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E-Learning - user generated "channel" and content from top universities. - a consortium of leading research and academic institutions share more than 3,500 videos. - video lectures from the world's top scholars, from Yale University and more! - video lectures from distinguised scholars and scientists, conferences, seminars and workshops.

Bookmark and Share Complete Guide and Directory is the most complete guide to information about Self -Improvement, Personal Growth and Self Help on the Internet. It is designed to be an organized directory, with articles and references to thousands of other Web Sites on the World Wide Web.


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Passionate About a Topic?  Listen or Perhaps Your Very Own Talk Show!

The VoiceAmerica Talk Radio Network is the single largest producer of original Internet talk radio programming in the world. With VoiceAmerica, listening to your favorite shows is easy.

Seven channels to choose from:
Health & Wellness
Motor Sports
Seventh Wave
Green Talk

Make an impact in the fast-paced world of Internet media by placing your message and brand identity front and center, far beyond simply "having a website" or "having a podcast". Voice America works with new, emerging and veteran media personalities to further establish and create a complete media presence to a rapidly expanding Internet audience. To learn more, or be considered to launch a 13-week pilot series for one hour a week

The World Talk RadioTM Network offers the latest conversations in a talk radio format, providing education, interaction, and advice on key issues live, on demand as well as through pod cast download. If interested in hosting a talk radio show on World Talk Radio Network, contact Jeff Spenard, President of Internet Radio at 480-294-6417 or at jeff.spenard@)

Contact Executive Producer Mark Pace at 480-553-5745 for advertising / sponsorship information or other show details.

About World Talk Radio, LLC:
World Talk Radio, LLC is a technology centric media group and the largest producer and distributor of live internet based talk radio, delivering over 1,000 hours of programming weekly on its VoiceAmericaTM Network ( and WorldTalk Radio Network ( Featuring more than 200 hosts broadcasting to eight niche community based channels: its flagship VoiceAmericaTM Variety Channel, VoiceAmericaTM Health & Wellness Channel, VoiceAmericaTM Business Channel, VoiceAmerica Sports, 7th Wave Network, The Green Talk Network, Power Up Motorsports Channel and World Talk Radio Variety Channel. World Talk Radio, LLC is one of the pioneers in internet broadcasting, producing and syndicating online audio and video, offering an innovative, effective and comprehensive digital broadcast platform. Digital Publishing through its 10 years of broadcast and media experience along with our seasoned staff of Executive Producers, Production and Host Services Group, World Talk Radio, LLC provides an internet radio platform for new, emerging and veteran media personalities to expand and monetize their business and brand in an online digital medium.


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Boomers are Zooming and Booming!

Boomers are Zooming and Booming! They are starting their own businesses, according to a Kauffman Foundation study that predicts the United States may be "on the cusp of an entrepreneurship boom."

The past year's economic upheavals also may produce more entrepreneurs among all age groups.

Over the past five years, Americans between the ages of 55 and 64 had the highest rate of entrepreneurial activity of any age group. The 20-34 age bracket had the lowest rate. The recession is increasing entrepreneurial activity among older Americans.

"While people under age 30 have historically jumped from job to job, the most striking development today has been the deep drop in the incidence of ‘lifetime' jobs among men over age 50," according to Dane Stangler, senior analyst at the Kauffman Foundation and author of the study.

"Recent economic trends - away from lifetime jobs and toward more new companies - will thus gain even greater cultural traction. New and stronger regulations aiming to prevent the rise of such giant organizations also may help create a more market-oriented society," writes Dane Strangler.


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Madonna Reinvents Herself, Why Can’t You? 3 Reasons Boomers Develop Their Own Businesses

Boomers are developing home and small businesses instead of retiring. Here are 3 Reasons Boomers are developing their own businesses:

With the recession, Baby Boomers need to supplement their income. Retirement is non-existent or doesn't stretch far enough in today's economy.

Life got in the way, Baby Boomers want to turn a hobby into a business venture just for fun or to earn income. It also might be a challenge just to see if they can do it.

Baby Boomers want to do something to help others and the world, especially if they're developing a "green" business.

Take a look at all the boomer inspirations, Bruce Springsteen, Meryl Streep, Tom Watson, Madonna, they reinvent themselves, stay fit and give it all, why can't you?


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5 Email Tips That Will Save You Time and Embarrassment

Give the email your undivided attention. If you can't respond right away, let the person know when they can expect to hear back from you.

Save the distribution list for last. This will help you avoid sending out an incomplete thought or selecting the wrong individuals.

Take care with those you copy. Think twice before hitting "reply all," and only copy people who need to be in on the conversation.

Check attachments. Insert any documents - and confirm that they're the right ones - as soon as you refer to them in the memo.

Don't hit "send" when you're angry. E-mailing when you're angry is never a good idea. Give yourself time to cool down before responding.It may be better to speak in person.




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Women and Stroke What you Need to Know to Survive

It's not a pretty picture when it comes to women and stroke. Hormonal changes put women at greater risk for stroke at certain times in their lives and statistics reveal that stroke generally proves more disabling for women than men. The good news is these gender disparities have been the focus of ongoing research in the field of stroke prevention and treatment, and the efforts are paying off as new findings from several recent studies may improve stroke prevention and treatment for women and, it's hoped, deliver a far better prognosis in the future. I discussed this research with Lynda D. Lisabeth, PhD, MPH, an assistant professor of epidemiology at the University of Michigan School of Public Health in Ann Arbor, where she and her colleagues have been looking into the issue.


Women are at elevated risk of blood clots and stroke when they take (or used to take) birth control pills or are pregnant and new research points to elevated risk for those with early menopause as well. Dr. Lisabeth and her research team analyzed 22 years of data from the Framingham Heart Study, finding that 234 of 1,430 women had an ischemic stroke (a type of stroke caused by a blood clot that blocks blood flow to the brain and is responsible for 80% of all strokes) over that time. After factoring in variables such as age, blood pressure, diabetes, smoking and heart disease, researchers found that women who experienced menopause before age 42 were twice as likely to have had a stroke. Though further study is required, these findings suggest that decreasing estrogen levels after menopause may play a role in stroke risk.


Good public awareness campaigns have made many more people familiar with the classic signs of a stroke -- sudden severe headache... numbness or weakness on one side of the body... paralysis of face, arm or leg on one side of the body... dizziness or confusion ...loss of balance or coordination... trouble speaking or understanding... visual changes, such as blurred or double vision. That list may need to be expanded to include a variety of other symptoms as well -- in a different study, Dr. Lisabeth's team examined records of 461 ischemic stroke or TIA patients, male and female, and found more non-traditional symptoms in women than men. For instance, women were far more likely to have an alteration in mental status, including disorientation or loss of consciousness. Failing to recognize this as a possible sign of stroke may delay life-saving and brain cell-saving treatment.

Yet other studies showed that when women with stroke arrive at the hospital, they typically wait longer for care. Michigan State University researchers found that women are 30% less likely than men to receive treatment with tissue Plasminogen Activator (tPA), the only FDA-approved clot-busting (thrombolytic) drug to limit brain damage after stroke. It must be delivered within four and a half hours of the onset of symptoms. The study found that women waited 12% longer to see a physician and 16% longer for brain imaging procedures, which may have affected their ability to receive this beneficial treatment.


Now, finally -- one bit of very good news. It appears that in women, a transient ischemic attack (TIA) is less likely to lead to more severe stroke in the near future. Men who've had one or more TIAs, considered "warning strokes" or "mini strokes," have a greater risk of stroke to follow. Researchers at Yale University and the University of Alabama at Birmingham found that 30 days post-TIA, women are 30% less likely than men to experience a full stroke, 14% less likely to have heart problems and 26% less likely to die.

All this information is important whether you are female or just happen to spend time in the company of women -- by which I mean, anyone and everyone should understand the many and varied symptoms of stroke. Stroke is a medical emergency in which time is of the essence. If you suspect stroke happening to yourself or someone you are with, Dr. Lisabeth advises calling 9-1-1 immediately for help, adding that patients who are transported to the hospital via ambulance typically receive faster care.


Lynda D. Lisabeth, PhD, MPH, assistant professor of epidemiology, University of Michigan School of Public Health, Ann Arbor, Michigan.


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California Central Coast Eco-Friendly Green Companies

Here are three Eco friendly companies near Camarillo, CA, two of them hiring


Deckers Outdoor Corporation, Goleta, CA

337 Employees

Deckers makes comfortable footwear such as Teva, Simple Shoes and Ugg

Casual dress, subsidized gym memberships, recyling centers and fleet of bicyles.



Patagonia, Ventura, CA

1,400 Employees

Outdoor apparel company. a run and bike trail to the ocean. Employees encouraged

to take advantage of the waves. Dedicated to wind energy, recyling and on site organic cafe.

As of May 2009 hiring numerous positions.


Redspin, Carpinteria, CA

15 Employees

Security audits for banks and corporations. Twice weekly workouts, four weeks vacation, commitment to

Heal the Bay. Office is 200 yards from legendary Rincon surf break.

As of May 2009 hiring security engineers

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Boomers Abroad

The number of Americans and Canadians living abroad, approximatley 7 Million, which is twice the population of Chicago and greater than that of 33 U.S. States, has steadily grown over the past decade and it is expected to more than double within the next 10 years. Millions baby boomers are discovering the affordable real estate and investment opportunities available abroad. Cold weather and high cost of living, medical and retirement are leading many baby boomers to consider to live abroad. Join Boomers Abroad Online Community and ask your questions to the Experts and to others that have journeyed ahead.

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The 20 Cities Where the Most Baby Boomers Will Retire

From US News & World Report | Emily Brandon 

The oldest baby boomers will turn 65 is less the two years. And that’s just the beginning of what Urban Institute researchers are calling a “tsunami of senior growth in the next decade”. The senior population is expected to grow by 36 percent between 2010 and 2020.

This graying of America won’t be spread evenly across the map. The numbers will grow the most rapidly in the intermountain west, the southeast, and especially in Texas, according to a new Brookings Institution analysis. The cities that have gained the most baby boomers so far this decade provide a clue as to which cities will have the most seniors in the next decade, say researchers William Frey, Alan Berube, Audrey Singer, and Jill Wilson. For example, the Urban Institute predicts that Georgia’s senior population will increase by 40 percent between 2010 and 2020 due to the aging in place of baby boomers alone, and only an additional 4 percent will be due to the in-migration of people age 65 and over.

The recession and housing crisis have considerably slowed migration between states and metro areas. About 4.7 million people moved to a new state between 2007 and 2008, down considerably from a record high of 8.4 million people at the turn of the decade. Florida even experienced a loss of domestic newcomers between 2007 and 2008. The amount of people fleeing New York and Chicago has also slowed in recent years. Chances are, if your city has a lot of baby boomers, many are there to stay. Here are the cities the Urban Institute predicts will have the greatest boom in baby boomer seniors.

Areas That Will Experience Senior Growth Due to the Aging of Baby Boomers

                  Metro area                                       Growth rate

  1. Raleigh-Cary, N.C.                                               31.6
  2. Austin-Round Rock, Texas                                    30.1
  3. Atlanta-Sandy Springs-Marietta, Ga.                       29.8
  4. Boise City-Nampa, Idaho                                      28.7
  5. Las Vegas-Paradise, Nev.                                     27.8
  6. Orlando-Kissimmee, Fla.                                      27.2
  7. Houston-Sugar Land-Baytown, Texas                     23.7
  8. Dallas-Fort Worth-Arlington, Texas                        22.7
  9. Colorado Springs, Colo.                                       22.6
  10. McAllen-Edinburg-Mission, Texas                          21.5
  11. Phoenix-Mesa-Scottsdale, Ariz.                            21.0
  12. Charleston-North Charleston, S.C.                        20.8
  13. Albuquerque, N.M.                                             19.5
  14. Tucson, Ariz.                                                     19.2
  15. Washington-Arlington-Alexandria, D.C.-Va.           19.1
  16. Salt Lake City, Utah                                          19.0
  17. Charlotte-Gastonia-Concord, N.C.-S.C.                 18.2
  18. Denver-Aurora, Colo.                                          18.1
  19. Nashville-Davidson-Murfreesboro-Franklin, Tenn.   18.1
  20. Ogden-Clearfield, Utah                                       18.0

Note: Growth rate refers to the gain in population age 55 to 64 between 2000 and 2007.

Source: Brookings Institution analysis

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Adventure Travel

Baby Boomers are redefining adventure travel - swimming with the sharks in Bora Bora, riding an elephant in Thailand or hiking and camping in an Amazon Rainforest. Here are some resources to enhance your sense of adventure:

Adventure Network International
Specializes in trips to Antartica
Adventure Network

World Wildlife Fund
Enjoy wildlife in their natural habitat
World Wildlife Fund

Elder Treks
Small groups and exotic adventure
Eldertreks Travel

Smithsonian Journeys
Leader in educational travel
Smithsonian Journey Travel


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Volunteer Opportunities

More than one in three American adults volunteered last year. Wherever you live there are volunteer opportunities available. Here are several national resources to review and research:

Proliteracy Worldwide
One in four adults struggle with literary challenges.
Proliteracy Worldwide

American Red Cross
Provides training if necessary
Red Cross

Meals on Wheels
Bringing food to people who are disabled or homebound.
More than one million nutritious meals are served everyday through churches, charities and community groups.
Meals on Wheels

Special Olympics
More than 700,000 volunteers at the local, state, national and international levels
Special Olympics

Big Brothers/Big Sisters
Share some fun, advice or guidance with a young person.
Big Brothers Big Sisters

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Starting Your Own Business

How Much Does it Cost to Start Your Business? Here are several popular retail start-ups and their costs as reported by New York Magazine (Feb 2006)

  • Bakery $38,000
  • Bar $110,000
  • Bike Shop $90,000
  • Children’s Store $77,500
  • Furniture Store $238,000
  • Handbag Shop $72,500
  • Restaurant $341,500
  • Wine Store $157,000

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Census Bureau Baby Boomers by the Numbers

78.2 million
Estimated number of baby boomers, as of July 1, 2005.

Number of people turning 60 each day in 2006, according to projections. That amounts to 330 every hour.

James & Mary
The most popular baby names for boys and girls, respectively, in 1946. Today, the names Jacob and Emily lead the list; James ranks 17th among boys and Mary is 63rd among girls. (Source: Social Security Administration, at

Percentage of women baby boomers in 2005.

9.1 million
Estimated number of baby boomers in 2004 who were black. Also, 8.0 million boomers were Hispanic (of any race).

Then and Now

141 million
Estimated U.S. population in 1946. Today, the nation’s population stands at about 298 million. and

33% and 5%
The proportions of adults age 25 and older with at least a high school diploma and at least a bachelor’s degree, respectively, in 1947. By 2004, the respective proportions had risen to 85 percent and 28 percent.

The Future

Average annual expenditures on health care in 2004 for people ages 45 to 54 — the age group that is the heart of the baby boom generation. When budgeting medical expenses, baby boomers should expect increased health-care spending as they age; for instance, those age 55 to 64 spent $3,262 and those 65 and over, $3,899.
(Source: Bureau of Labor Statistics at

57.8 million
Number of baby boomers living in 2030, according to projections; 54.9 percent would be female. That year, boomers would be between ages 66 and 84.

The number of workers for each Social Security beneficiary in 2031, when all baby boomers will be over age 65. Currently, there are 3.3 workers for each Social Security beneficiary. (Source: Social Security Administration, at

Number of continuing care retirement facilities in 2003. Many boomers could have parents in need of such facilities or may have to move into such a facility themselves in the future.

Staying Young and Fit

Number of fitness and recreation centers nationwide in 2003. These are good places to visit on a regular basis for boomers who are trying to become or stay physically fit.

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Easy Airport Parking

Easy Airport Parking

About Airport Parking provides information on over 400 airport parking lots at 100+ airports. Find a lot that meets your unique needs to reserve your spot.

Top three reasons you should reserve parking before you leave home:

  • Savings. Reserve online to save as much as 70% off of airport rates
  • Convenient. All lots have free shuttles, and are typically just minutes from the terminals
  • Confidence. A reservation guarantees you a spot, and lots are safe and secure


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Retirement Health Insurance Definitions

Most Americans get their health insurance through their employers so retiring usally means giving up health insurance. The federal goverment offers Medicare to replace it. Medicare is a federal program designed to provide health benefits that lower your cost of healthcare for those who have reached full retirement age or who have covered disabilities. There are two types of Medicare you can select from:

  • Original Medicare
  • Medicare Advantage

Whichever you choose make sure to sign up for Medicare three months before you reach retirement age. Applicants pay a higher premium if they delay coverage.

Original Medicate consists of two parts:

  • Part A Free to most people who have worked for 10 years covers a portion of fees incurred during hospital stays.
  • Part B Costs about $100 per month helps pay for doctor visits and associated lab procedures.

Medicare does not cover many additional healthcare costs, such as dentist or eye doctor or drug prescriptions.

Medicare Advantage - Medicare pays your monthly premium to a private insurer who enrolls you in its health insurance plans. Many of these insurers cover more services than Original Medicare, have lower copayments and offer some prescription drug coverage.

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20 Year Inflation Table

Historically, inflation is in the U.S. causes prices to rise an average of 3-4% a year. Though is may sound insignificant, the reality is very different. Over 20 years at 4% annual inflation your expenses will double. When you are retired and relying on various sources of income be sure to factor in the inflation rate. Here is a 20 year table beginning with $50,000 of expenses in year one. The table is based on 4% annual inflation.

  • Year 1 $50,000
  • Year 2 $52,000
  • Year 3 $54,080
  • Year 4 $56,243
  • Year 5 $58,493
  • Year 6 $60,833
  • Year 7 $63,266
  • Year 8 $65,797
  • Year 9 $68,428
  • Year 10 $71,166
  • Year 11 $74,012
  • Year 12 $76,973
  • Year 13 $80,052
  • Year 14 $83,254
  • Year 15 $86,584
  • Year 16 $90,047
  • Year 17 $93,649
  • Year 18 $97,395
  • Year 19 $101,291
  • Year 20 $105,342

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Restaurant Reservations with Open Table

Restaurant Reservations with Open Table

When you book a table on, your reservation is instantly recorded in the restaurant’s computerized reservation book - the same one the restaurant’s host uses to track all reservations. (It’s the black terminal you may see when you arrive at the restaurant.)

Unlike other “online” reservation services which rely on faxes or table allocations, OpenTable has live Internet connections into the restaurants themselves. So restaurant availability information is up-to-date, and your reservations are confirmed.

OpenTable is the leading supplier of reservation, table management and guest management software for restaurants. In addition, the company operates the world’s most popular website for making restaurant reservations online.

With more than 8,500 customers throughout the United States, Canada, Mexico, United Kingdom, Germany, France, Spain and Japan, the OpenTable hardware and software system replaces pen-and-paper at the host stand. It automates the process of taking reservations and managing tables, while allowing restaurants to build robust diner databases for superior guest recognition and targeted e-mail marketing.

For diners, concierges and administrative professionals, the website provides a fast, efficient way to find available tables that meet desired criteria for cuisine, price and location at a specified time. Reservations are free and can be made around the clock. The website is directly connected to the thousands of computerized reservation systems at OpenTable restaurants. Search results reflect actual, “real-time” availability and reservations are immediately recorded in the same electronic reservation book used by the maitre’d.

OpenTable works with many distribution partners, including AOL CityGuide, Chicago Tribune’s,, DiRoNA, Los Angeles Times’, NYC & Company, Time Out New York, San Francisco Chronicle’s,, and Yahoo! Inc.


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