Archive for January, 2009

Photography 101 By Barbara Stitzer for Boomeryearbook.com

Friday, January 9th, 2009

small-annelize-and-amelia_bakfor Boomeryearbook.com by Barbara Stitzer

Hi, I’m Barbara Stitzer, and in the following weeks, I’m going to tell you everything that you never knew you wanted to know about photography. I’ve been a photographer for the past 15 years. I was a model for ten, and a soap opera for three, and when my mom came down with lung cancer,  I went to stay with her while I decided what I wanted to do with my life.  Well, things got really sad, and I bought a Canon AE1 manual film camera to keep my mind off it. There’s a riverbed behind my parents home in Los Angeles, and when it rains, which isn’t very often, some bright guy gets the idea to take a boat down the riverbed and they usually drown, so about three days after I bought my camera, someone was doing just that, and the news crews were there filming a helicopter that was trying to rescue these guys, so I took my camera and ran down there

I didn’t have a press pass, so they wouldn’t let me around the chain link fence to get to where the action was, so I was shooting through the fence, and this guy turned around and asked me what I was doing. “Kind of Obvious,” I said, and he’s like, “Well, you’re on the wrong side of the fence.” I said,  “I know, I’m new at this, and  they said that I couldn’t go over there” and he got really intense with me, pulled my camera strap through the fence and hissed, “Look, if you REALLY want this shot, just jump the fence.”

I’m still not sure why I decided to jump that fence. But something inside me welled up, and even though I was in high heels, a little short skirt, nylons, and was holding my purse, I did it.  I jumped the fence. And he just thought it was so funny…there I was with my little manual camera, and he had this super space age digital model. But I didn’t care. I shot for all I was worth.

After it was over,   he asked me to “come to his ‘place’ and develop the film”. I wasn’t about to go to any guy’s “place”…I had, of course, just gotten OUT of that business… but then he gave me his card, and it turned out that he was the head of the LA times photo department, so I went back to the LA Times with him, and lo and behold, my picture was better than his, so he published it and gave me a job.  I shot everything from fashion to food to football and everything in between, and then I branched out on my own and started on my new life, winning more than 400 local, regional and national awards in the process.

But enough about me. Let’s talk about you, and the amazing pictures you’re going to take!

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www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Attention Baby Boomers: its time to raise your financial intelligence!

Friday, January 9th, 2009

attention-baby-boomersits-time-to-raise-your-financial-intelligenceby Boomeryearbook.com

The definition of “intelligence” is the ability to solve problems. Some people can solve math problems, some tech savvy gurus can fix a dead computer and great CEOs can take a failed company and turn in into a flourishing enterprise – the common ability of all such people is the knack to solve problems relating to a particular field.

The baby boomer generation may be exceptional Doctors, Engineers, Lawyers, Accountants and Teachers, but that certainly doesn’t mean that they are financially intelligent enough to weather the economic storm faced by them today. Today it has become an absolute must for the baby boomer generation to invest time, effort and resources in raising their ability to solve financial challenges – in other words to raise their financial IQs. To give a small sampling of how important this kind of intelligence is today, consider the following: national dept is on the rise, wages are drastically decreasing, unemployment is on a record high, jobs are being exported, the dollar is falling in value, billions (if not trillions) are being spent on wars overseas, social security and Medicare are going bankrupt and the rift between the rich and everyone else is rapidly expanding.

Many of the financial problems that exist on both, micro and macro levels, is because people have been made to expect the government to solve many of their personal financial problems – problems that could have otherwise been solved by themselves provided they were equipped with the financial awareness and skills to do so. The bottom line is that today’s financial problems cannot be solved using yesterday’s solutions. In a year or so if each of the seventy five million baby boomers begins to receive a social security payment of $1000 /month in Medicare and Social Security then the government will end up paying a staggering $75 billion dollars a month – this is equivalent to an Iraq war every month.

But all is not lost yet for the baby boomers and all that is primarily required is the ability to change from the entitlement mindset to the proactive mindset. The baby boomers have got to develop an interest in learning how finances work instead of just turning in their money to the experts and hoping they will make the right decisions. It’s an overall change in the mindset and attitude that is important – once people start looking at their life and its challenges through a positive and proactive frame of mind then possibilities (not problems) start showing up all around.

A major difference between the financially intelligent and the financially blind is that the intelligent have goals whereas the blind only have dreams. Unlike a dream, a goal has a process and a path that leads up to it. If you have a dream then turn it into a goal and chalk out a process by which you can achieve that goal. Gather knowledge and develop an interest in the process itself. Enjoy the process and the process will teach you more than the attainment of the goal ever can. When Henry Ford was asked what he would do had he lost his billion dollar fortune, he simply replied that he would “have it back in less than five years” – and that is because the process of becoming a billionaire had made him financially intelligent – and that “intelligence” is the real wealth-generator.

Enjoyed this article? Share with us your views, thoughts and life experiences on financial intelligence by visiting www.boomeryearbook.com.

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www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

CONVERSATIONS IN NEW YORK

Thursday, January 8th, 2009

chrysler-buildingCONVERSATIONS IN NEW YORK

Susan Gordis

I don’t find September 11th an easy subject, not as a New Yorker, not as an American, not as a member of our planet. But some things happened as a result of that day in 2001 that were enormously heartening to me, that helped me with my own sadness, as I had exchanges with all sorts of different people.

My lovely husband, Jay, had left for work quite early that day, as it was Primary Day and he was supposed to follow former Mayor David Dinkins when he went to vote. My joke at the time was that Primary Day had become secondary, but indeed it was seventeen hours after he left the house that my sweetie finally returned home. He sat down to take off his shoes and was then mesmerized by the television, looking at the same things the rest of us had been watching all day long. Jay had seen only those images which were visible in his camera viewfinder, many of which were horrifying, but he had not had the chance to see what other people had recorded of the events that took place that day.

On September 12th I found that I was unable to do any work, although there was quite a lot to be done on my desk, so I decided I would do one of the things that’s healing for me; I spent the day in my kitchen. The back door to our apartment opens onto the dining area, and the kitchen is in a line with the dining table. Years ago we installed a home-built (and very “artistic”) screen door through which anyone who is in the hallway can see in. There are two apartments on that side and our floor neighbors are quite used to stopping to chat when they have time, and the cooking smells from our kitchen make their way out into the hallway and up the stairwell. Many people in the building work from home, as I do, and many others stayed home from work that day. Our neighbors from this floor and the ones above made their way to our screen door. There I was, cooking madly, and I had eight or ten separate conversations with members of my “town” that day. Quite late in the evening the telephone rang and it was my dear, sweet, tired husband. He had been working for thirteen hours and wanted to know what we were going to “do about dinner.” I said, “I’m cooking, so when you get home we’ll eat.” “You’re cooking? Oh, of course you’re cooking. Wonderful. I’ll be home in half an hour.”

By the time it was Thursday, September 13th there were errands to be done. Among them were things to be accomplished at the post office. Not only am I not more patient than most people, I’m actually less patient than most people, at least when I’m waiting in line at the post office. But the way I usually deal with my own annoyance is to talk with the people around me. Certainly there was a subject which was necessarily in the minds of each and every person in the post office that day. Everyone looked quite disoriented, at least to a casual observer who didn’t know whether perhaps some of those people might always look that way. So I struck up a conversation with a woman who appeared to be especially uneasy and uncomfortable. It seems her son had escaped certain death in one of the World Trade towers because he had had to pick up a package of some kind in the East 50s before work. She told me (and by now everyone else in line was listening as well) that he had had to reschedule his whole workday in order to do this and had complained about it to her on Monday. His coworkers who were already at their office were killed, every last one of them. His life had been saved because of this unusually-timed errand. As she told the story she began to cry. Another woman began to cry. A young man began to cry, apologizing to those around him. Those of us who were not crying were trying to soothe the others. People had to be reminded to go to the windows when a clerk finished with another customer.

On Friday, September 14th I went, as usual, to the local farmers market. I shop there every Friday all year long, so I have some wonderful relationships both with these lovely people who grow the food and some of their staff members. I said to one woman, “Thank you for coming today.” She replied, “It’s the least we could do.” One of the farmers insisted that I take a bunch of red gladioli “on the house” because, he claimed, he had brought too many. I’m not sure what I managed to say to him, but we hugged and that afforded me the chance to wipe my eyes without his seeing me. I decided those flowers should be displayed in the lobby of my building, so I wrote a little note to explain their presence. I made mention only of the fact that a farmer had given them to a tenant and didn’t give my name.

On that Saturday I needed to buy groceries. Ordinarily my husband and I do this together, and I often refer to him as “my beast of burden.” He has a wonderful, healthy appetite and an appreciation of my cooking so many pounds of food need to be purchased and carted home every week. (If he’s going to eat all that food then he needs to carry it, too!) On this occasion I had carefully strategized what I could conceivably carry and I walked to the subway. The weather was still quite warm that week so I didn’t need a jacket. I was proudly wearing a tee shirt which said “F.D.N.Y.” on the front and “Keep Back 200 Feet” on the back. As I went through the turnstile I realized I had just missed the train. I descended the stairs and settled in a seat to wait for the next one. The platform was deserted, of course. The next two people to descend the stairs were policemen. I estimated that they were probably twenty-four years old. They descended slowly, coming into my view beginning with their shoes, and as I watched them come down I realized how utterly exhausted they were. They stood together, both weaving, until one of them decided to lean against the tile wall. They were saying nothing to one another.

I said, “You’re not allowed to sit down when you’re in uniform, are you?” The non-leaning one launched into telling me that no, they were not allowed, and they hadn’t sat down the whole day before, and they were required to work double shifts for the foreseeable future, and they weren’t getting any time to eat anything, and so on. It occurred to me that here were two very young people who by virtue of their uniforms had been asked by countless people to give them information, to listen to their fears, to hear their stories, and these young men had been completely emptied of their reserves of strength and patience. The job they do, which is never an easy one, had become virtually impossible.

By the time his partner had finished verbally venting his frustration the other young man was no longer leaning on the wall. It was as if just hearing the complaints his partner was saying aloud had made him feel better. By this point other people had joined us on the platform. I sat where I was, smiling at the two of them, and I felt gratified that I had been able to help, just by asking one question and allowing the one fellow to talk. I heard the train heading our way in the tunnel and decided I would walk to the front of the platform so the train cars that stopped there would be less crowded. I had listened to the one young man talk long enough to know that the voice I heard from behind me was the other one’s voice. “Keep Back 200 Feet, huh?” The roar of the train precluded my being able to give any verbal response, but I looked back over my shoulder and waved to them. They waved and smiled back.

For many people the fact that they were talking with strangers was a direct function of that extraordinary time. As I walk around talking to people I don’t know on virtually a daily basis this was my chance to behave what is for me normally, and it meant that for people who needed an ear, needed the contact, and needed it right then and there I could provide an opportunity that they might not have had otherwise. In that way I tried to make a contribution to the other people I encountered. Anyone who had a method to try to impose order in the chaos should have done so. I’m glad that my natural inclination and the behavior that I have been practicing for so long was put to good use during that tumultuous time.

It was not we New Yorkers alone who had hard truths to face; everyone on this planet needed to think, to consider what had taken place. I would have liked it if those awful events had given people a way to rethink some of their long-held positions, to realize how fragile each of us is, but since that day we’ve seen that we are indeed doomed to continue to repeat so many of our prior mistakes, that instead of bonding together and banding together, instead of relating to the horror which we humans had once again imposed on one another, we decided to divide ourselves even more staunchly, we shrank back yet again from the chance we have always had to unite and pull together. But I persist in talking to people, one at a time or sometimes deliberately when I know I will be overheard, in the hope that we can come to understand that whatever happens to any of us is part of the life each of us has.

© 2007 Susan Gordis
Published in boomeryearbook.com

Could A Reverse Mortgage Be What You Need?

Wednesday, January 7th, 2009

reverse-mortgageThe Facts You Need To Know
By boomeryearbook.com

There comes a time in our lives when we need a little extra money to take care of everyday expenses or an unexpected occurrence. For many Baby Boomers, some of these expenses may include medical, home improvements, and/or supplementing your social security income. Many have decided that a reverse mortgage loan would be the best option to meet their needs. But is it? Let’s look at some facts with regards to this revolutionary mortgage idea.

What is a Reverse Mortgage?
A reverse mortgage allows you to turn your home equity into cash that you can use, without you having to sell your home or take out any additional loans. You remain the owner of your home; you keep title, and continue to live there as before. You can choose to receive payment in a lump sum, in monthly or quarterly payments, or as a line of credit. Sounds pretty reasonable, doesn’t it? Now, how do you go about getting a reverse mortgage?

Do You Qualify?
To qualify for a reverse mortgage the following applies:
• You must be 62 years of age or older.
• You must live in your home.
• You have paid off any existing mortgages on the property.
• Neither your credit rating nor your income is considered.
• The amount of money available to you will be based on the value of your home, government or lender limits, your age, current and future interest rates, and fees collected by the lender or intermediaries.
A reverse mortgage requires no repayment as long as you are living in your home and must be paid in full when the last living resident of the home dies, sells the home or makes a permanent move. Also, not every type of home is eligible, so it is important that you do some research to know if yours does.

Reverse mortgages are offered by state and local governments as well as banks, saving associations, and mortgage companies. Those offered by government are less expensive and have lower fees and rates; however they usually have to be used for specific purposes such as home repairs. The others are much more expensive; however they do not require any explanation for the use of the funds.
What are the Pros and Cons?
There are many advantages to a reverse mortgage, especially when you are your wits end and need immediate help. You are able to continue to own and live in your house and receive the funds that you need according to your choosing, whether it is in one lump sum, monthly, quarterly, or as a line of credit.
However, there are many aspects to consider before choosing this route:
• The first thing to consider is the fact that this loan is very expensive and the amount you owe grows more each month. According to the American Association of Retired Persons (AARP), origination fees and insurance premiums typically eat up $25,000 or more of the total proceeds of a common reverse mortgage on a $250,000 house.
• Consider how long you plan to continue living in your home. The longer you live in your home the more cost effective a reverse mortgage is. If you only plan on living there for several more years, then you might want to reconsider this option.
• Reverse mortgages could have tax consequences, affect your eligibility for assistance under Federal and State programs, and have an impact on your estate and heirs.
Get All the Facts
It is recommended that you seek independent counseling on the matter before signing any contracts. This is a very important decision that can affect the rest of your life. Be sure to know exactly what you’re getting into and with whom. Be on the lookout for predators who try to scam you for everything you worked so hard to obtain. Make sure you’ve explored other options of earning more income before you make a final decision because it is not easy to reverse a reverse mortgage.

What do you think about reverse mortgages? Are they good for Baby Boomers or not? Share your opinions with us at BoomerYearbook

www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Will Social Security Outlast The Last Baby Boomer?

Wednesday, January 7th, 2009

social-security
By Boomeryearbook.com

In 2007, the first baby boomer, Kathleen Casey-Kirschling, signed up to receive her Social Security payments. She is the first on a long list of approximately 80 million Baby Boomers to take this step. In about a decade, Social Security will begin to pay out more than it collects and in about 35 years the system is expected to become completely bankrupt if nothing is done to forestall this seemingly inevitable outcome! There are only a few ways to change this outcome, raise taxes, cut benefits or both. Until that decision is made, however, it is important for you to know how you can begin collecting your payments soon.

The Application Process
The application process to begin receiving payments is rather easy, but still requires that you are aware of how the process works.
• You must be 62 years of age or older to apply to receive Social Security payments.
• The best way to do it is online at the Social Security website at www.socialsecurity.gov. They will provide you with a list of all the information you will need to have ready in order to complete the online application.
• You can complete it for yourself or another family member; the choices are listed on the site. It is important to read all of the instructions before you begin and during the completion of the application.
• When you’re ready to apply, you simply click on “Apply for Benefits,” complete the application and click “Submit” when you are finished.
• They will, then, give you a list of documents that you must mail to the Social Security office closest to you, such as your birth certificate (the original copy), and W-2 forms for the last year.

The Future Of Social Security
Many Baby Boomers will decide to apply as soon as they reach the required age and others will wait a few more years so that they can collect a bigger paycheck each month. But at the end of the day, the future of this system as we know it is very uncertain. Everyone has a fairly good idea about what will happen in the future and what can be done to offset the damage; however, no one seems to know what will be done and when it will be done.
As we enter into a new era in the United States under a brand new Obama Administration, many questions are being asked about social security to which no specific answers are being given. Most Baby Boomers will be able to receive social security for the next 35 years, but their children and grandchildren will be the ones who will have paid into a system that will have nothing to offer them in return if no action is taken now by our government. At this time, we can only wait and hope that a practical decision is made early enough to effective shore up the system for decades to come.

Are you worried about outliving your social security benefits? Share your thoughts with us at BoomerYearbook.

www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Boomers, You Might Soon Be Able To Get Rid Of Your Bad Memories

Wednesday, January 7th, 2009

erase-memory
By Boomeryearbook.com
How many times do you wish you could forget that horrible memory that just keeps haunting your dreams? We all have those moments in our lives that we try very hard to forget. Well, good news!! You might not have to try too hard in the near future.
Eleven neuroscience researchers, ten from the United States and one from the Czech Republic, have identified a particular enzyme that they think may be directly associated with the storage of unpleasant memories. This enzyme is called PKMzeta. In December, 2008, the researchers think it is highly possible that if they injected an inhibitor into the PKMzeta enzyme, it could erase all or most of your bad memories.
Your brain is like a computer except in the way it stores and processes information. While the computer uses a hard disk to store information, a central procession unit (CPU) does all the processing. Your brain, on the other hand, stores and processes information in the same place. It is based on this knowledge that these researchers decided see if there are different cells (neurons) that do different functions.
One of the researchers, Dr. Andre Fenton of SUNY Downstate Medical Center in New York City, said that PKMzeta was found to store memories that were very highly detailed; however, those that we treasure were not distinguishable from those we would like to put into the trash. Dr. Fenton, also, stated that should this procedure become fully developed, some seriously debilitating negative memories could be targeted and erased to free the person who had the experience. He noted, also, that this procedure could be used to treat depression, stress and addiction among other mental and/or emotional problems.
At this stage of research, it is found that using the inhibitor consistently goes a long way in erasing memories in the neocortex of the brain where the PKMzeta is located. Your long-term memories formerly considered stable and permanent could be gone within a flash. The experiments that were performed revealed that with consistent application of a PKMzeta inhibitor, these memories are quickly erased.
The nature of how your brain works might present some challenges for the researchers in the future as they have to learn how to identify the cells that store unpleasant memories and those that store pleasant memories. There are still tests that need to be done to determine whether the destruction of a human brain cell will have any adverse effects on the person.
Are you excited at the prospect of this procedure being readily available? Which memory would you erase? Join us and let’s discuss this article in our forum at Boomer Yearbook.www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

How To keep Your Home When Threatened By Foreclosure

Wednesday, January 7th, 2009

foreclosed
By Boomeryearbook.com
The housing market was one the first indicators of the economy taking a turn for the worst. Many people, including a lot of Baby Boomers, began to get behind on mortgage or home equity loan payments and sooner or later came face to face with foreclosure. Foreclosure is one of the most heart wrenching problems that can arise in anyone’s life. All is not lost even if you’re faced with the prospect of losing the home that you have put so much love, care and money into. In fact, there are things Boomers can do to avoid foreclosure.
KEEP WORKING
Even though you may be close to retirement, you might have to look at working a few years longer if that is at all possible. The reason is you don’t want to deplete your savings trying to save your home; you, therefore, have to have the means of maintaining a steady income. For some Baby Boomers, this may not be an option depending on the company you work for and the type of job you do. In that case, you may want to seek alternative employment. Working past retirement is a great option for Boomers with the earning potential that would enable them to pay their mortgages easily. If you will still be struggling despite keeping your job, you may do well to retire and look at other available options.
REFINANCE YOUR MORTGAGE
If you’re earning a steady income, you can talk to your bank and refinance you loan. Ask for a lower interest rate if you have an Adjusted Rate Mortgage (ARM) or lower payments if you have a fixed-rate mortgage (FRM). Before you go in to discuss this, be sure to do your research so you know what the going rate is and how much you can reasonably ask for. This is important because no matter how nice your loan officer might seem, he/she still works for the bank – not you. You have to look out for your own best interests.
GET A FINANCIAL PLANNER
Another thing you can do is to find a financial planner to help you research the possible options you can take. Many banks offer this service for free so you will be best served by going to your bank and possibly one other to ensure that you will have as much of the information you need. Because a financial planner is familiar with the banking system, they are well equipped to give you good advice as to how to get the best deal based on your profile, i.e. age, gender, etc.
SELL YOUR HOME
Another possible solution for Baby Boomers living on a fixed income that are getting behind in payments is to sell, take the profits and buy a smaller home. The fact that you’ve paid most of your mortgage over the years means that you’ll most certainly get back more money than you owe; therefore, you should have a nice bonus left over after the sale and repayment to your bank. Your kids are grown and they only come to visit a few times a year, do you really need that big of a home? Probably not. It is often difficult to just pack up and leave a home that you’ve lived in for most of your life, but it can save you a lot of money and heartache in the long run.
LOOK INTO A ‘NEGAM’ LOAN
Another possible option for Boomers with an ARM is to get a Negative Amortization Loan, also known as “NegAm.” This allows you to keep your monthly payments the same and whatever the difference is between the interest and payment is added to the principal. This is good for those who have seen their mortgage payments doubled or tripled. The major disadvantage to this type of loan is that you will end up paying interest on accrued interest that has been added to the principal. It is, therefore, only a great option if you plan to make a lump sum payment in the very near future to reduce the principal. This may be a bonus from your job or access to your IRA or 401K.
LOOK INTO AN INTEREST-ONLY LOAN
One other loan option is for Baby Boomers to refinance into an Interest-Only Loan. This is one wherein you pay only the interest on the loan and nothing on the principal. Like the ‘NegAm,’ it is only a great option if you plan to make a significant lump payment to the principal in the near future.
LOOK INTO A REVERSAL MORTGAGE
Many Baby Boomers qualify for a Reverse Mortgage. Your home is evaluated and the sum of its value is paid to you in monthly payments. This is a reasonable option for those who’d like to stay in their homes, have made most of their mortgage payments already and have a good equity on their homes. The government housing website, www.hud.gov, offers a lot of information on how best to go about this procedure. BoomerYearbook.com will be looking further into this option in the near future so keep an eye out for more information on this option.
It is important not to panic. Keep up-to-date with the initiatives being put out by the government regarding the housing crisis. Baby Boomers should also keep an ear out for information that applies to them in particular. While there are many scam artists out there targeting Boomers, some companies are really genuinely trying to help. It is, however, essential that you do your research on any company that you choose to do business with. Don’t let all your memories and dreams be taken from you. Get informed, talk to your lender and get help now!
Join us at BoomerYearbook.com in discussing these options.
www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Baby Boomers Dealing With Disability

Wednesday, January 7th, 2009

cost-of-health-care
By Boomeryearbook.com

As we get older, getting out of bed takes a little longer and walking up the stairs becomes a little harder. Realizing that we are not able to do the things we are used to doing everyday with the same amount of ease is a cause for worry for many Baby Boomers. This anxiety is only heightened if our ailments may lead to a permanent disability in the near future. Degenerative diseases such as arthritis and osteoporosis can become debilitating over a period of years especially if not diagnosed and treated in the early stages. When facing the prospect of living with a specific disability for the rest of your life, it is easy to become depressed. It is important to know that your life is not over, and there are many ways to continue living while staying fit and healthy.
MEDICAL EXPENSES
With disability comes a number of other things for you to think about. The most significant of which is how you are going to pay the medical bills related to your disability. Medical bills can put a real dent in the pockets of ageing and retiring Baby Boomers. For some people having good health insurance coverage helps with that dilemma. Health insurance is very important because it helps to offset some of the expenses related to the treatment of your disability and the care of general health.
There are many types of health care: Those provided by your job and those that can be purchased directly from the insurance company. It is vital to know the full details of coverage of your policy because not all policies cover the same amount of health care. However, there is the daunting fact that many health insurance policies are expensive, especially for Baby Boomers. But there is hope! The government has begun to look into how they can adjust the national budget to assist those applying for health care. We, at BoomerYearbook.com, will do our best to keep you updated about this government-supported health care assistance in the near future.
YOUR HOME
A disability may also force you to have to remodel your home in order to make it more accessible. The thought of even how much that would cost is discouragement enough. But did you know that the IRS offers tax write-offs for homeowners who need to make medical-related renovations such as entrance and exit ramps, installing chairlifts, and bathroom modification? Their website (irs.gov) gives advice as to how to go about this and what modifications would be automatically approved.
We all know how hard it can get when you have to make a big adjustment in our lives, but there are ways to survive and continue to thrive. Remember that there are many resources available to help you with whatever you may be going through. Spend some time browsing local and federal websites; you’d be surprised at the number of financial assistance available to Boomers like yourself.
It is essential to keep a positive outlook in every situation. Stress and worry can destroy your body in as much the same way as other illnesses. A negative attitude not only affects the person with the disability, but his/her family and other loved ones. Surrounding yourself with positive people and participating in activities that will lift your spirits are important pieces to the puzzle of enjoying your Boomer years. Never give up, never lose hope.
Share your thoughts with us on how best to deal with a disability or an impending one at BoomerYearbook.com.
www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Baby Boomers Among Recipients of Home Health Care

Wednesday, January 7th, 2009

home-health-care

by BoomerYearbook.com

Although not yet recipients of Medicare, Baby Boomers are included among those in the United States who receive some type of home health care service. Home health care is not limited to the elderly or the disabled. The home health care industry is on the increase since the decline in the length of hospital stay in the early 1980s, and includes a broad spectrum of patients and conditions.

As members of the 45-64 age group, Boomers comprise 16.4 percent of the total number of home health care recipients, as reported by a recent the National Home and Hospice Care Survey. On the flip side, the typical (informal) caregiver is a 46 year-old woman who spends at least 20 hours per week providing home health care to a parent. Although Medicare pays the majority of all home health care claims, managed care organizations (which includes health maintenance organizations, or HMOs) are beginning to take a larger share of the home health care financing responsibility. In turn, the number of professional home health care providers is on a steady increase to meet the rising demand for services.

Home health care is viewed as a cost-effective medical service for those patients who are discharged from the hospital, or otherwise under the care of a health professional, but need extended care without the specialization of daily visits by a medical doctor. Beyond the cost-effective aspect for both provider and recipient, patients are allowed to receive rehabilitative and individualized care while maintaining much of their independence. Home health care gives the patient the valued opportunity to actively participant in his or her own care and recovery.

Some conditions that are often treated through home health care services include hip and knee replacement, chronic obstructive pulmonary disease (COPD), terminal illnesses, congestive heart failure, and various psychiatric diagnoses. What has been determined is that for those patients who take advantage of and utilize home health care services for their rehabilitative or other specialized care, the need for hospitalization is lessened. The general consensus for those conditions regularly assigned to home health care services is that patients and caregivers both indicate a higher rate of overall satisfaction with their care.

Regardless of whether the patient’s health condition is temporary or terminal, recipients of home health care services have fewer hospital stays; and, for those who do require hospitalization, the length of stay is significantly reduced.

Home health care will likely affect all of us in one aspect or another. Are you a recipient of home health care, or are you a home health care provider? What do you feel are the benefits of home health care? Tell us what you think at BoomerYearbook.com

www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist, Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.

Baby Boomers Guide to Osteoporosis

Wednesday, January 7th, 2009

osteoporosis
By Boomeryearbook.com

Our bones weaken when the protein and collagen content becomes fewer in number. Bone density decreases, making our bones porous and sponge-like. The reason for this decrease in bone mass is the slowed down activity or inactivity of estrogen (in women) and androgen (in men), which dictates the rate of the bone-building process in the body. Osteoporosis is a common health concern among adults since it can be a source of debilitating conditions. Proper awareness and knowledge of the disease can help us prevent and address this health threat.

Bone density or bone mass develops during childhood. The ossification process is completed at age twenty five; a maintenance phase follows for about ten years; and a bone activity recession happens after this phase. Both men and women lose approximately 0.3 to 0.5% of their bone mass each year as a part of the aging process.

One of the difficulties of osteoporosis is that in its early stages, it lacks definite symptoms. Sometimes it is not recognized and checked until after it has progressed and a slip or relatively minor traumatic event results in a bone fracture. Diagnostic measures include the use of bone densitometers, and the dual energy x-ray absorptiometry (DXA) scan. Standard X-ray procedures can help detect osteoporosis but bone density is typically 30% decreased by the time it appears on this procedure. Bone density testing is highly recommended to: (1) all women aged 55 years and above, (2) postmenopausal women below 65 who have risk factors for osteoporosis, and (3) women with medical conditions linked to osteoporosis.

The risk factors for osteoporosis include gender (female), race (Caucasian and Asian), body built (ectomorphs), familial history of the disease, history of traumatic injuries, cigarette smoking, lack of exercise, poor nutrition, low-calcium diet, amenorrhea, chemotherapy, and Vitamin D deficiency. Some of the medical conditions that predispose an individual to it are Turner’s and Klinefelter’s syndrome, anorexia nervosa, Cushing’s syndrome, diabetes mellitus, hyperthyroidism, hyperparathyroidism, acromegaly, lupus, and rheumatoid arthritis.

Proper diet and appropriate exercises are included in the treatment plan. Dietary considerations include ample amounts of dietary Calcium and Vitamin D. Vitamin D is crucial to the diet since it allows calcium to be properly absorbed and used by the body. Exercises can range from aerobic to strengthening and weight-bearing. Regular exercise helps one to develop muscle strength and coordination to prevent falls and fractures. Walking, jogging, and step aerobics are easily doable activities, and sports are also encouraged as per your physician’s recommendation.

Pharmacologic treatments include biphosphonates, teriparatide and strontium ranelate. Calcium supplements are also recommended. Estrogen replacement therapy is also a treatment of choice. Estrogen is both orally and topically (as a skin patch) administered.

Lifestyle changes must also be included as preventative and palliative measures. Home structural modifications, such as handrails in bathtubs, can facilitate joint conservation techniques and lessen the risks of falls.

Our bones are the framework of our body and the issues concerning osteoporosis should not be overlooked. It is best that we prevent it if possible, or present ourselves for treatment when positively diagnosed.

Share your thoughts and experiences about osteoporosis. Join us at boomeryearbook.com.

www.boomeryearbook.com is a social networking site connecting the Baby Boomer generation. Share your thoughts, rediscover old friends, or expand your mind with brain games provided by clinical psychologist Dr. Karen Turner. Join today to discover the many ways we are helping Boomers connect for fun and profit.