I encourage you to visit the Flu.gov  website made available through the Centers for Disease Control and Prevention (CDC) in Atlanta, Georgia.

Find out the myths and facts about the H1N1 virus, and its’ symptoms compared to the seasonal flu.  The site has public services announcements, downloadable brochures and pamphlets to read and share, information pertaining to various parts of the population, and much. much more.

You can pose a question to the “Flu Experts” online, and click on an interactive flu shot locator map on the home page.  This site is for everyone; laypeople and health professionals alike.  This information will educate you on the many ways to use “preventive medicine” to help you avoid getting and spreading the “Swine flu” (H1N1 virus).

Here’s to your health!

Joan Jackson, Principal

JMJ Information Services 

Market Research and Information Products for Your Business

Author and Contributor of e-booklets:

~ 101 Simple Ways to Reduce Your Carbon Footprint and Save Money!

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy: From a Collection of Experts

 

The National Council on Aging (www.ncoa.org) is now offering free counseling on reverse mortgages!  Counselors will waive the standard $125.00 (USD) fee to help folks 62 and older understand how these loans actually work. 

You can schedule a free session for yourself through September 30 by calling: 1-800-510-0301.  Also, download a free booklet, Using Your Home to Stay at Home, at: www.ncoa.org/reversemortgagecounseling.

If you’re a Boomer not yet 62, then please pass this information along to those who are!

Joan Jackson, Principal

JMJ Information Services 

Market Research and Information Products for Your Business

Author and Contributor of e-booklets:

~ 101 Simple Ways to Reduce Your Carbon Footprint and Save Money!

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy: From a Collection of Experts

A great one-stop resource for grandparents raising their grandkids is AARP’s grandparenting section: www.aarp.org/family/grandparenting, which offers a lot of articles and helpful information including a GrandCare tool kit.

Joan Jackson, Principal

JMJ Information Services 

Market Research and Information Products for Your Business

Author and Contributor of e-booklets:

~ 101 Simple Ways to Reduce Your Carbon Footprint and Save Money!

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy: From a Collection of Experts

Hello all,

Here’s another great tidbit from The Savvy Senior, written by Jim Miller, a regular contributor to the NBC Today Show and author of “The Savvy Senior” book:

  • Hotels: While most hotels offer minimal senior discounts, the Hyatt (www.hyatt.com; 888-591-1234) offers the biggest – up to 50% off to seniors, age 62 and older.
  • Transportation: The only domestic airline that still gives discounts to seniors today is Southwest (www.southwest.com; 800-435-9792), which offers senior fares to passengers age 65 and up. For train travel Amtrak offers a 15% discount to coach travelers age 62 and older (www.amtrak.com; 800-872-7245). And if you’re going by bus, Greyhound (www.greyhound.com; 800-231-2222) offers a 5% discount on unrestricted fares to seniors over 62. Also, most local bus lines offer discounted senior passes.
  • Car rentals: Most car rental companies offer discounts to seniors, especially to club members like AARP and AAA.
  • National Parks: One of the best travel deals available is the “America The Beautiful – Senior Pass” (www.nps.gov/fees_passes.htm). This is a lifetime pass that will let you and anyone in your car into national parks, forest, recreation areas and monument grounds. Available to those 62 or older, you can get it at one of the federal recreation sites for a one-time fee of $10 and it never expires.

And, here’s a title recommended:

Another great resource is Joan Rattner Heilman’s book “Unbelievably Good Deals and Great Adventures That You Absolutely Can’t Get Unless You’re Over 50,” (McGraw-Hill; $16.95). In its 18th edition, the 2009-2010 version lists hundreds of discounts, perks and privileges on just about everything. You can find this book online and in bookstores nationwide.

Joan Jackson, Principal

JMJ Information Services

Market Research and Information Products for Your Business

Coverageforall.org  is a comprehensive site that provides information and links to all private and public health insurance programs in each state, and offers a short quiz that you can take to help you identify the best insurance option for your particular situation.

You can also call for help at 800-234-1317.

Joan Jackson, Principal

JMJ Information Services

Market Research and Information Products for Your Business

Hello Folks!! 

I’d decided to take a hiatus for the month of July.  I trust that everyone is having a relaxed summer so far!  Now I’m back to bring you more newsworthy nuggets for your “knowledge pleasure”

As mentioned in the title, August is National Immunization Awareness Month.  This not only applies to us Boomers, but everyone!  Below is an article from the CDC (Center for Disease Control) that’s worth your attention:

August is recognized as National Immunization Awareness Month (NIAM). The goal of NIAM is to increase awareness about immunizations across the life span, from infants to the elderly.

August is the perfect time to remind family, friends, co-workers, and those in the community to catch up on their vaccinations. Parents are enrolling their children in school, students are entering college, and healthcare workers are preparing for the upcoming flu season.

Why are immunizations important?

Immunization is one of the most significant public health achievements of the 20th century. Vaccines have eradicated smallpox, eliminated wild poliovirus in the United States. and significantly reduced the number of cases of measles, diphtheria, rubella, pertussis and other diseases. But despite these efforts, people in the U.S. still die from these and other vaccine-preventable diseases.

Vaccines offer safe and effective protection from infectious diseases. By staying up-to-date on the recommended vaccines, individuals can protect themselves, their families and friends and their communities from serious, life-threatening infections.

Who should be immunized?

Getting immunized is a lifelong, life-protecting community effort regardless of age, sex, race, ethnic background or country of origin. Recommended vaccinations begin soon after birth and continue throughout life. Being aware of the vaccines that are recommended for infants, children, adolescents, adults of all ages and seniors, and making sure that we receive these immunizations, are critical to protecting ourselves and our communities from disease.

When are immunizations given?

Because children are particularly vulnerable to infection, most vaccines are given during the first five to six years of life. Other immunizations are recommended during adolescent or adult years and, for certain vaccines, booster immunization are recommended throughout life. Vaccines against certain diseases that may be encountered when traveling outside of the U.S. are recommended for travelers to specific regions of the world.

Be aware, and stay aware of your health.  Stay tuned for more information-rich nuggets!

Joan Jackson, Principal

JMJ Information Services

Market Research and Information Products for Your Business

I ran across an article dealing with a subject many Boomers – and older adults – are dealing with, especially in today’s economy: Boomerang children (adult children returning to their parents house for various reasons).  However, clear expectations clearly spelled out can help to squelch “household drama”.  The article starts below:

 

“Mom, I’m home …”

The term “boomerang children” is commonly used to refer to adult children who leave home but then at some point return to live with Mom and Dad. The trend is clearly on the rise, with job insecurity, a troubled economy, increasing college debt, and the cost of housing all driving the boomerang phenomenon. Also, sociologists blame a general prolonged adolescence, where children over rely on their parents for money and help with everyday life decisions.  Read on…

I would like to introduce a company to you that’s dedicated to the growth and marketing of small business owners.  It’s called JMJ Information Services, and yes…I am the owner!

My company is an information consulting and market research company.  I perform customized business research and create value-added information marketing products to promote and grow your business.  If you’ve seen one of my e-booklets in a previous blog, 101 Online Financial Calculators That Every Entrepreneur (and Everyone!) Needs, then you get an idea of a booklet that can be specifically created for your business.

 I’ve been in the information research business for many years, and I’m also currently a Reference Librarian with a Silicon Valley-based public library.  Having worked for IBM and other IT corporations,  I understand the importance of reliable business and competitive intelligence research, as well as information products for a business to thrive and succeed!

Please feel free to contact me for your business’ informational needs!  My motto is:

At JMJ Information Services,

 Quality & Integrity ar Standards, Not Options!

 

Joan Jackson, Information Consultant and Publisher

JMJ Information Services

Boomer information website: Baby Boomer Resource Center

Author and Contributor of e-booklets:

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy: From a Collection of Experts

In today’s The Savvy Senior blog, author Jim Miller brought out very helpful information about safety devices for seniors (and just about anyone) who live alone.  This information is also very relevant to Baby Boomers too, whether you live by yourself,  you’re concerned about a parent or loved one, or you have an infirmity that may prevent you from calling for help.  Read on:

Dear Savvy Senior,

I’m interested in getting my mother one of those emergency call systems with a wearable push-button for her home in case she falls or needs help, but could use some help. What can you tell me?

SOS
 

Dear SOS,

The product and service you’re inquiring about is known as a “personal emergency response system” or PERS. But with so many on the market, it can be a bit confusing figuring out which system is best for your parent. Here’s what you should know.

Senior Lifeline

Each year, one-third of seniors in the U.S. suffer a fall, often with serious consequences. Add in the fact that 11 million Americans age 65 and older live alone and we’ve got a serious problem on our hands. The solution: A PERS – which is essentially a wireless hotline to help.

A PERS is a home-based emergency alert service that will connect your mother to a 24-hour call center with the push of a button. The transmitter (SOS button) is typically worn as a neck pendent, wrist band or belt clip. When pushed, it sends a signal to a receiver console that’s connected to the home telephone line. They don’t work with cell phones. When your mom pushes the button, the dispatcher at the call center evaluates her situation and will notify you, another relative, a caregiver or 911, as needed. With most PERS set-ups, your mom can talk with the dispatcher from anywhere in the house through the system’s receiver which works like a powerful speaker phone.

While a PERS can be a wonderful home device for elderly seniors, it does have its drawbacks. Many seniors don’t wear their SOS button regularly and if they do have it on and fall, they still have to be alert enough to actually hit the button.

Where to Look

With all the different PERS options available today, the Internet is the best place to start your search. PERS is available through national companies (such as www.lifelinesys.com, www.rescuealert.com, www.lifefone.com and www.lifestation.com) as well as local or regional providers. Local providers are usually run by hospitals or social service agencies. A typical Internet search will bring up only the national companies. Adding a town, county, or state to your search will help you find local or regional options. Also check with your Area Aging Agency (call 800-677-1116 to get your local number). It’s worth checking out both local and national providers because features, pricing and quality will vary.

Options and Costs

In most cases, PERS equipment (receiver console and SOS button) is rented but some companies offer the option to buy. Costs, too, will vary but you can expect to pay a small set-up or activation fee along with a monthly service/monitoring fee, usually around $1 per day. Most companies give discounts for longer-term agreements, but be careful of contracts that lock you in. Some services may even offer discounted pricing options for lower-income seniors. You’ll need to ask. And some companies may provide extra services (in addition to the basic PERS) such as check-in calls, wake-up calls and medication reminders for an additional cost. When choosing a service, pay attention to the small print and always ask for a detailed price quote. Most health insurance plans, including Medicare, don’t cover PERS.

Home Monitoring

If you’re looking for a more thorough service, check out “home monitoring systems.” These services combine the PERS with motion detectors (not cameras), placed in key areas of your mom’s home, that will let you know (via phone or e-mail) if something out of the ordinary is happening. For example, if she didn’t get out of bed at her usual time, or went to the bathroom and didn’t leave, this could indicate a fall or other emergency. The great thing about this type of system is it requires no input from your mother and you can check in on her anytime through their password-protected Web site. These monitoring systems, however, are more expensive than a PERS and are not covered by insurance. To find and compare systems visit QuietCare (www.quietcare.com; 877-822-2468), Healthsense (www.healthsense.com; 800-576-1779) and GrandCare (www.grandcare.com; 262-338-6147).

Joan Jackson

Publisher and Information Consultant
JMJ Information Services

Boomer information website: Baby Boomer Resource Center

Author and Contributor of e-booklets:

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy: From a Collection of Experts

If you have been blessed to have a pension after retirement, AND, are going to seek some form of employment after retirement, then here’s a great tax tip that I discovered after reading the May 2009 edition of Kiplinger’s Retirement Report, p. 12:

If you’re a pensioner who is returning to work, you may need to adjust your tax withholding to account for the new source of income.  Getting your withholding on your pension and your paycheck in sync can avoid an unexpected tax bill next year.

Generally, you file Form W-4P if you have money withheld for tax from your pension payout.  When returning to work, a former retiree will file a Form W-4 to withhold money from employer pay.

Use IRS worksheets to figure out how many allowances to claim.  Then choose how you want to divide up those allowances between the two sources of income.  For example, you could claim all your entitled allowances on your Form W-4 so you can take home most of your check and put zero allowances on your W-4P so that your pension will cover your tax bill.

For more information, refer to ‘Retirees Returning to the Workforce’ in IRS Publication 919.

Joan Jackson, Publisher

Author of e-booklets:

~101 Online Financial Calculators Every Entrepreneur (and Everyone!) Needs

~70 Tips – Thrive in Business in Any Economy

 

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