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coffee cupEvery 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!

 Robin Williams Death Highlights Disturbing Trend: Increase in Suicide Among Middle-aged Menby Ken Branson… “Baby boomer men are at heightened risk of suicide compared to the generation that preceded them,” says Julie Phillips, professor of sociology in the School of Arts and Sciences. “I can’t draw conclusions about Robin Williams’ death, but Williams seems to have had many of the risk factors – a 63-year-old man with a history of drug addiction, alcoholism and depression who was dealing with new physical health problems.”

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

Smile!

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. 

In Line…

Here are the reasons I’d Like to thank Wal-Mart, K-Mart, Target, and my local grocer for having 25 checkout lanes and only three open at any given time.

– Waiting in long lines keeps my domestic brain from going completely idle — there’s so much to learn!

- I can catch up on my magazine reading without buying any.

- I have time to leave my cart in line and run back to get the 13 things on my list I forgot.

- I can be one of those annoying cell phone users and catch up on all my phone calls to my insurance agent, mother-in-law, and Auntie Anne.

- I can catch a quick catnap now rather than on the drive home.

- I can assess what other people have in their carts and get exciting new dinner ideas.

- I can finally apply my top coat of nail polish with plenty of drying time.

- I can run next door and pick up my dry cleaning.

- I can update my coupon organizer and leave the trash in the we-never-open-enough-checkout-lanes store instead of my purse.

- I can practice my standup comedy routines on unsuspecting fellow customers.

- I can practice some standing yoga poses and then do those isometric muscle-contracting exercises no one else in line is supposed to know you’re doing.

- I can taste test my package of the newest low-carb, zero-transfat, Splenda-saturated cookies.

- I can breathe heavily on my T-bones so they’re defrosted in time for dinner and I won’t have to leave them out on the driveway in the hot late afternoon sun as I normally do.

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

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

We are living longer than ever, according to the latest statistics from the Centers for Disease Control. In fact, people who were born in 2009 should live to be 78.5 years, which is a slight increase from a year earlier, when life expectancy was around 78.1 years. The most current figures are even more promising: people who are born this year can expect to make it to about 78.7 years. These increases pertain to both men and women, as well as different races.

Reasons for this increase

As Consumer Healthday explains, one reason we are living so much longer is we are getting better care for serious health conditions like cardiovascular disease and stroke. Thanks to advances in medical science, these diseases, which have historically been responsible for a large number of deaths, are now being addressed earlier and in a better way, which has led to an increase in life expectancy.

Unfortunately, older is not always better

Although heart and stroke-related health conditions might have seen improvements in their mortality-related figures, The Washington Post reminds us that people who are living longer are not necessarily living better. Chronic health issues that are often caused by lifestyle choices like overeating and smoking are leading to a variety of health-related problems, including type 2 diabetes, different forms of cancer, COPD, and more. In other words, while our collective life spans are on the rise, our “health span” is not necessarily going up along with it.

How living longer impacts health insurance

Seniors who are living longer but not necessarily healthier lives are having an effect on insurance rates. As America’s Health Insurance Plans notes, older baby boomers usually use more health care services that typically also cost more than those utilized by younger patients. Because of this disparity, health care services for seniors rise in response.

Fortunately, there are checks and balances that help ensure aging seniors are not paying more than their share for health insurance. One way that states can do this is to use what are called “age rating bands” that in turn help to spread the costs of health insurance over a wide range of ages. For example, in a state that currently has a 3:1 age band, this important ratio prevents the amount a senior pays for insurance from being more than three times what a younger person pays for his or her premium.

Starting on January 1 of this year, the law now forbids this age rating band to go higher than the 3:1 ratio. While this has helped to keep insurance premiums down for seniors, it has resulted in an increase in costs for younger people who aren’t as likely to have as many health issues. Still, considering that in some states the age band was once 5:1, the new law is helping to keep health insurance more affordable for those who typically use it the most.

Of course, paying three times as much as their grandkids doesn’t make health insurance inherently affordable; seniors can and should feel free to shop around to see how they can get the best rates possible. One great way to do this is by visiting a site like QuoteWizard, which will allow you to compare quotes on a variety of insurances from several different companies.

Age and car insurance rates

As most baby boomers know quite well, advancing age leads to higher car insurance rates. As the DMV notes, this system is based on the unfortunate fact that seniors are involved in more automobile accidents than drivers who are in their 30s and 40s. Rates usually start to go up for seniors once they reach the age of 70, and they are typically due to a greater chance of impaired vision, arthritis, and cognitive issues that may impact driving ability.

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