Millions of Baby Boomers Have a Deadly Disease and Don’t Even Know it

Hepatitis C (Hep C), a serious, blood disease is not talked about much, thus has been flying under the radar. Yet, millions of seniors, particularly the baby boomer generation (born 1945-1965) have contacted it and may not even know it.

People live with Hep C for years, even decades without issue or symptoms. During this time, Hep C slowly damages the liver. As years pass, symptoms appear as advanced liver disease possibly causing liver damage, cancer and even early death.

It’s essential to get tested to know for sure. It’s usually not tested on routine blood screenings. You have to ask to get screened. If screened, Hepatitis C can be cured.

Why boomers? No one knows why Americans born (1945-1965) are at a higher risk. The virus was only discovered in the late 1980’s. Seniors may have been inflected before that time and only now are showing symptoms. In fact, donated blood was not screened for the disease until 1992. Control standards also in those years were not as rigid as today.

In any event, it would be advisable to any person born during those years to get tested and cured. Cure rates are around 95% with average treatment of around 12 weeks. You are considered cured when a lab test three months after treatment shows no trace of Hep C in your blood. For more information, log on to

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Healthcare Internet Awakens the “Impatient Patient.”

Hail to the digital age of cell phones, I-Pads and electronic delivery systems that deliver boodles of information to your fertile mind. Take healthcare, for instance. If you’re like most seniors you may stuck with a new title: the “impatient patient.”

No longer do you have to wait for the visit of your family physician or your local pharmacist to seek a health status update. As an “impatient patient“ you can discover options on the condition of your body and mind by logging in to the multitude of Internet outlets poised to reinforce or even second-guess the opinions of your personal health providers.

In an early study Pew Research found eight in ten Internet users have looked for health information online, with increased interest in diet, fitness, drugs, health insurance, experimental treatment and particular physicians, clinics and hospitals.

In short, healthcare has discovered the Internet and the Internet has discovered healthcare.

You can go to multiple websites like and to find trustworthy and timely health and medical news and information.

Not only that, if you partner with most providers—your doctor or hospital– you can set up your own web page on their patient website to display all the areas of your history like your health vitals, your latest blood tests, appointments to come, etc. You can even send messages direct to your doctor to communicate with he or she via the Internet on any concerns your may have during your treatment. Cleveland Clinic provides such services for their patients.

Thousands of Internet websites have sprung up helping consumers find the information they need to make health decisions. Google “healthcare” and you will have over 14 million links.

For instance, patients are provide support with one another on a loved one’s critical illness. One site that defines this is There’s even health guidance for children: And for you senior travelers, look to

People more and more prefer to investigate their health concerns in the privacy of their homes before trotting off to see a doctor. The Pew study revealed that 41% of Americans used the Internet to determine whether or not they would seek medical help. For a list of the top medical sites go to

What do physicians think when they receive an “impatient patient” who has researched his illness to become an instant expert before seeing the doctor? I think most doctors would say: “You should not believe everything you read on the Internet….”

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The Four Best Vitamins Seniors Can Take To Boost a Healthy Lifestyle

We ‘re going to talk about taking out an insurance policy on your long-term health.

You know eating the right foods, exercising, mental contentment…the whole drill is essential for folks moving along at age 50 plus. But first, do you really need a bunch of vitamins to keep you walking vertical? Maybe no, if you’re nourishing yourself with vegetables, fruit, meat, fish. All those good eats your mother harped on. If so, vitamins might be off your calendar.

However, if you are sugar sufficient, diet drink dependant and a religious meal skipper. Then vitamins might be a support ticket to you feeling better and having your inside machinery working better and not cracking before its time.

Your doctor has a part in this; ask him or her if a vitamin regime would be a good idea to add to your diet. Remember, some of these pills don’t mix right with other prescription drugs you might be taking now.

If you’re given green light, here’s the big four to take regularly to do the best job for your body and mind.

Vitamin D. The sunshine vitamin as your body only needs around 15 minutes or so a day in the sun to fulfill your needs. However, if you are snowed in solid in North Dakota or there-a-bouts during the winter, it might not be a bad idea to take this essential vitamin. This vitamin can help reduce the risk of osteoporosis, a condition that brittles your bones and make them prone to breaking easily. Also taking the right amount of vitamin D may also reduce the risk of different types of cancer. Again, here is where your doctor could advise by setting the amount of vitamin D3 or D2 (vegetarian).

Calcium. Here’s a near relative to Vitamin D. Calcium and D work together to keep the bones strong. As you age, calcium tends to dissipate from your bones putting you at risk for osteomalacia, a softening of the bones. As there are a myriad of calcium types, consult your doctor for the right dosage to be compatible with Vitamin D.

Iron. Here is a member of the mineral family found in your red blood cells. If you possess an iron deficiency, you may suffer anemia. This creates a symptom of chronic fatigue. As you get older, you may not consume enough iron in your diet. Iron is another supplement that needs the OK from you primary physician. It will pump up those red blood cells to return the energy of youth.

Vitamin B12. All the cells in your body including your brain and spinal cord need Vitamin B12. A deficiency in this vitamin can cause agitation, confusion or even hallucinations. Vitamin B12 is found in animal protein. Vegetarians should be aware a lack in Vitamin B12 can lead to anemia, like iron deficiency.

There’s the big four. These vitamin and mineral supplement can contribute to a healthier lifestyle. Teamed up with your primary doctor and pharmacist with the right combination of these supplements capped with a healthy diet and exercise can reap the benefits of keeping you fit for life.

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Baby Boomers Biggest Worry: Am I Going to Outlive My Money?

Rollover! A new retirement book targeted directly to 76 million Americans born between 1946 and 1964 on the best course to take with their 401ks and other savings accounts when they depart the work place.

They are called “Baby Boomers” and reflect accurately the most wealthy, most active, healthiest, and possessing the most political clout of any definable group in our nation’s history.

Unfortunately, this group never met a purchase they didn’t like.

Thus, boomers are the most ill prepared group as a whole in our nation’s history to retire with financial stability.

The time is right for a book that brings to the table the best course of action for millions of aging boomers who have 401(ks) and other like retirement plans.

The number one concern this group has (latest research) is the possibility of outliving their money when they retire. Boomers are bombarded almost daily with breaking stories about retirement and a coming retirement crisis with shortfalls on everything fromSocial Security to healthcare services.

Rollover! It’s a timely book with a cutting edge title needed by millions of advancing retirement age Americans with nest eggs saved during their working years who are now becoming perplexed and worried over the prospect of not knowing how to protect and preserve these assets during their retirement years as income and beyond as an inheritance for their children.

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The Historical 4% Retirement Savings Withdraw Rate May Not Hack it for Present Day Retirees

If you’re retired or going to be, there’s a rule of thumb covering the money amount you should withdraw from your savings yearly to maintain your retirement lifestyle.

That rule of thumb amount is 4% yearly drawn from your retirement savings you should take out to cover your spendable income.

This concept was developed by financial advisor William Bergen in 1994 who said that the 4% withdraw rate would be safe and secure for an average couple ‘s retirement savings over the lifetime of 30 years.

Since then, most financial planners and brokers out there have advised clients that the “4% rule” is gospel. However, what worked in the nineties does not apply today. In fact, latest research says that the historic 4% annual withdraw rate may jeopardize retiree savings so much so that many will be in danger of outliving their income.

More and more financial experts are recognizing the 4% rule is twice the amount the average retiree should take out of his/her retirement fund without depleting family’s assets.

The safest level today and the future forecast is around 2% for retirees who have limited savings assets for a successful long -term retirement.

Your life span plays an important role in determining if this rate is going to be sustainable, as retirees who live longer need their portfolios to last a longer period of time, and medical costs and other expenses can increase as retirees age.

Retirees! If You’re Cluttering Your Life, You Might be Cluttering Your Mind Too

Cluttered Desk | Office Jungle

Let’s face it. If you’re a potential or ongoing retiree you have accumulated a bunch of stuff over the years. You know, the dated newspapers from Lindburgh’s flight, 50 teacups from estate sales, the stuffed moose head from that once in a lifetime trip to Alaska.

It’s all there. Stuff stuffed in drawers, a skimpy attic and a garage that is no longer made for a car, now a refuse can for everything that can’s fit into a natural habitat.

No lectures. You know who you are if you qualify as a seasoned retiree hoarder. Or you may be just a messy person who doesn’t know what to do with the next big thing that comes across the threshold except to keep it.

I’m here to tell you that your reluctance to discard the daily newspaper may be affecting your brain health. If clutter that is around you–a crowded desk, closet, or living space­­­­––creates in your mind a subtle discomfort, mild confusion or a stressed out feeling, you have got it..

Such daily disorganization can boost the level of stress hormones, impairing memory, reducing your concentration and even impairing your physical health.

You might be convincing yourself that you may need a particular item “some day.” Placing your treasure atop another precious item becomes just another pile of unnecessary items that you just can’t part with. In fact, serious hoarders can accumulate so much stuff that their home is overwhelmed with hills of old clothes, 45 RPM records, yellowed newspapers and dusty knick-knacks.

So if you qualify with a hoarding disorder or obsessive-compulsive disorder (OCD), there’s no hope for you in this article. Our advice, go to your nearest psychiatrist to get well.

If you are just messing around with compelling evidence which shows clutter prevents your brain from focusing and processing information—and you have those feelings of anxiety, then take a few of these tips home with you.

  1. Start small: Do one room at a time or even a particular drawer, desktop or closet
  2. Begin with a familiar space: Not the attic but an area you use frequently (desk)
  3. Sort according to need: Keeper box; Throwaway box; Give away box and uncertain box.
  4. Keep frequently used items in sight: dish or basket at the door (i.e. keys, wallet, etc) Little Used Items out of sight (in attic or back of closet)
  5. Set up your own de-clutter time. Spend 10 minutes a day sorting out things you don’t need. In that way, clutter will not raise its ugly head again.


Handle with Care: Your Retirement Savings

Senior couple having a meeting with insurance agent and making a new plan for their savings.
Senior couple having a meeting with a Financial Planner and making a new plan for their savings.

Once upon a time, there was a retirement nest egg, not those chicken laying eggs but a make-believe egg that was filled with money that the egg’s owners were planning to save and grow to have adequate income during retirement.

Source: Handle with Care: Your Retirement Savings