Dying Slowly in America

I was reading through a press release from the Center for American Progress and I they had some really interesting thoughts on health care in the age of the senior boom. The baby- boom generation has had a dramatic impact on every age bracket that they have reached and they will continue to change the way we see the world as they reach old age. The Center for American Progress has a plan for taking care of this population, but there are so many variables as we look at a rapidly increasing aging population and a rapidly changing medical system. So how will we care for this most populous generation as they age?

Will the government take care of me?

Don’t bank on it. The Center for American Progress is looking for a melding of public plans and private insurance to provide for the Long Term Care needs of the boomers. However, the boomers make up a large percentage of the tax base. Right now in their working years, the income tax they generate is paying a large portion of the costs associated with government health plans. To increase the scope of these plans seems highly improbable at a time when the 1 in 5 Americans will be of retirement age. The government will of course be providing some type of care, but it is hard to imagine lumping more costs onto an already over taxed group of programs.

A great deal of the care that the boomers will need is going to be assisted living services and nursing home care. The best possible solution for this generational change will be for people to turn to private insurance. The center is right that the future will involve a melding of public and private insurances to care for the aging population, but people will need to buy into Long Term Care insurance as a necessity of the modern medical system. Many baby-boomers are already paying into Long Term Care policies, but there are many people who need to look seriously at the medical reality of the senior boom.

If you are a couple, flip a coin

The Department of US Health and Human services found that once a person makes it to 65 years old they then will have about a 50% chance in needing care. If you are married than the stats say that either you or your spouse will need care. There are long term care insurance shared care plans available so that if one spouse dies and never needs care, all their benefits transfer to the surviving spouses’ plan. This ensure that if you are the person of the two that needs care you’ll be taken care of no matter what life throws at you.

It is going to be very interesting to see what happens as 8000 Americans a year enter nursing homes or assisted living situations. The generation that brought us the sexual revolution and redefined what it meant to be a teenager is now facing retirement and old age, and we are all waiting to see how they revolutionize it. It is impossible to know how things are going to change over the course of your life time, you just have to make sure that you are prepared for life’s challenges.

Why listening to AM radio should be a daily habit

Even before the Internet became popular and smartphones became ubiquitous, one tool has been dependable for getting information, receiving news, and being entertained.

The humble radio has been a pivotal part of mankind’s history, and even in the modern age it still remains important. Nowadays, many people can get by with listening to the radio without actually having the physical component. They can simply use their phones to tap into the AM and FM signals and get connected.

However, for many other people the radio is still quite indispensable. It can provide crucial information in times of need, such as in disasters or in extraordinary circumstances when it is not possible to receive news through the television or through the Internet. With enough batteries, a radio can be a vital lifesaving piece of equipment.

While most people would probably prefer tuning in to FM radio for their daily dose of music, do not be so quick to overlook its AM counterpart. There are many benefits of tuning into AM radio as well.

1. Wherever you are in the world — even in the remotest of places — AM radio signals are fairly easy to detect. Initially developed for telephone communication, AM radio has a narrower bandwidth than FM radio and it also has wider coverage. This means that AM radio signals can be transmitted over long distances.

Because it has a lower bandwidth, you can usually find more stations available, such as every 10 kilohertz. In general, AM radio has a range of 535 to 1705 kHZ.

The obvious downside here is that AM radio usually has poorer sound quality when compared with FM, which is why you will usually find more music stations on the FM frequency. However, the ability of AM radio to be transmitted over longer distances is a definite upside, and for radio operators, it’s cheaper too.

2. Most news programs and commentary shows can be found on AM radio. Before heading to work, make sure to check in on your local AM station for the latest news. You might find out about a traffic jam that you could easily avoid. It’s very easy and accessible to have the information you need — just turn on the car radio!

It will also even make your mornings productive, because you get to catch up with the current issues of the day while you are driving to work or on your commute.

3. In times of disaster, the AM radio is absolutely beneficial. What do you do when power’s gone out, there’s no Internet connection, and all you’ve got is a working radio? The AM radio can be a godsend — it can provide you news and information on rescue and relief efforts, and tell you all the crucial information you need to know. This is particularly useful to those living in countries where radio is still widely used to disseminate information, thanks to its wider reach that easily trumps both television and the Internet.

4. You’ll be entertained too. Who says only news shows are left on AM radio? You’ll find music here too; so the AM radio can provide you with both news and entertainment, without having to flick the switch.

5. You’ll be in a good mood. According to a Jacobs Media survey, in which 78,000 radio listeners from the United States and Canada were surveyed, 40% reported that they get into a better mood when they listen to the radio. For them, it’s the most important reason for tuning in. It helps them escape the everyday pressure of life and at the same time, provides them company.

So whenever you are feeling down, in need of some news and entertainment, or just a bit of company, turn on your AM radio, and you’ll be glad you did.