The Survive and Thrive Boomer Guide

Facts and figures for Mother’s Day 2019

While the number of people celebrating Mother’s Day is about the same as the 86 percent celebrating last year, those celebrating are expected to spend more at an average $196 compared with $180 in 2018. Consumers ages 35-44 are likely to spend the most at an average $248, up from $224, and men are likely to spend more than women at $237 compared with $158.

Newer models of gift-giving including special outings and gift cards are growing, in addition to more traditional gifts including flowers, greeting cards, and jewelry. Increased spending on jewelry represents 31 percent of the expected increase over last year.

Many of those celebrating cited finding something unique, 44 percent, as the most important factor when picking out a Mother’s Day gift, followed by one that creates a special memory, 39 percent.

Copyright 2019, Rita R. Robison, Personal Finance Writer

What should adults and kids do for Earth Day 2019?

Today is the 49^th anniversary of Earth Day. What are things we can do to help the earth?

Top 10 tips for adults.

They include using less pesticides, buying organic food, and using non-toxic cleaners.

Environmental organizations that help the earth.

You’ll find links to groups such as the Environmental Working Group, Natural Resources Defense Council, and Washington Toxics Council.

Earth Day books.

“The Great Bear Sea: Exploring the Marine Life of a Pacific Paradise,” “Earth (Elemental Journey, #1),” and “No Place Like Earth” top the list.

Facts and figures for Easter 2019

Source: WalletHub

Copyright 2019, Rita R. Robison, Personal Finance Writer

How to improve your finances during Financial Literacy Month

It’s a good time during April’s Financial Literacy Month to take a look at how you handle your finances.

What is financial literacy? It’s knowing how to manage your personal finances.

How are Americans doing with financial literacy? In a survey of 1,500 people, respondents estimated that lacking knowledge about personal finances cost them an average of $1,230 in 2018, according to a study by the National Financial Educators Council.

What can you do to improve your financial literacy?

Take a look at your finances.

If you don’t have one, you need a budget. It’s a financial plan that will help you reach your goals. To develop a budget, you’ll need to keep track of your spending. Write down what your fixed monthly expenses are such as car payments and rent or mortgage payments. Determine what your periodic expenses are. They include items such as vacations and tax payments. Then you’ll need to track your variable expenses – food, clothing, transportation, and entertainment, costs that probably change every month.

Baby boomers begin April with reflections and suggestions

April is a great month. It starts with spring and April Fools’ Day, moves to National Beer Day, World Health Day, and National Empanada Day, rushes to Tax Day, then Earth Day, and ends with Easter and Arbor Day.

Baby boomers are in a reflective mood as April begins:

Tom Sightings at Sightings Over Sixty tells us that even though he's married, there are times when he go places by himself. The store, the coffee shop, the library, the movies. Now in “If You're Alone ...,” he offers some advice for people who are wondering about going out by themselves. And the advice – or the "rules" – come from an unlikely source,

This week, Jennifer Koshak of Unfold and Begin asks a simple question. Simple, but sometimes difficult to think about. And yet this one question can help you plan your life and set your goals. What do you want your epitaph to say? Think about it, it just might change your direction.

What do we hold on to that was never ours to carry? In a short article, Carol Cassara at A Healing Spirit invites us to stop and reflect about the reasons that hard things happen.

Baby boomers also offer suggestions:

Rebecca Olkowski with BabyBoomster.com spent an afternoon at the Festival of Tea in Pasadena, California, and participated in an authentic Japanese Tea Ceremony. She learned a few things about Matcha and Pu-erh teas and now has a better understanding of how to drink them.

It’s the little annoyances of everyday life that at times consume our time, energy, and patience. Meryl Baer of Six Decades and Counting experienced one of these issues recently. A problem with Baer’s iPhone resulted in misdiagnoses and the suggestion to spend hundreds of dollars in lieu of repair. Read about her efforts to resolve the problem in “I-Phone I-Repair.”

On my blog, my guest blogger Sean M. Cleary, attorney, writes about the dangers of drowning during spring and summer fun.

This is the Best of Boomer Blogs #591. Click on the links above to read the articles. And, be sure to join in the conversations. Boomer bloggers love to hear from their readers.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Baby boomers say goodbye to March winds

While my baby boomer colleagues were busy writing articles at home, I was on a seven-day cruise in the Caribbean. It was fantastic. The weather was good, the food fantastic, the excursions interesting, and the seas not too heavy. I’ll be writing about how to pick out a cruise and top tips for first-time cruise goers. So, stay tuned.

Meanwhile, my fellow boomer bloggers were writing about:

• Spring through photos.
• The secret of retirement.
• The greater meaning of the hard things that have happened in people’s lives.
• Why granny pods are becoming popular with baby boomers.
• How to find your rhythm and flow.
• The problems women are experiencing from breast implants.

Jennifer Koshak of Unfold and Begin writes about these articles in the Best of Boomer Blogs #589. Click here to get the links to the articles. And be sure to join in the conversations. Boomer bloggers love to hear from readers.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Having fun on April Fools’ Day?

Do you enjoy pulling jokes on April Fools’ Day? I’m a fairly serious person, but I’ve pulled a few good jokes or two.

While April Fools’ Day jokes are fun, they can sometimes be in poor taste or hurt someone. For example, don’t threaten anyone, pull the fire alarm at work, or replace the water in the water cooler with alcohol. See my article “Top 10 Tips for April Fools’ Day Jokes” for what to avoid.

What are some of the most famous April Fools’ Day of all time? Spaghetti grows on trees, how to convert a black-and-white television to color instantly, fake volcanic smoke from Mount Edgecumbe in Alaska, and a fake iceberg towed in to Sydney Harbour are among them. See “The Top 100 April Fools’ Day Hoaxes of All Time” for more information on these and other top jokes.

I hope you enjoy the day of jokes. I was surprised to return from a seven-day cruise in the Caribbean to find that the cherry blossoms are blooming. It must mean that spring is finally here.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Vizio, Element, RCA, and Hisense TVs get low marks from Consumer Reports, while Apple, Samsung, OnePlus, and Google cell phones receive praise

Vizio, Element, RCA, and Hisense are no longer being recommended by Consumer Reports due to new information that shows that those brands have lower reliability compared to other TV manufacturers. In addition, survey data from the testing organization also showed that smartphones by Apple, Samsung, OnePlus, and Google are among the most reliable and most satisfying.

For the first time, brand reliability and owner satisfaction are being factored into Consumer Reports’ overall scores for televisions and smartphones, along with the data gathered during the organization’s lab testing. For reliability, Consumer Reports surveys its members about the products they own, then uses that data to make projections about how new models from brands will hold up over time. Brands that rate “fair” or “poor” for predicted reliability aren’t eligible for Consumer Reports’ recommended lists of products.

“As we incorporate reliability into our overall score for more product categories, we continue to see discrepancies in how products perform in our rigorous lab tests versus how well they hold up over time,” said Liam McCormack, vice president of research, testing, and insights at Consumer Reports. “But we know that consumers want products that both perform well in their daily lives and are reliable. Products that earn our recommendation are more likely to offer consumers the performance they demand and the longevity they expect.”

Today is International Women's Day

International Women's Day, March 8, is a global day celebrating the social, economic, cultural, and political achievements of women. The day also marks a call to action for accelerating gender parity.

International Women's Day has occurred for more than a century, with the first IWD gathering in 1911 supported by over a million people in Austria, Denmark, Germany, and Switzerland. Prior to this the Socialist Party of America, United Kingdom’s suffragettes, America’s suffragists, and other groups campaigned for women’s equality.

This year’s theme is Balance for Better. The IWD website explains the theme this way:

Baby boomers keep busy watching movies, traveling, getting healthy, and studying their nation

Every year I write about the Academy-Award nominated movies and evaluate them for violence, ageism, sexism, and diversity. The results this year? Movies are more diverse, but still too violent. And more films are needed where women and older adults are the leads.

While I’ve spent hours this week finishing up my marathon movie watching, my baby boomer writing friends are continuing to write great articles such as the following:

Travel is high on Meryl Baer of Six Decades and Counting’s list of favorite things to do. Her latest adventure found her on a South American adventure. Although not a professional photographer, she enjoys taking photos of the sights. In this week’s post, she shares photos of some of the natural wonders of the Southern Hemisphere.  

Tom Sightings at Sightings Over Sixty has been snowbirding in Charleston, South Carolina, for the month of February, where the weather isn’t tropical, but more like April or May in the north. In his post this week he takes us on a tour of the city from the vantage point of its historic harbor. So hop aboard “Sightings of Charleston” to see . . . what else, the sights.

Rebecca Olkowski with BabyBoomster.com went to visit a holistic doctor who gave her an electrodermal screening. It’s a program that gives clues to what’s happening in your body. See “How Electrodermal Screening Can Detect What’s Going on With Your Body” for details on how it works.

Carol Cassara at A Healing Spirit wonders why some people don’t get the message no matter how obvious it is. Such was the case at a recent lecture, after which some of the attendees acted out in ways directly opposed to the message of the lecture. Cassara offers a helpful way to view tone-deaf people in “What Tone Deaf People Are Really Telling You.”

Laura Lee Carter of the Adventures of the New Old Farts writes that growing up a boomer wasn’t as easy as many today think. Most boomers are under serious financial strain today, worrying more often than their parents did about money, and suffering stress-related illnesses as a result. Boomers are also feeling financially stretched because they’re supporting both their children and their aging parents. More than half of boomers still provide financial support to at least one adult child. See “Boomers: Not the American Generation Who Has Had It So Easy as You Think” for details.

This is the Best of Boomer Blogs #585. Be sure and take a look at our boomer group’s articles this week. And, do join in the conversations. Boomer bloggers love to hear from readers.

Copyright 2019, Rita R. Robison, Consumer Specialist