About the Author
Nancy Shonka Padberg
Mary Mills Barrow
Nancy Shonka Padberg
Dr. Barton Goldsmith, Ph.D.
Nancy Shonka Padberg
Nancy Shonka Padberg
Helga Hayse
Nancy Shonka Padberg
Nancy Shonka Padberg
Deena Russo
Mike Bonacorsi
Mike Bonacorsi
Mike Bonacorsi
Dr. Barton Goldsmith, Ph.D.
Helga Hayse
Helga Hayse
Dr. Barton Goldsmith, Ph.D.
Mary Mills Barrow
Adeline Ashley
Luis Miranda
Mike Bonacorsi
Adeline Ashley
Jennifer Jestin
Sarah Shonka
Mike Bonacorsi
Mike Bonacorsi
Adeline Ashley
Luis Miranda
Helga Hayse
Best Boomer Towns Columns
U.S. Baby Boomer Towns - Suggestions from Forbes
Much has been written about where “empty nesters” might move as their children move off on their own. One longstanding favorite is the notion that, having jettisoned their children, the boomers will also desert their suburban communities for the bright city lights. Unfortunately for developers — some of whom have invested heavily in high-end housing for urbanizing “empty nesters” — the actual data do not support this thesis. Indeed, our analysis of migration by this cohort in the past 10 years shows a 10.3% decline among core city dwellers, a loss of some 1.3 million people over the past decade.
For this analysis, Forbes, with the help of demographer Wendell Cox, looked at population numbers from the Census for boomers aged 45 to 54 in 2000 and compared them with the numbers for those ages 55 to 64 in 2010. Much has been written about where "empty nesters" might move as their children move off on their own. One longstanding favorite is the notion that, having jettisoned their children, the boomers will also desert their suburban communities for the bright city lights.
Link to Full Story Here and Towns Here:
http://www.forbes.com/sites/joelkotkin/2011/08/12/biggest-boomer-towns/
What is Sun Protective Clothing?
You may have heard the term "sun protective clothing" and thought, isn't all clothing sun protective? Simply, the answer to this question is no. All clothing is not created equal when it comes to sun protection.
There are a number of factors that affect the level of ultraviolet protection provided by a fabric. In order of importance these are: weave (tighter is better), color (darker is better), weight (also called mass or cover factor - heavier is better), stretch (less is better) and wetness (dry is better). Recently, the addition of chemicals such as UV absorbers or UV diffusers during the manufacturing process has become another important way to create UV protection in summer fabrics.
Regular summer clothing does not always provide sun protection. In fact, most regular summer clothing provides poor protection against ultraviolet radiation. Many open-weave, light-weight summer fabrics, like those used for t-shirts, provide less UV protection than an SPF 15 sunscreen. In addition, summer clothing - sleeveless blouses, backless sun-dresses, shorts, bikinis, t-shirts are clearly not designed for sun protection. A major goal for sun protective clothing designs is to cover as much skin as possible while still making the garment cool, comfortable and fashionable. Regular summer clothing styles are typically designed to expose skin - arms, neck, shoulders - rather than cover it.
The most comfortable sun protective fabrics are typically sophisticated, technical fabrics that are lightweight, cool and easy to wear. Coolibar, the most recommended and tested sun protective clothing company, has embedded zinc oxide (ZnO), a natural mineral compound with well-established sun protection properties, into the fibers of natural cotton and bamboo to create ZnO SUNTECT® fabric. Coolibar also developed lite SUNTECT® fabric which is light-weight and highly protective because it contains a UV diffuser - titanium dioxide - embedded in the microfibers. Coolibar's aqua SUNTECT® fabric is a knit swim fabric that stretches but contains no lycra so holes do not appear in the fabric as it ages in salt and chlorinated water. The entire portfolio of Coolibar SUNTECT® fabrics provide sophisticated sun protection and is rated to block 98% of harmful UV rays for maximum protection.
Sun protective clothing is economical, environmentally friendly and the most effective way to protect your skin from the harm caused by UVR. Sun protective clothing is also recommended first by both the American Academy of Pediatrics and the American Academy of Dermatology as the most effective means of sun protection. Be sure to use broad spectrum sun screen on any skin left exposed and wear a hat and sunglasses.
It's never too late to protect your skin, and by doing so, you may help prevent skin cancer.
Not Done Yet - Inspiring, Empowering, Optimism and Belief in Self
The website offers articles of interest, stories of reinvention and a cool on-line store. The Shop features beautiful and excellent quality American Made tees, tanks and thermals for women and men as well as fun gifty items like bling water bottles and mugs. In addition, ndy is very proud to donate a portion of every sale to Womens cancer research, Alzheimer's and grief support services.
Shop ndy for the Holidays! http://www.ndynotdoneyet.com/shop.html
10 Instant Emotional Fitness Tools
1. Wash your hands and face and brush your teeth. It cools your body, which is relaxing, and gives you that "fresh start" feeling.
2. Put on clean socks and some shoes that you haven't worn in a few days. Shoes take a day or two to release any moisture they have absorbed, and this is a very easy way to put a little pep back into your step.
3. Give yourself a good shave (face or legs). This is another instant refresher. Plus, when we know we are looking our best, we naturally feel better.
4. Look at any trophy, diploma, or certificate of achievement that you have earned. And if it isn't framed and on the wall, frame it now. These are reminders of your accomplishments, and taking in your success is important to maintaining your self-esteem.
5. Remember your last (or greatest) success and think about it for sixty seconds. Taking in your success as often as possible will help you reach another and another. Quite simply, it reminds you that if you've done it before, you can do it again.
6. Know you are the person your kids or other loved ones think you are. Knowing that you are unconditionally loved can't help but make you feel good about yourself.
7. Wash your car, inside and out. Hey, when our wheels are shiny, we feel better. If you don't think this applies to you, just remember how you felt the last time you got a ride in someone's very funky car. Race you to the car wash.
8. Organize your closet and get rid of anything that no longer fits. Old clothes may come back into style, but you really don't want them on hangers for the next twenty years. Throwing out the old makes room for the new. For some, the feeling they get from putting on a new "power suit" fills them with pride.
9. Cook a lovely meal. Even if you are by yourself, preparing a tasty dinner, setting the table, and treating yourself to a wonderful culinary experience will lift your spirits. Sharing it with someone you love and/or respect will make it even more nurturing.
10. Look around you, remember that you started with nothing, and know that everything you see, you created. We can all lose our feelings of self-worth, especially when something goes wrong in our world. The truth is that if you have done it before, you can do it again-no matter what.
None of these tasks has to be uncomfortable or take you much time. Finding ways to give yourself a little boost when you're not feeling like you're at the top of your game is a trick that truly happy people use on a regular basis.
Pulte Homes New Site in the Triangle Near Brier Creek
Pulte opened an active-adult community in Cary, Carolina Preserve at Amberly, in 2006 under the company's Del Webb brand. Other age-restrictive developments in the Triangle include Heritage Pines in Cary, Chapelwood in Chapel Hill and Summerwinds Plantation in Clayton.
Excerpts from David Bracken at The News Observer
Media expert Nancy Shonka Padberg Turns Spotlight on Top Boomer Issues
What images spring to mind at the mention of "baby boomers?" Executives? Yoga teachers? Botox? All of the above?
Media expert Nancy Shonka Padberg turns the spotlight on top issues facing the baby boomer generation.
By Emily DiFrisco
The multifaceted baby boomer group comprises 78 million people living in the United States today. They fall between the "Silent Generation" (the children of the Great Depression) and Generation X. Born between 1946 and 1964, baby boomers are the healthiest, wealthiest, most educated, and prosperous generation thus far, plucked right from the pages of American history.
Boomers saw the U.S. change from a manufacturing economy to a knowledge economy. They saw the formation of the Interstate Highway System, enabling their families to "pack up the station wagon" and travel like never before. They were able to leave their hometowns and go to college. They embraced technology, as they saw the number of television sets grow from 4 to 50 million from 1950 to 1960.
"In the industrial age, it was all about product, price, place, and promotion," says Nancy Shonka Padberg (MBA '03), founder of Best Boomer Towns, Inc., and Navigate Boomer Media, LLC. "The manufacturers pushed the product to the customer. You could get your Ford in black or black. In the knowledge age, it is all about consumers, cost, convenience, and communication. The consumer is in charge. And I would argue that the boomer consumer is in charge."
Even as they age, baby boomers still control 70 percent of the total net worth in the U.S. They spend an average of $3 trillion dollars per year and an additional $7 billion online. They purchase 41 percent of new cars and shell out for 80 percent of luxury travel.
Padberg, a former Fortune 500 executive, first discovered the baby boomer market as vice president at The Phelps Group, where she worked on campaigns for Fairmont Hotels, PETCO, and Whole Foods Market. "All these companies have research on their clientele," she explains, "and the research was astounding. Specifically, with PETCO, we found that baby boomers and empty-nesters spent the most on their pets."
As part of the team developing TV, print, and radio campaigns, Padberg strove to help advertisers understand and reach the boomer audience. She asked her clients, "How do we connect with boomers emotionally? It was easy with animals. We really had some terrific commercials for PETCO."
Seeking to start her own marketing firm and realizing that with knowledge comes opportunity, Padberg went back to school, earning her MBA from the Graziadio School of Business and Management of Pepperdine University, where she "saw all the pieces come together." In marketing class, she again studied the demographics of boomers. She also learned the two biggest takeaways for a startup: have a clear point of differentiation and develop a healthy culture.
Parlaying her knowledge from school and her career, the Iowa native developed a business plan for Best Boomer Towns, Inc., which launched in 2005. The Web site serves as a destination for boomers to find and exchange information on the best 21 locations in the U.S. to relocate or retire.
Recognizing additional needs in the marketplace, Padberg brought together nine media colleagues, including Pepperdine alumnus Kyle Murphy (BSM '04, MBA '05), and launched Navigate Boomer Media, LLC in Fall 2009. Navigate allows time-starved media buyers and marketers to buy display advertising on 10, 15, or 20 Web sites at a time. Launched in 2009 with 50 sites, the company now represents 119 sites with over 112 million unique visitors per month.
"Boomers spend an average of 15 hours per week online," says Padberg of her decision to create online businesses. "Print and radio can't say they have their audience for 15 hours per week. The largest segment of the population is coming through and embracing new technology like never before. In fact, the fastest growing segment on Facebook in the last year has been women 50-plus."
Not even one year later, Navigate Boomer Media has emerged as the No. 1 online boomer ad network in the U.S. They represent boomer-focused Web sites such as vibrantnation.com, grandparents.com, and silverplanet.com, and publish original content for Web sites, blogs, social networking communities, and streaming radio. The business is now expanding into Canada and Southeast Asia.
While the young company continues to grow, Padberg observes, "We're not a Fortune 500 company, we're not corporate. We wear quite a few hats. We're nimble and can make quick decisions. We know that we have the right media with the right target audience, at the right time."
Summer 2010
Pepperdine Magazine Article August 31, 2010
The Unpretentious Warren Buffet
I admire Warren Buffett, not because of his wealth, but because of his lack of pretention. He doesn't believe that giving money to his kids equates with giving them love. He wanted them to carve out their own path and believed that 'setting them up with unlimited wealth is harmful and an anti-social act.'
His decision to donate nearly $37 billion to the Gates Foundation may have shocked the world, but it came as no surprise to his three children, whom he'd consulted first.
A few years ago, his children, Susan, Howard and Peter said they supported their father's decision not to leave all his money to them. http://abcnews.go.com/print?id=2133209
"The truth is it would be insane to leave us that much money," said Susan Buffett. "It just would be."
Buffett gave $1 billion to his children's three charitable foundations: the Susan A. Buffett Foundation, which focuses on early education for children of low-income families; the Howard G. Buffett Foundation, which has helped 42 countries; and the Novo Foundation, Peter Buffett's organization for democracy. They each draw a salary from their work.
Keep in mind that the Buffett kids grew up in a 3 bedroom, 2 bath house in Omaha Nebraska. They attended local elementary and high schools . Their friends were neighborhood kids who actually played without needing play dates or being chauffered from house to house. The Buffett kids grew up without pretension; money wasn't the way they measured their parents' love.
Each Buffett sibling recently received a letter from their father in which he wrote: "I consider myself lucky to have three children who want to spend much of their time and energy working on projects that will benefit others. I am proud of what you are doing and your mother would be proud as well. Love, Dad."
I like this man, in spite of his wealth.
California Personal Income Tax Information
Personal income tax
* California collects income tax from its residents at the following rates.
For single and married filing separately taxpayers:
1.25 percent on the first $7,060 of taxable income
2.25 percent on taxable income between $7,061 and $16,739
4.25 percent on taxable income between $16,740 and $26,419
6.25 percent on taxable income between $26,420 and $36,675
8.25 percent on taxable income between $36,676 and $46,349
9.55 percent on taxable income of $46,350 and above
* A 1 percent surcharge, the Mental Health Services Tax, is collected on taxable incomes of $1 million or more, making California's highest marginal rate 10.55 percent.
* For married persons filing joint returns and heads of households, the rates remain the same but the income brackets are doubled.
* Residents must complete returns on Form 540EZ, Form 540A (short form), Form 540 (long form) or Form 540-ADS by April 15. When that date falls on a weekend or holiday, filers get until the next business day to submit their state returns.
* You might be able to file your California return electronically at no cost using CalFile if you meet the program's eligibility requirements.
* With Ready Return, eligible California taxpayers can view a pre-filled state tax return, update it if needed and e-file it directly with the state, all at no cost.
Are you Ready for Retirement?
Have you made your list of passions, hobbies, sports?
Do you need to work after retirement for financial support?
Do you feel confident of financial security for twenty five years?
Do you have an emergency medical fund or insurance for retirement?
Do you have the money set aside to thrive in retirement?
Have you thought about the kind of home you want to live in?
Have you thought about the town, weather, cost of living and culture of the area?
Baby Boomers Improve Arthritis Symptoms With Exercise
Osteoarthritis begins with the breakdown of joint cartilage resulting in pain and stiffness. The joints of the hips, knees, spine and fingers are most commonly affected. Other joints that are less frequently affected are the ankles, wrists, elbows and shoulders. Osteoarthritis can be caused by work-related repetitive injury and physical trauma.
Rheumatoid Arthritis is more serious because it causes inflammation of the joint lining called the synovium. This can cause pain, stiffness, swelling, warmth and redness. The joint affected may lose its shape resulting in loss of movement. This type of arthritis can also affect the blood, the lungs and the heart. Usually women are more likely to be affected with RA and it is most common in the age range of 25 to 55. Children can experience this as well in a form called juvenile RA..
Studies have shown that exercise helps people affected by arthritis in many ways. It will reduce joint pain and stiffness and increase flexibility. Other benefits include muscle strength, endurance and cardiac fitness. Weight reduction from an exercise program combining strength training, flexibility training and cardiovascular activity can improve one's sense of vitality and well-being..
Before starting any exercise program, it is imperative to discuss your exercise plans with your physician. The amount and form of exercise recommended for each individual will vary depending on which joints are involved, how stable the joints are, the amount of inflammation, and if a joint replacement procedure has been done.
It is recommended to have a skilled physical therapist that is trained in medical and rehabilitation needs of people with arthritis to design a personalized exercise plan.
A skilled personal trainer must communicate with the physical therapist or physician to follow the format that has been prescribed and to understand the limitations and needs of the individual.
There are 3 types of exercises that are best for people with arthritis.
1,Range of motion exercise helps to maintain normal joint movement and relieve stiffness of the joints. An example would be gentle stretching and slow circular motions with the joints. An option can be slow, easy yoga where breathing is combined with relaxing, gentle moves.
2.Strengthening exercises help to increase muscle strength, which helps to support and protect joints affected. Properly lifting light weights is a good way to start to increase muscle strength. As you get stronger, you can gradually increase the amount of weight.
3. Aerobic endurance exercise improves cardiovascular fitness and improves overall function.
Some examples of aerobic exercise are riding a bicycle, brisk walking or swimming. Weight control is important because extra weight can put more pressure on joints. Some studies have shown that aerobic activity can reduce inflammation in some joints.
It is important to avoid strenuous exercises during acute periods of inflammation. However it is still important to gently move joints through their full range of motion during these periods. Exercise during times in the day when pain is typically less severe.
An adequate warm-up and cool down periods of 5 to 10 minutes is important and can help to avoid exacerbating the joints. Wear shoes that are shock absorbent and create the most stability. Heat applied to affected areas before exercise and ice afterwards can be helpful.
Heat can be applied before exercise to the surrounding muscles to help us warm up the troubled area by increasing circulation. This helps muscles and tendons become more pliable while it aids joint movement. Ice can be applied after exercise to reduce the inflammatory process that brings swelling.
Once again, I suggest that you get a doctor's approval and a plan designed for you specific needs. Once you begin, you will start to feel more energy and vitality. Exercise will give you a better quality of life.
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