If you would like more information about this practice and to know your choices about not having this information used by these companies, please contact the Network Advertising Initiative (NAI) at (207) 467-3500 or www.networkadvertising.org.
“Over-the-hill” in Corporate America is getting a lot younger. There are many more Americans turning 55 in recent years than turning 25. Many of the 78 million Baby Boomers are asking the question, “What am I going to do with the rest of my life?”
These later-in-life career changers don’t care about taking it easier and often will work as hard or harder than they did in the jobs they left behind.
As Bernard Baruch once said, “Age is only a number, a cipher for the records. A man can’t retire his experience. He must use it. Experience achieves more with less energy and time.” Knowing who you are and whatyou want to achieve in your second career matters.
Deep in a forest in northern Canada, a radio crackles to life and Pvt. Mike Hunter is ordered to stand down and return to base. Pvt. Hunter, of this Canadian army training exercise, is aged 79, and on maneuvers.
Old soldiers never die. In Canada, some don't want to retire either. Retirement is not for everyone; it is perfectly alright to work until you die, if that is what turns you on.
For example, Roy realized that there would be bloodshed if he hung around the house with his wife all day. He was lucky: he found part time work, a 20-minute drive from home. When he was asked, "Why not retire?", he would give the same answer every time. "Work keeps me alive."
Joanne, a 68-year-old woman, worked doing odd jobs for her friend's real estate company. When she had free time, she enjoyed playing golf and spending time with her husband. After taking a six month trip across the USA, she said, "Now it is time for me to get to work." And she was off, happy and focused on the present.
What these stories illustrate is that work plays more than just a monetary role in our lives. It helps us feel connected within society. It gives us a focus for some of our energy. It helps us feel a sense of worth and value, and sometimes it is our identity.
What people come to realize is that the ideal situation is a balance of work and leisure with the shift moving heavily into leisure (if you can afford it). If we have our health and if we have developed leisure activities, we can greatly enjoy old age.
Today's business environment has begun to appreciate the knowledge and contribution that older workers bring to the workforce. There is no reason that an older individual cannot make substantial contributions in less strenuous positions to almost any business well into their 70s and, for some individuals, even longer.
Researchers have found people who remarry after a spouse’s death report less depression and a greater sense of well-being and life satisfaction than those who don’t remarry, says Camille Wortman, professor of psychology at Stony Brook University, in New York, whose research focuses on grief.
“Men lose more when a spouse dies,” says Dr. Wortman. Wives often watch over their husbands’ health and tend to take care of more of the housework. Because men often have fewer friends than women, wives are typically their husbands’ main social and emotional outlet.
There is no set timeline for moving on. Some people need a lot of time to grieve. Others are ready to date pretty soon. Only you will know what is right for you.
Ask yourself: Am I ready to trust somebody again? And am I ready to care about another partner?
Your children may not be thrilled that you want to meet someone. But if you’re happy and balanced, you’ll be a better role model and a happier person overall. Talk to your children, no matter their age. Tell them why you are dating. Explain no one will ever replace their other parent. Reassure them that you will be safe and cautious.
You don’t have to let go of your positive feelings about your spouse and marriage. You aren’t looking to replace that person. Your spouse was unique. If you take that as a given, you can move forward.
Cope with the loss itself: Talk with others. Join a support group. Join a special activity group to meet others and do things that matter to you.
Stay hopeful and optimistic. Remember, you can and will find love again. You are never too old. Don’t let yourself feel pressured to make decisions you aren’t comfortable with.
We change our values and needs as time goes on, and especially after the loss of a spouse. Identify your needs and desires, and what values are important to you. Identify what you want in a new mate.
Think about what you liked and disliked in your first partner to help define what you want. If you know what you are looking for, you’ll be more likely to find that person.
Senior RV Travel America Dream Come True Comes with Mosquitos and Mechanics
Like many a retired couple, Jo Ann Bender and her husband Skipper thought it would be a grand adventure and a dream come true. So they upgraded the interior of a $7,000, 1973 Ford motor home and spent $3,000 in repairs hoping that would be sufficient to fix the engine and they hit the road.
In her new book Snowbirds, Jo An Bender shares what happened to them on their 2,000 mile trip from Spokane to Texas.
Instead of enjoying the wonders of nature and the exploring the scenery in the parks, it turned into a nightmare of breakdowns by the side of the road, and hours searching for, finding, and then getting help from mechanics everywhere along the route.
They learn new skills as navigators and mechanics as they plow joyfully ahead with their cantankerous little motorhome looking for free parking. The challenges are aplenty as they head to hot springs, Indian ruins, Western Forts, the Marfa Lights, and a Mariachi Mass at a San Antonio Mission.
And along the way, Jo Ann records her experiences and the many discoveries she and Skipper make during the course of their journey. Here’s a sample:
“As we drove down the lonely highway, a tape played, and I heard the words, “Fill your dreams with sweet tomorrows,” and I started to glow all over. I wondered what time it had gotten to be and notice that I was not wearing my watch.
Discovery No. 1: I didn’t care. Deadlines were part of another world. What were the parameters of that “other world”? Minute-to-minute timing to match time with goals. Pressure to meet deadlines. Always planning more activities than could genuinely be experienced.
Discovery No. 2: I felt a sense of rightness of journeying on a predestinated path. Th e inner spirit seemed to be shining, a feeling that the soul was being bathed in the waters it sought. Tears glistened.”
The couple’s two month semi-business trip required $2,000 a month for fuel, food, camping and $1,500 for repairs. This was less than they would have had to pay at home during the two highest months of utility bills. Insurance of the car left at home was lessened by being “on vacation.”
Snowbirdsis a delightful guide to anyone who dreams of taking on such an adventure, although maybe not in a vintage motorhome. It’s packed full of insights and how to do things that need to be done safely on and off the road, what provisions to take and how to pack so everything has a definite spot and can be found again.
One of major problems with life in an RV. Things have a way of disappearing that become a waste of energy, frustration and loss of good feelings.
Discovery No. 7: When you’re on the road, it’s difficult to do more than get from one destination to another, especially when weather conditions make driving hazardous. Road Gods must be similar to River Gods: they like to claim something for themselves. In Portland, it was a turtleneck left in a dryer.
A RV brings out the best and the worst in personal relationships. Small spaces are ideal for some couples. For others, even with outdoor living possible under awnings, there is nowhere to get away from each other. As Skipper points out at one point in frustration, “There’s no place to have a good fight in such a small space.”
Discovery No. 8: Indispensable Items for a Snowbird trip
1. The trip log with tickler notes
2. Frozen, easy-to-cook meals, prepared at home and packaged in freezer bags, laid flat
3. A map for each state
5. New wiper blades
6. Bathrobes and slippers
7. Gifts representing our state (potatoes, apples, handmade items, the cookbook we wrote)
8. Easy-going companion with a sense of humor
9. Tool kit with wrenches, sockets
10. Rolls of quarters for laundry, tolls, phone calls, gambling (minimum of sixty dollars in cash for each day we’ll be on the road for groceries, attractions, and cash-only service stations)
11. Flashlight for each occupant, plus one spare for the person who can’t find theirs
12. Flood lamp
The Best Part of the Trip. The RV world is vast. It is as beautiful and challenging as this wonderful world we call home – the U.S. of A. We went off to explore parts of it and returned feeling the responsibility and privileges of being a citizen.
Discovery No. 16: Buy a motor home but buy one you can afford so you can love—not resent—it.
When we viewed and drove miles of golden lands, we thanked our country for the good roads which allowed us the opportunity at little cost to explore so we could meet diverse people and savor foods and other lifestyles.
Discovery No. 17: Repeat Discovery No. 16. Buy what you can afford without hurting your quality of life, and it will be the best decision you ever made.
When it comes to your work, is it time to move on?
Millions of Americans in their 50s and 60s are delaying retirement and holding on to jobs they have done for years. Many, of course, need the money. But many others say they simply enjoy—even love—what they do. And if that’s the case, why not stay?
The answer: Because jumping ship—even if jumping would seem to make little sense—could be the best way to remain productive, happy and healthy into old age.
The phenomenon of delayed retirement is well documented. Average retirement ages are climbing, and nearly half of baby boomers say they expect to work until age 66 or beyond, according to Gallup Inc. polls.
For the most part, that’s good news, according to academics and financial and health-care professionals. Continuing to work in some fashion as we age can benefit mind and body, as well as beef up undersized nest eggs.
But these same experts, and many older adults themselves, are discovering a downside to remaining at the same desk year after year—a tendency toward complacency, coupled with a reluctance to ask tough questions.
For example: Am I working because I truly love what I do, or am I simply afraid of change? Do the best and brightest staffers want to work with me, or do they see better opportunities elsewhere? Am I continuing to learn something new about my work and myself, or am I plowing the same ground again and again?
“Especially if you have been successful at what you have been doing, you start repeating yourself,” says Sherry Lansing, age 70, who walked away from a job she loved as chief executive of Paramount Pictures’ Motion Picture Group and now runs a foundation.
“You have done it and you know how to do it, and that’s comforting. But if you repeat yourself, the highs aren’t as high and the lows aren’t as low, and you start to lose that passion.”
Most who fall into the Millennial/Gen Y demographic grew up hearing their helicopter parents tell them over and over that they are special, that they could be anything they wanted to be. And they tried to help them by praising everything they did whether the Millennial deserved it or not.
When it comes to thinking about a satisfying career, there are three critical factors, where you need all three to have a fulfilling career: Passion, StrengthsandMarket. Of course, finding a career that satisfies all three conditions isn't easy.
Pew Research did a survey and found that 30% of college students pick majors that may satisfy their passion and skills parts of the equation, but have very poor job prospects.
By completing one or more confidential self assessments in the area of personal concern, you may discover a number of things about yourself. Knowing how you impact others can establish solid beginnings for developing productive relationships. Assessments can provide information to you on "Who am I?", "How others see me?" and "How do I relate to others?"
For a new generation of workers, the idea of seeking out a single career confidant is as old-fashioned as a three-martini lunch. One approach is “peer mentoring,” a gathering of like-minded individuals who can offer guidance for one another, much like Facebook (FB) Chief Operating Officer Sheryl Sandberg’s “lean in circles.” Younger workers are in pursuit of a sponsor, the preferred academic term for a mentor who goes beyond advising to actively promoting an underling. Several studies have found that sponsorship can be effective for securing better compensation, faster promotions, and job satisfaction.
Now there is an ever-changing age of economic uncertainty and constant adaptation. Promote Yourself offers a practical guide that breaks down the hard, soft and online skills that Gen Y workers need to build a strong network, create their own jobs and get ahead in their careers.
As Baby Boomers age, student loan debt is likely to become a bigger problem.
Some 4.7 million Americans in their fifties owe education debt, up from 2.3 million in 2005, and the total amount is three times as high as it was nearly a decade ago, according to the Treasury Department.
More than 2 million Americans age 60 and older are carrying student debt, up from about 700,000 in 2005, according to the Federal Reserve Bank of New York. The debts are from old loans and more recent ones that older Americans take to go back to school or pay for college for their kids.
In total, this group has $43 billion in unpaid loans, five times what they owed in 2005. The average debt also has risen by more than 60% since 2005, to around $20,000 per borrower older than 60.
The government has the power to seize portions of the pay or Social Security checks of those who've stopped paying their federal student loans. It can also confiscate tax rebates. Borrowers can negotiate a repayment plan with the government to get out of default.
From January through July of this year, the government withheld money from the Social Security checks of 140,000 people, according to Department of Treasury data. A decade ago, a third as many seniors lost part of the benefit to pay off loans.
The economy is still recovering from the recession of 2008 and 2009, with unemployment still at an astounding 7.6%. Unemployment spent the years prior to the last recession ranging from roughly 4% to 6%.
The payroll tax hikes that kicked in at the beginning of 2013 are weighing on employers and consumers as well. They're enough to curtail incomes and that, in turn, will significantly dampen consumer spending.
The 2014 recession may not be as deep as the last one, but it will most likely be longer, because the Fed is running out of options. Think about it. What can the policymakers do to fix the problem this time? They won't, and the markets will be hit hard when the economy tanks, so we're entering a new world of investing.
Those who are aged 40 to 60 already suffered a recession, during which they saw their net worth cut in half in just 12 to 18 months. They have most likely pushed out their retirement dates as a result, and they're inventing more cautiously because they are experienced enough to know that anything that happened before can happen again.
Those who are aged 60 and older were affected the most by the last recession. Most didn't factor a stock market collapse and a 1.5% yield on U.S. Treasuries into their retirement plans. Some managed to enter retirement debt free and make the spending adjustments to make ends meet, but they may see their assets obliterated again. Those with debt, who could not retire, are in even worse shape.
Retirement can be the best time of your life, but for couples, there's far more to it than cashing in your 401(k).
The most important asset you have during your retirement is each other, yet many couples aren't sure where to begin or what to consider as they prepare for retired life.
Women, more than men, can have difficulty thinking about "24/7" with a partner, particularly if home is their domain. Balancing independence and intimacy can be challenging in retirement transition, especially if one partner wants more time together and the other needs more space.
Sometimes couples look back on the early stages of their relationship and wonder what happened to the passion and unending hours together.
Being in love is a wonderful place to be, but real-life responsibilities eventually take over, and the demands of work and family often take priority over the relationship. As time goes by and responsibilities grow, many couples find that they don't have much time to spend with each other except for weekends and vacations, and even then, there may be limits on their time together.
Filled with smart and practical advice, engaging anecdotes, and helpful exercises, "The Couple's Retirement Puzzle" will guide you and your partner to a fulfilling retirement you can enjoy and celebrate together.
In fact, the proliferation of mobile technology seems to be eroding away at the very notion of “normal business hours.” Some 60 percent say their employers already expect them to be accessible during off hours, while 70 percent work up to 20 hours or more outside the office each week. Roughly one-half of Millennials surveyed say flexible work hours and the freedom to work from any location would improve their work/life balance.
“It’s no surprise that Millennials are highly dependent on mobile technology to support flexible and productive work habits,” said RingCentral President, David Berman. “The vast majority seem to expect to use their own devices for work, rather than the company providing it for them. That creates a bit of challenge for companies that have to find a way to deal with BYOD as part of their business phone system.”
“In a global economy where business is conducted around the clock, it’s reassuring to employers that Millennials are so willing to be available on a flexible schedule and use their own devices to do so,” Berman said. “But, that means it’s our responsibility as employers to provide them with accessibility, solutions, security and freedom to work how and when it’s best for them and the company.”
The online survey was conducted in early 2014 within the United States by Survey Monkey on behalf of RingCentral. It was completed by individuals age 18-32 from 346 businesses of all sizes. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated.
As the last of the over 76 million Baby Boomers in the US turn 50 in 2014, there has been an increase in interest in health and fitness for this aging population.
As a result, one of the growing trends the IDEA Health and Fitness Association has identified is fitness, exercise and nutrition programs geared toward Baby Boomers. The Baby Boomer Generation wants to stay active and fit and is seeking fitness programs and trainers that are tailored for them.
As a result, the IDEA World Fitness Convention taking place this summer will feature many exciting and intriguing workshops, speakers and products to inspire all fitness devotees but especially for Baby Boomers. A plethora of sessions are designed to fit their specific needs.
Some examples are:
Functional Circuits for aging clients
Training the Body and the Brain With Games
Pilates for Osteoporosis
Fun and Function: Adult Fitness Games
Training the Baby Boomer
The IDEA World Fitness Convention is taking place in Anaheim from August 13-17, 2014. In addition to many leaders in the fitness community who will be presenting and teaching, swimming champion and Baby Boomer, Diana Nyad, will receive the prestigious Jack LaLanne award and delivering the keynote address.
The Jack LaLanne award is given to an individual who has made a significant and lasting contribution in the areas of fitness, nutrition and wellness by promoting the benefits of exercise and healthy eating, and who has inspired the world to fitness through his or her work in the media or public eye.