We baby boomers are turning age 70!! Can you believe it?
Boomers have never been this old. How do you act when you are 70? I submit, just like we did in our 60’s. No, not the 1960’s, even though I think that would be fun. Nothing has really changed by turning 70, right?
Well yes, a few things are changing. Not over night, but there are signs.
If you have delayed taking your social security, now finally you get to take your full social security check that has been growing. We thought this day would never come. Wow, that is going to be nice and well needed for many of us.
Also at age 70 1/2 we must take our RMD, required minimum distributions from our IRA’s.
So we start drawing our social security benefit and we must start taking annual distributions from our IRAs almost at the same time. Well I think most of us at age 70 are ready for both and have no disagreements with those requirements.
Many boomers vowed never to retire or they couldn’t retire. Guess what, many were forced into retirement because of health reasons or maybe a job layoff.
If you retired in your 60s, then most likely you are now comfortable with your retirement. You have a comfortable routine and do the things you would like to do with your time. Many boomers that are retired, love spending time with their grand children. Some even move across the country to be closer to them.
Around this time (age 70) we or our spouses are dealing with some critical illnesses of some sort, be it diabetes, a stroke, heart attack, mobility problems etc. and we are most likely making room on our schedules for doctor visits.
Most likely a few of our friends have dementia problems starting or maybe advanced. We have two close friends in that boat.
A friend or two most likely has already lost their long time spouse to death.
More than a few of our high school or college school mates have died.
We spend some time on our medicare insurance don’t we. Donut holes and open enrollments we know well.
Having been involved in recent years with a senior center and now living in a Del Webb Active Adult Community, I have a lot of friends that are in their 70s, thus are older than us older boomers. Encouragingly lots of them are active, like to travel, have sharp minds and love to socialize.
We will be travelling through out our 70’s and dare I say 80’s. If we have the means, we don’t mind spending it on travel.
It is Easter Sunday. I awakened in the middle of the day after working the night shift. There is much to be grateful for and I give thanks. It is raining. Sweetie, my dog needs to go outside to do her thing. We walk out for a short stroll. My eyes look up at the clouds in the sky. The apartments around me appear quiet. It is not a hard rain , just a mist. I look over to a huge tree in the backyard of a house within eyes glance. The tree stands sturdy and strong. I remember that yard from forty- one years ago. At that time there was no tree. There was no grass. The house that sits there now, had just been built in a new subdivision in St. Charles County, Missouri. There was farm land all around. The rumor was that someday the area would be a beautiful city. The earth was hard clay dirt. Who would have thought that a tree could have grown that beautiful in the red clay. Who would have thought that this small town would develop into such a rich and prosperous city. The rumor became reality. As Sweetie and I walked back into my apartment, I remembered how proud my first husband and I were when we had that house built back in the 60’s.
The passed few days of events in St. Louis have brought about many thoughts. Some are of the past and some in the present. A tornado hit St. Louis Friday night. It passed over my neighborhood as Sweetie and I took cover in the bathroom of my one bedroom apartment. It hit the St. Louis airport where I use to work. The storms hit the surrounding areas of Maryland Heights, St. Ann, Bridgeton and Berkley. Even though there was huge damage done, no lives were lost. That was a miracle! The storm was also in Granite City, Illinois. In my life time I have lived or owned a house in each of these areas. I looked at the pictures today of the homes that have been destroyed and damaged in in my old neighborhoods. My heart goes out to the folks this Easter week end as they pull their lives back together. I remember the tornado of 1967. I lived in the same area. It missed the house that I lived in and took down others on my street.
As I write this story, I wonder how it will be for my grandchildren forty years from now as they remember this city in St. Charles. What stories will they have to share with their children on an Easter Sunday? Will they tell my great grandchildren about my retirement years and my life? What will be sitting in the back yard of their first home?
At this moment, no matter where you, a story is taking place on this day to be remembered and shared. I hope that each of you are finding peace from within as the journey of life goes on. Neighborhoods will be rebuilt. There is no price tag on what is in the heart or a life! Boomers are like the sturdy oak tree. We stand strong! May the sun shine in each heart as we tell our stories.
The ABC’S For Living The Baby Boomer Years lays out the full deck and everything you need to know is covered.
As a member of the Baby Boomer Generation, I find that I must keep things as simple as possible. Most of us have a lot on our plate. Folks make resolutions at New Years. This year I decided to just make a simple ABC list that I can refer to through out the years to come. So many times resolutions are broken. At times they can even be stressful if we think about them too much. Hopefully this list can be helpful to you as you continue your journey into your retirement years.
A. Avoid anxietyas much as possible. It causes stress and takes joy out of living. Beware of anger. It zaps healthy energy that you need to use on more important things. Feel it if you must, then let anger go.
B. Be thoughtful. You have the wisdom, so show it. Believe in yourself. You can do it. Show your inner beauty because that is what counts.
C. Have courage. It takes courage to live a good life today. Baby boomers have gone through many years of change.Create and keep your mind active. There are many activities at adult learning centers and Senior Citizens Centers that may interest you.
D. Remove doubt from your mind. Dream and work toward making your dream come true. Hang on to hope. If you are dreaming about small town retirement, start now to check out different towns. Most important, just make your dreams pleasant. Make believe that you are floating on a cloud or vacationing in a special place. De Stress!
E. Encourage others. Many folks need encouragement that are in assisted living facilities, nursing homes, and even some may live next door to you. When you encourage others, joy will come into your own life. Exercise to stay fit. Exercise also helps one deal with depression, arthritis and many other things that are baby boomer health issues.
F. Have fun.There are many baby boomer entertainment and games that can be found on line. Enjoy a sun rise. Having fun can be done alone or in groups. It is up to you to find our what you truly enjoy.
G. Give! Baby boomers are giving to their grandchildren, children, and other relatives. Make sure that you take time to give to yourself. You have earned it. You deserve it. Treat yourself to something good when you need it. Keep your cup full as the old saying goes. Always be gentle and gracious.
H. Ask for help if you need it. Take care of your health. The healthier you are the happier you will be. Remember health is in four parts, physical, mental, emotional and spiritual. Keep a healthy balance. Balance can be achieved by striving to keep a positive attitude.
I. Act as If. There may be days when you feel like giving up. Those are days that you can act as if, so negative thinking does not take over your life. Remember that you are NOT inferior.
J. Jump for joy if you feel like it. Act silly. Let your enter child play.Join a group. Jog if you can. Just enjoy the journey. Reframe from jealousy. Be joyous!
K. Keep trying. Don’t quit. Practice kindness. Remember to be kind to yourself too.
L. Live,love, laugh and learn. These four L’s are free. Take advantage of them in your Baby Boomer retirement years. Even if you are still working, it is still possible to practice the four L’s. Practice to improve your listening skills. People enjoy being around a good listener.
M. For some boomers it might be a time to look for a mate. There are many single senior dating sites. Just get out and about when you can. Who knows when that special someone might enter your life. If you have a mate work on finding new ways to enjoy each other. March with a band if that is your desire.
N. Be nice. You are responsible for you, not others. It doesn’t take any more effort to be nice than it takes to have a nasty attitude. Let others be as they want to be. You deserve a good night of sleep. It is much easier to lay your head on your pillow at night after being nice. Find a new niche in life.
O. Keep and open mind. Narrow minded thinking gets a person no place.. Open your mind in order to grow in acceptance. Be open to new ideas. Share them! Openness leads to better communication with your family and friends.
P. Practice being Positive!You will be much happier and those around you will be happier too. Pace. Pacing is much healthier for your heart that rushing all the time.
Q.Learn to enjoy quietness.Quiet time can be a time for reflection and peace. Be so quiet that you can actually enjoy the sounds of nature. We baby boomers have been busy so it is time to enjoy our quiet time.
R. Relax! Enjoy your retirement age years. Listen to music, take a walk,sing a song, run naked in your house if you choose. Read a good book. Rest. The Baby Boomer generation has earned R & R. Now find the time to treat yourself and do it! Face reality. The time is now!
S. Be responsible with your money. Save when you can. It is okay to be a frugal Boomer. If does not mean that you are cheap, just smart. After all we boomers earned our wisdom, so let’s use it. Maybe you would like to do service work. There are many opportunities and places to volunteer. Practice safety.
T. Trust but know how far to go with it. If it does not feel comfortable, step back a bit. then try again. Learn to trust your own judgement. It is your life. Lead by example. It is a great way to teach others if they choose to notice.
U. Usecommon sense. Over thinking every issue or trying to control other’s is a waste of your valuable time. Be useful and understanding. Never under estimate the good things that you can bring to life.
V. Venture out into the unknown. Experience life. Think outside of the box. Do something that you have always wanted to do. It is time. Go for it! Visit that friend that you have not seen in years.
W. Write because it is healthy, fun, and a way to release many things from your mind. Writing is a way of sharing with others too.
X. OK, so this is a difficult letter. Challenge yourself. Look up Generation X and see what they are all about.
Y. Say yes to love and happiness every time that you get the chance. Your life is yours. Do not waste a single minute of it.
Z. Keep your zest for living! Keep it simple! Make the best of your Baby Boomer years!
There you have it. The ABC’s for living the baby boomer years. I bet that you can add many other things to each letter. Please share a letter and an idea with us. What do you have to contribute to the ABC’s for living the baby boomer years?
Daily Deals and Group Buying- 2 Excellent Ways for Baby Boomers to Save Money
In the last few years, “daily deals” and “group buying” sites such as Groupon and Living Social have become all the rage so much so that Groupon recently turned down an offer to be purchased by Google for approximately $6 Billion! That’s Billion with a B! The basic idea behind theses sites is that they offer a deal such as some Karate classes that retail for $50 and sell them for $25. Some other common deals include deals on massages, food, entertainment, hair salons, and the like. If enough people purchase the coupon (or Groupon in the case of Groupon.com) then it becomes valid and drives a surge of business to the retailer while offering the customer a stellar deal (minimum of 50% off). This encourages people to share the the deal with their friends which is why these sites have taken the internet and shopping world by storm.
What makes these sites so popular and fun is that it’s a mystery what the next daily deal will be. It’s also free to sign up to receive the daily deals so the sites grow pretty quickly. Buying the daily deal once you receive the email is as simple as a few clicks of the mouse. Sometimes the daily deals are for online stores where you use the coupon as a code in the shopping cart.
These sites have sort of changed the “Sunday Coupon” section as a way to buy. With more and more people on their smart phones accessing the internet, the popularity of finding businesses based on people buying coupons will only grow in the years to come.
1. Recently, someone purchased a little two day getaway on Living Social for half the price. What was awesome about this deal was that it included a lot of upgrades for the room, free breakfast, and a $50 room credit which paid for dinner at the resort’s fine dining establishment. Living Social has a weekly travel deal called “Living Social Escapes” which showcases regional vacation destinations based on where you’ve signed up for. This is a great way to find a killer deal on a last minute vacation and usually the deal will allow you to book the reservation after purchasing the coupon at a future date that’s convenient for you.
I’ve signed up for several of the group buying sites, although Groupon is the one I buy the most from. Here’s a run down on them:
2. Eversave – sign up and you’ll receive a $5 credit. Also offers a related coupon website for checking out coupons and printing them. Eversave has multiple offers per day and allows you to purchase the “daily deal” after the day it’s offered.
Eversave usually has more deals than Groupon offers.
3. Groupon – Groupon started the “group buying” craze back in 2008 when it launched. Currently in over 91 cites and 23 countries, it’s growing rapidly and has attracted plenty of venture capital money and potential takeover offers. While most deals are for food, salons, and sports events, there are usually deals for nearby cities as well so the potential offerings are getting more varied. They’re also in the process of adding multi-day deals for some “Groupons” (as the daily deals are called).
4. Seize the Deal – Some of their recent daily group buys include massages, tickets to the Nutcracker ballet, restaurant deals and tickets to the Texas Motor Speedway. Some of their deals are up for several days before closing. I haven’t purchased anything from this one yet but I like seeing what they offer every day.
Living Social is the main competitor to Groupon in the group buying space. In 2010, they grew rapidly by hiring new staff members by the hundreds. These salespeople fan out over their respective cities and find local businesses and focus on fun and exciting deals. They don’t allow just any business so they have a much more selective process for choosing deals. They also have the “Living Social Escapes” which are weekly vacation deals. I’ve purchased one as stated earlier and they’re spectacular. The purchasing process is easy and the site is attractive.
The structure of these sites is pretty similar in that you receive an email then click to a page which details what exactly the coupon gives you, the cost, details, etc. Since you sign up for an account, you can store all your daily deal purchases in the site as well as choose when you’d like to use them. Printing them is a breeze with just a few clicks of your mouse. It’s also possible to purchase these daily deal coupons for friends and family as a gift.
Everyone is into saving money with the economy still in taters and unemployment being so high. Group buying sites are a great way to shop, explore new businesses, and find great deals on things you’d be buying anyway. Daily Deals are hot. This space will continue to evolve and has already changed online shopping forever.
We are not going to create our own list of the top places to which boomers retire; we are just going to give you links and descriptions to find the list(s) that you may view as most helpful. We have done the searching for you
Search engines seem to love “Top 10” and “Best of” articles. There are so many lists of “best places to retire” out on the internet these days, how can you know which are trustworthy, or what basis they use for selecting “the best”? Here, we are doing something different: We are not going to create our own list of the top places to which boomers retire; we are just going to give you links and descriptions to find the list(s) that you may view as most helpful. We have done the searching for you, and read through many of the sites claiming to know the best places to spend your golden years. Here are five of the most current and well thought out of all we reviewed.
1) Best Places to Retire – US News (http://money.usnews.com/money/retirement/best-places-to-retire): This “best places” site is actually a collection of lists. Do you want to know the 10 sunniest places in the US? Or perhaps the 10 Best Places for Wealthy Retirees? You can find a wealth of information no matter what specifics you are using to narrow down your search.
2) The 25 Best Places to Retire in 2013 – Forbes (http://www.forbes.com/pictures/mjf45glmi/time-for-a-move): We really like this site for a couple of reasons. First, it is absolutely current. Second, Forbes did their homework. They crunched data on more than 400 cities from every state in the nation. They used a formula including costs of living, tax structures, crime rates, availability of doctors, and recreational activities (good biking and walking trails, high levels of community volunteering). They also took into account the Milken Institute’s “Best Cities for Successful Aging” report, which even looks at such details as local investments in public and senior transportation. If you are someone who likes a lot of information and wants to know just where it comes from, this is a great “best of” list for you, in a convenient slideshow format.
3) 10 Surprisingly Best States for Retirement – Bankrate.com (http://www.bankrate.com/finance/retirement/best-states-for-retirement.aspx#slide=1): This list – also a collection of slides – is for those who may want something different from the obvious Sunbelt retirement areas. Bankrate does not assume that when boomers retire, they all want warm climates and typical retirement communities. This list is 10 of the “unexpectedly best” states for retirement, arrived at by crunching a variety of data on cost of living, access to health care, inspiring landscapes, climate, cost of living, and post-retirement employment opportunities.
4) 10 Most Relaxing Cities to Enjoy Your Golden Years – Huffington Post Lifestyle (http://www.huffingtonpost.com/2013/04/02/best-places-to-retire-10-cities_n_2957794.html: The title says it all: Huffington Post has collected a list of relaxing retirement destinations. They combed through some of the nation’s best small towns and cities to find those in which retirees can kick back and enjoy a stress-free retirement. If you are most interested in peace and quiet in your golden years, with lots of opportunity for cultural activities or outdoor recreation, check out this list.
5) 10 Great Places to Retire for the City Life – AARP (http://www.aarp.org/home-garden/livable-communities/info-02-2012/10-Great-Cities-to-Retire-AARP.html): Perhaps relaxation is not what you are looking for, and you are more interested in spending your retirement years experiencing nightlife, culture, and a lively social scene. One of AARP’s many lists of “best places to retire,” this one is for those who sincerely appreciate urban city living, and seek energy, excitement, and character-rich neighborhoods. Here they list cities with senior-friendly neighborhoods, and discuss the top restaurants, nightlife, and cultural attractions that may appeal to energetic retirees.
“Live this day as if it will be your last. Remember that you will only find ”tomorrow” on the calendars of fools. Forget yesterday’s defeats and ignore the problems of tomorrow. This is it. Doomsday. All you have. Make it the best day of your year. The saddest words you can ever utter are, ”If I had my life to live over again. ”Take the baton, now. Run with it! This is your day! Beginning today, treat everyone you meet, friend or foe, loved one or stranger, as if they were going to be dead at midnight. Extend to each person, no matter how trivial the contact, all the care and kindness and understanding and love that you can muster, and do it with no thought of any reward. Your life will never be the same again.”
Og Mandino quotes
So quickly we humans can forget how important it is to care, use kindness, understanding and love. How quickly we can wish for a reward only for ourselves. How quickly we can forget in a moment of anger, despair, or chaos just how important life is. Take the time to LOVE. Take the time to SHARE. Take the time to give THANKS. Take the time to use KINDNESS. Take the time to show Understanding. Take the time to allow yourself to be HUMAN. Take the time to allow others their right to be human. Take the time To hold anther’s HAND. Take the time to speak the word LOVE. Take the time to show someone you CARE! Give a HUG. We have but one life. Life is a Gift. Lift your face to the the sky and let your Heart sing!