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Mature Marketing Links of the Week – 6/3

Monday, June 3rd, 2013

We’re back with the mature marketing posts, tweets and articles about boomers and beyond that generated the most buzz and interest. Don’t see your most memorable senior marketing post in this list? Please be sure to share in the comments below.

Most Shared

NPR’s recent article Boomer Housemates Have More Fun generated a lot of buzz this past week. The article chronicles the growing number of single boomers who are forming “group houses” as a way to stay connected with like-minded individuals and share the financial requirements of housing.

“We know that … about a third of baby boomers are single,” says Kelly. “But we also know that there’s a large percentage of those that are in their 50s and 60s [who] are getting divorced, and so we’re going to have more single individuals in the future. We just haven’t seen this before.”

Compared to a house shared in college, these boomers are finding the future brighter when they have roommates to engage with and share a healthy lifestyle. Click here to read the full article.

Most Clicked

New England was ranked as some of the healthiest states for boomers and seniors. The report, conducted by America’s Health Rankings, placed Vermont, New Hampshire and Massachusetts as the second, third and fourth healthiest states respectfully. The survey looked at a variety of factors including obesity, smoking, diabetes and inactivity. Number 1 state for healthiest seniors? Minnesota. The survey attributed this ranking in-part to a high percentage of volunteerism (according to the article, the second highest rate in the U.S.). Click here to discover how your state ranks.

Honorable Mention

While not mature marketing specific, an infographic detailing how several retailers navigated recent social media crises, including Burger King when their Twitter account was hacked, received a number of clicks this past week. The chart detailed the immediate responses to the issues, what you can do to avoid similar problems and how marketers (when they have a plan in place) can benefit from these events.

RELATED: Check out our 10 Practical PR Tips for Real Estate Community Developers to learn how you can make the most out of your PR program.

Posted in 40+, 50+, 60+, Advertising, Boomers, Branding, Internet, Marketing, Mature Consumers, Real Estate Marketing, Retirement, Uncategorized | No Comments »

Mature Marketing Links of the Week – 5/20/13

Monday, May 20th, 2013

As the song goes, “rainy days and Mondays always get me down.” But sharing great resources and insights is a nice antidote!

Welcome to another edition of the Mature Marketing links round-up. This is a collection of content that received the most attention from 50+ marketing pros in the past week on various social channels (Twitter, Facebook, LinkedIn, Google Plus, to name a few). And what set folks clicking last week?

1. MOST SHARED: The Baby Boomer Retirement Crunch Begins. US News & World Report took a look at 65-plus Americans, a group growing rapidly as Leading Edge Baby Boomers age. (This age band grew 18 percent between 2000 and 2011.) What does author Emily Brandon see as retirement for the typical 65-plus senior?

* Low incomes – In 2011, nearly 3.6 million elderly people (8.7%) lived below the poverty level in 2011. A typical 65-plus household had a median income of $48,538.

* Reliance on social security – 86 percent of people age 65 and older receive monthly payments.

* Continuing to work – In 2012, 18.5% of Americans age 65 and older were in the labor force. Those aged 65 and 69 are the most likely to be working. Brandon does note that some work because they have to, some because they want to.

* Staying put – It’s getting harder for destination retirement communities to attract older adults.

“Between 2011 and 2012, only 3 percent of people age 65 and older moved, compared to 14 percent of people under 65. And most older movers stayed in the same state (83 percent) and the same county (61 percent). Only 16 percent of people who traded spaces after age 65 relocated out of state or abroad. Most senior citizens (81 percent) also reside in metropolitan areas.”

RELATED: Todd Harff discussed locations in this post on Baby Boomer housing trends from the Urban Land Institute conference.

* Making it to Medicare – In 2011, 93% of 65+ers were covered by Medicare and 86% had supplemental coverage to fill in gaps.

* Longer retirement – Retirees and pre-retirees are more aware of the longevity bonus, in which the average life expectancy for people turning age 65 is an additional 20.4 years for women and 17.8 years for men.

Read the whole post in US News: http://bit.ly/12GpXFV

2. MOST CLICKED: 6 Myths about Social Media Marketing. Michael Mothner debunks misconceptions for Inc. We especially liked:

“Myth No. 2: My customers are older, so social media won’t work for my company.

A whopping 56% of Internet users 50 years or older use Facebook. Your clients and future clients are absolutely waiting for you to find them on Facebook–as well as Twitter, LinkedIn, Pinterest, Instagram and other social tools.”

Read all 6 myths: http://bit.ly/17Trehf

3. MOST FAVORITED (that’s the Twitter version of Facebook’s LIKE): An “oldie but goodie,” this 2011 post by Todd Harff makes clear the new realities of real estate marketing:

“No longer are builders simply ‘hunting’ 50+ homebuyers with oversized postcards targeted by age, zip and income. Prospects begin hunting on their own – starting their research online, on their time, long before they think of paying you a visit in the real world.

So an integrated Internet Strategy that matches your prospects’ preferences is a critical resource to help you pursue AND nurture Leads.

Lead nurturing is an ongoing conversation, not a series of hit-and-run campaigns.”

Read the post: http://bit.ly/11Re4QG

I hope you’re getting nicer weather in your neck of the woods. How about bringing some sunshine to this blog, and sharing your comments or questions below? Happy Monday!

Posted in 60+, Boomers, Real Estate Marketing, Silent Generation, Social Networking | No Comments »

10 Practical PR Tips for Community Developers

Tuesday, May 7th, 2013

Developers of master planned and active adult communities don’t want to waste time effort or money, yet too few are taking advantage of a proven technique: PR. Just like the other components of a successful integrated marketing program, public relations should be strategic and well thought-out.

Don’t know how to get started? We’ve got 10 easy and practical PR tips for community developers:

Have a strategy: Just as you would have your blueprints and construction schedule finished before starting a house, you need to have a clear plan for PR efforts. Create a calendar of PR opportunities for the year. Tie your PR to events, building phases, what’s happening outside the community, what homeowners are doing, etc. Be willing to make adjustments when new opportunities arise.
Just because you advertise doesn’t mean your story will be told: There’s a reason that PR is “earned media” not “paid media.” But be aware that smaller publications may be less open to your story ideas if you stop advertising.
The good, the bad and the ugly: It’s not enough to have a PR plan, you also need to have a crisis plan written out for every possible scenario (i.e., mold, product recall, natural disaster). Follow the advice given by Creating Results’ Todd Harff in Senior Housing News: Know who your happy homeowners are and have testimonials from these folks on various subjects ready to counter bad press.
Honesty is the best policy: Designate and train a company spokesperson for television and phone interviews who can respond honestly, accurately and quickly.
Be the accessible expert: Give great sound bites and bite sized nuggets that explain things in ”layman’s terms” and media will likely refer back to you for future stories.
Be ready for the unexpected: In today’s 24/7 news cycle, breaking news happens all the time. How could your story relate to trending topics? This process is called “newsjacking” and it offers both opportunities and risk to brands. If you’re considering trying to inject your brand into breaking news, first read this smart post in Ragan Daily on when it’s appropriate.
It’s not all about you: Don’t isolate your community; rather, become part of the larger community. Volunteer and invest your resources –tying your brand to a non-profit is a wonderful way to get your name out, while at the same time doing something positive. We worked with the developers of Arora Hills, a Maryland master-planned community in Clarksburg, Maryland outside Washington, D.C., to turn land slated for future development into a corn maze tying in with the community’s outdoor lifestyle messaging. All the proceeds went to a local charity, Hospice Caring, Inc. of Montgomery County. The result was increased traffic, an award-winning event and positive PR.
It’s a visual world: People – especially those over 50 – respond to stories told through images. Take advantage of the power of photos and online video and make it easy for media to get those visual assets. Include a (very small) jpeg with news releases emailed to reporters. Invest in professional photographers and videographers for big announcements or events so you can provide b-roll to media that don’t have the available staff to attend the event. Have a gallery of photography on your website that can be used by media at their convenience.
Sharing is caring: Once you have received coverage, use social media to share that good news with more and larger audiences
An integrated marketing/PR approach gives more bang for the buck: For client Westminster at Lake Ridge, a CCRC outside Washington, D.C., print and online stories on residents were repackaged for the client’s web site and direct mail. In the weeks after, prospect calls to the community surged and website visitors roughly doubled. For another client, Fairing Way, we planned a video shoot so that the footage could be used for a broadcast ad, website content and public relations.

Several studies have shown the PR outperforms advertising. A relatively low amount spent on public relations can not only deliver high ROI, it can lift the impact of your other real estate marketing efforts.

What do you think are some important PR tips? Share your tips and success stories in the comments below.

Tags: events marketing, PR, public relations, ragan daily, Real Estate Marketing
Posted in Healthcare - CCRCs, Marketing, Real Estate Marketing | 1 Comment »

What Do Baby Boomer Buyers Want in A Home?

Wednesday, April 24th, 2013

Urban Land Institute Trends Conference Take-Aways (Part 1)

The big question: “When it comes to a new home, what do Baby Boomers want?” The simple answer: “Everything.”

I recently had the pleasure of moderating an Urban Land Institute (ULI) panel of experts charged with identifying trends in housing Baby Boomers. We had questions. “Do Baby Boomers want to live in the city or suburbs?” “Do Baby Boomers want smaller homes or larger homes?” “Do Baby Boomers want a vibrant social life in a new community or would they rather age in place?”

The answers (like Baby Boomers themselves) are varied and complex. In today’s post I’ll share trends identified by three of the experts. Tomorrow, I’ll summarize the feelings of a final expert – and add my own thoughts on how to answer the big question in a way that engages Baby Boomers (and helps you meet sales goals).

ULI Report Demonstrates How Baby Boomer Economic Challenges Affect Home Buying Choices

John McIlwain, Senior Resident Fellow at The Urban Land Institute started off our panel discussion with highlights from his recently released report “Housing in America: The Baby Boomers Turn 65.”

This report is a must read for anyone who is involved in Boomer housing. It shows the increasing economic diversity and wide range of Boomer behavior. Mcllwain provides statistics on incomes and savings that show the critical need for many Baby Boomers to keep working.

He also argues that:
1. The future will not be like the past – It will require many new models.
2. Expect generational conflict as many Boomers out live their savings and require government support.
3. Boomers will need to work longer and are healthier, so just because they are 65 don’t expect a huge interest in retirement communities.

Forget “Senior Ghettos” – Consider Intergenerational Locations

St. John’s On The Lake
Milwaukee, Wisconsin

Dan Cinelli, Managing Principal, Perkins Eastman talked about some of the CCRC communities he has worked on including Newbridge on The Charles and a high rise community, Saint John’s On The Lake. These edgy, high style communities are not your traditional retirement communities.

Cinelli encouraged the audience to not only be more innovative in the architecture, but to also look for locations that will allow and encourage Boomers to be part of an inter-generational community.

As an example for the attendees of this ULI panel, we spoke about one of Creating Results’ clients, a brand new 55+ community with access to health, wellness and support services called Fairing Way. It’s part of a master-planned development which will have its own commuter rail station, walkable downtown, businesses, entertainment and 2,800 homes. The location provides all the help a person might need as they age, while living in and being part of an energetic all age community.

These Boomer Boots Were Made for Walking (And Shopping)

David Mayhood, President, The Mayhood Company, entirely agreed and emphasized the importance of walkability. His clients are in urban areas and he sees Leading Edge Boomers wanting to be in the middle of it all.

Mayhood also spoke about the critical importance of personalization of interiors far beyond a few options, “When they move they want change – many view this as an opportunity to start over and are excited about getting new furniture, new art work, new friends.” This is a long way from the Silent Generation buyers wanting to make sure that all their furniture from their big home fits in their new apartment.

What examples have you seen of these trends in action? Please share them in the comments below.

TOMORROW: More take-aways from the Urban Land Institute panel on Baby Boomer housing trends.

Tags: Housing in America, John McIlwain, Perkins Eastman, The Mayhood Company, urban land institute
Posted in 40+, 50+, 60+, Boomers, Healthcare - CCRCs, Housing, Marketing, Mature Consumers, Real Estate Marketing | 2 Comments »

CR Speaks! Marketing News (and Presentations) You Can Use

Thursday, April 18th, 2013

We’ve Updated our Library

Gain insights into marketing to Boomers and Seniors when you click here to view our library of recent presentations.

You can learn:

1. The Ins and Outs of Social Media: Explore how to use social networking to motivate the 50+ consumer.
2. The Nuts and Bolts of Email Marketing: Discover how you can effectively reach mature consumers, motivate them to act and measure your results with these simple action steps.
3. How to Align Your Brand with Mission: Learn how you can develop an authentic brand that allows your organization to thrive.
4. The Power of Generational Marketing: Identify how to move various cohorts through the purchase funnel.
5. How to Market to both Gen Yers and Boomers using Social Media and more: Identify the similarities between the two generations and how you can leverage within your marketing efforts.

Upcoming Events and Presentations
VANHA – May 21-24 – The Homestead, Hot Springs, VA
LeadingAge PA – June 19-21 – Hershey Lodge, Hershey, PA

Click here for a list of all upcoming speaking engagements. If you’ll be attending any of these conferences, we hope you’ll a) attend our sessions and/or b) meet us for a coffee! Just email todd@creatingresults.com.

Posted in 40+, 50+, 60+, Advertising, Boomers, Branding, Email marketing, Generation Jones (trailing edge Boomers), Healthcare - CCRCs, Internet, Marketing, Mature Consumers, Real Estate Marketing | No Comments »

Mature Marketing Links of the Week – 10/15/12

Monday, October 15th, 2012

Only 6 days until LeadingAge Annual Meeting in Denver! Looking forward to sharing insights into older consumers at our booth, #1443. In the meantime, here are the resources and links which got the most attention in the past week from those marketing to baby boomers and seniors.

1. MOST CLICKED: (Okay, you guys are trying to get me in trouble, aren’t you? My poking fun at the boss got the most clicks last week!?)

Looks just like @ToddHarff, doesn’t it? http://bit.ly/RZiwF9

2. MOST SHARED: No time for Tempe? More baby boomer retirees are passing over AZ, FL for “unconventional” locations, reports the Associated Press in their “Big Story.”

“Boomers and retirees these days are considering a much wider range of destinations for retirement, often choosing states that don’t commonly come to mind, such as Maine and Montana,” said Mary Lu Abbott, editor of Where to Retire magazine. “Yes, the Sun Belt remains popular, but many people prefer a four-season climate and enjoy the changing of seasons. They seek towns that are safe and have active, appealing downtowns and good hospitals nearby, and increasingly they’re looking for places with a lower cost of living and lower overall tax rate.”

… With baby boomers now reaching retirement age, they’re looking for places that are walkable with good restaurants, volunteer opportunities and perhaps college courses they might be able to take, said David Savageau, author of “Retirement Places Rated,” now in its seventh printing. They’re also looking for places with familiarity, where they’ve visited on vacation or perhaps spent summers as a child.

Read the full post: http://bit.ly/Xd7uNV

3. Three quick hits:

- The Jewish community is thought to have a larger share of people ages 65 and over than America generally, notes the Arizona Jewish Post in an article on how Jewish communities are preparing for / grappling with the baby boom. From medical help to heritage travel, find out what some synagogues and Jewish centers are putting in place: http://bit.ly/T4FaOW

- Aging tech expert Laurie Orlov says the “villages” model has “the buying profile of a yard sale.” She shares a report on the lack of financial sustainability in the village movement in a recent newsletter: http://bit.ly/TTjdSS

- The newest report from the Pew Forum on Religion and Public Life on the rise of “nones” – aka, people who say they have no particular religious affiliation – is fascinating.

“The growth in the number of religiously unaffiliated Americans – sometimes called the rise of the “nones” – is largely driven by generational replacement, the gradual supplanting of older generations by newer ones. A third of adults under 30 have no religious affiliation (32%), compared with just one-in-ten who are 65 and older (9%). And young adults today are much more likely to be unaffiliated than previous generations were at a similar stage in their lives.

These generational differences are consistent with other signs of a gradual softening of religious commitment among some (though by no means all) Americans in recent decades.”

15% of all baby boomers described themselves as religiously unaffiliated.

Read the Pew report: http://bit.ly/QhsuxK

Related post: Despite the drop in religious attendence and self-identification with a specific group, most baby boomers would describe themselves as “spiritual.” Can spirituality be a marketing motivator?

Tags: Associated Press, Jewish communities, Laurie Orlov, LeadingAge, Pew Research Center, religion, spirituality, village movement
Posted in Boomers, Real Estate Marketing, Retirement | No Comments »

Mature Marketing Links of the Fortnight – 9/10/12

Monday, September 10th, 2012

Normally we recap the top resources/articles for marketing to baby boomers and seniors on a weekly basis. But with Labor Day and some exciting projects for clients kicking off/taking hold … This week you get 2 weeks for the price of one! That’s right! And we’ll toss in a nice bonus if you click today. (I assume you’ve received your Ginsu knives already.)

On with the show:

1. MOST CLICKED: A post from Seth Godin on what he sees as a bumpy transition for advertising. Godin believes that what advertisers are used to buying (print ads where you pay $X to appear in front of a specified number of people) isn’t what the web is good at building.

Case Study: To connect with prospects – young professionals, first-time homebuyers in Metro DC – a Facebook advertising campaign became the cornerstone of a program that increased web traffic 500% in 12 months.

Case study: How an online advertising campaign drove web traffic for a DC area real estate client.

“Until advertisers start to value the focused, memorable, impactful opportunity they have in buying the right ads in the right place for the right audience, web users are going to be stuck seeing irrelevant ads on sites that don’t respect their time and attention as much as they should. We have salespeople and investors and agencies and buyers that come from a world of mass and scarcity, and the opportunities of focus and connection and abundance are taking a while to sink in.”

Thought-provoking, right? In fact it provoked a contrary thought from the Ad Contrarian.

“[Godin] is correct that placing display ads in focused environments is probably a lot more judicious than throwing them willy-nilly all over the web. But they are still famously ineffective …

The problem is not one of targeting or focus. The problem is that the physical properties of display ads render them essentially invisible. Until this problem is somehow addressed, display ads will continue to under-perform and their value will continue to deteriorate regardless of how brilliantly they are placed.

Categorizing ad types as “old media” versus “new media,” or “traditional media” versus “digital media,” or “online media” versus “offline media” is not an intelligent way to think about advertising. In fact, because of its physical properties an online display ad has much more in common with a small space newspaper ad than it does with a YouTube video or a website.”

Read Godin’s post: http://bit.ly/S3dsvI. Read the Ad Contrarian’s post: http://bit.ly/U4wumQ. Then, please share your own opinions in the comments section below.

2. MOST SHARED: Appropriate for a 2-week round-up, we’ve got 2 contenders:

* Social media savvy nows no age, writes Veronica Guzik in Social Media Today. “Boomers have the life experience. Coupled with the ability to overcome nearly any learning obstacle, Boomers have proven to be the most social media savvy. Their entire lives have been focused around adapting, and that is what they do best in stride.” http://bit.ly/P4IgNQ

* The rise of the single person household (and single home buyer): from “immoral” to normal, important stats for marketers. Note the higher percentage of women living alone after 55 than men. http://bit.ly/P4IAfs

But wait, there’s more! A hysterical look at social media numbers without meaning/context, from Prof. Stephen Colbert. It’s filled with truthiness. http://bit.ly/TBRyVT

Happy Monday to all. 47.

Tags: Ad Contrarian, online advertising, seth godin, single person household, social media measurement, Social Media Today, Stephen Colbert
Posted in 50+, Boomers, Housing, Marketing, Real Estate Marketing, Social Networking | No Comments »

Mature Marketing Links of the Week – 8/13/12

Monday, August 13th, 2012

Happy Monday! Erin is on vacation this week so it is my pleasure to bring to you the top 50+marketing links of the week. Be sure to share your thoughts in our comment section.

MOST SHARED: It’s good to be king…our infographic showcasing what baby boomers and seniors do online received a number of shares last week. Email remains the #1 online activity. As marketers continue to become more aware of the spending power of boomers and seniors its is more important than ever to be sure your brand has a presence where your 50+ prospects spend the majority of their time. Want to learn more? Click here to download your copy.

MOST CLICKED: The latest research by Nielsen and BoomAgers via Marketing Charts reports that boomers control 70% of disposable income in the US. This report focused on a segment they dubbed “Techno Boomers” who are avid purchasers of new technology (it even reports they are 40% more likely to use iPhones and business-related social networking sites). As to how much they spend online….a reported $7 billion a year. Click here to read the full story.

HONORABLE MENTIONS:

1. Fitness programs for seniors among “Top 20 Fitness Trends for 2012″: Article within Montgomery Advertiser introduces some very active seniors and highlights results from a study of 2,600 fitness professionals. Many noted the creation of “age-appropriate fitness programs” as a major trend in the industry as more and more seniors seek out more fitness options.

2. Senior housing is of great interest among Institutional Real Estate investors per an article in Senior Housing News. More than a fifth of respondents (23%) noted investments in senior housing while another 13% plan to invest in the future.

Posted in 40+, 50+, 60+, Boomers, Email marketing, Housing, Internet, Marketing, Mature Consumers, Real Estate Marketing, Social Networking, Uncategorized | No Comments »

Mature Marketing Links of the Week- 7/9/2012

Monday, July 9th, 2012

It was a somewhat short week last week as we celebrated the 4th of July and many extended the holiday into the balance of the week.

Below is our weekly recap of top resources and references for marketing to the mature consumer that received the most attention last week. Would love your thoughts and “must-reads” in the comment section. Have a great week!

1. MOST CLICKED: As the needs of boomers change, hospice services have diversified. The article in The Wall Street Journal detailed the new face of hospice.

“As they brace for the eventual needs of the aging baby boom generation, hospice providers are working to diversify their services and dispel misconceptions about what they do.”

With the number of people requiring hospice care doubling over a decade, the article detailed the broad range of services many hospice organizations are now offering to ensure they are meeting the needs of a population that is living (and thriving) longer, including pre-care for patients who may not be terminally ill.

Read to article: http://ow.ly/c1UeQ

2. MOST SHARED: What Percentage of Baby Boomers and Seniors are Gay? A recent report by Experian Simmons generated a number of shares and clicks.

Per the report- the breakdown of the LGBT population by age has skewed younger over the last several years, with 16% of LGBT adults aged 65 and better. Our blog post on this research took the numbers a step further examining the number of LGBT Americans reaching retirement age every week (approximately 10,000). What are you doing to target the “gay and gray”?

3. WORTH SHARING: eMarketer released findings from the CMO Council showing that email continues to reign supreme as an effective marketing channel, with 67% of marketers ranking the avenue as most successful within digital marketing. The article cited automated messaging and personalization via data segmentation as reasons for year over year increases in open and click through rates. How can you capitalize on the continuing trend of email serving as a powerful player in the digital marketing field? Read our blog post on Loyalty to learn more.

Tags: Boomers, email marketing, mature consumers
Posted in 40+, 50+, 60+, Advertising, Boomers, Email marketing, Healthcare - CCRCs, Marketing, Mature Consumers, Real Estate Marketing, Silent Generation | No Comments »

Mature Marketing Links of the Week – 6/18/2012

Monday, June 18th, 2012

Happy Monday! I hope you enjoyed a lovely Sunday celebrating your fathers – or being celebrated as a Dad, a Pop or PopPop, a Grandpapa, a Pai, a Granddad, a Boppa …

We skipped last week’s round-up of the top mature marketing resources as judged by the number of shares, re-tweets, comments and likes on various social platforms. (Sorry, client needs come first!) So this week we’ll look back over two weeks of engagement.

1. MOST SHARED: Creating Results’ infographic detailing the online activities of Gen X, Baby Boomers, Silent Generation and beyond.

Curious about which social platform is most used by Social, Silver Surfers? Wondering whether to put your marketing time and budget towards email or Facebook? You’ll find useful charts with actionable data.

Download the infographic: http://bit.ly/50Web

2. MOST CLICKED: The Aging In Place, Universal Design, Age-Friendly Revolution, by our friend Chuck Nyren.

“Not quite as ubiquitous as The Blob (but friendlier), the UD revolution is oozing into public places, private places.

50+ Homeowners, urban and suburban architects and planners, product designers industrial and tech – all are finally paying attention to what many have been furthering for years.”

Read the post, a collection of pieces by Chuck dating back to 2005: http://ow.ly/ba1tY

Read a related post on UD by our own Kathy East, examining what home buyers want that builders don’t offer and vice versa: http://bit.ly/L8zLD6

3. Seth Godin details the “7 Marketing Sins” – is your organization / brand guilty of any of these? We especially like Seth’s insight that

“Of course, they’re not marketing sins, they’re human failings. Humility, empathy, generosity, patience and kindness, combined with the arrogance of the brilliant inventor, are a potent alternative.”

Read the post: http://bit.ly/KWVhEJ

4. Here’s one that should have gotten more clicks: there are gender differences when it comes to supporting adult children.

If you want a loan for a car or help paying insurance, better to visit the Bank of Dad, reports the Washington Post. Mom will want to talk about the issue and is less likely to sacrifice her retirement savings for your credit card debt.

Read the article: http://wapo.st/PaWfS5

5. MOST WONDERFUL: This viral (yes, VIRAL!) video speaks for itself.