s ’ y a d o T Vol.2 No.4
Car Show Cruisin’ Don’t Waste Your Time:
Reassessing Retirement Assumptions Boomer Healthy Eating Fresh from the Farm E-Z Sweets Social Security: Spouses have a significant benefit
Parents to Grand Parents
Adventures discovering a whole new type of parenting Today’s BoomeR
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Up Coming CruisesBook Now! Paris to Prague River Cruise “Credit Union Leadership Exploration Symposium” August 16-27, 2013 Grand Mediterranean Odyssey 2013 “Credit Union Leadership Challenges Symposium” September 15-27, 2013 Eastern Caribbean Adventure 2013 “Credit Union Volunteers Forum” November 3-10, 2013 2 Today’s BoomeR
This Issue July / August 2013 Volume 2, Number 4
Car Show Cruisin’
10 Worst Beach Reads
’s y a d To Founder John Vardallas & Alexandra Maragha
Editor-In-Chief Alexandra Maragha Contributing Writers :
Reassessing 9 Retirement Assumptions Social Security
Boomer Healthy Eating 12
Karyl Richson: Social Security Chef Eben Atwater: Healthy Eating Advertising: Team For Letters to the Editor, articles and feedback as well as advertising inquiries email Alexandra@TheAmericanBoomeR.com
The American BoomeR.com
Fresh E-Z Sweets
Parents to Grand Parents
Business 2 Boomers Marketplace
John Vardallas CAE, CUDE CEO/Founder Professional Speaker Business/Lifestyle Strategist Boomer Sage and Blogger JohnVardallas@TheAmericanBoomeR.com (608) 577-8707 Alexandra Maragha Co-Founder, Editor-In-Chief Today’s BoomeR Alexandra@TheAmericanBoomeR.com Today’s BoomeR Vol.2 No.4 Today’s BoomeR is published six times (Jan/Feb, Mar/Apr, May/ June, July/Aug, Sept/Oct, Nov/Dec) a year by The American BoomeR.com 769 North Star Drive (Suite 207) Madison, WI 53718 All rights reserved. Reproduction in whole or in part without permission is prohibited.
The American Boomer @American_Boomer Today’s BoomeR 3
’s y a d To
Moving to the Middle
Holding a baby brings a sense of warmth, caring, responsibility and love for any parent to come to realize within a matter of moments after that new baby arrives. For the parents of the new parents, holding that new baby brings a sense of new and old emotions and experiences, with an even greater bond and tie formed, so I am told. Being a new parent of just giving birth to my son six months ago, I have been able to appreciate, understand and have a new connection with my own Boomer parents as I travel on this newp.journey 10 of parenthood and motherhood. I can begin to understand their worries, fears, and concerns that they had and still have with me today, while also transforming from just a daughter (and wife) to now a mother. This issue features the experience of one boomer enjoying the new arrival of her grandson and watching her son become a father. Our Boomer Finance is about Reassessing Retirement Assumptions, and Social Security talks about spouses having significant benefits. Enjoy the rest of summer p. 4 with delightful treats from Boomer Healthy Eating Chef Eben Atwater, and avoid taking the wrong book to the beach, or instead plan a trip to go Car Show Cruising! Enjoy this issue and here is to family!
p. 12 Alexandra Maragha Editor-In-Chief Send Letters and Feedback to: Alexandra@theamericanboomer.com
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Car Show Cruisinâ€™ Local classics to extraordinary exotics, plan your trip this season! Alexandra Maragha
Calling all car enthusiasts! If you are the kind to look, buy, remodel, collect or simply enjoy driving cars, plan a vacation to indulge in a day or longer trip full of cars! If you like muscle cars, antiques, classics or customs, car enthusiasts should not pass up a chance to visit a local car show or visit Barrett Jackson, one of the largest car auctions in the country this year holding shows in Reno Tahoe, NV, Las Vegas, NV and Scottsdale, AZ. Local Car Shows Summer time is prime time for local car shows to be the main attraction for small towns and
surrounding metropolitan areas. Check your local chamber of commerce to know if there are any car clubs in your area and if they hold events. Most local clubs hold weekly or monthly car shows and anyone who has hot wheels is usually able to enter Todayâ€™s BoomeR 5
their car for show for a small registration or entry fee and has an opportunity to show off and enjoy the company of other collectables and their owners. This is a great way to spend a day or night just talking about cars and all aspects from engine size to custom parts available for different makes and models, both new and old. Local car shows also give an opportunity to travel off the beaten path and enjoy the more scenic route of an area, as many car show participants travel 50 miles or more to attend and enter their cars for a chance at a best of show trophy or the simple credit and public recognition.
Barrett Jackson: Reno Tahoe, NV Wanting to get more bang for your travel and auto buck? Plan to take a trip to experience one of the largest and most extensive auto auctions
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in the country. Barrett Jackson is in international auto auction that brings exotic collectables to the spotlight for the highest bidder to bring home. The Reno Tahoe show will bring over 700 cars ranging from early 1900 collectables to muscle machines of the 60’s and 70’s and custom editions of the most recent models out on the market today. The event takes place August 8-10 and includes the auction, car shows with handsome cash purses available to the best car in show. Accommodations available and listed by Barrett-Jackson.com list hotel rates from $39 a night at the Circus Circus Reno, where the Barrett-Jackson Cup will be awarded during the Reno Show-n-Shine. The Show-n-Shine event is a daily competitions starting Wednesday, August 7 through Friday, August 9 and Finals on Saturday, August 10. Best of show is awarded $20,000. Cant make it? Plan ahead for a trip to the famous auction and car event in Las Vegas, NV September 26-28, 2013 and in Scottsdale, AZ January 12-19, 2014. Visit www.barrettjackson.com for more information.
Need a Beach Read Worth Your Time? Here Are the 10 Worst Choices By Bruce Watson, Daily Finance There are worse things than being stuck on a beach without a book to read, but it's still a pretty miserable situation. There you are, towel under your butt, sunscreen on your nose, and book in hand, ready to enjoy a lazy day of sun, swimming, and losing yourself in a Getty Images good read. And then â€Ś And then you find out that the book is miserably written. Or impenetrably dense. Or the characters are awful, or the plot is dull, or there's something else that makes you realize that you'd rather sit through dental surgery without anesthetic than read another page. And so you find yourself staring at the ocean, sitting next to a book that you can't bring yourself to pick up, twiddling your thumbs. If you're looking to maximize the ROI of your beach reads, you're in luck: Goodreads, the social media site for readers, has released a list of the "most abandoned" books -- the ones that the largest number of readers have given up on. While there are hundreds of books on the list, a few patterns quickly become clear. For example, the top abandoned classics -- "Catch-22," "Lord of the Rings," "Ulysses," "Moby Dick," and "Atlas Shrugged" -- include an impenetrably dense Irish novel, a complex American classic, a couple of morally ambiguous polemics, and one of the most richlydetailed, geekiest fantasies every written. Some of these patterns continue into the top abandoned mainstream books. "The Girl With the Dragon Tattoo," for example, is overly detailed (at least in the beginning), while "Eat, Pray, Love" suffers from the amazing self-obsession of its author/narrator. For fans of "Wicked" the musical, "Wicked" the novel's political machinations may seem a bit excessive; similarly, fans of Harry Potter may find themselves thinking that JK Rowling failed to finesse the transition from Hogwarts to local muggle politics in "The Casual Vacancy." As for "Fifty Shades of Grey," a large number of
readers just found it to be incredibly badly written. So much for the bad books, but what if you want a good Todayâ€™s BoomeR 7
bet to tuck into your bag? Luckily, Goodreads also has a list of top-rated beach reads, which it updates annually. Katherine Stockett's 2009 novel "The Help" tops this year's ranking, followed by more recent arrivals "Seduction," "The Wednesday Daughters," "Gone Girl" and "Orphan Train." And, for those with more specialized tastes, there are dozens of other suggested reading lists,
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including compendiums of the best one-day reads and the best socially-redeeming page-turners. In other words, regardless of your beach-reading tastes, Goodreads probably has a list for you. Bruce Watson is DailyFinance's Savings editor. You can reach him by e-mail at email@example.com, or follow him on Twitter at @bruce1971.
Reassessing Retirement Assumptions What makes financial sense for some baby boomers may not make sense for you Provided by Nick Abts There is no "typical" retirement Many baby boomers want one and believe that they will have one, and their futures may indeed unfold as planned. For others, the story will be different. Just as there is no routine retirement, there are no rote financial moves that should be made before or during this phase of life, and no universal truths about the retirement experience. Here are some commonly held assumptions - suppositions that may or may not prove true for you, depending on your financial and lifestyle circumstances.
#1. You should take Social Security as late as possible Generally speaking, this is a smart move. If you were born in the years from 1943-1954, your monthly benefit will be 25% smaller if you claim Social Security at 62 instead of your "full" retirement age of 66. If you wait until 70 to take Social Security, your monthly benefit will be 32% larger than if you had taken it at 66.1 So why would anyone apply for Social Security benefits in their early 60s? The fact is, some seniors really need the income now. Some have health issues or the prospect of hereditary diseases influencing their choice. Single retirees don't have a second, spousal income to count on, and that is another factor in the decision. For most people, waiting longer implies a larger lifetime payout from America's retirement trust. Not everyone can bank on longevity or relative affluence, however.
#2. You'll probably live 15-20 years after you retire You may live much longer, especially if you are a woman. According to the Census Bureau, the population of Americans 100 or older grew 65.8% between 1980 and 2010, and 82.8% of centenarians were women in 2010. The real eyeopener: in 2010, slightly more than a third of America's centenarians lived alone in their own homes. Had their retirement expenses lessened with time? Doubtful to say the least.2
#3. You should step back from growth investing as you get older Todayâ€™s BoomeR 9
As many investors age, they shift portfolio assets into investment vehicles that offer less risk than stocks and stock funds. This is a well-regarded, long-established tenet of asset allocation. Does it apply for everyone? No. Some retirees may need to invest for growth well into their 60s or 70s because their retirement savings are meager. There are retirement planners who actually favor aggressive growth investing for life, arguing that the rewards outweigh the risks at any age.
#4. The way most people invest is the way you should invest Again, just as there is no typical retirement, there is no typical asset allocation strategy or investment that works for everyone. Your time horizon, your risk tolerance, and your current retirement nest egg represent just three of the variables to consider when you evaluate whether you should or should not enter into a particular investment.
workers a choice of receiving pension plan assets in a lump sum payout instead of periodic payments. They aren't doing this out of generosity; they are doing it because actuaries have advised them to lessen their retirement obligations to loyal employees. For many pension plan participants, electing not to take the lump sum and sticking with the lifelong periodic payments may make more sense in the long run. The question is, can the retiree invest the lump sum in such a way that might produce more money over the long run, or not? The lump sum payout does offer liquidity and flexibility that the periodic payments don't, but there are few things as economically reassuring as predictable, recurring retirement income. Longevity is another factor in this decision.
#7. Living it up in your 60s won't hurt you in your 80s
Some couples withdraw much more than they should from their savings in the early years #5. Going Roth is of retirement. After a few a no-brainer years, they notice a drawdown Not necessarily. If happening - their portfolio isn't you are mulling a returning enough to replenish Roth IRA or Roth their retirement nest egg, and 401(k) conversion, so the fear of outliving their the big question is money grows. This is a good argument for whether the tax living beneath your means while still carefulsavings in the end ly planning and budgeting some "epic advenwill be worth the tures" along the way. Your retirement plan tax you will pay on the conversion today. The younger you should be created and periodically revised with an underare - roughly speaking - the greater the possibility the an- standing of the unique circumstances of your life and your swer will be "yes", as your highest-earning years are likely unique financial objectives. There is no such thing as gein the future. If you are older and at or near your peak neric retirement planning, and that is because none of us earning potential, the conversion may not be worth it at will have generic retirements. all. Nicholas Abts may be reached at 630-588-9070 or #6. A lump sum payout represents a good deal firstname.lastname@example.org Some corporations are offering current and/or former
This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Citations 1 - www.forbes.com/sites/janetnovack/2011/02/15/the-big-decision-when-to-take-social-security/ [2/15/11] 2 - money.usnews.com/money/retirement/articles/2013/01/07/what-people-who-live-to-100-have-in-common [1/7/13]
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Social Security: Spouses Have a Significant Benefit By Karyl Richson , Social Security Public Affairs Specialist
Social Security can be an important financial asset for married couples when the time comes to apply for retirement benefits. In many cases, one spouse may have earned significantly more than the other, or have worked for a longer span of years. Or it could be that one spouse stayed home to do the work of raising the children or caring for elderly family members while the other focused on a career. Regardless of your situation, Social Security will look at all possibilities to make sure both spouses receive the maximum benefit possible. Even if you have not paid Social Security taxes, it’s likely you’ll be eligible to receive benefits on your spouse’s record. If you did work and pay into Social Security, we will check eligibility based on your work record and your spouse’s to see which amount is higher. You can apply for spouses benefits the same way that you apply for benefits on your own record. You can apply for reduced benefits as early as age 62, or for 100 percent of your full retirement benefits at your “full retirement age. “ You can find your full retirement age, based on your birth year, at www.socialsecurity.gov/pubs/ ageincrease.htm. The benefit amount you can receive as a spouse, if you have reached your full retirement age, can be as much as one half of your spouse’s full benefit. If you opt for early retirement, your benefit may be as little as a third of your spouse’s full benefit amount. If your spouse has already reached full retirement age but continues to work, your spouse can apply for retirement benefits and request to have the payments suspended until as late as age 70. This would allow the worker to earn delayed retirement credits that will mean higher payments later, but would allow you to receive your spouse’s benefit. You can also apply for spouse benefits based on the earnings record of an ex-spouse or deceased spouse if you were married for at least 10 years. Spouses can consider a number of options and variables. We make it easier to navigate them. A good place to start is by visiting our benefits planner at www.socialsecurity.gov/ planners. Take note of the “Benefits As A Spouse” section.
If you are ready to apply for benefits, the fastest, easiest, and most convenient way is to apply online! You can do so at www.socialsecurity.gov/applyonline. Whether you receive benefits on a spouse’s record or your own, rest assured we will make sure you get the highest benefit we can pay you. Learn more at www.socialsecurity.gov.
Your Social Security Questions Answered Question: My wife doesn't have enough work under Social Security to qualify for Social Security or Medicare. But I am fully insured and eligible. Can she qualify on my record? Answer: Yes. The question you’ve raised applies to husbands as well as wives, Even if your spouse has never worked under Social Security, she (or he) can, at full retirement age, receive benefit equal to one-half of your full retirement amount. Your wife is eligible for reduced spouses benefits as early as age 62, as long as you are already receiving benefits, If your spouse will receive a pension for work not covered by Social Security such as government employment, the amount of his or her Social Security benefits on your record may be reduced. For more information, take a look at the fact sheet, Government Pension offset, Publication No, 05-10007 at www.socialsecurity.gov/pubs/10007.html. For more information visit www.socialsecurity.gov and select the “Retirement” tab. Question: What is the earliest age I can begin receiving Retirement benefits? Answer: The earliest age you can begin receiving Social Security retirement benefits is 62. If you decide to receive benefits before your full retirement age, which for most people is age 66 or 67 you will receive a reduced benefit. Keep in mind you will not be able to receive Medicare coverage until age 65, even if you decide to retire at an earlier age, For amore information go to www.socialsecurity.gov.
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BOOMER HEALTHY EATING: Summer's the time for quick meals and easier fare, as we take advantage of sunny warm days. Often enough, desert is the first meal component to suffer, or worse yet, get eliminated. Here's some fast and healthier options to bring it back into your meal.
Recipes and Photos from Chef Eben Atwater www.urbanmonique.com
Say Granita: I was introduced to this treat in Italy back in the '70s, and I've been a fan ever since; you will be too. Granitas are cool, refreshing, healthy as you want to be, and couldn’t be easier to make. Think of them as a grown up snow cone with dozens of options from fruit to coffee to herbs. Basically, a granita is a mixture of water, sugar and flavorings. With fruit in high season, you've got your best source for flavor and relatively healthy sugars wrapped in one neat package. Using refined sugar alternatives like honey or agave nectar means you can combine everything in one step, with no need to boil sugar and water to create a syrup. OK, first off, a ridiculously simple, no-sugar berry recipe: Rinse and de-stem one pound of your favorite berries, then freeze them overnight. Next day, toss ‘em into a food processor blender and let 'er rip until you've got a nice, even consistency - Bingo, you’ve got granita. Want something a bit more advanced taste-wise? Have at it! You're still looking at maybe 10 minutes work, tops!
1 pound fresh Strawberries, de-stemmed and rinsed
Juice of ½ to 1 fresh Lime
¼ Cup Honey or Agave Nectar
½ Cup fresh water
Throw everybody into the processor or blender and blend until you’ve got a nice, smooth consistency. Pour the goods into a glass baking pan in the 9” x 12” size range. Stick that in the freezer for a couple hours or so, then pull it out and with a fork, scrape the whole mixture to fluff 12 Today’s BoomeR
it up, turn it over, etc. Do that again every hour for a couple more hours. When you’re ready to serve, spoon the goods into martini or small margarita glasses with a nice little sprig of mint and wait for the oohs and ahhs!
Greek Yoghurt for topping
Throw the wine, water, lemon juice and zest and vanilla bean into a saucepan small enough to allow the figs to be about ¾ immersed, over medium-high heat and bring to a simmer. Reduce the heat to just maintain the simmer and let everything incorporate for about 5 minutes. Slice the bottoms off the figs so they’re nice and flat, destem them and carefully cut an X about ½” across the tops. Carefully set the figs into the liquid and simmer for about 5 minutes until they’re tender. Remove from heat and allow the figs to steep in the liquid for another 10 minutes or so. Plate in a shallow dish with a spoonful of poaching liquid and garnish with a dollop of yoghurt.
Sweet Simple Figs Want something that looks really elegant, exotic and in fact, a breeze? Try this wonderful treatment of fresh figs; a genuinely indulgent treat if ever there was one.
1 Cup Red Wine, (We like Old Vine Zinfandel or Petite Syrah)
8 fresh, ripe Mission Figs
1 Vanilla Bean, split and scraped
Juice and zest from ½ fresh Lemon
¼ Cup Honey or Agave Nectar
Eben Atwater is a Chef and writer who began cooking professionally in the 1970’s in Washington State and Idaho. In addition to a food blog he publishes with his wife and partner-in-crime Monica, Eben is an accomplished musician and instrument maker. He lives in western Washington State where he manages a bakery-café. Visit www.urbanmonique.com Today’s BoomeR 13
From Parents to Grand Parents Grandparents.com columnist Sally Koslow describes her new adventures as she discovers a whole new type of parenting; Grand parenting
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When Your Child Becomes a Parent Columnist Sally Koslow finds that having a grandchild also means she had a whole new relationship with her son.
I’ve gotten called on the carpet twice. My first demerit was for putting Emil in a playground’s baby-swing--carefully, with the hands-on support of my cousin, I must add. When I sent Jed a video of the escapade (guess who loves her smartphone?) he chastised me, saying Emil was too young for these experiences. Also, he wanted to be the first one to swing him, which I suspect was the real point. Like he’s going to remember, I thought as I took my licks, just as I did when I riled Jed by emailing my other son and daughter-in-law a picture of Emil wearing an adorable new sweater that had been a gift from them. “We like to send the picture when someone gives Emil a present,” I was told in a scold.
Since the moment he presented himself in the breech position with a mop of red hair, my son Jed hasn’t stop surprising me. I could never have imagined a little boy who at age three would start living for Star Wars, nor did I foresee an adult who for his 36th birthday would request Darth Vader and His Son, a book where Pops is like any other, if you don’t count being the Dark Lord of the Sith in a galaxy far, far away. Then again, I couldn’t have imagined my child as a father. Can I could have protested about being unfairly anyone? punished—I’d traveled an hour to babysit, One of grandparenthood’s sweetest perks is after all. But I decided to laugh to myself. the chance to see your baby become a par- Jed’s the dad. He’s earned the right to make ent. My own mother, not given to gushing, his rules, while mutual membership in the remarked on how touched she was to watch parenthood club hasn’t earned me the right to similar candor. It’s not my place to say me nurse, and I felt a similar pang when I why don’t you give the baby an occasional first laid eyes on Jed cradling his newborn. bottle of formula or let Emil get used to napEmil, my grandson, has now reached the ripe old age of seven months old, and each ping in his crib, not on your bed? Whether I time I see him with his father, I’m impressed agree with them or not, I’ve got to respect all over again by how Jed has so readily tak- the decisions Jed and his wife are making on Emil’s behalf. I am getting such a kick out of en to this daddy business. Is it intuitive, or has my kid been inhaling parenting books? granny hood that I can live with this. That Jed has joined the I-love-my-son-somuch-I-might-burst club has tiled our relationship toward equality. Not that we’re peers. The advantage seems to be in his court, freeing my first-born to speak up when he feels I’ve erred as a grandmother.
Having Jed become a father does makes me hope he has grown to understand how when I made decisions that affected him, I always had his best interests at heart. Not allowing him to watch TV on school nights or get his ear pierced in eighth grade and insisting that Today’s BoomeR 15
he to try to eat a fish that hadn’t been turned into a stick—I wasn’t being mean or arbitrary when I made these demands. I was just being a mom. I also hope that now that Jed has a child of his own who we both love deeply, it understands that it doesn’t mean I’ve stopped having big dreams for my son and his future. Some aspects of a relationship never change.
There’s “Real Time” and then There’s “Grandmother Time” When taking care of her new grandson, writer Sally Koslow finds that minutes and hours exist in a whole different dimension We’re all familiar with Greenwich Mean Time. We live GMT every day, scurrying about, barely catching our breath to comment on how quickly the years fly. When I spend time with my infant grandson, however, I enter an alternate universe, as if I’ve hopped on a train on Harry Potter’s Platform 9 ¾ and exit into GMT 2.0— Grandmother Time—where the wacky whims of babies dictate how the minutes pass. This realm of time is new to me, because when my kids were born, like every other mother, I—silly mommy—tried to live my life in real time, hoping my babies would comply. That worked out about as well as you’d expect; no matter how much I multitasked, I was a rush-rush stress machine whose life operated like anything but clockwork. In Grandmother Time, the clock slows as I attempt to go with my grandson’s flow. When we’re together, aware of how fleeting this infant stage is, I expect to get nothing “done” except hang, the two of us, baby and granny. I babysit for a few hours at a stretch, ostensibly in order to give my daughter-in-law a break; in truth so I get an up-close and personal view of Emil, our tiny new family member. During these dates, Emil and I exist in a luxurious bubble. Meals aren’t cooked, a home isn’t cleaned, adult books aren’t read, and email isn’t checked—unless the little dictator chooses to snooze. This doesn’t happen much. Emil, to the delight and shock of his parents, has been sleeping through the night since he was less than two months old, but from, say, six 16 Today’s BoomeR
a.m. to eight p.m. he is a sentinel virtually always on alert, sizing up his big, new world while he does aerobics, kicking his legs, flinging his arms, batting his mobile, lifting his head, and practicing his flip turns. There is also singing and dancing—he seems to especially enjoy our special Charleston—and yesterday, I propped him up beside me and for the first time, we read a book. Fun stuff. To keep me on my toes, Emil interrupts these antics, of course, with occasional grimaces and howls—sudden and sometimes long-lasting—that require me to guess whether he’s hungry, wet, dirty or in that Never-Neverland where he’s mad as the proverbial hornet yet fails to realize that he and I would feel a whole lot better if he’d give it rest.
When my daughter-in-law returns—a bit refreshed, I hope—I snap back to GMT. Yet when I leave, increasingly, I’ve been trying to take a bit of baby-Zen along with me, struggling to stay in the present tense rather than ruminate about the past or future. That is, unless my head is wrapped around happy memories. Emil is already giving me plenty of those along with returning recollections of those sweet forgotten years in his father and uncle’s life, when they, too, were twelve pounds and everyone wondered if their eyes would turn brown. Thanks, Emil. Sally Koslow is the author of four novels and the non-fiction book, Slouching Toward Adulthood: Observations from the Not-So-Empty Nest. She became a grandmother in June, 2012. Today’s BoomeR 17
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Here is a Sneak Peak of the Next Issue of Today’s BoomeR BoomeR!! September/October 2013 Issue:
Staying Fit After 50
Boomer Travel: Fly Away for Fall
Tailgate Party Rehab
Boomers Hit the Books
Healthy Eating: Food for Thought And More...
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Today’s BoomeR 23
24 Today’s BoomeR
Published on Jul 1, 2013
Holding a baby brings a sense of warmth, caring, responsibility and love for any parent to come to realize within a matter of moments after...