

| Boomer
Advice:
The Four Fundamentals of Credit Card
Debt Credit card debt is not a
topic most people like to talk about. Probably because it makes them
face just how serious their credit card debt has become. Whether you
have five-thousand dollars of credit card debt or five hundred,
there are some "rules" to live by that can make your financial life
easier... read more |
Boomer Nostalgia:
The Day the Music Died is the term often used to describe
a plane crash that took place on February 3, 1959 in Iowa. One of the biggest
musical tragedies in history, this crash killed Buddy Holly, Ritchie Valens,
J.P. Richardson (The Big Bopper), and Roger Peterson, the pilot...
read more |


Handy Tip:
Boomer Travel Advice
Your travel itinerary should be part of a careful process. Plan a holiday with
plenty of 'you' time. You should finish every vacation feeling relaxed and
rejuvenated.
Baby Boomers are generally quite fit when compared to our ancestors. However,
increasing numbers of obese or overweight adults are plagued with bad backs,
high cholesterol levels, and fragile knee joints...
read more |


Boomer Outlook:
An Uncertain Future The generation that raised hell during the
Vietnam War, pushed civil rights and feminism, and redefined
education and all of society isn't about to sit in a nursing home
and crochet doilies. I don't know what is facing the baby boomer
generation as we age, but it will probably be noisy, it will
probably be revolutionary, and it may change the treatment of the
elderly for decades to come...
read more |
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Are you eating right? Are you living
right? Do you want to live forever? (Or for quite a few more years anyway)
We've got some helpful advice and
information that we hope you can use. |
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Whether the subject is Affordable Health Care Insurance
for Seniors and Baby Boomers or Nursing Homes, Mental Health, and basic
Healthcare issues for Senior Citizens... here are some excellent articles on how to take care of yourself so that you
can live a long and vibrant life.
Stay Healthy To Retire Healthy
Affordable Health Care Supplemental Insurance For Seniors
Quitting Smoking - Why Honesty Is The
Best Policy
Baby Boomer Health
Five Important Tips For Great Dental
Health
Take Control of Your Aging Health
How Do I know If I'm Going Deaf?
The Top Five Reasons Why You Should Know More
About Long Term Care
Stay Healthy To Retire Healthy
By: John Hartley
You may be saving for retirement, but not sure whether you
will live long enough to retire. What a waste of your money!
To keep healthy you need a plan. Not just any plan, but a
health plan. One that involves a healthy diet and exercise. If you have a
family, the plan should include everyone, not just you. You need to exercise,
and to eat healthily.
If you do exercise routines - it could be cycling or
another activity - then each person will help the other. And you know everyone
is getting some exercise - no slacking. Children will exercise so long as the
exercise is interesting - make it a game, or roller skating, or football or
whatever - but make sure it is fun and goes on long enough to be real exercise.
How long? Well, if it is true aerobic exercise, raising
the heartbeat by about 40%, 10 minutes is enough. If it is lighter exercise you
will need at least 30 minutes - or 2 hours a week.
What about food? Don't eat junk food like McDonalds or KFC
- and don't allow your children do so, either. They are full of fat. Now some
fat is good and some is bad but they have lots of saturated fat - that's bad and
puts the weight on in no time. On the other hand, olive oil, nuts and seeds are
among the foods that have plenty of the good fats, the sort your body needs to
keep going.
To improve your diet, eat less red meat and chicken and
more fish, nuts, seeds pulses - these are beans mostly. Also, eat plenty of
fruit and vegetables. And make it part of your plan. Cookies? Throw them in the
bin now, and learn to make tasty alternatives.
As you get closer to retirement, you will need to eat less
because you are not burning up the calories. The way to do this is more of the
same - don't eat red meat, and do eat more pulses, while grains, vegetables and
fruit.
With a plan like this you will enjoy your retirement.
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Affordable Health Care Supplemental Insurance For Seniors
By: Greg Haehl
By the time seniors are considered “seniors,” they usually
have a nice little retirement nest as well as health and life insurance policies
to fall back on. Maybe they are widows or widowers who have pension plans from
their deceased spouses. Of course, this is the ideal situation for the senior.
Many seniors in American do not have enough health care
insurance to adequately cover their medical needs and prescription drug
medications. This is where health care supplemental health care insurance for
seniors comes into play, and aside from Medicaid and Medicare, there are ways to
get affordable health care supplemental insurance for seniors.
Consider these four tips when looking into affordable
health care supplemental insurance for seniors:
Those who join at an early age get the best rates.
However, that doesn’t mean seniors aren’t eligible. Actually, seniors are
probably the most common health care supplemental insurance policyholders.
Don’t lie about your current health condition. Stretching
the truth may seem like a way to get more affordable rates for your health care
supplemental insurance, and yes, it’s true that premiums are usually based on
past and current health conditions, but lying will always catch up with you in
the end, especially if there comes a time when you need that supplemental
insurance and the insurance company refuses to pay because you gave false
information when applying.
Think of any groups or associations to which you belong.
These organizations may be able to help you obtain affordable health care
supplemental insurance for seniors.
Once you have a plan, stick to it. You may end up
purchasing a health care supplemental insurance plan for seniors that doesn’t
quite fit your needs or your budget. That doesn’t change the fact that you need
supplemental insurance, though. Stick to it until you’ve found a better, more
affordable health care supplemental insurance for seniors. In other words, never
cancel until you have a back-up plan.
For more information visit:
www.ezquoteguide.com/health
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Quitting Smoking - Why Honesty Is The Best Policy
By: Eileen Gravelle
When you think about the fact that about half of those who
quit smoking return to it at some point, and even those who haven't smoked for
years still get the odd craving - it's not difficult to understand why staying
off the weed can be harder than quitting smoking in the first place.
Nonetheless - if you're really serious about looking good
as you get older and want to make sure your skin stays supple and toned - stay
off the weed you must!
Without a doubt, the first two weeks after you quit
smoking are when you're at your most vulnerable so don't be shy about seeking
help during this difficult time. But remember – just because you don’t succeed
in quitting smoking the first time you try definitely does not mean you're a
failure as a human being.
Nicotine is a strong drug and it may take several attempts
before you successfully quit smoking.
Feeling a failure can be one of the reasons a temporary
lapse becomes a more or less permanent return to being a smoker. "Well you've
gone and done it now" – you say to yourself - "you may as well have another
one". No doubt about it - if you're a smoker trying to quit you are up against a
whole army of obstacles that could so easily trip you up.
Withdrawal from the nicotine hit is one of the major
reasons for failure to quit smoking but sheer force of habit plays a major role.
Even years after quitting, ex-smokers can find themselves in a situation where
they would once have smoked and without even giving a thought to what they're
doing, they reach out, take a cigarette from a friend's pack and light up.
Of course, if there are no regular smokers in your
immediate social circle, quitting will be much easier. Research shows that
failure to quit smoking is also more likely if:
• you're a woman (nicotine dependency is stronger for
female smokers)
• you were a heavy smoker
• you've been smoking for a long time
• when you smoke you inhale deeply
• you experience severe withdrawal symptoms
Tests have also shown that those of us who cheat during
the first six months after quitting smoking - even if it's just a few puffs on a
cigarette - are highly likely to be smoking again by the end of those six
months.
In contrast, those who don't cheat - who are honest about
their lapses - are most likely to still be cigarette free after six months.
So - if you really want to quit smoking then be totally
honest with yourself. If you have a lapse, admit it and resume your quit smoking
program immediately. Start your count of smoke-free days from when you resume.
But don't beat yourself up either just because you gave in
to the craving. You're human after all and it doesn't represent the end of your
efforts to quit smoking - it's simply part of your journey to get there.
Remind yourself of all the reasons you want and need to
give up. Think of the way you'll look if you carry on smoking. Think of the
damage smoking is doing to your looks and the aging effects of smoking on your
skin. Talk to someone about your temporary lapse - that way you're not fooling
anyone - least of all yourself.
Remember successful quitters are honest about their
progress - with themselves and with the people helping them to quit. Successful
quitters don't use a temporary lapse as a reason to start smoking again.
So do yourself a favor - stay honest, resolve to quit and
you will.
About the Author: Eileen Gravelle is an author and web publisher who writes
extensively on health, beauty and fitness. Her website
www.simplyantiaging.com offers a
complete anti-aging resource for women in their forties and beyond who want to
look younger and feel great about themselves as they get older
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Baby Boomer Health
By BoomJBaby boomer health
is a big issue for today's seniors. Fortunately the focus isn't so
much on which of the many ailments people will be stricken with and
how soon. With all of the advances that have been made in the field
of medical science, people are living longer and they're spending
their later years healthier, too. That's why much of the talk about
Baby boomer health revolves around keeping mentally and physically
fit.
Perhaps that's because the one thing that has
set the Baby boomer generation apart since its beginning has been
the focus on the self. As this generation grows older past behaviors
that may have been considered selfish or self-indulgent are being
replaced with behavior that's focused on self-preservation. And
that's a truly beneficial change, especially when you consider the
impact that this generation has had on trends.
Which senior health issues matter most?
With a lifetime of focusing on the self, today's Baby boomers place
much emphasis on maintaining a youthful appearance. Fortunately they
are smart enough to understand that looking and feeling good are
totally within their control. That may even explain why so many
older people have finally started replacing their bad habits with
good ones such as regular exercise and a healthy diet. Eating right
and exercising can help the body perform optimally and perhaps even
more importantly, it may help reduce or eliminate the need for
costly prescription medication.
Another Baby boomer health issue that has
grown enormously popular is anti-aging. Baby boomers realize that
they cannot stop the clock from ticking but they're also not willing
to sit back and do nothing about it either. That quest for eternal
youth is what's fueling the market for new products that promise to
stop or reverse the effects of aging. Baby boomers are buying up
nutritional supplements, creams, lotions, ointments, elixirs, spa
treatments and more almost as fast as these products come to market.
It's a billion-dollar industry that shows no signs of slowing.
Baby boomers know too that many of their worn
out body parts can be replaced, but unfortunately the costs of
replacement surgery is high. Interestingly, figuring out how they're
going to afford to pay for all of the surgeries, the prescription
medications and the anti-aging products that they've been led to
believe they need is another of the big Baby boomer health issues
seniors are facing. It's easy to lose track of the fact that the
quest for eternal youth and longevity is coming at a very high cost
for many.
What's the answer?
While science and technology can do a lot to enhance Baby boomer
health, there's a lot you can do without having to resort to such
extreme and expensive measures. For example, you can reap tremendous
rewards just by making the right choices when it comes to diet and
exercise. But even protecting yourself against the sun's damaging
rays, quitting smoking and reducing stress can takes years off your
appearance. So don't wait any longer. Start taking better care of
yourself today!
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Five Important Tips For Great Dental Health
By Dr. Gerard DiFuscoDental
health is an important part of everyone's lives. We receive
nourishment from food that must pass first through our mouths. A
healthy mouth can mean a healthy person in many ways. However, every
mouth is different. There is no exact set of rules that everyone can
follow to get the same results. Depending on what food you eat, what
medicine you take, what genes you were born with, and your oral
hygiene, your mouth can greatly differ from someone else's. This is
why it is very difficult for some to take care of their mouth, while
it may be very easy for you.
We probably all know of someone who brushes
three times a day, flosses regularly, but still have cavities when
they go to the dentist. You may be lucky enough that you only brush
once a day and you always have a good checkup. Developing a routine
that works for you is essential to your dental health. Here are five
important tips that if followed, can result in great dental health.
1. Visit your dentist regularly. Depending on
what problems you've experienced with your teeth in the past,
'regularly' can vary. You may need to see your dentist every three
months or so if you have to have your plaque and tartar cleaned out
in the case of periodontitis. If you've never experience dental
issues you may only need to go in every 6 months for a preventative
checkup and cleaning. Consult with your dentist while there about a
proper routine for your situation. Your dentist should be able to
tell you what is best for your mouth. After all, they do see every
angle of it during a checkup.
Some problems that your dentist will take into consideration are
medications, if you sleep with your mouth open, if you grind your
teeth while sleeping, or experience any other sleep conditions, etc.
If you're on medication, there's a chance that you experience
dry-mouth. This condition affects your dental health greatly. If you
sleep with your mouth open, you're more likely to develop
gingivitis. Many people have sleep conditions that only allow them
to breathe through their mouth. All of these factors must be taken
into consideration when formulating a routine for your mouth. Your
dentist can help you sort through all of these things and find a
plan that works for you.
2. Your diet also has a great deal to do with
how healthy your teeth are. Sugar in any form, including brown sugar
and the natural sugars found in fruit and dairy products, is a
tooth's worst enemy. Starchy foods are also suspect and should be
eaten only as part of a meal. Foods such as raisins and other dried
fruits tend to stick to the teeth, enhancing the conditions for
destructive acids. Hard candies, breath mints and cough drops also
stay in the mouth longer than other foods. The more often you snack,
the greater your risk for hosting enamel-destroying acids. If you
tend to eat a lot of sweets, you obviously will need to take better
care of your teeth than someone who doesn't.
Eating a healthy diet will help to ensure healthy teeth and gums.
Some foods may actually help counter tooth decay. Research has shown
that peanuts and aged cheddar, Swiss and Monterey Jack cheeses may
actually inhibit or neutralize the acids that cause cavities.
However, healthy teeth and gums depend greatly on the types of foods
you eat, how often and the length of time the foods remain in your
mouth.
3. Between visits to your dentist, you should
inspect your mouth. You are, or should be the expert on your mouth.
You see it and deal with it on a regular basis. Stay aware of what
is going on in order to take any steps to prevent problems. Be on
the lookout for several things such as chipped teeth, sores or cuts
on the gums or tongue, discoloration of the teeth or any type of
pain. If any of these signs show up, you should consult your dentist
to see what they recommend.
4. Brushing and flossing your teeth frequently
is a must. Brushing three times a day is ideal, but two times is
sufficient. You should also floss everyday.
Find a toothbrush that has the American Dental Association (ADA)
stamp of approval (found on the package). It should also be labeled
"soft" and have round-ended bristles, which means it's sturdy enough
to clean teeth and stimulate gums, but not scour them. An electric
toothbrush may help those who have difficulty brushing their teeth,
although it's not proven to clean better than a regular toothbrush.
Additionally, replace your toothbrush every two to three months to
keep it in good shape to do its job.
As for floss, it is really a personal preference what you use, so
long as you use it correctly and regularly. If you find floss
difficult to work with, consider using a floss holder or specially
designed pick.
5. Another good activity to engage in is using
fluoride. Fluoride helps teeth retain calcium, which keeps them
strong and slows the production of acids that attack teeth. This is
great for your teeth and can be found in toothpastes and mouthwash.
After brushing and flossing, use mouthwash to finish it off.
With these steps, you, too, can have great dental health.
About the Author: Dr. Gerard DiFusco, DDS, is
a leading dentist in Webster, New York. Dr. DiFusco specializes in
Webster Smile Makeovers, Dental Implants and Sedation Dentistry. For
more information visit the
Webster Dental Center
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Take Control of Your Aging Health
by: Marge Pickering Picone
When you become an aging baby boomer the last thing you want to
experience is the side effects. The stiff joints, aching low back,
fatigue and memory problems starting to creep up out of no where.
The ability to multi task is slowly diminishing. The ease of bending
to put on your socks and shoes and forget women's pantyhose is a
distant memory. You look in the mirror and wonder how you got here.
So stop right there. Take back control of your
life. Some think it is easier said than done. Not so, take it one
step at a time. Health over fifty becomes your own personal
responsibility. What you eat is just as important (if not more) now
than twenty years ago. Just because you strayed from eating properly
until now doesn't mean you should give up and just rely on medicine.
You can find better ways to eat, exercise for your ability and
eliminate some of those bad habits. Turn your life into a new hobby
and put the failure thoughts out in the trash.
Instead of trying to tackle all aspects of
your life, try one step in each category per week and let your
motivation to succeed take over. Each week do one more positive
thing to improve the enjoyment of the age you are. If you sit and
whine about where you used to be those moments of now will pass you
by. You're not going to get younger in chronological aging but you
can get more youthful in your movements, looks, thoughts and health
issues. Here are 10 Simple steps you can do starting today.
1. Park your car 3 spaces farther away than
you do now and walk.
2. Eat fish 1 more meal per week than you do already.
3. Do stretching exercises or yoga (lots of discomfort feels like
bone but is tight muscles.)
4. Add 2 glasses of water per day to get closer to your needed body
amount of at least 8 - 8 ounce glasses per day.
5. Eliminate the starch from one meal of your diet and exchange it
for vegetables and fruits.
6. Drink 1 less alcoholic drink than you normally do.
7. Lower your cigarette smoking by 1 cigarette less each day until
you can quit.
8. Forgive yourself or someone else of a wrongful deed.
9. Compliment yourself for doing 5 positive things for yourself each
day before bed.
10. Get to bed at a decent time to achieve 7 to 8 hours of
sleep....late shows on TV can wait for weekends or use the recorder
to watch at a better hour.
Health over fifty does not need to be a chore.
Do something to improve your life. Smile at the reflection in the
mirror and you will start to smile at others as well. Your life
isn't just about everyone else and their needs. Your health,
youthfulness, flexibility and quality is about you and what you are
willing to do for the most important person in your life...you.
Enjoy!
About the Author: Marge Pickering-Picone is a
Nutrition Consultant for Professional Nutrition Services of
Rochester.
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How Do I know If I'm Going Deaf?
by David FaulknerIn order to
prevent further damage it's crucial that you are able to recognize
any of the signs of hearing loss. If you notice any of these signs
then it's important to immediately see a doctor, putting it off
could result in the condition getting worse.
You need to know that hearing loss occurs
gradually, and by the time you realize that something is seriously
wrong the damage is already done. Carefully read the following
hearing loss symptoms and seek medical advice if you think you
experience these symptoms, or spend a long time in these high risk
environments:
- People working in factories and refineries
are more exposed to high levels of noise than others. If you have
been spending a long time in these sorts of locations without
wearing any form of ear protection, such as earplugs, then you have
a much higher risk of developing hearing problems than somebody who
hasn't worked in a noisy environment. This is equally true for
people who like to spend a lot of time listening to loud rock music,
especially in concerts and when wearing headphones.
- If you are spending a lot of time straining
your ears to hear what others say, or asking them to repeat what
they said over and over, then you could be in trouble. This
condition also causes irritability and stress. If you have lately
been told by many people that you watch television with a
disturbingly high volume, this could also be a sign that your
hearing isn't as good as it once was.
- Elderly people often claim that their
hearing is perfect, just that the problems are caused because other
people talk too quietly. If they don't hear things properly, they
just misinterpret what others say rather than asking them to repeat.
- Not being able to properly hear what is
being said. If you are unable to hear what a person is saying when
you can't see their face then this could be because you have learnt
to lip read without being aware of it. If you can watch TV, but
can't listen to the radio, this is an indicating factor.
- If you have a family history of hearing
loss, you should also arrange for regular check-ups with an
audiologist. Some forms of hearing loss are hereditary and so could
be transferred from parents to offspring.
- People belonging to the baby boomer
generation are more likely to develop hearing loss in their 50's or
60's than many of the earlier generations.
- If you have diabetes, a heart problem, a
thyroid problem or any circulation problems, then you are more
exposed to hearing loss than other people. In addition to this, if
your ears get infected more than often and you always have
irritation, swelling or bleeding in the ears, you might be a victim
of hearing loss.
Hearing loss is not always curable, especially
if it has been ignored for a long time. It can be embarrassing to go
out in social gatherings when you are unable to properly comprehend
what others are talking about. So it's about time you go to see a
medical specialist to get your condition looked at.
You can also find more information at
FirstHearingAids.com,
a comprehensive resource for people suffering from hearing loss.
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The Top Five Reasons Why You Should Know More
About Long Term Care
by: Duane Lipham, CLTCThere
is major trouble heading for the American economy in the next few
years in the field of health care, but not necessarily from the area
that most people expect. Although there are serious problems with
our health care system in general, the field of long term care has
the potential to be the most damaging and troublesome of all. Here
are the reasons why:
1. We are all just simply living longer these
days. Initially, that sounds like a great thing, and it is in many
ways. Modern medical science coupled with knowledge of how to better
care for ourselves through diet and exercise have given us the gift
of prolonged life. As a result, the fastest growing segment of the
American population today is those over eighty years of age.
2. It is precisely because of these added
years of life that many of us will need more care before we die. It
means that fewer of us will be dying from sudden illness that killed
our parents and grandparents. However, when you live longer your
body wears out and we die slower, which means that we will need much
more custodial care than did our parents and grandparents. Many
people try to make an educated guess about their own lifespan and
cause of death by looking back at what has happened to members of
their family in the past. Unfortunately, this generation cannot use
that measuring stick as an accurate prediction of their own need for
health care because what was true about aging 25 - 50 years ago is
simply not applicable to us today.
3. The baby "boomer generation" will soon
become the "senior boomer" generation. One third of all Americans
alive today were born between 1946 and 1964, and they are
affectionately known as the "baby boomers". They have gone through
American history and had a major impact on almost every industry as
they have aged. Now they will begin retiring in the next five years
or so, and the health care industry in it's current form is simply
unable to cope with such huge numbers of Americans needing care.
Costs for facility care is reaching $70,000 per year in many areas
and that figure is rising at more than 5% annually, which means that
it should double within the next fifteen years or so.
4. Government programs such as Medicare and
Medicaid are already stretched thin in their ability to pay for care
for the current crop of seniors. In fact, we are already spending
44% of the federal budget on Social Security, Medicare and Medicaid,
and if we do nothing the U.S. Comptroller general predicts that
these three programs will consume nearly 75% of the budget each year
by 2030. Obviously, this kind of expenditure on the part of the
federal and state governments is simply unsustainable.
5. There is an appalling lack of education and
appreciation about the risks and challenges presented by long term
care among the general U.S. population, especially seniors. Very few
of them have made any reasonable preparation for their own long term
care if it should be needed later on. Because it is an issue that
few want to think about, they often tend to procrastinate making any
meaningful decisions on the subject and that in itself is a decision
to set themselves up for financial and emotional catastrophe should
the need for long term care arise.
Because of the reasons listed above, it should
be obvious to any reasonable person that long term care issues are a
runaway train heading for the American economy within a relatively
short period of time unless steps are taken soon on the part of both
the federal and state governments and the American public to plan
more effectively. We all need to bring more attention to these
issues in our own communities and sound the alarm while there is
still time.
About the Author: Duane Lipham is a Certified
Long Term Care (CLTC) consultant. You can get more free information,
news and articles regarding long term care and aging at:
The Long Term Care
Consumer Guide
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