Using Play to Help Improve Your Child's Intellectual Development

We all want our children to grow up to be smart and to this end many of us will go to a lot of effort to try and help develop their reasoning skills and their communication. Some parents even go as far as to play Mozart to their children while they're still in the womb due to the rumours that this can help to improve their IQs.

While there is little evidence to support the latter method however, there nevertheless are ways we can help our children to develop the various mental skills they need to succeed without being branded a nut job by our peers and while actually enjoying time with our children. Of course these all involve actually interacting with our children or giving them objects for them to interact with.

Using toys then and games it's very possible to help improve our children's intellectual development, so how do you go about this, and how do you choose the toys that will help your children to grow and learn? Here we will look at how to make the most of playtime to help stimulate your children.

Choosing the Toys

First of all you need to be able to choose your children's toys wisely and pick the ones that will provide the best challenge and the most stimulation for them. Note that of course any toy will help your child to learn simply from their handling them and interacting with them, but specific toys and games can help to develop particular skills. For instance if you want to nurture your child's imagination and their spatial reasoning then Lego blocks can make a great gift once they're old enough. This way they will be able to have a go at basic engineering and can learn a lot of basic physics. On the other hand a drawing or colouring pad can also be good for creativity, while on the other hand puzzles and pegs are great for getting them to develop their reasoning skills and their memory.

Playing

What's more important than just choosing the toys themselves though is helping our children to play with them. If you can interact with your children using the toys for instance, then right away you will get more from them because you will be able to ask them questions and 'test' them. Games like pairs (also called memory) are of course great for improving memory, while you can also play simple board games with them.

Getting your children to play with friends and other children though can also be very effective at improving a range of cognitive skills. This is because they will not only be forced to communicate, but will also be able to share ideas and to learn from one another. Studies have shown that IQ improves at a more rapid rate when children engage in group play compared to playing alone - so look into getting toys that they can use with one another and with you and then encourage them to be social.

Baby Boomer Health Insurance - Save Money

Before baby boomers get on Medicare health insurance, they are fending for themselves in the health insurance market.

That does not mean there are not ways to save money on your baby boomer health insurance prior to age 65... it pays to shop around.

I am now 67, so I have been on Medicare for two years... and I will admit having nothing but catastrophic insurance for 16 years prior to turning 65... I took advantage of the savings that Medicare offers me right now.

There is certainly no guarantee that the savings that I am enjoying now will continue... especially with the new health care legislation looming... do not be surprised if everyone's rates, including those over 65 go up when that kicks in.

So how can baby boomers save money on health insurance prior to age 65?

The simple answer is to go online and do your research... if you are reading this article that means that you are familiar with using the Internet for research and you should take advantage of the resources that the search engines offer.

My wife is 60, and noticed that her monthly health insurance bill went from $168 a month to $246 a month. after finding out online that cheaper programs offering essentially the same service were available from her current insurer... we called our current insurance carrier and signed up for a $182 a month policy. All with one simple phone call.

These money-saving opportunities are available to anyone willing to do some basic research online and spending a little time on the phone.

There are certain obstacles that prevent people from saving money, some of the most common are:

    Fear of having to find a new doctor
    Reluctance in changing from a company you are familiar with
    Not willing to put up with a hassle of shopping around

You can find out online what insurance plans they accept... if in doubt call the office of your current Dr. and asked them what plans they do accept.

Some are reluctant to change from an insurance company that they have been with for a long time... Insurance companies are not dummies and they know that people are reluctant to switch... the reality is that companies often offer much lower rates to obtain new customers... it makes a lot of sense to switch insurance companies every three years or so.

The last reason that baby boomers are reluctant to attempt to save money on health insurance... is the hassle of spending the time on the phone... with your current insurance company or a new one.

I don't like to spend a lot of time talking to salespeople on the phone either but when you look back on the opportunities to save money by doing so it seems to be a wise investment of time.

Boomers and the Advantages of Fish Oil

There are many advantages to fish oil for everyone but especially for Boomers. One of the many studies done indicates that it minimizes the effects of age-related muscle loss. Muscle loss can be combated with exercise but as we age, exercise alone won't maintain our muscles. In the study, women were tested doing twelve weeks of resistance exercise training as well as taking the supplement. Those taking the fish oil strengthened their muscles by twenty percent versus the eleven percent improvement with exercise only. Some of the reason for this is that it also contains an anti-inflammatory quality. The omega3 found in fish oil helps muscles function at a higher level.

Another study published in The American Journal of Clinical Nutrition showed that those given this supplement had lowered their blood pressure and improved their cardiovascular by lowering their triglycerides and regulating their heart rhythms. Omega3 can reduce the high cholesterol, high blood pressure, heart problems and strokes experienced by many Boomers as they get older.

As Boomers age, Type 2 diabetes is also a threat, becoming almost epidemic. It has been discovered there is a definite link between omega3 and diabetes prevention. Taking a daily supplement of fish oil will help, along with exercise, a proper diet and weight loss.

This supplement is also suspected of being effective for inflammation, helping to alleviate depression and to improve memory and concentration. It is also believed to help reduce the risk of cancer, specially those that are hormonal such as breast cancer, and is believed to be an immune booster.

For those who have concerns about fish oil containing high levels of mercury or other contaminants, studies have shown that they are safe for use. It has been discovered that these contaminants are in the meat of the fish and not in the oil.

For those Boomers who have not exercised, eaten healthy diets, or looked after their health over the years and have slipped instead into sedentary lifestyles, it would be a let-down for them to look back at the vibrant youth they once were, who planned to conquer the world with great ideas and never thought they would ever be one of the 'old ones'.

We don't have to be! It is up to us and how we look after ourselves. We can change our lives at any time by simple lifestyle changes, by improving our diets, exercising, losing weight and including fish oil in our daily diets as many nutritionists suggest. By doing this, we are again taking charge of our own lives as we once did when we were younger. We don't have to wait and let life happen to us. We can be proactive in our health care choices and put off many of the diseases that come with aging.

I am one of the many Boomers who include fish oil in their daily diets. Taking a daily capsule, as I do, is one way but I also include other dietary foods like sardines, or foods that are omega3 enhanced such as free range eggs.

As Boomers, I believe very strongly in the importance of doing everything possible to stave off, as long as possible, any serious health problems, and adding a daily supplement of fish oil is one of the ways to hopefully do it.

Ms. Behnish has written many articles for magazines and newspapers on subjects relating to health, families, seniors and brain injuries. She has also published 'Rollercoaster Ride With Brain Injury (For Loved Ones)' about the first difficult year following a brain injury; 'His Sins', a fiction story about how the behavior of one person can affect future generations and, 'Life's Challenges, A Short Story Collection', a collection of twenty-one stories.

7 Secrets to Get the Baby to Sleep at Night

Babies are adorable and you simply can't just get enough of them -- or can you? Let's face it, one way or the other, babies are a handful. You will pretty sure agree with that especially if you're a new parent. Probably the major issue of most new parents (and even of those who have had more than one child) is putting the baby to sleep at night. Having a Sealy Baby Ultra Rest mattress or a Sealy Perfect Rest crib mattress alone simply won't do the trick.

Little ones have irregular sleeping patterns. As such, it can be quite a challenge to develop that night time sleeping habit. Then again, you can try a number of things to help them develop a regular sleeping time at night. Of the many ways to send the little one off to dreamland, here are seven that so far, seem to be the most effective:

1. Schedule Naps

One of the best techniques is to schedule the child's naps and stick to the schedule. It's usually ideal to have 3-4 quick naps during the day time and if possible, try to keep the child awake during the late hours of the afternoon so that he or she can sleep early at night.

2. Bedtime Rituals

Habits are developed because of regular rituals. Make a bedtime ritual -- give the child a warm bath, change him or her to his or her pajamas, give milk, read a book, or rock him/her to sleep.

3. Lullabies

Lullabies are a classic, their soothing melodies can surely send anyone off to dreamland (literally anyone because sometimes parents even doze off earlier than their kids when they listen to lullabies). It's ideal to get yourself one of those CDs that you can just play over and over again until the infant gets to sleep.

4. Serene Environment

Serene = quiet. Naturally, you will want to put the infant in a quiet place that he or she can't be disturbed. Most of the time, infants are light sleepers, so you need to make sure that nothing can disturb them. Also, you might want to make sure the area is dimly lit because bright lights makes it hard for the child to get to sleep.

5. Early to Bed, Early to Rise

Everyone has a body clock that tells them when to get some rest or when to get up. To "set" the child's body clock, you need to train him or her to wake up early in the morning, take only quick naps in the day, and sleep early at night.

6. Bed = Sleep

Even at a very early age, parents have to train the baby to associate the bed with sleeping. To do this, you should avoid doing other things on the bed apart from sleeping.

7. Mobiles

Mobiles have an unexplainable way to make anyone sleepy; anyone because even adults get sleepy by looking at them too!

These are just seven of the many other ways you can try to get the baby to sleep at night. Of course, it well surely help if your child has a very comfy bed.

The Boomer Generation - Getting Active

When Boomers get active, there is less likelihood of them experiencing psychological distress or serious health problems. In previous generations, those in the Boomer age group did not lead active lifestyles. That is, unless they had been farmers, or were forced to work longer because of financial necessity. But those were not activities they enjoyed so the health benefits were not the same.

Nowadays, Boomers are becoming more and more active as they retire and have more time and often more money. They are taking up tennis, yoga, walking, hiking, swimming, kayaking and many other activities they may have previously yearned to do but had no time to experience and enjoy. These physical pursuits will not only increase their strength and mobility but will help with their general health as well. Exercise is not only good for the heart but for their mental health too. It is also a great way to socialize.

The more active Boomers become, the better health they will have, and the more physical abilities they will develop which in turn will help them to retain their independence for as long as possible. Besides being physically active, it will be important to be proactive in their medical care by taking the preventative measures of having regular check-ups and eating properly. Regular check-ups should include, for women, annual pap tests and mammograms, and for men, regular prostrate examinations. Both men and women should have regular dental examinations and an annual physical exam which should include blood tests and periodic blood pressure checks.

It is important also to retain a positive attitude and to keep in close contact with others. Besides physical activities, remaining socially active is very important and can be done by having pot luck dinners, playing cards and board games, bowling, starting a book club, going to the pool or the gym with a friend or simply getting together for a cup of coffee and a few laughs.

More and more Boomers are taking activity-related vacations which may include scuba lessons, fishing expeditions, riding a camel in Egypt or going on a walking excursion of Paris. Or they may decide to dance the night away on a Caribbean cruise, go on an African safari or swim with the dolphins in Mexico. And some may go spelunking in any number of places, visit the Outback and the Great Barrier Reef in Australia or explore the wonders of nature on the Galapagos Islands.

Whatever Boomers decide to do, it should be activity oriented in order to maintain good health and to remain independent. If necessary, they should push themselves out of their comfort zone so as to increase their activity levels. By pushing yourself a little passed where you feel comfortable each time is a great way to build on the level of fitness you have already achieved. The desire of most, as they age, is to remain independent and this is the best way of doing it.

Fourth Grade and Mrs Knoll

Growing up in a large Catholic family, of course I went to Catholic school, like all my brothers and sisters before me.

In the 1960's, most of the teachers were nuns, but there were a few stalwart souls who braved the low pay and were lay teachers. I'd like to tell you about my fourth grade teacher, Mrs. Knoll.

Looking back as an adult, I can appreciate now the things she did for us... back then you pretty much sighed and put up with it, because you had to; But now, I can see where the woman was a qualified miracle worker.

Mrs. Knoll was a no-nonsense Caucasian woman of advanced years (at least it seemed to me being only 9). She probably was in her 60's and after my class graduated, she retired. She wore her hair in a take-no-prisoners bun, but still gave off the reassuring grandmotherly vibe with her plump visage and twinkling blue eyes. She ran her classroom with discipline but kindness and her heart was as big as anything, even if she WAS awfully uncool to a 9 year old.

She brought in her own personal electronic organ and played and sung with wild abandon; it didn't matter that she had a terrible voice, she raised her voice in praise, with great joy. She taught us songs and ditties and sometimes played songs while we worked. She did the most important thing, which was make that classroom a safe, secure place where children could learn.

She taught us the arts and made us memorize poetry and prose and then recite it in class. Not only did that teach us memory skills, but it introduced us to art and literature and provided public speaking skills. This was in the time when Catholic schools did not have art or music classes, and most teachers did not include these subjects.

Catholic schools are notorious for no air conditioning, and we all watched the outside temperature gauge because, as childhood rumor went, if it went over 103F we got to go home. As a child I never realized what a scheduling nightmare that would be to call all those parents and hope they were available to pick up their children; and of course, this was before the days of cell phones and instant contact solutions. So, I can only remember one time we got to leave early.

On those very hot days, when you had gulped down lunch so you could get out to kickball and get picked for a team (even if it was last), you tore around the playground and when the bell rang, you stood in line, panting and sweaty, ready to go back into the classroom. Being a smart lady, Mrs. Knoll had us line up, girls on the right, boys on the left. She would wait for all the other classes to go inside and then she would march us to the restrooms, where the girls would go in first and then line back up; then the boys would go in. You got paper towels and wet them and wrung them out. You then put them around your neck or on your head, or you sucked on them to get the coolness on your face. She would march us into class, where we would all lay our heads down on our desks and she would start to read aloud. Instantly, we calmed down and were transported to the Island of the Blue Dolphin, following Karana, the Indian girl on her island as she discovers she is alone. Just when it became exciting, she would close the book and tell us to get out our math books.

In later years, I would teach elementary school and I marvelled at her wisdom. She might have been old and underpaid, probably underappreciated; but she knew children. She understood their needs and took them to places to open their minds. She inspired them to learn and provided a safe environment where everyone was equal.

I wish I could have let her know how 40+years later, I can still recite the lines of poetry she assigned me; how I remember her math games and holiday homemade treats she made in her wee hours at home. How the love came through and we were better for it. We need more teachers like her today so our children will use their imaginations, read, sing and learn. So, up there in heaven, thanks, Mrs, Knoll. You made my fourth grade something I have remembered all these years. You made me a better teacher and touched a new generation of children.

Contigo Water Bottles Appeal to Seniors Like No Others

If you are like I am, "up there in years," trying to drive and manipulate your water bottle while doing so can be dangerous to your health. This doesn't even take into account the major inconveniences (such as, dropping the cap while trying to steer, spilling your water, or maybe even the bottle springing a leak around the lid because you didn't get it capped just right).

So then you are left to drive while continuing to hold your water bottle (and maybe even with wet clothes) until it's convenient to pull off the road and dive for your lid that has fallen down onto the floor out of sight (not an easy trick for us age-impaired citizens!), or maybe it landed somewhere in the middle console, or maybe it even bounced way back under your seat.

Whatever, it is a bothersome situation.

Well, you need to become acquainted with Contigo water bottles, because they can alleviate all of the above! Yes, you read that right.

Contigo has a line of water bottles that will fill all your needs for water on the go and that eliminates the need to screw with a cap (pardon the pun!), because Contigo has come up with an ingenious little alternative that allows you to press the button to drink and then release it, all of which allows the bottle to re-seal itself so that it cannot leak!

So how's that for simplicity in modern technology? (Of course, those of us farther along in years know that modern technology is usually anything BUT simple, right?)

Now if you don't like the idea of drinking out of plastic, rest assured that the kind of plastic that Contigo employs to provide these little beauties is 100% free of BPA, which, according to what the Mayo Clinic states on its site that "... there is 'some concern' about the possible health effects of BPA on the brain, behavior and prostate gland of fetuses, infants and children... The FDA now shares this... concern and is taking steps to reduce human exposure to BPA in the food supply... and in food containers."

Another really handy feature of the Contigo bottles is the carabiner clip that they have attached to the bottle's handle, making it really handy to carry around, as it can be clipped onto a belt loop, purse, backpack, or anywhere else you can think of where it would be feasible.

A couple of other things you will like is that the Contigo water bottles are dishwasher safe and come with wide open mouths to accommodate your adding ice cubes, whereas so many similar products do not.

Here are a couple of "don'ts" when using the Contigo:

1 - Never ever put it in the microwave.
2 - Never ever use harsh cleaners like bleach or abrasives.
3 - Never ever put it in the freezer.
4 - Never fill it above the lid threading.
5 - Never fill it with carbonated drinks; as with any other container, the carbonation may cause it to spray or leak.

Conveniences and features aside though, Contigo provides a large selection in a variety of gorgeous colors, from turquoise to hot pink to charcoal and many others, so you're sure to find one that appeals to you. Tip: Contigos make great gifts, and you're sure to find one in just the right color for whoever you are gifting.

Start A New Career After Age 50

Do You Need To Make A Career Change After Age Fifty?

In my opinion, it is a lot easier for younger people to make career changes. Younger adults may be more flexible, have fewer current obligations, and find it easier to get hired. However, there are still some good careers that middle aged people can consider. These jobs offer reasonable salaries, on the job training, and a chance to start over after age 50!

Many older job seekers cannot afford to go back to school for a long time. That is why I tried to find suggestions that would offer on the job training so employees can begin to earn money while they learn their new jobs. I also choose jobs that offered reasonable salaries for people who already have some financial obligations and are hoping to save money for retirement.

Finally, I wanted to select jobs that were actually available. These are all real jobs that my online visitors or friends have gotten when they needed to change careers in mind-life. Hopefully, these suggestions will help you make a good career transition. You may use one of these ideas, or you may become inspired to come up with your own.

Sales Jobs

Lots of people say they would be horrible at sales, and yet they may actually have very good sales skills. Every sales person does not have to engage in cold calling or high pressure tactics. It genuinely does help if you like your job and believe in your products. Some sales jobs also lead to promotions, which could put you in a management position if that is your desire.

Retail Furniture Stores

Consider furniture stores. If you become employed at the right location, you have an opportunity to begin earning a good income quickly. If you have the skills, you may also be promoted to management, either in a store or in the corporate office. Have known several older workers, from teachers to bank managers, who ended up enjoying their second career in furniture sales. And yes, they have moved into various types of management. Better yet, they all started working at a furniture store when they were over 50 years old.

Finance And Insurance

Insurance and finance is another industry that has room for older professionals. If you are interested in these topics, and like people, you may be able to begin a flexible and profitable new career. Many states only require a test to license insurance agents, and most people can pass this test after taking a course that only lasts a few hours. The key to success is finding a good brokerage or insurance company that will train you.

3 Tips For Dressing Up Your Baby During Winters

In most cases, babies are not that adaptive and resistant to cold as adults are and you need to be extra careful if you want to keep your baby safe and healthy. The winter might be quite dangerous to your baby's health and some safety precautions must be undertaken. However, don't think that you have to overdress him. Here's more information for you to soak up, especially if you are a parent for a short time and you are interested in keeping your baby as healthy and comfortable as possible.

1. Extremities. It is vital to keep your baby's head, feet and hands protected. Usually, those are the most exposed and vulnerable parts, even for adults. Therefore, make sure that you buy a hat that completely covers your infant's ears. A scarf would also be very helpful. Secondly, make sure that you keep your feet warm by purchasing adequate shoes. Also, the hands must be protected with gloves as well. Make sure that your kid is feeling comfortable as well. Try to opt for shoes that are not that heavy and they have fur. In some cases, you can use the scarf to cover his nose as well, if the day is too cold.

2. Extra blanket just in case. It is a good idea to take with you an extra blanket as well. Whether if you travel with car or you just go for a walk with your little one, keep in mind that you can't possible know if your baby is warm and comfortable enough. If you hear him crying or screaming a little bit then it perhaps means that he is cold. That extra blanket might be very helpful in those moments. You can touch his hands and cheeks in order to find out how comfortable and warm the child is.

3. Keep it simple. Remember that you don't need to be overprotective and overdress your infant. You don't need to let it tremble because of coldness either but if he it is too warm, it can be quite uncomfortable. Just make sure that you dress him as you dress. For any eventuality, try to have another jacket or coat with you all the time, if it makes you feel safer. As another tip, try to avoid going out with your kid in very cold winter days because it can damage his health.

It is highly recommended to get your kid out in winters because it is beneficial to his health. If you dress him correctly and he is feeling warm and comfortable, it can be quite an exciting for both you and your kid. Additionally, you can speak with your pediatrician and ask him for more information regarding this subject. He will be able to tell you more details regarding what your kid should wear and when.

9

My Embarrassing Love Affair

It was love at first sight. I knew I shouldn't indulge my desires. I'm usually very practical, but I couldn't help myself. In the past I secretly snickered at people who were drawn to these wanton wishes. What was happening to me? Was it lack of excitement in my life? Literally and figuratively I knew it WOULD add spice to my life, but really, it boiled down to the fact that now that I was in my 50s I no longer cared what other people thought.

So I did it.

I whipped out my Visa card, marched over to the register and with only a hint of embarrassment I purchased two adorable, brightly-colored salt and pepper shakers in the shape of a cow. Now the cute little bovine pair is grazing on the occasional oregano and parsley flakes that litter my kitchen counter top.

This was not an easy round up. I had to halt my own negativity for wanting something I didn't need, cart the little bovine pair from where I purchased them in Arizona, carefully wrap them in bubble wrap, cushion them in a sweater, pack them in my carry on luggage and schlep my little herd back to Port Angeles, Washington.

Part of my dilemma is I have very simple tastes. For example my favorite color is beige. How boring is that? I don't even like patterned fabric. With the exception of striped surfer shirts I wore as a child (one blue, one red) almost all my clothing and most of my furnishing consisted of solid colors. Well maybe I did like the occasional hint of color in my wardrobe, but I limited it to my socks and underwear. Yet here I was yearning for a pair of salt and pepper shakers with festive designs on their little cow bodies and heads.

I noticed similar behavior when I attended my high school's 40th reunion. I hit the dance floor (no longer waiting to be asked) and watched a couple of my friends, Jan and Patsy. The pair had always been fun, but when it came to moving to the beat, they had been like the rest of us, restrained and reserved. Now they were hooping it up, throwing their arms in the air and sporting two of the biggest grins I had ever seen.

"You didn't dance like that in high school," I said with admiration.

"We're old enough we don't care anymore," they both replied in unison.

They exemplified William Purkey's quote, "Dance like no one is watching, love like you'll never be hurt, sing like no one is listening and live like it's heaven on earth.

It made me think of those wasted years I spent concerned about what other people thought and said about me and others. Not only did I refrain from sporting splashy colors, I limited my thoughts and behavior to what I deemed "acceptable" and "appropriate." What a waste of fun and creativity.

Peer pressure is a strong force. It did not shackle my thoughts, but I let it govern my choice of clothing and behavior. Of course I was resentful. When I was younger I blamed nearly all the negative things in my life on someone else. Later I learned I had better results when I no longer tried to put my focus on fixing others and try my hand at taking control of my own life. If you have thoughts that smell like manure, here are a few tips.

Negativity is not limited to the behaviors of others, it is rooted in how you perceive yourself. You've heard it a million times, but it really is true. You need to learn to love yourself. You may think you do, but look at your words and actions. How do you treat yourself? Do you say negative things about how you look, act and think?

It is essential that you stop all critical self talk. Self negativity puts a grinding halt to success and happiness. Every time you say a disparaging remark about yourself your subconscious soaks it up like a sponge. Your brain cannot distinguish between self ridicule and an offhand "I was just kidding" remark. Whatever you say or think, the brain just takes it in. It's a big "yes" machine. If you say, "I'm stupid," it writes the "Yes, I'm stupid, program." If you declare, "I will never be happy," the message becomes fact and you will never be happy. The irony is that it isn't your enemies who fling the majority of these toxic statements about. You do it to yourself.

Your wishes, good, bad or indifferent, become your brain's programming. So why not try for something that will bring you joy? That does not mean that everything wonderful you wish for will instantly become reality. But if you surround yourself with positive thoughts and begin a course of action to achieve the things you want in life, you will move your life in a happier direction.

As they used to say on the old television shows, "meanwhile, back at the ranch... "

Here is how things shook out for me and my ceramic cows.

There is no practical reason for those "move along little doggies" to live in my kitchen. My motivation is simply this - I think they are cute and they make me laugh. And that is no small thing.

Why not spice up your own life a little? Take some advice from me and the rest of the optimistic herd. Forget what others think. Dance, love and laugh with abandon. It will be a truly "mooving" experience indeed.

Re-Thinking Retirement

Most baby boomers that I know tried to do a good job of saving money for the future. However, the last few years have been rough on a lot of well meaning older workers. The well laid plans, that many baby boomers had for retirement, seemed to stutter or fail.

What Are Some Financial Problems That Baby Boomers Have Today?

The economy bled jobs, and unemployment was particularly hard on older workers who planned to keep their current position until they retirement. This meant that many older folks had to dig into their retirement accounts to pay bills, and they certainly were not adding any more money to their accounts.

Homes lost value. Many middle class people consider their house to be their largest asset. This disrupted plans to leverage a home's value for retirement income.

Market accounts also lost value, so the value of many retirement accounts have declined. Regular savings accounts and bank CDs are not paying a lot of interest. In fact, the interest that many of these traditional savings products offer will not keep up with inflation. It is hard for many baby boomers to figure out where they should put their money.

The cost of health care kept rising. Recent studies have demonstrated that this increase is mostly due to rising prices too. Baby boomers are very concerned about securing affordable access to good health care during their retirement years.

Solutions To Today's Retirement Woes

Many clever people from the baby boomer generation have begun to sort out their problems and look for answers. Many of these people had to drop their old visions of life after full time work. Some people replaced these old, and out dated ideas, with new goals and plans for the future. It is much easier to make effective retirement plans when you start early. But a lot of boomers are finding out that it is not too late to re-think their retirement plans.

There is good news. Today's older workers can expect to live longer and more productive lives than past generations. This may give them more time to act.

Some may just count on working a few more years in order to make up the gaps. Others still plan to retire from their current job, on time, but pursue some sort of semi-retirement. In fact, a lot of older folks look forward to starting a new chapter in their lives by entering a new field or starting a business.

Preparing to Sell? De-Clutter to Make the Best Impression

Getting ready to sell your home? Before putting a 'For Sale' sign on the lawn, imagine the impression your home will make on potential buyers. They will be viewing many homes before making a decision and yours must be the one that makes the best impression.

Real Estate Agents and professional organizers will vouch for the importance of getting rid of clutter as one of the best things you can do for the appearance of your home. Clearing away clutter will maximize the space in your home and allow potential buyers to envision their furniture in each of the rooms. If it's tough to see your home objectively, ask a friend for advice on what items to remove and how to rearrange your furniture so that each room is as spacious and inviting as possible.

Start de-cluttering in the kitchen and bathroom
The best place to start de-cluttering is in the kitchen; it's also the toughest room to look at completely objectively. The items on your kitchen cabinets are the things you use daily but people viewing your home want to know that there's enough room for their things; that means neatly organizing not only countertops but drawers and shelves as well.

Preparing for your move is the perfect opportunity to downsize and get rid of items you haven't used in awhile. Start by labeling storage containers or boxes with 'sell', 'donate', and 'keep'. Next, make a list of things you'll need at your new place; the things you're keeping for the new place but don't need until after the move, can be boxed to make room in the cupboards for the things that have been cluttering the countertops. Sanitize the kitchen from top to bottom with attention to the area under the sink, making sure there are no leaks in the plumbing or water stains. Then apply a fresh coat of paint to give the kitchen a clean new look and feel.

Keep the countertops free of small appliances and clutter until the move by storing items you use daily in the space you've recently acquired as you filled the 'sell' and 'donate' boxes. This will also make the tidying-up process quick and easy when your real estate agent calls to schedule a viewing.

The bathroom is right up there with the kitchen in rooms that make a big first impression. Clean it so it shines; and like the kitchen, a fresh coat of paint will not be wasted in the bathroom. Put out a set of luxurious towels reserved for when people are viewing your home, and clear out drawers plus medicine chests as much as possible keeping personal toiletries in a shaving kit and cosmetic bag.

Relocating to a seniors' community
In deciding what you'll eventually do with your furniture, note the pieces that you'll be taking with you and the items you'll be selling or donating. If you are relocating to a seniors' community you may have met with an advisor and have an idea of the furnishings provided at your new place. Many apartments in retirement homes have room for your preferred furnishings and personal décor.

Consider renting a storage unit for large pieces of furniture; this will free up space in the home you're selling and will give you a place to store the things you'll be taking to your new home. It will also allow you to take the time you may need to decide which pieces you want to sell or donate.

Your goal is to convert a browsing customer into a buyer and the first few minutes they will spend in your home are the minutes that count the most. Making a good first impression means allowing them to visualize their family living in the home that you are selling and you'll know that your investment in energy and time to make it inviting, was well worth it when your home is sold.

Senior Friendly Day-Trips

Exotic and tropical destinations don't always top the list of get-away ideas; in fact the buzz around town this season is about local attractions, weekend and day trips. Does this sound familiar? Guests visiting from out of town are thrilled about the attractions in your community; you reply in agreement while silently wondering why it's been years since you planned a day-trip close to home yourself?

It could be the economy, possibly family responsibilities are keeping us near home this year or maybe we're just noticing the possibilities (and excellent photo ops) in our own back yards!

Attractions near Alberta Retirement Communities

Lethbridge: Nikka Yuko Japanese Garden
If you're visiting Lethbridge or considering retirement in southern Alberta, a beautiful attraction is the Nikka Yuko Japanese Garden. You may be surprised to find this oasis of tranquility only a fifteen-minute drive from Columbia Retirement Community (785 Columbia Blvd. West, Lethbridge, Alberta).

The Japanese Garden was established in 1967 Canada's Centennial, to recognize Japanese citizens and their culture. The contribution of Japanese citizens to the multi-cultural community of southern Alberta was the foundation for this symbol of friendship between Canada and Japan.

The Nikka Yuko Gardens are a gathering place where Japanese and Canadian cultures meet in the form of events and activities on weekends, traditional tea ceremonies and art exhibits. Respected garden designer and landscape architect Tadeshi Kubo of Osaka Prefecture University designed the gardens with authenticity and in writing about the gardens I cannot do justice to their tranquil beauty. On a day when you need time to meditate and experiencing the Zen quality of the gardens, pack a book and an extra camera battery and enjoy the Nikka Yuko Gardens.

Edmonton: Devonian Gardens
Still in Alberta and just 35 minutes from Ironwood Estates (40 Ironwood Point, St. Albert, Alberta) is the Devonian Botanic Garden. The Devonian Gardens - part of the University of Alberta offer nearly 200 acres of display gardens and natural ecological preserves to explore. The greenhouses, indoor butterfly gardens, plus the Kurimoto Japanese Garden give nature lovers and plant enthusiasts a lot to discover. Plan to spend more than a few hours in the idyllic gardens and again, don't forget the camera.

Churchill Manor (5815 34th Avenue Edmonton) is about 35 Km from the Devonian Gardens and if you haven't already planned a day trip to the gardens, I can offer personal assurance of an enjoyable day.

Calgary: Heritage Park
Heritage Park Historical Village (1900 Heritage Drive SW, Calgary) is an authentic representation of Canada's old West. The rides in the antique midway, the town's buildings, the train cars and the contents and artifacts are an incredible collection brought together to give visitors an experience of days gone by. Walk through the homes furnished as they were 100 years ago, pick up fresh baked cookies at the general store and ride the paddle wheeler on Glenmore Reservoir. This summer, jump in on the scavenger hunt while exploring the corners of the park in a 100 Years of History celebration. Pick up a Guide to the Past at the admission gate and experience the day.

Canyon Meadows, a Holiday Retirement Community (12 Deerview Terrace SE, Calgary) is twenty minutes from Heritage Park. An outing to the historic village is most enjoyably spent with friends or family, and next time visitors are in from out of town, memories of this outing will be worthy of their own photo album.

The Sandwich Generation: 4 Ways To Prepare Yourself Now

2011 was the year the term "sandwich generation" really hit home for the first time. It was the year I turned 51 and my son turned 5. It was the year my father-in-law entered the hospital and never came home, while my mother marked her two year anniversary as a widow. Her ex-husband (my father) would soon need round the clock nursing care.

Now more than ever, it was clear that my little boy wasn't going to be the only family member who needed me in years to come.

I was now firmly wedged between a child who would need nurturing and financial support for the next 20-odd years and a set of aging parents and in-laws requiring care and support as well; a perfect example of what defines the sandwich generation.

For anyone finding themselves in this position, or if you're pregant over 40 or considering pregnancy or adoption after age 40, here are some things you might consider in coping with your sandwich generation status:

1. You are going to need to rally support from sources other than your parents.

Even if you have parents or in-laws who are healthy and willing to help out, there's a good chance that situation could change, and sooner rather than later. So make sure you have some reliable baby sitters you can call on and look for support groups.

Ideally, find a group for older moms. But at least make connections in the community so you don't find yourself alone and at the end of your rope with no one who can lend a hand or a sympathetic ear!

2. You will need to plan your finances carefully.

There are going to be three major buckets to fill: retirement, college funding, and elder care. If you've planned well, this may not concern you. But if you aren't prepared then it's time to take stock of your financial situation.

Some compromises may be in order. Or a reality check. For me that means I'm not going to retire at 65! And my son might have to settle for a vocation or be prepared to qualify for scholarships; should we encourage him to be a star athlete or honors student? Time will tell.

3. You'll need to take care of yourself better than ever before!

When they say that having kids late in life "keeps you young", think of it the other way around. You MUST stay as young and fit as possible in order to keep up! Remember, you have lots of people counting on you. As you age, little transgressions like ignoring diet and exercise will take a much bigger toll.

For example, you might find that while younger parents stay up late after their kids go to bed, your bed time more or less matches your kid's. If that's what it takes in order to get enough rest, so be it! Be kind to your body and it will return the favor.

4. You will probably not be able to provide round-the-clock care for anyone other than your infant.

Had my son already reached college age (as would be the case for a typical 50-something parent) I would have been a lot more able to help out when my father became sick. But there was no way I could care for both my little one and my parent at the same time; and most likely neither can you.

So start thinking now about how you will handle it if one or more of your parents needs care. There are lots of options these days other than nursing homes. And if you have siblings, make sure they understand how being an older parent affects the role you'll play in the family dynamic.

My husband and I have been talking lately about finishing the attic or basement to provide additional living space should one or both of our mothers need to move in. That is, of course, if they're relatively independent. Because when the time comes, heaven help me, I'll probably be dealing with a rebellious teenager as I move into decade number six.

Is Partial Retirement A Good Solution To Retirement Problems?

Could You Retire Part Time?

Many older workers planned on retiring at a certain age. Unfortunately, due to economic woes or government plan changes, these retirement plans must be put on hold. Many of these older workers realize they cannot really plan a secure and comfortable retirement with the assets they currently have. In response to these common problems, many older folks have decided they just need to keep on working.

There may be another solution though. Some clever older people have figured out how to solve some of their problems with a partial retirement. In fact, the idea of semi-retirement has gotten a lot of attention lately. Of course, these older people are in a variety of different situations. Because of this, there are a variety of different partial retirement solutions.

Many older workers do well by leveraging their past skills and experience. Some may simply negotiate part time work at their old jobs. This helps keep an experienced person around, and it allows the worker to earn some income. In some cases, they may be able to keep their employer benefits.

Others do not have the option to make their old jobs more flexible. They may have to leave their old careers for voluntary, or involuntary, reasons. However, they are still able to rely upon their past work related experience in order to find part-time work. Some CPAs have picked up book keeping or tax preparation jobs from small companies that do not require a full time staff member. Teachers may take after-school jobs as tutors or day time jobs as substitute teachers. Skilled repair people might find plenty of work, around their own neighborhood, as handy men. There are a number of options, and the right one really depends upon what you bring to the table.

There are also a lot of sales jobs that can be done from a home office, on a part time basis, and that do not require prior experience. Some examples are real estate and insurance sales. Any prior sales experience will be helpful, but many people have chosen these types of jobs for mid-life career changes.

There are, of course, people who use this time to chart a totally different course in their lives. These people choose to base their new work upon a hobby or interest. This may be more risky, but some people thrive on the passion of really doing what they love.

Great cooks might start teaching cooking classes, or even writing their own cookbook. Executives may start consulting for other businesses, or even embark upon a writing or public speaking career.

Could You Retire Part Time?

A partial retirement may provide the income you need to step out of the daily grind of your old job. You can explore a lot of different opportunities, but the right choices really depend upon you talents, skills, and passions.