Today's Boomer Magazine Fall 2022 Vol.10 No.2

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Vol.10 No.2

Celebrating 10 Years 2012-2022


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This Issue Fall 2022 (Volume 10, No. 2)

Editor’s Letter



Social Security

2012-2022 Celebrating 10 Years of Today’s Boomer Magazine! Thank you!


How Many Hours Can You Work and Collect?

Science of Slowing Aging:


Editor-In-Chief: Alexandra V. Maragha

Give Life to Your Cells and Self

F (Forget) Being Old

Founders: John Vardalas & Alexandra Maragha


Leadership Rx: Don’t Be a “Boss-Hole”!

Boomer Travel 11 Escape: Hot Travel for December

Contributors: Chef Eben Atwater, Jodi Geline For Letters to the Editor, articles, and feedback as well as advertising inquiries visit us at

The US is in a Retirement Crisis: It’s Getting Worse


Today’s BoomeR Magazine is an online publication of The American BoomeR Group

Old Enough For Sex


For more information about Today’s BoomeR visit

6 Biggest Mistakes Couples Over 50 Make

BoomeR ConsumeR Watch:


9 Bills You Should Never Put on AutoPay

10 Ways Your Waste Money 24 Every Day and Don’t Realize It Boomer Healthy Eating


Find us on Twitter @todaysboomer For more information about The American BoomeR Group visit Follow on Facebook The American Boomer

Fall in Love with Fresh Hummus & Tahini Today’s BoomeR Magazine Vol.10 No.2 Today’s Boomer is published quarterly (Jan/Feb/March, April/May/June, July/Aug./Sept., Oct./Nov./Dec.) Copyright © 2022. All rights reserved. Reproduction in whole or in part without permission is prohibited. Visit Today’s BoomeR 3





he pandemic and reemergence from all the shutdowns, lockdowns, and masking-ups have now established a turning point in American society as these phases have (hopefully forever) passed. But life is not back to business and all is usual. The corruption and broken systems in this country on all levels and within all sectors were exposed leaving the American public to be more aware, more stressed, and more divided in terms of those who care and don’t, and those who feel more optimistic or not. The overall feeling is to escape all that is bad and focus on all that is good and bring about goodness by escaping what is bad. If you are yearning to get back to business as usual, perhaps it is a just question to ask what is “usual”? Now more than ever we are able o determine our own “usual”. The workforce must comply with employee demands as a taste of freedom of working from home for so long brought a sense of independence and revamp of what it means to “go to the office” as in many cases “the office” has now been redefined and management needing to escape the old ways of leadership. This push and pull are now seen as the stress that many are facing as the inflation crisis pushes more people to escape from what is extra and stick with what is necessary, while others are escaping the burdens and stresses of reality to dive into what is new and different no matter the p. 4 cost. Despite the reason or the place, the idea of escape is that which is self-defined, self-perpetuated, and self-satisfying, leaving one to use it in a way to better connect with one’s self to better connect with the world around them. Find your escape and use it to come back or find a new way in life. Life is short so choose what life you want to live.

p. 12 Alexandra V. Maragha Editor-In-Chief

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Save Social Security: Now and Forever thanks you for your continual support and for making your voice heard in Saving Our Social Security! With proposed changes in the federal budget and inflation in the U.S. economy, the work to maintain and preserve the Social Security Trust Fund is far from over.

For More Information visit Today’s BoomeR 5

Social Security:

How Many Hours Can You Work and Still Collect Social Security?

By John Csiszar, GoBankingRates

retirement age, you won’t see any reduction in your benefits at all. But

As the name would imply, Social Security retirement

if you earn $60,960, your annual benefit will be reduced by

benefits were meant to be paid out to beneficiaries after they

$3,000. Note that this reduction ends in the month that you

stop working.

reach full retirement age.

You can continue to work as long as you want, and you can still collect Social Security benefits. However, you should be aware

Working After Full Retirement Age

that continuing to work after claiming Social Security benefits

For some people, working after full retirement age is not the

could reduce the amount that you receive, particularly if you

definition of “retirement.” But for others, working after age 67

have not yet reached full retirement age. Here is what you

can be a joy — or a requirement.

should know about how many hours you can work and still

Regardless of the reasons you might have, the good news is

collect Social Security.

that once you reach full retirement age, you’ll no longer suffer any penalties for working. You’ll be entitled to your full

Working Before Full Retirement Age

monthly Social Security benefit regardless of how many hours

From the perspective of the Social Security Administration, full

you work. Even if you decide to work full time or run a

retirement age for those born in 1960 or later is 67. If you

business, you’ll get to keep your earnings and all of your Social

continue to draw income before you reach full retirement age,

Security payments.

the SSA considers you a worker rather than a retiree. As such, some of your benefits may be held back.

You’ll Always Be Made Whole

Specifically, for every $2 you earn above a certain limit, the SSA Losing Social Security benefits because you might have to work will withhold $1 of your earnings. For 2022, the earnings limit is can be a tough choice to make. But the good news is that $19,560. Thus, if you are under full retirement age and you

ultimately it’s not an either-or proposition. If you lose Social

earn $39,560 in 2022, your Social Security benefits will be

Security benefits because you are working, they are never

reduced by $10,000.

actually “lost.” Rather, they are simply suspended. The SSA will

As to how many hours you can work and still collect Social

always make you whole for any suspended benefits.

Security, this will obviously depend on your hourly wage. For

Once you reach full retirement age, the Social Security

example, if you earn $20 per hour, you can work 978 hours per Administration will recalculate your monthly payout and

year before your Social Security benefits are reduced, assuming increase your payments to make up for your deferred benefits. you haven’t yet reached full retirement age. At 40 hours per work week, that means you can work just over 24 weeks

What Is Considered Income?

before hitting the earnings limit. If your salary is higher, that

There is one final way you can still “work” and collect all of

number obviously will be adjusted downward.

your Social Security at the time you expect it, rather than as deferred payments. Essentially, if all of your income is passive,

Working the Year You Reach Full Retirement Age

you can earn as much as you’d like and it won’t have any

Things change the year you reach full retirement age. At this

ramifications on your Social Security earnings. Specifically, the

point, the amount you can earn before any benefits get

SSA counts only wages or salary from a job, or the net profit

withheld is $51,960, as of 2022. Further, benefits are reduced

from self-employment, as earnings. Investment income,

by just $1 for every $3 you earn above the earnings limit. For

pensions, veterans benefits, annuities, interest and

example, if you’re earning $50,000 the year you reach full

government or military benefits are not counted.

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The Science of Slowing Aging: Choosing Live Food Busting Food Myths to Give Life to Your Cells and Self! By Jodi Geline,

What it takes to be healthy and slow down aging goes beyond what you may think and what you're taught. Typically you are told to eat healthy and exercise. That’s great advice, but there’s so much more that you haven’t been told.

Hi, I’m Jodi and I’ve studied health and self-development since age 22 and recovered from a 19-year struggle with severe stomach bloat/digestive issues. I went from looking nine months pregnant to a flat stomach. It was all gas. You can read more of my story on my website. The definition of aging is more cells dying off than being replaced. So the key to slowing down aging is to replace those cells with strong healthy cells. You do that by feeding your body the nutrients it needs. Your body is one amazing technological machine! It knows exactly what to do, as long as it’s getting the right nutrients it needs. cells are starving for nutrients. All of these foods cause habits that aren't good for you and also cause your body And sadly, most people are so far away from eating that to crave them even more! Yes, they do put stuff in food to way. With all the processed food, fast food, and the have you crave even more junk food. constant barrage of advertisements for junk food, your


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Processed food is in the inside aisles at the store.

3. Choose Foods with a “Life Force”

You are virtually programmed to eat from TV and other advertisements. And that's coming from companies that benefit from you buying their food.

It's food that is alive; it has life force energy and enzymes. It’s food that’s grown in the ground and not processed. Processed food usually comes in a box or a bag. It becomes dead food and when you eat that, it’s not doing anything for your body. It’s just empty calories. And then your body craves more because it isn’t getting the nutrients it needs. It causes you to eat even more food, which causes weight gain and fatigue. Because when you digest food, all your energy goes to digestion. That makes you feel tired when the digestion has to work hard. Live foods with life force give you energy and aliveness because that’s what you’re eating. You feel happy, productive, and at inner peace because your body feels so good!

Let’s look at so-called “breakfast” foods as an example of processed food. Advertisers make you think cereal is a breakfast food, so people eat cereal for breakfast. Eating cereal is no different than eating a cookie for breakfast. 1. Avoid GMOs at All Costs Think about it. Cereal has 10 grams of sugar, basically the These foods are genetically modified/altered, so your body same as a cookie. It’s processed in a factory. Processed will not recognize them. Therefore, they aren’t doing sugar is a very addictive drug. anything to nourish your cells. Quite the opposite, it’s How is all that processed food going to provide your cells modifying your cells. Here's how you can tell the with nutrients to have a strong body and slow aging? It difference between organic, GMO, and conventional can’t. There’s nothing in it to provide that. Yet they are (sprayed with pesticides) foods. The sticker they put on allowed to advertise that it’s “healthy.” Even the the food has a product number on it. Anything that starts blueberries in many kinds of cereal and processed foods with the number “4” is genetically modified food (GMO). If are blue food dye, not blueberries. Processed white sugar, it starts with an “8”, then it’s conventional. Anything that which is added to 80% of the foods in the grocery store, starts with a “9” is organic. So you've probably been eating will cause a lot of issues with your blood sugar, premature food sprayed with pesticides and haven't thought about its aging, and fatigue. It makes you crave more of that type of effect on you. It is very difficult to avoid in today’s world food. because we don’t have access to all organic like our In summary, live food with life force has natural sugar in it parents did. You have to be very intentional when you shop. And you may even think, well everyone else eats it, for energy. So eat non-GMO foods; shop the outside aisles of the grocery store, where the nutrition is and the food what's the difference? Let me ask you this question. with “life force” energy. Then watch your energy go up Would you take an apple and spray it with Raid and then and your aging go down! You have way more control over eat it? My guess is no. your health and aging than you realize! I know first-hand. 2. Shop the Outside Aisles at the Grocery Store If you want to learn more, email me at This is where the fresh food is. Fresh food is food that will or visit my website at rot fairly quickly. It’s food in its natural form, without all the added chemicals to make it last longer on the shelf. I know you want to have a strong, healthy, vibrant body. So here are three key strategies to get these nutrients your body needs to slow aging and be healthy:

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F– (Forget) Being Old: Leadership Rx for Slowing the Great Resignation: “Don’t Be a Boss-Hole”! John A. Vardalas, CAE/CUDE Founder/CEO The American BoomeR Group As a consultant in the business world, the global covid-19 pandemic has caused major upheavals in American companies, economic, health and political sectors, but most importantly the workforce. Resent data suggests the pandemic-era labor trend- AKA the Great Resignation is continuing. Business surveys indicate 50% of employees are looking for a new job or plan to soon. Leadership must realize that half of your employees are in the job seeking category. Employees are prepared and open to go somewhere else at any time. Job openings and quits have swelled to record highs and layoff rates have fallen to record lows. Almost 4.3 million workers quit their jobs in January 2022. Data suggests most employees are not quitting to sit on the sidelines—a strong job market and higher pay are luring them to look elsewhere. Some are reinventing their careers altogether. Many are seeking the freedom of remote work and schedule flexibility and to gain a better work-life balance, as the pandemic brought a realization of priorities among many asking the question, “is this worth it?”

apathetic management, the impact of the pandemic of ongoing protocol changes and expectations, mergers, reorganizations, and workplace uncertainty. A new term has emerged to describe the workforce: “Presenteeism” where employees are partially at work physically, but not mentally as they have checked out already deciding to leave at the first opportunity that comes, especially due to jaded leadership. Organization leadership must realize how the pandemic has affected employees and truly recognize how our workforce has stepped up, adjusted, and kept serving customers in their communities.

Stress in the workplace is the second largest occupational disease following Musculo-skeletal disorders and accounts for 90 million lost workdays Employees also discovered from the pandemic: annually. Mental and nervous disorders have been • Many were not being valued at work among the fastest growing factors of workplace disabilities. Workplace stress is often caused by weak • They liked working from home

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Recaptured the time and money they would have • spent commuting • Helped educate and spend time with their children in their homes

Experienced loss and grief

Missed being with their extended families

Learned new skills via online classes

Thought about their futures and what really matters to them moving forward

Staff are always reassessing leadership & management practices and the culture of their organization. Business leaders must seize this moment and assess the opportunity to create the best workplace brand and employer of choice in the community. Will you be paying a living wage with great benefits? Is your staff diverse and inclusive to meet your customers/member needs? Are they a mix of suits and jeans? Will your workplace culture reflect a quality of work-life atmosphere?

Being too directive/controlling/demeaning.

Not clarifying expectations/how to achieve results/rewards.

Now is the moment to turn the great resignation into a great opportunity for our businesses and focus on building joy in the workplace. I offer the following Leadership Practices for companies to really show employees they are valued and keep the workplace a source of purpose and inspiration: •

Go on a listening tour of your staff and discuss challenges, work satisfaction and aspirations.

Be flexible when it comes to work arrangements and schedules.

Be committed to their training and continuing education.

Empower and trumpet their accomplishments.

Give them earned positive feedback/recognition.

Likewise, the current economy and inflation have left • Pay them. Review marketplace employee salary/ benefit plans for all staff levels to ensure they employees seeking employment to balance their meet current peer standards. income and higher expenses. Those in current positions who already feel the normal stress of an • Love them. Treat all employees with dignity/ organization’s work-culture due to a lack of strong respect. Give them a sense of pride/ownership leadership, empathy, and execution, now are that all are contributing to the business success. considering pay and financial incentives as the top “Greatness--not just goodness” is needed more than factor of a job and to stay at a job. ever in new age leadership in keeping and attracting Take time to survey staff to reflect on your culture talent and on how our workplace success will be and self-assess your leadership and management measured in the future. I hope the quality of your style. You may be considered a “Boss-Hole” if you are leadership practices inspire greatness in your people exhibiting these behaviors: going forward. •

Your actions do not reflect your words.

Over focusing on problems.

Playing favorites and not focused on seniority.

Failure to develop/mentor employees.

No appreciation of loyalty.

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John A. Vardalas, CAE/CUDE CEO/Founder of The American BoomeR Group, is a professional speaker/ business consultant. He can be reached at and visiting



Where is hot in December? Our top 12 destinations Conde Nast Traveller,

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We've rounded up the top 12 places to get some all-important winter sun just in time for Christmas

families. For a stay that’s unlike anything else in Dubai, book a room at the secluded five-room hotel and spa Al Faya Lodge an hour east of the city. See our edit of the best As the cold takes firm hold of Europe, sun seeking generally hotels in Dubai for more. requires a longer flight. True, there are spots closer to home with the good grace to linger around 20°C, but winter Lanzarote, Canary Islands provides an excellent excuse for a far-flung getaway, when AVERAGE DECEMBER TEMP: 21°C a powerful and prolonged dose of vitamin D is practically prescribed. Hot cities in Africa and Australia will come alive We called it ‘the surprisingly cool Canary island’, but we weren’t talking about the weather. The fact this month, as their summers finally arrive, while that Lanzarote resides off Africa’s west coast means that tropical islands and unsung corners of the world will hit even in December it’s still fairly sane to take a dip. Avoid their peak. See below for our edit of where is hot in the package hordes and head to fine, white-sand Papagayo December. For more travel inspiration, see our guide to Beach on the southern tip of the island, or try world-class the best winter sun destinations. surfing in north-west Famara. In fact, more surprises lie in Dubai store the further you stray from the tourist hotels. There’s AVERAGE DECEMBER TEMP: 26°C the Jardín de Cactus in Guatiza, a surreal succulent amphitheatre; or starkly alluring Timanfaya National Park, a The seven hour-flight from London to Dubai can just about volcanic wilderness that starred in 1966 film One Million be classed as medium-haul, while the time difference Years BC. And don’t forget Finca Malvasia, a seductive between the two is a jet-lag-free four hours – but this ranch-like retreat in the central wine region, owned by a desert city in the Middle East feels worlds away from chilly pair of designers who swapped London for island life. After England in December. Sure, there’s the glitzy side of Dubai wintering in Lanzarote, you might just join them. – its mega-malls and skyscraping hotels are decked out in festive lights and ginormous trees for the season – but Where to stay: La Cabaña, a slick and earthy villa with a there’s a more laidback side to the city, too. Life’n One is a quote-mark-shaped swimming pool and views down to hidden yoga retreat for those hoping to end the year on a Puerto Calero. For more, check out our list of the best villas healthy note, while cultural hub Alserkal Avenue is a great in Lanzarote. place to escape the heat in arthouse cinemas and indie Bali, Indonesia galleries. AVERAGE DECEMBER TEMP: 27°C It’s one of South-east Asia’s winter-sun kingpins for good reason – tropical Bali’s lush rainforest and white-sand beaches tick all the boxes when it comes to a warmweather escape. Once-scrappy beach town Canggu draws Indonesia's thriving digital-nomad crowd, along with blissed-out surfers, while artists’ village Ubud is a hub for those seeking a more spiritual getaway.

Where to stay: Forget the glitz and glam, this cool new un-Dubai hotel is 25hours Hotel One Central, a hub for creatives, digital nomads, and those in the know. If you're here to venture to the pool and nothing more, Anantara World Islands Dubai Resort is a great option, especially for 12 Today’s BoomeR

Where to stay: Teetering on a high clifftop overlooking the Indian Ocean on Bali’s southern coast, Six Senses Uluwatu is a wellness retreat that gets it just right. In Canggu, we like The Slow, a 12-room bolthole with an achingly cool cocktail of art, music and interior design. Riverside jungle hideout Capella Ubud feels like an African tented camp from the 19th century and makes an ideal

base that avoids any desert-island clichés. If you're travelling in a group, Bali has some incredible villas and Airbnbs, like Laputa Villa which sleeps four and is widely known as "The Bamboo Castle in the Sky." For more, see our pick of the best Bali hotels. Marrakech, Morocco AVERAGE DECEMBER TEMP: 20°C When winter is in full flow, don’t underestimate the power of a three-and-a-half-hour flight to another world. Yes, Marrakech is hectic, but a recent influx of design hotels – most of them reimagining glorious, red-brick riads – means there’s always somewhere more sedate to escape to. Alternatively, take up residence in a palace: La Mamounia, a grande dame of landscaped gardens, fountains, opulent tiles and velvets, is a card-carrying member of our best hotels in the world Gold List. Or book a stay at Royal Mansour, the city's most lavish hotel, which proves you needn’t plunge into the medina madness outside to get the best of Marrakech. Where to stay: As we mentioned above there are no shortage of hotels in Marrakech. For a traditional riad stay, Riad Goloboy is a feast for the eyes (and Instagram) with kaleidoscopic walls and a gallery-worthy art collection. Miami, USA

sun spots – we’re looking at you, California – pull on a sweater. For a calmer vibe, try the less-developed northern end of Miami Beach. It’s here that chef Thomas Keller serves elegant classics (oysters, steak tartare, lobster thermidor) at the landmark The Surf Club, among potted palms and white-coated waiters who evoke the spot’s history as the go-to of the 1950s jet set. Better yet, the recently extended, haciendastyle Four Seasons is here (Elizabeth Taylor and Wallis Simpson count among former guests). Refined might not be the word typically associated with Miami, but let this breath of fresh air change your mind. Where to stay: Miami Beach Edition sits inside the skeleton of the Seville, one of the giant 1950s hotels, with nods to the past, a connection to the city's heritage and a bar with uninterrupted ocean views. Bahamas, Caribbean

AVERAGE DECEMBER TEMP: 26°C It’s peak season in the Bahamas, and while that will certainly keep the beaches busy, it also means perfect weather. Our tip: strike out for Harbour Island, a three-mile-long, mile-and-a-half-wide sliver of sensational, pink-sand stretches, where there are always enough sunbeds to go around. Make camp at its smartest hotel, Bahama House, a chic cottage with retro Palm Beach vibes, a sunken tiki bar and just 11 rooms. It’s part of Eleven Experience, an experiential-travel specialist, you can also take advantage of custom adventures such as diving in secret grottoes or swimming with swines on Pig Beach. Where to stay: Pelican Bay Hotel. Inside, waterside rooms combine Caribbean cheerfulness with classic European style. Outside, white-sand beaches, lush boulevards and beautiful seascapes. Cape Town, South Africa

AVERAGE DECEMBER TEMP: 27°C The city’s year-round warm weather comes into its own in Cape Town is always a good idea, but particularly in December, when the beach parties continue while other Today’s BoomeR 13

a big, beautiful city that’s seldom in a hurry. Perhaps that’s what happens when there’s nature everywhere – rainforest-covered hills here; the glittering Hauraki Gulf there. And the notion that the affable country is somehow behind the times is rebuffed by the likes of the Britomart complex, a series of waterfront heritage buildings turned boutiques and restaurants, and Iko Iko, a fabulous concept store with fans such as Emilia Wickstead. Add in a ferry trip to nearby Waiheke Island’s sandy beaches and vineyard wine tastings and be totally converted to the Kiwi lifestyle. Where to stay: Hilton Auckland is über-trendy retro futurism in a gleaming wharf shed redeveloped to resemble a cruise-liner. Merida, Yucatan Peninsula AVERAGE DECEMBER TEMP: 31°C Tulum, Cancún and Playa del Carmen are the seaside giants of the Yucatán in south-east Mexico, but head instead for the state capital of Mérida for the best of everything: Mayan ruins, a charming colonial town, dense jungle and – if you don’t mind a short drive – beaches, too. Best of all, there’s Chablé just outside the city, an astonishingly lush estate with a spa and private cenote, a December, when the fledgling South African summer sets beaches and vineyards aglow. The mere sight of beautiful crowds bronzing against its theatrical, cragged mountain backdrop will banish the winter blues in one blow. And just when you thought the Mother City’s raw good looks, smart art and design scenes and world-class food couldn’t get more appealing, it only goes and adds a pair of super-hot hotels, too. Where to stay: The Silo, which is ingeniously set inside a former grain elevator house at the top of the Zeitz Museum of Contemporary Art Africa on the Victoria and Albert Waterfront. Also on our Gold List, Ellerman House is an imposing Edwardian mansion with smashing views of the Atlantic and one of the country’s finest private-art collections. Auckland, New Zealand AVERAGE DECEMBER TEMP: 22°C

Just like that low-and-slow New Zealand drawl, Auckland is 14 Today’s BoomeR

restaurant led by renowned chef Jorge Vallejo, a tequila ‘library’, a sweat lodge and a local shaman. Plus it has 40 splashy, limestone-and-glass casitas, each one with its own terrace and pool. Where to stay: Hacienda Xcanatun for marble mosaic and coral stone floors on the verandahs, exteriors are daubed in terracotta and cream, and rough-hewn rustic tables and hammocks hung between trees that give this 18th-century Italianate estate a lived-in feel. Koh Samui, Thailand AVERAGE DECEMBER TEMP: 27°C Long the Shangri-La of feverish backpacker dreams, Koh Samui has grown up. Yes, its raison d’être remains pure pleasure – in the shade of three million coconut palms, and on its bone-white beaches – but the packaging is more Four Seasons, less ratty bungalow. Wellness has well and truly arrived here, with yoga studios, health retreats and even monk-led mentoring for those looking to make a real change. If, however, you just want a proper, idyllic tropical break, Panacea takes the cake. The former home of one of the world’s top hedge-fund managers, this sprawling hilltop estate features five enormous residences, 82ft swimming pools, a cinema, a nightclub – and even a Muay Thai boxing ring (tattooed instructor included). Where to stay: Set high on a hill, Panacea has a mix of four-, five- or six-bedroom villas filled with tropical hardwoods, silk fabrics and petrified wood that’s over a million years old, plus there's a kids’ room, a private cinema, gambling den and nightclub. At COMO Point Yamu a 100-metre long white-tiled swimming pool shoots out towards the Andaman Sea. Tip-top service, zingy cuisine and a wondrous spa has made this Thai hotel a favourite with LGBTQ+ Thais and travellers. Cuba AVERAGE DECEMBER TEMP: 27°C No doubt, Havana is spectacular. But leaving Cuba’s main drawcard to explore its steamy eastern mountains will bring you closer to a country that, in its isolation from modernity, has much to teach. In Baracoa, the mystical hangs like a heavy mist. The city, surrounded by the

Cuchillas del Toa mountain range, is a world unto itself: streets infused with music, sleepy beaches and rivers and canyons where – yes, even here – you’ll stumble upon the odd thatched bar. At the very south of the island, Santiago de Cuba, with its palatial Spanish buildings by the sea, is set to be the next It destination, but for now remains thrillingly tourist-free. Where to stay: Casa de Miriam y Sinai is a fantastic first-floor flat that is an oasis of calm and space, with three spacious rooms, one with a street-side balcony, are spotless and have top-drawer bathrooms. Melbourne, Australia AVERAGE DECEMBER TEMP: 24°C Melbourne’s erratic climate ensures it’ll never hold the beachy appeal of Sydney. But December’s summer temperatures are ideal for exploring the city’s beloved laneways: narrow passages packed with street art, galleries, restaurants and bars. It’s here that trends are set rather than followed; where a cup of coffee has both a caffeine kick and global acclaim. And in Australia’s always dynamic second city, there’s never a shortage of new and miraculous places to explore. Currently it’s Di Stasio Città, Spring Street’s Brutalist Italian restaurant, where guests eat fabulous crab capellini in a concrete-bunker-like setting as video installations play across the walls. Where to stay: Lindenderry at Red Hill, a silver-birchlined drive leading to a white rural hideout, with comforting, pared-back style and a restaurant that uses the with best local produce. Today’s BoomeR 15

America’s $7 Trillion Retirement Crisis Is Only Getting Worse Economic turmoil took a toll on savings in the first half of 2022 and that’s just the tip of the iceberg as many in the US lack employersponsored plans. By Suzanne Woolley, Bloomberg

Americans have been warned for years of an impending retirement crisis. Yet the situation is getting worse.

portion of the population who are in retirement — that's the concern,” said Richard Johnson, a retirement expert at the Urban Institute. “For people who are not in that age group, it's still concerning because it could strain the social safety net.”

In 2019, Boston College estimated there was a $7.1 Even when everything was going right — inflation trillion retirement-savings shortfall among American was nonexistent, interest rates were low and stocks households, with half of them facing a lower were in an extended bull market — there was a multi standard of living once they stop working. That -trillion dollar savings shortfall. number likely hasn’t changed much since then, Then came a pandemic, war in Europe, decadesdespite the increase in stock and housing prices over high inflation, the fastest rate-hiking cycle since the the last three years, according to Munnell. early 1980s and fears of a recession. The resulting market turmoil erased some $3.4 trillion from 401(k) s and IRAs in the first half of 2022, according to Alicia Munnell, director of Boston College’s Center for Retirement Research. And that’s just for the people who have retirement accounts. About half of private-sector workers don’t have an employer-sponsored retirement plan, and many of those who do end up saving very little. It’s a problem that isn’t easily fixed, and contributes to the sense that the American Dream is in decline. And while surging inflation and volatile markets are bad news for people in or nearing retirement, the picture may be even worse for young Americans who are priced out of the housing market, struggling to build wealth and buried under mountains of student-loan debt. “Living standards are going to decline for a large

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“The people who profited from that were people who weren’t at risk in the first place,” she said. Top Retirement Worries Millions of Americans face the reality of spending their senior years in straitened circumstances, struggling to make ends meet. So how did one of the

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wealthiest countries in the world end up in this situation? Until the Great Depression, Americans worked until they died or simply couldn’t anymore, at which point they’d be dependent on charity or extended family for support. The misery of the 1930s prompted the introduction of Social Security to, as President Franklin Roosevelt said, protect “against the hazards and vicissitudes of life.”

Things are likely to get worse as the Baby Boom generation retires. The number of Americans age 65 and over is set to increase to 73 million by 2030, or about 21% of the population, compared with 49 million or 15% in 2016, according to the Census Bureau. Aging Population

There’s little appetite politically to attack the problem. The idea of a national auto-IRA that workers could The program was intended to provide a minimum take from employer to employer has been bandied level of support, with individuals and employers about for more than 15 years, but the only real action expected to supplement it as life expectancies rose and has been at the state level. Even there, most state people spent more years in retirement. But the plans exclude the large and growing number of generous defined-benefit pension plans of old largely workers in the gig economy. disappeared as companies cut costs and embraced 401 Even if Congress can make piecemeal reform, there’s (k)s. an even bigger concern: Whether Social Security can “The plans work quite well for the top third of workers, not so much for the middle third and not at all for the lower third,” Munnell said. “The top third always work for companies with 401(k) plans, the middle third go in and out of employment with coverage and end up with much smaller balances, and the bottom third are generally not covered by any plan and are entirely dependent on Social Security.”

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survive in its current form. If no changes are made, the trust fund’s reserves are expected to run out by 2035, and Americans will receive only 80% of their expected benefits. “I think something will be done before we get to that, but I keep worrying we’ll have to get awfully close to the abyss before any action is taken,” Munnell said.

Old Enough for Sex : The 6 Biggest Mistakes Couples Over 50 Make, According to Experts By Juliana LaBianca, Best Life

JD, MA, LAC, clinical psychotherapist and relationship therapist. "This practice may negate the possibility of a A lot of things change after the age of 50: our bodies, our rewarding lifestyle or retirement." Instead, prioritize your friendships, and our finances, to name a few. Another area bond. McKay encourages travel, learning together, and to watch is your relationship. Whether you're married or in staying curious about each other's lives. a long-term partnership, you may see shifts in your union in your sixth decade. Developments in your sex 2. They assume their sex life will decline. drive, personality, childcare situation, and housing come It's not all downhill from here. Quite the contrary, actually. into play—and, if you're not careful, they could cause "Couples over the age of 50 might believe that they are too countless miscommunications and other issues between old to enjoy sex… which is not true," says Katie Ziskind, you and your partner. Fortunately, you can avoid these LMFT, owner of Wisdom Within Counseling. For couples fissures. Ahead, therapists tell us the biggest relationship over 50, "intimacy and marriage therapy can help you mistakes couples over 50 make—and how to ensure you figure out what is going on and support an empowered see them coming. sexual experience," she suggests. That way, you can 1. They become too absorbed in their children. rediscover each other's likes and dislikes and create new and improved experiences in the bedroom. Kids are important, but so is your partner. "I have seen many individuals become absorbed in their children and 3. They hide medical issues. grandchildren's lives causing them to minimize the Honesty is key in any relationship. But Sam Nabil, CEO importance of their own relationship," says Cynthia McKay, and lead therapist at Naya Clinics, notices that some

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couples become less forthright as they age— even around major issues like health problems. "They want to avoid being a burden to their partners and/or spouses, especially when their other half is going through midlife challenges of their own," says Nabil. "However, this often causes them to be distant and absent in the relationship, leaving their partners feeling alone and unwanted." Dealing with health issues as a team is a necessity. Your partner deserves your full honesty and you deserve a person to rely on during challenging times.

4. They don't plan ahead for retirement. Retirement causes a major change in your lifestyle, and couples must prepare for it properly. "Although the couple may be financially 'set,' they often aren't aware of—or prepared for—the challenges that arise when work is no longer a major focus of their lives," says clinical psychologist Carla Marie Manly. "Couples often end up bickering with each other as a result of spending too much time together, having insufficient personal interests, or having too few shared interests."

"This is a mistake because it decreases fulfillment in the relationship and overall wellbeing." Turn things around by addressing any issues or dissatisfaction you have in the relationship. Then, work together to establish an action plan that targets and eventually eliminates those issues, says Fisher. "This will result in a more fulfilling, happier, healthier relationship at any age," she adds.

6. They stay in a relationship that no longer works.

5. They embrace complacency.

Sometimes, you just have to call things quits. "I would say that one common relationship mistake that long-term couples make over the age of 50 is staying in a relationship that no longer works due to fear of being alone or being single," says Lauren Napolitano, Psy.D, a clinical psychologist. "I work with women in therapy, and some women feel that they haven't been single since their early 20s and that it would be too scary to start over. They fear being unattractive to new suitors, they fear having to manage their own finances, and they worry that their kids might be angry with them if they divorce their partner."

You know the cliche of the old couple that's always either bickering or not talking? Avoid it at all costs. "The most common mistake we see long-term couples over the age of 50 make in their relationship is to become content… to the point where they don't care to improve or address issues," says Cierra Fisher, LPCA, Ed.S., a licensed therapist at Healthy Habits Therapy in Charleston, South Carolina.

If you're unhappy in your relationship, Napolitano suggests trying couples counseling. "It's worth talking openly and directly with your partner about how the relationship may have changed over the years and what can be done to reconstruct something that is pleasant to both of you," she says. From there, you can decide if things are worth saving or not.

Ideally, you can plan ahead to discover new shared and independent endeavors. Manly suggests things like volunteering, exercise programs, friendships, and travel.

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BoomeR ConsumeR Watch: 9 Bills You Should Never Put on Autopay Autopay could do more harm than good for these specific bills. By Valencia Higuera, GoBankingRates We can all use a simpler, more efficient way to manage expenses and save money. Putting your bills on autopay can ensure never forgetting a due date, which minimizes the risk of late fees and dings on your credit report. But although automatic payments can save time and streamline your personal finances, it isn’t the right choice for every expense.

month, and you could be caught off guard — and out of funds — if a payment posts when you weren’t expecting it.

Some cellphone plans also don’t have the same billing date each month. While you might have a set date — say the 15th — others have a monthly cycle that varies depending on the number of days the month. That doesn’t guarantee a consistent payment date each

A gym membership helps you get into shape and lose excess pounds. But you could lose more than that.

Since autopay is a hands-off approach to paying bills, you’re also less likely to inspect your cellphone bill after setting up automatic payments. That means you might not catch billing errors and will pay more than Autopay is ideal for payments that don’t fluctuate every necessary. month, such as your mortgage and car payments. You Utilities Bill know what to expect from these bills every month, so it’s easier to plan and budget for automatic drafts. This Unless you’re on a budget plan through your utility company — which lets you pay a set amount every isn’t the case with monthly expenses that fluctuate. month — your water, gas and electric bills also will Before you get excited and put your entire financial life fluctuate every month. Therefore, it’s generally safer on autopilot, here are some bills you should never put not to set utility bills on autopilot. on autopay. Initiating one-time payments every month involves Cellphone Bill signing into your accounts. In this case, you’re more If you have an unlimited cellphone plan and your bill likely to review statements before making a payment. never varies, autopay is a time-saving strategy for And when you regularly review your statements, it’s managing payments. There’s also the option of setting easier to identify unusual price increases. up automatic payments for a non-unlimited cellphone For example, a higher water bill can indicate a water plan. The problem, however, is that the amount you leak in your house. If you set up auto-draft for this bill owe can change from month to month, depending on and never review your statements, a leak might go data usage. And if you forget to read your cellphone unnoticed for months and cause extensive damage to statement in months that you owe more than usual, the your home — and your wallet. extra funds taken from your bank account could trigger Gym Membership an overdraft and bank fees.

If you’re committed to visiting the gym regularly, putting the monthly membership fee on autopay is a good idea. But despite your intentions, your actual time spent at Today’s BoomeR 21

the gym could be far less than anticipated — to the point where it no longer makes sense to pay for a membership.

making a one-time payment online, gives you the chance to review your bill for price increases and all the options you might not be using.

With autopay, some bills become out of sight and out of mind. As a result, there’s a risk of losing track of money being drafted from your account. Or, you become so accustomed to paying certain expenses that you fall into a rut of paying for a membership you never use.

Evaluating your cable or satellite bill also will let you know when all those promotional offers you signed up for have expired. It also could motivate you to call the company and ask to renegotiate your services.

On the other hand, if you pay monthly, you’re more likely to evaluate your gym usage occasionally and cancel the membership if you’re not using it.

Cable and Satellite Service Your cable and satellite bills can vary, especially if you watch a lot of movies on demand. With your cable bill automated and funds taken from your bank account, you might never monitor the amount you spend on extra services. Cable and satellite companies also seem to increase their rates every year and include fees for new offerings, such as regional sports networks, that you don’t watch. Paying the traditional way, by check or by 22 Today’s BoomeR

Streaming Video Services Streaming services such as Netflix and Hulu are convenient because you can watch whatever you want, whenever you want. But think twice before signing up

for these services. If you have cable, some of the shows brands before paying the full retail price. and movies offered by streaming services are also Since these subscriptions are relatively inexpensive — available through your cable provider on demand. typically starting as low as $10 a month — it can seem If you get used to streaming fees coming out of your like a minor monthly expense. But the cost of a beauty bank account or being charged to your credit card every box subscription adds up over the year. If you set up month, you might pay these fees month after month automatic payments for this subscription, you might without considering whether you need the services. neglect to break down the cost and calculate its value. When you sign up for streaming but don’t take full You might spend more than $100 annually, yet only use advantage of the service, you’re essentially flushing a small percentage of the items in your boxes. money down the toilet. Newspaper Subscription Music Streaming If you prefer reading the news over watching it, Music services such as Spotify and Apple Music allow subscribing to a print or digital edition of a newspaper you to stream just about any song from any artist. The puts the latest headlines at your fingertips. downside is that you have to provide a credit card or Some newspapers give subscribers the option of bank account number before accessing songs. The automatic payments. This isn’t a bad deal if you read music service automatically charges the monthly fee to your subscription. But, of course, life can become hectic your account. at a moment’s notice. And if you get busy and pile the Streaming music is a fun luxury, but only if you’re newspapers in the corner without reading them, you’ll getting your money’s worth. If your usage drops and waste money paying for a subscription you don’t use. you stream less music (or you stop streaming On the other hand, if you schedule one-time payments altogether), the company continues to draft your every month, you’re more likely to cancel the account until you cancel your subscription. If you forget subscription once you’re no longer benefiting from the to cancel, you end up paying for a service you don’t use service. anymore. Annual Subscriptions Beauty Boxes If you have subscriptions or services that renew once a Several beauty brands promote beauty box year, don’t set up automatic payments for these subscriptions, where subscribers receive a box of expenses. Even if you’re an organized person with an products each month to sample at home. This is a smart outstanding memory and a knack for writing everything marketing tactic for cosmetic companies, and it’s an on the calendar, annual expenses can catch you off easy way for you to experiment with different beauty guard. Since you don’t think about these bills on a regular basis, you might fail to remember the next due date, especially if you don’t receive a reminder. When annual subscriptions auto-renew, you give the company or retailer permission to automatically charge your credit card or draft funds from your bank account on the next payment due date. If you don’t prepare for this expense, the company could draft your bank account when you don’t have enough funds in the account and cause an overdraft fee.

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10 Ways You Waste Money Every Day and Don’t Realize It Debt-Free Future: Here’s how you can easily cut costs. By Jennifer Taylor, GoBankingRates

2. Parking

If you’re like many people, you’re burning through cash like crazy. Overspending is never advisable, but this can be especially problematic if your money habits are either getting you into debt or making it hard for you to get out of debt. You might feel discouraged when looking at your month-end bank balance, but a few simple changes can make a world of difference.

If you drive to your destination, you have to find a parking spot, but it’s not always free — especially in cities. Gary Grewal, financial planner and author of “Financial Fives,” said savvy planning or a willingness to do a little extra walking can equate to big savings.

It’s always frustrating to be charged a fee to access your own money, but this is often the case when it comes to bank accounts.

“Many of us go to the store and forget if we have any baking powder or laundry detergent,” he said. “Take a quick inventory of your home before you head out.”

If you’re looking for an exception to the rule, check out SoFi’s Checking and Savings Account. SoFi charges zero account fees and zero overdraft fees, meaning your money stays where it should, with you.

4. Not Reviewing Transactions

“Use tools like Parkopedia or drive a few blocks outside the A quick glance at your monthly expenditures might not offer venue for street parking or ask for validation,” he said. “Most obvious clues as to where you’re overspending, but there’s likely cities offer free (or) extended meter and street parking on plenty. When you’re able to identify these areas, you can make Sundays and holidays — or take transit if you can.” changes that probably won’t impact your life too much — but 3. Confused Shopping will allow you to cut costs exponentially. Walking into the supermarket without a list of what you need Ready to spend less money each month? Here’s a look at 10 means you’ll likely buy a lot of items you can do without. Grewal ways you’re unknowingly wasting money. said this approach to grocery shopping can get expensive fast, so 1. Banking Fees he suggested getting organized before making a trip to the store.

Even with no fees, the account is packed with features like no-fee overdraft coverage up to $50, up to 15% cash back at local establishments when you pay with your SoFi debit card, and automatic savings features to help you reach your savings goals. The benefits don’t stop there. If you sign up for direct deposit you can earn a 2.00% APY (Annual Percentage Yield) with the SoFi Checking and Savings Account. And right now you can get a bonus of up to $300 when you sign up for direct deposit, plus you can get your paycheck up to two days early. *SoFi members with direct deposit can earn up to 2.00% annual percentage yield (APY) interest on all account balances in their Checking and Savings accounts (including Vaults). Members without direct deposit will earn 1.00% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. Rate of 2.00% APY is current as of 08/12/2022. Additional information can be found at

24 Today’s BoomeR

You like to believe simply swiping your card for a purchase or return will get the right amount of money in or out of your ac count, but it’s not always that easy. Grewal recommended reviewing your bank or credit card statements monthly, so you can catch any inaccuracies. “I personally have seen a merchant double charge my card, or charge the wrong amount or not return the item correctly,” he said. This step will only take a few extra minutes, but if you find a mistake, it can amount to major savings. 5. Procrastinating If you tend to leave items on your to-do list until the last minute, Grewal said this habit can force you to spend extra cash. “Whether it’s booking plane tickets or ordering something you need by a certain date, doing things ahead of time or scheduling a time each week to knock out your to-do’s for the next month will save you money,” he said. Read the rest here at money/financial-planning/ways-you-waste-money-every-dayand-dont-realize-it/



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BOOMER HEALTHY EATING: Fall in Love with Fresh Homemade Hummus & Tahini If you’ve ever had great hummus, you know it’s a treat. If you’ve experienced meh hummus, maybe too often, you owe it to yourself to make your own – while you can’t control the freshness or quality of store bought, you sure can do so at home.

By Chef Eben Atwater

herbaceous and very complex. They are definitely NOT buttery. Think of Greek oils as flavor enhancers and condiments. There are different tastes in Greek olive oils which are great to experiment with. Some have a tomato leaf essence, others are more lemony. You can get good Greek olive oils online at Greek markets and food shops.” Don’t know about y’all, but you don’t need to tell me twice – I’ve been a convert ever since I read that.

Ubiquitous in the Middle East, this dip/spread is built from chickpeas, (AKA garbanzos). they’re widely cultivated and enjoyed throughout the region, and for good reason – They pack decent calories, mono and poly unsaturated fats, no cholesterol, and an excellent assortment of vitamins. Add good olive oil, lemon juice, Finally a note on tahini – it’s critical to great hummus. Finding good tahini (ground sesame seeds), garlic, and a pinch of salt, and you’ve quality, fresh is far easier than it used to be, but if you want the got a delicious treat. best, you can build your own – here’s how.

House Made Tahini •

1 Cup fresh Sesame Seeds

+/- 1/4 Cup Extra Virgin Olive Oil

Pinch Sea Salt

Preheat oven to 350° F and set a rack in the middle position. Spread seeds evenly across a clean baking sheet. Bake until seeds lightly brown and are fragrant, about 10 – 12 minutes. Remove from oven and allow to cool to room temperature.

You’ll find a lot of online recipes using canned garbanzos, but you won’t find that here – your finished product is only as good as your ingredients. The first time you cook top quality dried against anything canned, you’ll never use the latter again – it’s a night and day difference. Get dried garbanzos from Rancho Gordo and you’ll get the best of the best, and likely never look back. For olive oil, my hands down choice is top quality Greek oil, and I’ll let my Tribal Sister, Christy Hohman Caine, explain why – “Your raw oil should come from Kalamata or Crete and be labeled PDO (protected designation of origin). Greek oils are usually greenish to greenish-gold in color. They are zippy, peppery, grassy, and

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Pour seeds and oil into a processor, (or blender), and pulse until a smooth paste forms – add more oil if needed, a teaspoon

at a time.

Store in a glass, airtight container in a cool, dark spot. Tahini may separate over time, but just flip and shake your container and it’ll be good as new.

– reduce heat as far as you can while still getting a simmer bubble and let them go low and slow until they’re creamy and almost starting to fall apart a bit. Drain the peas and reserve bean broth – it’s magic stuff as a base for soup or stew, or added to a pan sauce. Allow the peas to cool to close to room temperature. Add garlic cloves to a food processor and pulse until well minced. Add garbanzos, lemon juice, tahini, and cumin, and pulse a few times to get things incorporated. Running the processor, add the oil in a slow steady stream. Stop several times to scrape the sides down with a spatula. Add salt and continue to process until you have a smooth, creamy consistency. If things are too thick, add a tablespoon at a time of oil to thin it out.

Urban’s House Made Hummus •

1 pound Rancho Gordo Garbanzos

3/4 Cup Extra Virgin Olive Oil

1/2 cup freshly squeezed Lemon Juice

1/3 Cup fresh Tahini

3 cloves fresh Garlic

2 teaspoons ground Cumin

1 teaspoon Sea Salt

1 teaspoon Smoked Paprika

Vegetable crudités and/or pita bread for chowing

NOTE: volumes of ingredients other than garbanzos are to our taste – we think it makes great hummus – that said, the batch you make is yours, so adjust as needed to get what you love. Cook the garbanzos in the RG manner – stove top, covered with 2+” of fresh water, with 2 bay leaves and 2-3 small cloves of peeled and trimmed garlic. Bring to a full boil for 10-15 minutes, then reduce heat to a bare simmer and cook until the peas are tender, always maintaining at least 2” of water above the peas – add simmering hot water from a tea kettle to top things off.

Taste and adjust as desired – keep in mind that it takes a good 15 to 30 minutes for everything to get truly cozy and incorporated. Transfer to a serving bowl, drizzle with a bit more oil, and dust with the paprika. Chow down with veggie crudités, pita chips, flatbread, your finger, etc. Branch out and maybe top a bed of hummus with spiced beef and pine nuts, a wonderful Lebanese treat. Store refrigerated in an airtight glass container for up to 5 days, or freeze up to 2 months.

Do as Steve Sando advises on the RG website for cooking beans Today’s BoomeR 27

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