Age 55 Perks and Benefits

Thrifty Boomers Pays Off

Baby Boomers don’t necessarily buy cheap but many buy smart if they have been able to save money over the years. That might mean getting a name brand quality item for a great price. To save money, it usually means that they have sacrificed either time or money.

Baby Boomers watch their expenses carefully because this tough economy has zapped what ever retirement funds seniors have worked hard to accumulate and save, no one knows how much money they will need to retire comfortably and no one knows what physical impairment may keep them from earning an income and when that will come.  Everyone wants to retire comfortably with out much worry about money or health. We are not cheap, we are just knowledgeable from years of living and watching others before us struggle with economic situations.

I get it but younger generations sometimes don’t understand and it might not be their fault. Some times you can’t understand, till you experience. Have you ever told a friend a story and they just smile and nod but they didn’t really buy into what you were telling them? I think this has happened to all of us. On a later occasion, has your friend then told you a story of something that happened to them that was quite dramatic and very similar what you told them on an earlier occasion? They may or may not even make the statement “you told me something like this happened to you but it did not sink in until it really happened to me?” Point is that sometimes, no matter the age, we don’t get the point until we experience it and it happens to us.

With age usually comes wisdom so we boomers don’t have to experience everything to make rational, logical decisions. I don’t have to jump off my roof to know I might get hurt. Boomers, those 50+, retirees, those about to retire have the time and wisdom to search for the discounts, boomer discounts, senior discounts, weekly specials, sales and deals.

Baby Boomers don’t necessarily buy cheap but many buy smart if they have been able to save money over the years. That might mean getting a name brand quality item for a great price. To save money, it usually means that they have sacrificed either time or money. Many have lived their whole lives buying low quality, inexpensive and now they can afford to step up a bit with better quality and discounts. It might be clothing, cars, housing, vacations or just gifts for the children and grandchildren.

For more tips on getting the best prices and good deals visit Discount Deal Guide

Originally posted 2011-01-03 20:38:38.

Health Care Tips for Baby Boomers

This article list some tips that any Baby Boomer might want to think about which could save you time, money and stress in health care.

Many of us Boomers go along in our day to day routines in a nonchalant way.  Then when something out of the ordinary happens we wonder why there is so much stress.  Some things could have been prevented or taken care of more easily if only we had been more knowledgeable or prepared before being confronted with a situation.  I will list some things that any Boomer might want to think about which could save you time, money and stress in health care.

  1. If you usually just see one physician, that physician knows the medications that you are taking.  There are times though that we are referred to a specialist or end up in the emergency room unexpectedly.  Therefore, have a list of all your medications written down with the dosages and times that you take the medication.  The note area in your cell phone is a good place to put this if you normally carry your cell phone with you.
  2. Some medications are dosages of 25 mg. and some may be . 025mg. The small period is very important in order to ensure the proper dosage is given.  Always check this on your prescriptions for accuracy.  There are medications that this could mean a life or death situations.  Rule of thumb;  Check for periods and always even double check after your pharmacist or health care provider.
  3. Know the names of the medications that you take and why you take them.
  4. After having a prescription filled always check the bottle label.  Make sure it is the correct medication and the correct dosage before taking it.  Just the other day I found that one of my medications said 1/2 per day when in fact it was suppose to say 1/2 taken 2 x per day.
  5. When it is near a holiday, week end, or vacation, make sure that you have enough medications to last until your physician is back in the office.  Also pick your prescription up early in the day when possible in case your doctor needs to be called.  Some pharmacies close early also.
  6. Know how your insurance covers.  Know the difference from in network and out of network. Checkout online sites like Consumers Advocate.org for the best reviews of carriers.  This can save you money.
  7. When going to the emergency room most providers will collect your insurance copay at the time of service.  A lot of insurance companies will wave that co pay if you are admitted from the emergency room into the hospital.  For me, I found it easier to get my copay back if this has been collected in error right at that time if at all possible.  Later down the line it takes more time when you may need that money to pay for something else.
  8. When going to a health care facility to be registered for out patient or in patient services, know what an advanced directive is prior to that process.  If you have an advanced directive then take it with you.  If you do not and feel you need one, then it will save time to get that prior to the day you are registered.  This normally requires a notary and can save a lot of time depending on how the facility takes care of such manners.
  9. If your service requires a co pay or out of pocket payment then have your credit card, check book or cash with you.
  10. If you are a single person it is always good to have a friend or relative that knows where your important papers are kept before an emergency happens.
  11. If you have allergies to ANYTHING know what they are.  This might save your life.
  12. If being admitted into a hospital, it is good to know simple medical terminology such as, what is a clear liquid diet or a full liquid diet.  You can then check your own meal tray for accuracy.
  13. When one is ill, it is difficult to remember names of important people, their titles, or departments that they may work with on your case.  Things go very fast.  Do not hesitate if you need to write them down or ask more than once a name or question.  It is your right.  You are the patient.
  14. Yes, I know most of us have our telephone numbers in our cell phones.  Do you have a written list?  What if there is an emergency and your phone looses its charge.
  15. Last but Not Least!  Remember, when a person is ill, we are not always our best self.  It is easy to be cranky, forgetful and lack patience.  That is expected.  When possible though remember to show your appreciation and say thank you.  Then on the other hand if your treatment is not as it should be then speak up, question things, ask for clarification and above all remember you deserve respect and your dignity at ALL TIMES!

Good luck on your next health care visit.  It is important for all of us Boomers to help each other.

Originally posted 2018-11-26 12:19:44.

Boomers Are Going Into Their Retirement Years

Baby Boomer Generation

When I was a child, I was around many older people.  Even my own parents were considered elderly. I was only ten years of age.  They were in their 50’s.   I came from a small town where people knew the value of  a dollar.  Hard work was just what people did. The really older folks, such as my grandfather, shared stories of working in saw mills.  Work days were from dusk until dawn.  Evenings were for resting and preparing for another work day. If school was in session, parents made sure that children did their homework.  Much of the evening was spent reading and writing by the entire family.  Bedtime came early after all home work and chores were completed.  The nights were short because the work days started very early.  A work week could easily consist of six days.  Sunday was a rest day spent relaxing, going to church and enjoying the family.

I really do not remember much talk about retirement in those days.  As a matter of fact, what I do remember is folks working until they were very old.  There were still cows in the pasture to milk, chickens to be fed, and wood to be chopped for the fireplace or heating stove.  There was a lot of preparation to get the crops in before the bitter cold winter arrived.  Also families worked together to assure that they were prepared to survive the winter months as mother nature came roaring in with snow,ice and chill factors below zero.  Time did not stand still.  It took much longer to do things such as laundry, cooking, lawn maintenance and such.  Yes, the old wringer wash and tubs took a lot of time, not to mention hanging the clothes on clothes lines. Then there was ironing not permanent pressed.    Meals were fixed on a hot cook stove.  Potatoes were peeled and mashed.  Green beans were picked from the vines, washed and snapped.  Corn was shucked, cleaned and boiled.  There was no such thing as a microwave.  I can remember my Father mowing the lawn with the push mower as mother prepared  meals.  There was no weed whacker just hand clippers.  Then there was the regular watering of the flowers with a garden hand held hose as soon as the sun went down.  After the evening meal,dishes were washed in the sink by hand and then towel dried. Of course they were put back in the cupboards to be used again the next morning.  Pots and pans were cleaned with Brillo pads.  There were no automatic dish washers or no stick pots and pans.

In our home we did not even have running hot water.  We heated bath water on the stove.  This too took awhile.  Water to wash clothes in was heated in a big black kettle outside with a fire built from wood under it.  Everything that we did appeared to be a long process of work.

So you might be thinking to yourself as you are reading, “What is the point of this story?”  Therefore, I am going to tell you.  Most of us boomers have been working since we were knee high to a grass hopper as the old saying goes.  This boomer is TIRED.   My retirement DREAM was NOT to keep on WORKING at age 63 but it appears that is what life has in store for me and some of you.  We are  boomers though that have seen many rough times.  We made it then and we WILL make it now.  Maybe the good ole days were good preparation for what ever life challenge that we have today.  Now some of you boomers that are in the over 55 communities enjoying life, you will still be able to meet adversary because you have been conditioned in your early years.  So live it up!  Enjoy every moment.  For those of you that are ready for that lazy boy recliner, enjoy the heck out of it.  Then for those of you that like to learn and stay busy, remember to visit your local senior centers.  You can volunteer there too if you are still into working.  Oh let us not forget, live healthy, eat green vegetables, exercise to keep that body strong and in shape.  Do that for yourself too.  Who knows where health care is going.  It  still beats the the town Dr. that we had in my childhood. He only showed up one day a week.

My question to you is this; Do you boomers really think that we had the easy life as I read so much about in the news?  Did we really set out to destroy the world for those that follow us?  Were we not just trying to live and survive as those before us did and those after us will do?  I say one thing that was true before my time, during my time and hopefully after my time that will remain the same is just this:  It will always take Love for One Another to Make the World Go Around.  As soon as we can all get over the blame game,the sooner each of us can get on with that most important thing of all; Peace, Contentment, Love and Living!  As I have said before and I will say once again, WE ALL HAVE SOMETHING TO CONTRIBUTE!  May peace be with you as boomers go into their retirement years.

Senior Community Guide for: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Dallas, Denver, Detroit, Houston, Indianapolis, Jacksonville, Kansas City, Lake Oconee, Las
Vegas
, Los Angeles, Miami,
Milwaukee, Minneapolis, Nashville, New York City, Norfolk, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Reston, Richardson, Rochester, Sacramento, Salt Lake City, San Antonio, San Diego, San Francisco, San Jose, Seattle, St Louis, Tampa, Tucson

Originally posted 2011-12-08 11:59:02.

Boomer Living Trends

Here are some trends happening with us of the baby boomer generation. If you are a boomer, can you relate to any of these?

Buying a New Car

Boomers have been buying new cars, even though many of us are driving less. The catalyst for baby boomers to buy a new car is the safety equipment in new cars these days. My wife Mary Ann picked up her new Honda yesterday with Navigational system and Sensing, replacing her 2009 model car.  It is amazing what cars can do these days. Boomers feel these items make today’s cars safer and easier to drive.  One day when self driving cars become available, there may be another boomer car buying spree.
safer autos for baby boomers

Being More Active

Boomers are becoming more active and getting out for walks and playing pickleball and other sports.  I joined 10,500 boomers at the National Senior Games a couple of months ago and witnessed the passion first hand.
National Senior Games race walkers

Attend to Our Health

All boomers’ lives are affected by their health and that is becoming more clear by the day. The Medicare nurse comes to our homes each year to check up on us (if you have an Advantage Plan).  Many of us do annual physicals and preventative dental work.  We visit health fairs and do Health Screenings which are medical tests that doctors use to check for diseases and health conditions before there are any signs or symptoms. Screenings help find problems early, when they may be easier to treat. Many of us are dealing with chronic health conditions that alter our lifestyle.

Downsizing and Moving

Almost every boomer I talk with has downsized or is downsizing, getting rid of stuff they no longer need. Many times this is in preparation for a future move to a home more suitable to their needs, like a retirement home in a 55+ active adult community or small town.
retirement home

Traveling More

Travel while you can is our motto. Traveling is our new purpose it seems. I am astounded at the amount of travel quite a few of my friends are doing. Back to back major trips that would have been considered “trips of a lifetime” are taken in a year.

That’s the way I see it from here.

Robert Fowler
Village at Deaton Creek, a 55+ Del Webb Community

 

Originally posted 2017-09-01 15:35:24.

Cruising Observations for Boomers

Mary Ann and I just got back from a 11 day Western Caribbean cruise on the Celebrity Equinox, which is about our 24th cruise. Here are some observations from our trip.

We observed and have heard from 3 other frequent cruisers that the cruise lines are now targeting younger people in the 45 to mid 50s age range.  Well after cruising some time with the older people, now we are right in the mainstream being an older boomer of age 67. So the cruise lines want to pass over my age group to target younger people? Doesn’t make sense.  As an example, Equinox presented their Modern Luxury theme with a new stage production which has men wearing only girdles and all cast members looking androgynous. Yuk!Equinox show

Cruise ships do change. Equinox used to be our favorite ship. That is why this was our third cruise on the Equinox. But things have changed. No activity staff at the upper lawn areas or throughout the ship like previous cruises. Cruise staff changes, entertainment changes, ports change, so don’t expect just because you liked the cruise last time you will like the same ship next time.

Equinox3On many cruises, the best part is meeting the people. We met many people we related to on this cruise and it was nice talking with them. Unless the cruise is really port intensive, you will have time to socialize and meeting people is super easy.

Too much of a good thing is bad.  When you first get on a cruise ship, you will love to eat and maybe drink too much. By about day 4, things start to catch up with you and you will have to pace yourself or else a good time turns bad.

Celebrity Equinox
Celebrity Equinox

Taking too many cruises back to back will burn you out on cruises. I think that is where I am now. Taking a 14 day cruise in Sept, then this 11 day cruise in December, I just decided to cancel my California Coast cruise in March because that is just too much cruising.  I will wait until the urge comes back, which won’t be long.

See why baby boomers like cruising. It is the best of boomer travel ideas.

 

Originally posted 2015-12-13 11:10:47.

Retirement Travel: Road Trip

Looking for travel ideas when you retire? Here are some enjoyable road trips for you to consider.

Many Glacier Lodge, Montana
Many Glacier Lodge, Montana

When dreaming about retirement one of the fun things to do is to think about the traveling you will do, once you don’t have to go to work every day.

When you are in retirement, one of the fun things to do is to think of all the neat things you have done over your lifetime.

For today’s post,  I am combining those two ideas and posting about some of the enjoyable road trips that I have done.  This has been fun to remember and maybe will give you an idea for a road trip of your own.  Some here are some memorable scenic road trips I have experienced.

Road Trips

1. Blue Ridge Parkway is absolutely gorgeous!   Described as  America’s favorite drive. I started near Cherokee NC took the parkway all the way up to Blowing Rock.  Also have been on the Blue Ridge Parkway in a drive through Shenandoah National Park in Virginia.  The Summer or early Fall is a great time for this trip.

2. Montana Practically the whole state is scenic but we took I-15 to Butte, then I-90 to Missoula then to the scenic drive on Hwy 83 to Kalispell and Whitefish.  Along the way we passed through the Valley of 1,00o haystacks.   From there a ride through Glacier National Park on the Going to the Sun road staying in the wonderful park lodges ending up at the famous Many Glacier Lodge.

3. Nova Scotia Flew to Boston and got a comfortable rental car for the drive up to Portland Maine and took the ferry over to Yarmouth Nova Scotia.  With the help of the Canadian Embassy we have planned out 5 overnight stays on the drive along the northern coast, stopping on our trip at the Bay of Fundy to eat scallops and to visit the scenic Peggy’s Cove, ending up at Halifax.

4. Charlottesville VA area.  Make Charlottesville your base and take in the area with day trips to homes of three presidents, Jefferson, Monroe and Madison.  Not to be missed is a day trip through the Shenandoah National Park.  Allow 3 or 4  nights in Charlottesville but you could continue the trip down to Williamsburg and Jamestown for a longer trip.

Retirement Travel

So these are four of my best road trips.  For your retirement travel planning, maybe this will give you an idea for a trip of your own.  Enjoy!

For more good travel ideas, visit our Boomer Travel page.
For more Retirement Travel ideas.

Originally posted 2012-05-13 12:31:41.