• Stephen F. Barnes

    Living longer, healthier lives, Boomers are rejecting their parents' version of retirement -- and changing their future in the process.

    Like every other phase in their lives, Boomers are busy redefining retirement -- "busy" being the key word.

    San Diego State University professor Dr. Stephen Barnes, a specialist in adult learning and Boomer issues, discusses some of the many choices Boomers are facing, the effect these are having on the workplace, and the future world Boomers are inventing for themselves.

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  • How you feel affects your desire for new things.

    Here's research that hits close to home. Because when you're feelin' blue, home is where you want to be. 

    This is more than common -- it is behavior you can count on!

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  • Older people are too often the target of financial scams and money-focused manipulation.

    We've seen this all too often: Joey wanted to cash a large check from his grandmother's account. A bank employee called his grandmother, Joyce, who said her husband had recently died and that her grandson was helping out. Further review of Joyce's account revealed expenses for electronics, auto accessories, and adult entertainment. Joey was not using the money for his grandmother's benefit.

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  • Here's what to consider if you're thinking about a job change late in life.

    Q: I've been with the same company for the last 9 years, and I've recently realized I'm ready for a change. The problem is that I'm 56 years old, and intimidated by the prospect of looking for a new job.

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  • Plan now for an Advanced Health Care Directive and Power of Attorney, before you and loved ones need to use it.

    Several times a month, a call comes into Elder Law and Advocacy's office in San Diego that goes something like this: "Hello, my wife (husband, or parent) has advanced Alzheimer's disease and her doctor told me I need to get power of attorney. Can you help me?"

    Misconceptions about creating and using a power of attorney for health care or finances creates problems for many families. Here's what you need to know.

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  • Warrior 05

    Progress has been made in War On Cancer, but we face many challenges

    We seem to be waging war on many fronts: drugs, crime, illegal immigration, drunk driving, Afghanistan, Iraq, terrorists in general, terrorism on airplanes in particular. But our most serious war -- the one most likely to affect all of us -- is one we are still losing: The War on Cancer.

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  • Health care and retirement saving keep people on the job.

    How many older Americans are working full time -- any why? Here's eye-opening research on work from Employee Benefit Research Institute (EBRI):

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  • ADVISOR ANSWERS

    Q: My mom is insured through a Medicare HMO; however, the hospital closest to her home is not in her HMO's network. What do we do if there's an emergency? I don't know if we would instruct the ambulance to go to a different hospital -- is that even possible or advisable? She doesn't want to get hit with a big hospital bill because she isn't covered.
    -- Willa M., Rainbow, California

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  • Business woman

    Survey of female executives finds gender bias in Corporate America.

    The best-selling book Men Are From Mars, Women Are From Venus is all about the male-female relationship. Using humor, author John Grey makes a very important point: men and women think differently. Sometimes the difference is so pronounced, one would think men and women come from different planets.

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  • RVs camping in Arizona

    How I investigated, evaluated, and selected a mobile office motor home.

    "How can there possibly so many different makes and models and designs and options in the RV marketplace?" In search of a vehicle that could be both a capable mobile office and a nice place to live on the road, the choices seemed overwhelming. But over time, I learned why there's so much variety, and what makes the most difference. While your needs and considerations might be different, here's some of what I learned in picking out the ideal RV for me.

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  • Considering a living trust? What about a will? Do you need both? 

    There are many benefits to having a living trust but, as with any legal document, it requires careful planning. In this article, you'll learn exactly what a living trust is, and explore five basic steps you should consider when establishing your own living trust.

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  • Active adult retirement communities are as varied as the people who populate them. Take your time doing your research and you're sure to find one that's a good fit.

    As the years roll on, some Boomers will choose to sell their homes for a variety of reasons: to save money, to downsize, to be closer to family. Builders of retirement communities are doing a better and better job of discovering what features make these communities appealing to Boomers.

    If you're considering an active adult retirement community, here are 10 steps to starting your research.

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  • How people evaluate older vs. newer might surprise you.

    How do you evaluate a policy, a painting or a piece of chocolate? What makes you decide the "best" tree or treatment? Probably not what you think, reveals an interesting scientific study. Compare your own behavior to these results.

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  • Piggy Bank

    Saving for your child's future ... or yours: Which takes priority?

    Q: I am worried about saving money for retirement while planning expenses for my children's college years. Is there a way to do both?

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  • California is one of the few states to offer paid leave to take care of a sick family member. Find out if you're eligible and if paid leave is a good fit for you.

    California made history in July 2004 as the first state to create a comprehensive paid leave program. Employees can collect up to 55 percent of their salary per month while caring for their loved ones.

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  • An old joke is, "What kind of work are you out of?" Except maybe now it's not a joke. Another old line is, "What are you going to be when you grow up?" But I think, if you have the right attitude, that's still a good question.

    One day soon (if it hasn't happened already) you'll wake up with a new goal: Find another way to have fun and make money.

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  • Marilee Driscoll

    Long-term care insurance determines how well you'll be taken care of when you can't take care of yourself.

    Long-term care insurance is potentially one of the most important purchases you'll ever make. It likely determines how well you'll be taken care of when you can no longer care for yourself.

    There are lots of decisions to make -- and they need to be informed decisions. Tempting as it is to think you'll never be in the position to need long-term care, you risk literally everything if you hide from this issue.

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  • Your home has equity

    A home equity line of credit is popular, but is it smart? Learn how to get the cash you need while keeping your home and finances safe and sound.

    A Home Equity Line of Credit, or HELOC (pronounced hee-lock) as it is called in my industry, has become as common as SUVs and Starbucks. If you don't have one, I bet you know someone who does. People use HELOCs as an easy way to get lots of cash.
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  • A reverse mortgage can really turn things around for seniors who are struggling to get by. But, when does (and doesn't) it make sense to cash in on your home equity?

    As one of my friends puts it, "There's nothing worse than being old -- except being old and being broke."

    It's a simple fact: As we live longer, we may find ourselves outliving our savings accounts. Pensions and social security often don't keep up with inflation, and then there are the kids who need help, the new roof, the prescriptions not covered by medical insurance, and all those other expenses that keep coming long after a regular paycheck has stopped fattening the savings account every month.

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  • People covered by Medicare have different options each year.

    Choices range from Original Medicare to a variety of Medicare supplemental plans. The right choice next time might not be the same as last time. It's an important decision about a complex matter, so make sure you know how it works.

    NOTE: This article was written before Affordable Care Act (ACA) took effect in 2014. ACA does not focus on Medicare, but it may affect some of the information in this article. As always, you should consult insurance experts to determine what is right for you.

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