor


I have been fortunate. I have been poor for quite a long time now, so I’m pretty good at it. The simple no-frills life is fine by me. — Debie

Millions of us are trying to wrap our brains around futures that look nothing like the ones we imagined. How do we walk up that hill? It’s about letting go of what used to be and figuring out what we need to do and to change now so that we can have a shot at a more satisfying life in our fourth quarter.

You may not like all of the things that I invite you to consider and take on in the chapters ahead. Adaptation is hard at any age, but it’s especially hard now, as all of the rules changed just as we baby boomers are planning our end games. It would be so much easier to just do what we’ve always done.

All of those “wouldas, couldas and shouldas” are just a waste of precious time at this point.

But we can’t. We’re anxious, uncertain about the future and just scraping by for the next 30 years is just not going to cut it. Nor is being mired in some old stuck story or feeling mad, bitter and crotchety. All of those “wouldas, couldas and shouldas” are just a waste of precious time at this point.

The bottom line is that we are where we are. And it’s from here that we start. While there is no one-size-fits-all solution to the challenges we’re facing, there is much we can learn from our peers who are experimenting with unconventional approaches and innovative ways of relating to others, consuming goods and working to find security and happiness.

If we’re in denial, resistant to change or unwilling to consider anything new or outside of our comfort zones, we might as well close up shop now. How we start this exploration matters. Staying open and hanging loose are important.

I have to say one thing. You cannot have a victim mentality, or you might as well not get up in the morning. The days of cushy desk jobs, ordering lunch every day and fat paychecks might be over, but you have to keep pushing. If you have ‘friends’ who go to bars and restaurants that you can’t afford, find some new friends who enjoy a cup of coffee and a chat instead. Learn how to be self-sufficient and enjoy the things in life that cost less. Stop reading the don’t-want-you ads, and try to do something else. — Tracy

The cavalry ain’t coming

Where we start is by recognizing that the cavalry is not coming to rescue us. There is no national bailout—no prince charming on a white horse.

In the short to medium term, we’re going to have to save ourselves and one another.

Why? Well, with few exceptions, our politicians are not offering comprehensive solutions to the retirement-income crisis. Most are focused on Social Security as though it were the answer and the magic bullet. But what if you’re one of the millions of boomers under the full-retirement age, of between 65 or 67 depending on when you were born? Then for now, you’re out. Receiving the full Social Security benefit isn’t even an option.

READ MORE: Column: Questionable Social Security and Medicare policies put seniors in a bind

And even when you are eligible for it, the full benefit will only replace about 40 percent of your preretirement income, if that. Most financial advisors say you’ll need 70 to 80 percent of it to maintain your standard of living. For tens of millions of Americans, that small Social Security check is the only money coming in. Our lawmakers can pretend all they want that that’s enough to live on. Give me a break.

And while we welcome the recent talk in Washington about increasing the Social Security benefit, we also know that the wheels of change turn slowly. We’re living in the meantime.

And exhorting us to simply save more without telling us how to do it doesn’t help us either.

I went with my sister to one of those financial-planning seminars and had to leave the room a few times because I was so upset by what I was hearing. It was just so sobering. I have no savings. The planner kept talking about putting 30 percent of your assets into this or that thing. Well, 30 percent of zero is zero. — Chris

The truth is that Americans are saving less, not more.

It will take years for our government and institutions to find and scale solutions to the myriad of problems that underlie the retirement-income crisis. And as those most affected by the crisis, part of our job is pressuring them to do more and to do it faster.

But in the meantime, with no big interventions in the works, our immediate focus should be on what we can do for ourselves.

Saying goodbye to magical thinking

So where do we start? We start by dismantling the belief that if we just tough it out, things will return to normal. The truth is that we’re not going back. The normal we knew is gone.

In “normal land,” we could zig and zag, move, change jobs or spouses, try new things and still recover from our mistakes. We had time. Now, in our late 50s, 60s and beyond, we don’t have that time anymore.

“Normal” was when we had money and did not have to weigh our every decision against its affordability.

Normal was before we knew anyone trapped in their homes, unable to move because their mortgage was underwater.

It was before we were outsourced, merged downsized, rifted and surplused.

READ MORE: Can you guess how many Americans have absolutely no savings at all?

In normal land, the “sharing economy” had mostly not been invented yet. Instead, there were good IRS W-2 jobs with pensions and benefits.

In normal land, we measured our worth by our incomes, props and credentials. For some of us, working hard assured a nice retirement “dessert” of travel and kicked back living.

Normal was when we weren’t worried about our children’s futures. As one friend put it, we figured we’d done our jobs if our adult children were employed and could afford their own therapy.

Normal land had material perks too. There was stuff and more stuff. Back in those days, designer labels mattered more than the factory workers who made those labels.

Before marketers coined the term HENRY, or “high earners not rich yet,” there were yuppies and buppies. A good life of achievement and acquisition was what most of us aspired to and sought.

Magical thinking is believing that the old normal is coming back.

The new normal of financial vulnerability

Right now, depending on your work situation or bank account, you may feel like a tourist in the land of the poor people. At this stage, your main goal is to avoid getting trapped and having to take up permanent residency there. It is a paralyzing thought. I know.

This happened to me in my 40s, and it took me a good 10 years to get back to a normal wage. It took periods of working three jobs at crummy wages and doing whatever I had to do to keep going. The truth is, your friends don’t notice the struggle, because they fear it will happen to them. Decide who your genuine friends are, and come clean to them. If nothing else, it will help to talk about it and frees you up from pretending. This is more widespread than most people think. — Linda

You see friends who used to be at or near the top of the food chain off ramped with no clear path back to normal. You see it in their faces. It’s like they have dematerialized.

Most of the women (and men) I worked with who suffered a similar fate never seemed to quite get back to where they were even though they worked as hard as I did and even in the booming tech market. And I pretty much expect every day that this could happen to me again, no matter how hard I work or how many points I put on the board. The worst part is the isolation. This is the first time I have ever let on how bad it was (is), and it still feels extremely risky to do so in a valley rife with swagger. — J

And you know that if it happened to others, it could happen to you. No longer in denial now, you actually begin to contemplate what would happen if the bottom totally fell out. What would you do? How would you survive?

And millions of us aren’t contemplating it—we’re living it.

I am at the 15-year mark of my uphill climb out of my hole. I am living tiny, but it is mine, and I am able to live within my means. — Lesa

Many of us won’t be making the money we’re used to making. For the first time, we will be facing the prospect of significant downward mobility, with our accustomed earnings cut by 20, 30, 40 percent—or more.

I never had to resort to food stamps but was headed that way and am still rattled to the core by that. — Linda

And the truth is that if we lose our jobs in our 50s and 60s, we’re unlikely to be reemployed at the same salaries we had before. This is even true for those whose career choice privilege has, until now, firmly established them in the high five- or six-figure salary range.

READ MORE: Poverty makes financial decisions harder. Behavioral economics can help

Sure, a few of us will manage to find traditional W-2 jobs paying that long bread like before. But many more of us can expect months or even years of unemployment that deplete our savings and shake our confidence.

And when we do work again, we’ll likely do contract work in the gig economy or some part-time jobs in new professions.

I am single, 64, getting Social Security and working whatever jobs I can find that pay the bills. I’m finally in a job I like now, but it has taken years to get to this place. During those years, I worked in factories, in retail and at a gas station, and I did home care. You name it, and I’ve done it. I’m tired of job hopping to survive. — Anita

I drive a school bus, have a class B CDL with a passenger/school-bus endorsement and feel lucky to have a job. I was a music-ed teacher. You gotta lose your pride and get out there and start somewhere. I am 57 and was married to a doctor for 20 years, and I got divorced 16 years ago. Pull up your big-girl pants, and take whatever job(s) you can find. — Mary

Some people start entrepreneurial ventures to try to make ends meet. Whatever we do, we’re looking at a lot less money to live on at least in the short term—and maybe forever.

That’s why a big first step in securing our futures is adopting live-low-to-the-ground mind-set which means that we have to drastically cut our expenses to fit our new income realities.

I know, I know … that sounds easy peasy. You’re thinking, how hard could it really be to live within your new means?

It’s true that reality forces most people to make the needed changes eventually. But that click down from the standard of living that you assumed you’d always have to one that is much more modest is … well, it’s an adjustment. And it’s a big adjustment if you were living large and are now scrambling just to cover the basic necessities.

The real question is can we cut way back and still have good quality of life, still find ways to be connected to who and what we love?

But a downgrade in lifestyle is not hard only for the people who were doing well; it’s hard for everybody. The truth is that most folks just don’t have that much of a cushion. A recent Pew Charitable Trust Survey of American Family Finances found that “the median household does not have enough in liquid savings—money held in checking and savings accounts, unused balances on prepaid cards, and cash saved at home — to replace one month of income.”

And the average family in the lowest income quintile is even worse off, with less than two weeks of financial reserves—or, to be exact, enough to cover about nine days’ worth of expenses.

So as we look into the future, the key question will not be how to tighten our belts or live within our means in the conventional sense. In the new normal of financial insecurity, a lot of us are already doing that.

The real question is can we cut way back and still have good quality of life, still find ways to be connected to who and what we love?

I believe that the short answer is yes. But to have a shot at something other than being old and poor in America, we can’t just do what we’ve always done and be what we’ve always been. The world as we knew it has changed forever. And if we want better futures, we’re going to have to change too.

How Do Your Surroundings Affect Your Creativity and Idea Generation

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Your Surroundings and Your Inventiveness

Do you know what makes you more creative sometimes as opposed to other days? The answer is not easy to figure out. One day you may find you are more creative when working in a cooler place of work and the next day low lighting seems to work best. However, here has been research in his area that can give you some guidelines and a few surprising observations. It was actually shown that your surroundings do have a large impact on your inventiveness levels.

Effect of Noise Levels on Creativity and Inventiveness

Working in silence is not necessarily better for creative thinking. You don’t want your work area to be to silent or extremely loud because creativity will suffer. Instead you need ambient noise levels to help you become more creative and productive. A moderate level of noise can even enhance performance on creative tasks. A study published online by the Journal of Consumer Research showed that 70 decibels may be an optimum noise level. In their noise studies, people were more apt to buy creative products too.

Creativity and Lighting

Studies have also shown that when lighting is dim, creativity is improved. A school of thought believes that stressful feelings can be reduced with lower light as you become free with your thinking. Additional research has shown that people feel free when the lights are dim. Give this a try yourself, Sit in a in a darkened room for five minutes. See if your thoughts and feelings change.

Colors Matter

The ideal colors for improving your creativity are blue and green. One doesn’t need to go to the ocean or daydream looking at the sky, as even a just a picture of the blue sky and green meadows can spur creative thinking. A red surrounding also will help for projects that have a lot of detail needed. Red is a stimulating color that can actually raise the blood pressure of some people and increase adrenaline.

Surprising Thoughts on Creativity and a Cluttered Room.

Some people shine in creativity working in a messy workspace. There are many people who are convinced that a neat organized workspace is best for thinking but are really surprised about the effect of a cluttered area. It is though the clutter in the room draws your attention to new details that you may not have noticed before. In turn this stimulates your creative juices. Another idea stemming from disorganization, is having many photos and collectibles that could spur ideas of memories and even disorganization of these memoirs can cause confusion that can lead to creative thinking. Personalization of your workspace at home may be exactly what you need but an employer may frown on any disorganization.

The Effect of Traveling on Creative Thinking

You may not be surprised to find out that journeying to new places of the world has an amazing effect on brain enhancements. In new nation-states or even parts of your own country, the different experiences of food, music, culture, even geography has a big impact on creativity. Those who study the brain can attest to neural pathways being stimulated by change New tradition is to you, speech patterns, ideas uncommon to you will also get you thinking creatively. More interactions with new cultures and people also add to inventiveness. Immersion of one self into other cultural experiences or activities even can generate new ideas and ingenuity.

If you feel that your idea generation skills are lacking why not try one of the items from above to increase them. You never know what sparks of ideas and ambitions you suddenly become inspired with.

More Baby Boomers Retiring Means More Retirement Community Options

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More people fall into the demographic category of baby boomer than in nay other group. The people who were born starting in 1946 and ending in 1964 have made a huge societal change in the world. And now that the boomers are retiring, the changes are only going to increase in number.

One of the really big and long lasting changes to have taken place in retirement thinking has to do with the choice of where to live after retiring. This used to be a simple thing. You either lived in your home that you had always lived in. Moved in with your kids if you needed some help. Or moved to a nursing home when you needed so much assistance that your family could not help you anymore.

But with the enormous amount of people who are retiring right now, some smart real estate people thought there might be an opportunity here for baby boomers. There are so many people that fall into that age range that it was worth it for companies to take a look at building retirement villages for active adults. With the pretty decent expectation that these would prove to be popular.

Being popular is really an incredible understatement. Senior retirement communities for active adults became the hottest thing to hit the retirement living group since the Beatles landed in New York City. The amount of people that purchase a residence in these communities just increases every year.

Where it used to be that if you wanted to live in a senior community, you had to move to Florida or Arizona, now you can find active retirement communities all over the US. Some people realized that all the retirees would not want to move to Florida, but would like to live in a community full of other people about the same age.

So developers started building senior living communities in every state. If you wanted to, you could even find some of these communities in Alaska. There is so much choice about where to live after retirement that today's baby boomers can literally pick and choose among the communities that suit them the best.

Since many of these new active retirement villages center around an active sport like golf or tennis, if that is something you like to do, you will have a virtually endless number of choices about where you can move. And if you like activities, but are not a golfer, there are plenty of other options for active living retirement communities that you can find on the internet.

The amount of baby boomers retiring is not going to diminish anytime soon, so if you are the type of person who wants to live a fun and active life after you retire, you will be able to find the perfect place for you to live with no trouble at all.

Comparing 25-34 year olds now to 25-34 year olds in 1989 is super depressing

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Now, all of this is pretty bleak, but a lot can be done to rectify the situation as long as we confront some uncomfortable truths.

Like the fact that states need to start reinvesting in higher education. As the report points out, “for the Boomers we measured in 1989, average tuition at 4-year public colleges was $3,454 in today’s dollars.”

The report also suggests:

– Creating two-year certificate programs to prepare people for middle skill jobs that don’t require a four-year college degree. “These jobs are distributed across diverse types of occupations, including sales, health care, information technology, transportation, production, and installation and repair. Our educational system must be re-aligned to connect young people to these opportunities.”

– Encouraging college completion to ensure that more people can pay back their student loans.

– Raising the federal minimum wage.

– Expanding the earned income tax credit to individuals without children. Both President Barack Obama and Paul Ryan have proposed ways to do this.

– Allowing credit agencies to accept rent payment as trade lines on credit reports.

The report also suggests improving financial literacy and creating state-sponsored retirement plans for workers who don’t get them through their employers. Of course, measures like that would likely help all Americans, and we have the ability to invest in them.

It’s just a question of whether or not those in power have the will to do so.

The Generation of Baby Boomers KJV Bible Baptist Preaching

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The Baby Boomer Generation
Sermon preached by Steven Anderson at Faithful Word Baptist Church.
www.faithfulwordbaptist.org

Advantages of Online Classified Ads

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Classified can be defined as a special type of advertisement. Classifieds generally feature some personal information, business information by any company, or the information about any upcoming event. The classified Ads were generally used to publish only in newspaper in past. After that the classified ads were stared to advertise through television or radio. Later the Internet became the medium of publishing classified advertisements.

Now the online aspect of classified advertising is highly praised around the entire globe. This is because of some important advantages like the global nature of Internet, availability of more space to write advertisements properly, better keyword based search option and the user friendliness of the classified websites.

In this article we will discuss some facts about the superiority of online classified advertisements over the printed media classified advertisement. First of all the printed media for classified ads includes likes of newspaper, magazines or the free-ad magazines. If you think rationally then you can find a severe drawback of the classified ads, which are generally published in the daily newspapers. Basically the common people do not have the tendency to read the daily newspaper after its publication date.

So if the classified ad is published in a daily newspaper, then there is every chance that the prospect of that classified advertisement gets rotten after the day of the newspaper publication. Secondly, a particular newspaper is not a global media. The stretch of the availability location of a newspaper is either state level or at most national level. The reader, who has different mother tongue in multilingual countries, does not read even the newspapers of other regional language. So there is every possibility that a large mass got unaware of the published classified ad. But the stretch of Internet is global. Internet users can view the ads of even different countries and the can do what they wish.

For an example, an Indian guy can apply for the job in Hawaii after seeing the online classified ad. Certainly it will not be possible for him to find that particular job in Hawaii, despite being sat in India. Another superiority of online classifieds over the printed media classified ads is the low cost nature of the online classifieds. There are lots of free websites, which provide the facility of posting classified ads free of cost.

You may post as many classified ads of you wish absolutely free. There also some paid classified websites with better moderation quality, which provide you the facility of posting your own classified ads in exchange of some money. But the cost of publishing classified ad in a print media seems to be greater. There you have to pay in cost per column basis. So the expanse rises. The online classified websites also providing more space to write the ad and the fonts are bigger and more readable in websites than the print media.

The downfall of the classified section of print media started after the introduction of television and radio. After the introduction of Internet it seems the classified websites are becoming the front-runner in the field of classified advertisements.

Oldest Baby Boomers to begin mandatory withdrawals from 401(K)s, IRAs

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The Brewer Group CEO Amb. Jack Brewer on the government requiring withdrawals from 401(K)s and IRAs at age 70.5 and how investors should allocate their investments in this market environment.