The real BBUS post can be found here… Baby Boomers Blog Carnival ‘Oh, No, Not Again!” by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
 This Edition of the Baby Boomers Blog Carnival has been postponed once again. I am working on setting up a submission form that can be accessed here on the Blog that will come directly to me.

I will update this post with the new submission information as soon as it is all set up.

In the mean time, keep trying the old Blog Carnival submission site to see if they actually fixed whatever problems they are having. I will continue to check them so we don’t miss any submissions.

Update: I have created a brand new page designed just for submissions to our Baby Boomers US Blog Carnival. As of now, it will be in the Header Bar and the Pages Widget in the Sidebar. I will probably be using it in all the other links that are now alloted to the Blog Carnival Site, just not yet. I’ll wait for a short time to see if they get their act together.

I’ll let you know, but in the mean time, just use either of the Blog Carnival Submission Form links I mentioned above.

Remember, when you submit an article on either form, please fill in the Category and Remark Fields to add your own description of your post. Please Submit only ONE Article per Carnival, multiple articles Will Not Be Accepted.

Since this is a community endeavour, please feel free to advise me through comments or my contact form if there is something you think I can do to improve the Carnival.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Monday Musings for Baby Boomers – What Do I Look Like? by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!

Smile!

Monday has always been a little bit of a let down, what with it being the beginning of the work week and all.

So to start things out on a bright note for the week, I bring you the…

Baby Boomers Monday Musings.

What Do I Look Like?

 There was a young couple living in an old run down house. One day the man gets home from work and his wife says, “Honey, look at the walls. They haven’t been painted as long as we have lived here. It’s peeling and cracking; couldn’t you please just paint them?”

“Who do I look like? Michelangelo?” the man replies.

“I guess not”, says the wife.

The next day the man gets back from work again. Again his wife starts to complain. “Oh sugar, couldn’t you just please at least repair the stairs? They’re falling apart and they’re really unsafe to walk up.”

The man says, “Who do I look like? Frank Lloyd Wright?”

“Well, maybe not,” says the wife.

The next week the man returns from his job. He walks into his house and is suddenly amazed. The stairs are fixed, the walls were painted and the house looked superb. “Honey…..How did you do this? It looks great!” he says. “Well I met up with a handyman down the street. He offered to repair our house if I either bake him a batch of brownies or sleep with him” says the wife.

“Well, honey, you baked the batch of brownies, right?”

The wife replies, “Who do I look like, Sara Lee?”

Hope that put a little smile on your face and Keep On Smilin’

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Deciding if Elderly Drivers Should Still be Behind the Wheel by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!

This is a Guest Post by Patricia White. If you would like to Guest Post for Baby Boomers US, check out our Guest Post for Us page.

It’s often said that wisdom comes with age, but another part of aging is slow reflexes. While elderly drivers may know all the hazards of the road, their compromised reflexes and fading vision can cause serious problems. Many families struggle with the question of whether their elderly parents should still be behind the wheel. Knowing the facts and the signs to watch for can help you decide if your parent is safe or a serious hazard.

Confusing Statistics

Carnegie Mellon University in Pittsburgh and the AAA Foundation for Traffic performed a study based on data gathered between 1999 and 2004. They found that the fatality rates for drivers over age 65 starts to climb. Drivers between the ages of 75 and 84 have a record equal to that of teenage drivers, and those over age 85 have fatality rates that are four times higher than the statistics for teens.

However, that data has changed in recent years. When reviewing accident statistics for Western new York in 2007 and 2008, it is found drivers over the age of 60 make up the largest group yet cause the fewest accidents.

Questions About Health

The problems with elderly drivers are attributed to declining health. As people age, it’s natural for certain physical abilities to start diminishing. Reflexes slow down, flexibility decreases, vision is not as sharp, memory fades and it becomes harder to focus. Medications used to treat conditions like blood pressure and other ailments can also make driving more difficult.

On the other hand, many senior citizens are still in excellent health. Their vision is fine with prescription glasses, and their reflexes are still adequate for driving. Their tendency to take things a little slower on the road also helps offset a minor shift in reflexes and flexibility.

Types of Accidents

While teen drivers are more likely to cause accidents from speeding and taking risks, elderly drivers are more likely to cause accidents due to confusion and slow reflexes. They may miss the light changing color and run a light, or they could misjudge a turn and put themselves into oncoming traffic. Confusing the brake for the gas is another common mistake made by elderly drivers who have become dangerous on the road.

Changing Attitudes

Over the last decade, growing awareness has prompted many seniors to self-regulate and give up the keys of their own accord. The wisdom that comes with age allows them to recognize that they no longer possess the skills to safely navigate the roads. Another common decision of seniors is to stop driving at night or to avoid the busy highways where reflexes need to be faster and vision more acute.<.p>

If an elderly person you know and care for is still driving, you can watch for warning signs. The best way to spot the signs is to spend some time in the car with the senior behind the wheel. If they seem confused, have to stop and think for things that should be automatic or seem less focused on the activity, then it may be time to take the keys and the license. Repeat the activity occasionally to be sure that your loved one can still drive safely. You will make society a little safer, and it’s a good chance to spend some time with your aging family member.

About the Author: Patricia White is a personal finances guru and freelance blogger for carinsurance.org.uk, a site she often recommends as a great wealth of information for learning more about car insurance. They have a variety of helpful articles, such as this one: carinsurance.org.uk/choosing-parameters-of-a-policy.html.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… This Weeks Good Reads-Week One Hundred forty by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
Every week I come across an article or two that I find very helpful to me as a Baby Boomer and think may be of some interest to you, the community, as well.

They may be from an online news source, another Blog or Website or something I found surfing around the Internet. They could even be something that was sent in by a reader of the Blog or a member of the Baby Boomer’s Forum.

Enjoy!

Good News for Everybody: Social Security is Not Going Broke by David M. Kinchen… Well, it probably still could go broke the way the politics works in Wahington, but it doesn’t have too according to this article. It will just take a little nudge from us for the politicos to make the right decisions.

I  hope you found this weeks choice(s) helpful and enjoyable. What did you think? Do you have any suggestions for next week?

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Baby Boomers Blog Carnival One Hundred forty-first Edition by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
Welcome to the May 9, 2012 edition of the Baby Boomers Blog Carnival. There are some really well thought out and insightful Boomer articles for you to peruse this week.

So, grab a cup of coffee (or tea),  sit back in your most comfortable chair, put up your feet and Enjoy.

This one’s for you!

Entertainment

terry hamburg presents Baby Boomer Dance Party That Started It All: RIP Dick Clark posted at BabyBoomerDaily.com, saying, “”Rock ‘n roll will never die…”"

General

Molly Cunningham presents 10 Reasons People Purchase Girl Scout Cookies posted at Live-In Nanny, saying, “Girl Scouts of the United States of America is an organization that was created to provide girls with a chance to develop physically, mentally and spiritually. It was begun 100 years ago in Savannah, Georgia when Juliette Gordon Low assembled a group of 18 girls for a meeting.”

Suzanne Cullen presents 10 Facts About Cereal Companies Putting Toys in the Box posted at aupair.org, saying, “One of the things we miss most about childhood is the prizes we used to get in cereal boxes. It was a genuine thrill to open up a box, pour out some of that sweet breakfast treat, and out would come a toy. There were all sorts of prizes packaged into the boxes over they years, and we’ve probably gotten most of them at some time or another.”

Rebecca Black presents 8 Biggest Credit Card Scams on Record posted at Credit Report, saying, “The age of information has made credit card fraud a prime target, and consumers should be especially cautious with their credit card information. Luckily we can learn from past cases of fraud and credit card scams, on any scale or magnitude. Here are some of the biggest credit card scams on record thus far.”

Health

Jon Anderson presents The Day I Got Ataxia, Jan. 19th 2007 posted at I HAVE ATAXIA, saying, “I’m a boomer and I have ataxia”

Randy Powell presents Keep Your Pre-Diabetes in Check posted at High Alkaline Foods Diet.

presents How Fad Diets Do Not work? posted at Good Life Weekly, saying, “The truth about fad diets, and how they can even cause you to gain weight.”

Denise Harris presents Treatment for Bone Spurs on the Feet posted at Able Mart | Disabilities and Aging, saying, “Take a look at treatment options for these painful bony growths.”

Peter Stockwell presents Do You Need a Safe Weight Loss Diet? posted at The Senior Walking Fitness Blog, saying, “If you want to lose weight make sure you choose a safe diet.”

Ashleigh Denton presents 7 Household Products That Worsen Your Allergies posted at Home Equity Loan, saying, “Spring is here, but you may have mixed feelings about it. While the weather is delightful and your garden is blooming, your allergies might render you a sneezing, red, drippy mess. Your only solace rests in antihistamines and you keep a box of tissues on you at all times. However, your suffering might not be as inevitable as you think!”

Will Blesch presents Little White Lies on the HPV Vaccines (but Here’s the Truth) posted at Health and Wellness, saying, “This is an article anyone concerned with HPV, their health, and vaccination should read.”

Retirement

Super Saver presents Reflecting on the Amount of Time Left posted at My Wealth Builder, saying, “Thinking about my remaining time in hours provided me a new perspective.”

Travel

Dr. Dean presents iPads And Tablets: Ten Ways To Keep ‘Em Safe While Traveling | The Millionaire Nurse Blog posted at Dr. Dean’s TheMillionaireNurse.com Blog, saying, “iPad’s size and weight make them great for traveling Read all about how to help keep yours from the black hole that is ‘ airline lost and found.’”

Work

Theresa Torres presents Midlife Job Loss: 5 Tips to Bouncing Back posted at man-o-pause, saying, “Losing a job in midlife can lead to a loss of self-worth and self-confidence, but by looking at the experience positively you can bounce back more quickly with the help of these tips.”

That concludes this edition. Submit your blog article to the next edition of baby boomers blog carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Remember, when you submit an article, please fill in the Category and Remark Fields to add your own description of your post. Please Submit only ONE Article per Carnival, multiple articles Will Not Be Accepted.

Since this is a community endeavour, please feel free to advise me through comments or my contact form if there is something you think I can do to improve the Carnival.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… A Short Story About Long Term Care by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
A few  years ago, December 19, 2006  to be exact, my Mom died. Then my Pop died 13 weeks to the day after Mom on a Tuesday in March.

The weird part is that Pop was born on December 25, 1920  and Mom was born on March 23 a few years later, she would never admit to what year exactly. ( More weird, all three boys in the family were born in March and the only girl was born in December.)

Anyway, when Mom died, it was kind of sudden. We had no idea that anything was wrong . She fell asleep in her lounge chair, as was the norm, and in the morning she was gone. My little sis, Karen  and I handled things so that Pop could grieve without having to deal with  all of the funeral arrangements etc.

I didn’t mention it before, but I had to tell Pop that Mom died while he was in the hospital dealing with pneumonia. Not a good thing to tell your old man when he’s not doing too well himself, let me tell ya.

Afer we buried Mom, we brought Pop home and he seemed to be doing fairly well. Or so we thought.

Karen and I went home and ‘lil sis stayed on helping Pop. Sis dealt with Pop along with working a full time job and raising her own daughter as long as possible. When it got to be too much for her to deal with every day,  seven days a week, she called me to help her out.

I went down to the house to help out. Since I work mostly online and do remote computer consulting, it was not taking away from my job too much as long as I had an internet connection.

Where is all this leading you may ask.

We had to take Pop to the bathroom, help him get dressed, stand behind him going up and down the steps… it even got to the point of having to change his diaper. Pop only lived 13 weeks after Mom died, but imagine if he had lived 13 more years.

We weren’t prepared for any of this. Care for the elderly is a lot of work and should be done by professionals. We can provide all the Love they need, but leave the in home care to the people who know how to deal with it.

I think it is time for us to stop procrastinating and start preparing so that our kids don’t have to worry about us. Let them take care of the grandkids, not us.

This is a sponsored post.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Monday Musings for Baby Boomers – Sauerkraut by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!

Smile!

Monday has always been a little bit of a let down, what with it being the beginning of the work week and all.

So to start things out on a bright note for the week, I bring you the…

Baby Boomers Monday Musings.

Sauerkraut

A doctor started an affair with his nurse. Shortly after this started, she announced that she was pregnant.

Not wanting his wife to find out, he gave her a large amount on money and asked her to go out of the country, to Germany, to wait out her pregnancy and have the baby over there.

“But, how will you know when our baby is born?” she asked.

“Well, he said, “after you’ve had the baby, just send me a post card and write ‘sauerkraut’ on the back.”

Not knowing what else to do, she took the money and went off to Germany.

Six months went by. Then one day the doctor’s wife called him at the office. “Dear, you received a very strange post card in the mail today,” she explained. “I don’t understand what it means!”

“Just wait till I get home and I’ll read it,” he replied. Later that evening, the doctor came home and read his post card which read:

“SAUERKRAUT, SAUERKRAUT, SAUERKRAUT, TWO WITH WIENERS, ONE WITHOUT!!!”

Hope that put a little smile on your face and Keep On Smilin’

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Keeping your smile bright: Tips for selecting dental coverage by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!

This is a Guest Post by Ross Blair, CEO of PlanPrescriber. If you would like to Guest Post for Baby Boomers US, check out our Guest Post for Us page.

When I was growing up it was very common for people in their late sixties, early seventies to have dentures. But today, people are living longer and healthier lives, and older adults are more likely to keep their teeth for a lifetime than they were even a decade ago.

But, as most Medicare beneficiaries know, “Original Medicare” (Parts A and B) does not provide routine or preventive dental insurance coverage. Of course, there are some limited exceptions. For example, if a beneficiary has a medical emergency that involves teeth, original Medicare may cover those emergency costs, depending on what services are needed and who performs them.

But, when it comes to keeping your smile bright, the traditional dental coverage most people are accustomed to — cleanings, fillings, crowns and dentures — are not a part of basic Medicare coverage. Some Medicare Advantage (Part C) plans do bundle in dental coverage, but not all of them.

For that reason, many Medicare beneficiaries purchase stand-alone dental insurance coverage. However, dental insurance is generally not as comprehensive as traditional major medical coverage so it’s important to do your homework before purchasing a plan.

Here are some things Medicare beneficiaries should keep in mind:

Medicare supplement insurance plans don’t provide dental insurance coverage. If you have a medical emergency that involves your teeth, routinely Medicare Parts A and B (Original Medicare) may cover those emergency costs, depending on what services you need and who performs them. And, if Original Medicare covers your procedure, a Medicare Supplement Insurance plan is more likely to cover your out-of-pocket costs for that emergency. But, that supplement will not cover preventive dental services like cleanings, fillings and crowns.

Some Medicare Advantage (Part C) plans provide dental coverage. Many Medicare Advantage plans routinely provide benefits like dental and vision coverage. So, if you’re on a Medicare Advantage plan or considering enrolling in one, check to see if the plan provides routine or preventive dental coverage before you buy a separate dental insurance policy.

Be sure your dentist takes your plan. If you have a preferred dentist, find out what plans they accept before you enroll in a plan. Websites like eHealthInsurance, and the licensed agents in their call center, can help you search for plans with your dentist in them. Stand-alone dental insurance policies are typically going to give you a far better price for services performed by dentists in their network. Almost all policies use a tiered cost-sharing system, and you pay the least out of pocket for services when you use a dentist from the plan’s network.

Read the fine print. Most stand-alone dental insurance plans have cost-sharing requirements (co-pays, deductibles and coinsurance) so you should be sure you know how much you’ll spend for regular checkups or emergency dental work not covered by Medicare. And, expensive procedures like crowns and root canals may be subject to higher deductibles and co-payments than routine cleanings or fillings, depending on the plan you have.

Cosmetic dental surgery is almost never covered. Medicare beneficiaries should not expect an individually purchased dental insurance plan to provide coverage for cosmetic or elective procedures like teeth whitening or dental implants. There may be plans out there that provide those benefits, but they’re not the norm.

Only buy what you need. If you’re over age 65, chances are you don’t need braces. And, if you don’t need braces, don’t waste money on a plan that covers them. Stand-alone dental insurance policies come in all shapes and sizes. Some plans cover everything from braces to cleanings, while others cover a more limited set of benefits. Skipping the plans that offer dental benefits you don’t need could save you money.

Don’t wait for problems to arise. If you want to buy dental insurance on Monday and have major dental surgery on Tuesday, you may be disappointed. Most dental insurance plans have waiting periods for any major dental work so don’t procrastinate.

Selecting the medical coverage that’s best for you can seem overwhelming. But with a little time and research, you can find the dental plan that best fits your needs. And that’s something to smile about.

About the Author: Ross Blair is President and CEO of Plan Prescriber, Inc., a leading provider of comparison tools and educational materials for Medicare-related insurance products.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… This Weeks Good Reads-Week One Hundred thirty-nine by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
Every week I come across an article or two that I find very helpful to me as a Baby Boomer and think may be of some interest to you, the community, as well.

They may be from an online news source, another Blog or Website or something I found surfing around the Internet. They could even be something that was sent in by a reader of the Blog or a member of the Baby Boomer’s Forum.

Enjoy!

Family Duties can threaten retirement by Craig Brimhall… When is it time to think of yourself and your money when it comes to retirement instead of your kids and your parents? Some words of advice from the experts regarding your retirement funds.

Slogans embraced by baby boomers a few years ago by Carrier Slocomb… Feeling a little down about the way things are going in your daily life? Try thinking and using a few of the slogans we used to use when things were bad and we were mad enough to try to change the world.

I  hope you found this weeks choice(s) helpful and enjoyable. What did you think? Do you have any suggestions for next week?

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!

The real BBUS post can be found here… Baby Boomers Blog Carnival One Hundred Fourtieth Edition by Joe Hauckes © Baby Boomers U. S. (The Blog) . Not on Senior Zen!
Welcome to the May 2, 2012 edition of the Baby Boomers Blog Carnival. There are some really well thought out and insightful Boomer articles for you to peruse this week.

So, grab a cup of coffee (or tea),  sit back in your most comfortable chair, put up your feet and Enjoy.

This one’s for you!

Family

Tina Marconi presents 10 Classic Kids Underdog Stories | Babysitters posted at Babysitters, saying, “People have been inspired by underdog stories for generations. We love being immersed in the classic battle between good and evil that is further emphasized by the sheer determination of overcoming insurmountable odds. It’s a good lesson to teach our children that no matter what your circumstances you can achieve great things.”

Super Saver presents The Ah-Ha Moments posted at My Wealth Builder, saying, “Ah-Ha moments can lead to a big difference in results.”

Jessica Jackson presents 10 Plants Your Kids Should Learn to Avoid posted at Summer Nanny Jobs, saying, “No one wants their child to get hurt or worse yet, poisoned. As a parent you think your child would be smart enough not to try to eat a random plant that’s inside or outside, but they aren’t. This is a learned skill and one that you have to teach them. See 10 plants your kids should learn to avoid.”

Tinzley Margolin presents 10 Common Struggles Moms Have with Dads posted at Kids Bedding, saying, “A variety of stressors assault the average family on a constant basis. Even inventions geared to make our lives easier seem only to add to the problems in our homes.”

Sara Dawkins presents 10 Great Gift Ideas for Mother’s Day posted at NannyPro.com, saying, “With Mother’s Day just around the corner, it’s time to start making those gift purchases for the special Moms in your life. Finding the perfect present for these ladies can be a challenge; here are a few tips to help ease the stress of coming up with something a little more lasting than breakfast in bed.”

General

Lindsay Samuels presents 10 Common Internet Scams Pulled on Nannies posted at Nanny Background Check, saying, “When you think about Internet scams you may think that the scammers only target old people. Those people that aren’t very tech savvy. Unfortunately you would be wrong because scammers will target a specific audience when they can.”

Dr. Dean presents 100 Words On How To Become “Well To Do!” posted at Dr. Dean’s TheMillionaireNurse.com Blog, saying, “Want to be financially successful? Check out this short mantra, and repeat it daily.”

Health

Kris presents Why is Wheat Bad For You? The Bitter Truth Revealed posted at Kris Health Blog, saying, “Why is wheat bad for you? This article explains the bitter truth about how wheat may damage your intestine, harm your cholesterol and make you fat.”

Mac Hildebrand presents How much omega 3 should I take? posted at WeightTraining.com Blog, saying, “Find the right amount of Omega 3 recommended by the American Heart Association.”

That concludes this edition. Submit your blog article to the next edition of baby boomers blog carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Remember, when you submit an article, please fill in the Category and Remark Fields to add your own description of your post. Please Submit only ONE Article per Carnival, multiple articles Will Not Be Accepted.

Since this is a community endeavour, please feel free to advise me through comments or my contact form if there is something you think I can do to improve the Carnival.

© Baby Boomers US Blog If you are reading this anywhere other than our RSS Feed Please notify us at blog.boomersus@gmail.com

If you are reading this on Senior-Zen: It is STOLEN CONTENT from Baby Boomers US

You may also want to join the Baby Boomers US Forum for conversations by Baby Boomers about topics important to Baby Boomers!