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Archive for the ‘Retirement’ Category

Mature Marketing Links of the Week – 5/13

Monday, May 13th, 2013

Happy belated Mother’s Day. Today we not only celebrate the most eye catching mature marketing posts about boomers and seniors, but we celebrate Moms the world round.

Most Shared:

A Wall Street Journal article chronicling how Baby Boomers are stepping up as care givers for their parents received a number of clicks this week.  The article shares stories of multiple generations coming together under one roof as aging parents require more assistance and care. When examining fears or concerns about life transitions, the author notes that making sure mom and dad have the help they need (and how to balance that with their boomer children’s own financial worries) is typically high.

Last year my mom was faced with the same challenges and moved in with my brother and family. While it’s an adjustment for all, the benefits have seemed to outweigh the negatives. A similar sentiment was echoed within the article:

Even as these responsibilities loom large, the emotional payoffs can be extraordinary. We bond with our parents in ways we never had before. We feel appreciated, rewarded, loved, grateful and proud.

According to the article, having a sound financial plan will ensure your parents can continue to thrive and enjoy life during this new phase is key, and has helped many ease into this new life transition with ease.  Read the full article here.

Most Clicked:

The business of growing old is Joe Schlesingerbeautifully detailed in Joe Schlesinger’s article The full-time job of growing oldThis well-known journalist shares insights into the challenges that he’s learned to manage or overcome as he’s aged…from a never-ending list of doctors and medications to requiring Google when his memory fails him.

Once upon a time I used to do things like jumping out of a helicopter in Vietnam as it hovered over a landing pad under enemy fire…I can no longer do these things, but, thanks to the internet, I can get around to distant places and events by letting my fingers do the walking. And I do.

Schlesinger inspires with his words of wisdom as he reminds us of the best way to remember your own history- keep exploring.  Read the full article here.

Have articles of note we should share?  Please note in the comment section below.

Mature Marketing Links of the Week – 2/18/13

Monday, February 18th, 2013

A weekly round-up of the week’s top resources for marketing to baby boomers and seniors, as judged by clicks, shares and comments on Twitter, Facebook, LinkedIn and Google+.

73 year old Fitness Instructor John David

Photo Credit: Shiho Fukada for NPR

MOST CLICKED/MOST SHARED: Working past retirement age is not really a boomer phenomenon, notes NPR News in an inspiring piece about a 73-year-old fitness instructor, John David. As reporter Ina Jaffe commented,

“Retirement isn’t what it used to be, or even when it used to be.

Since the late 1970s, the percentage of Americans over 65 who are still working has doubled. Sometimes these people are working because they need the money. But increasingly, people are staying in the workforce into their later years because they’re living longer and staying healthy longer.”

Read the post: http://n.pr/WGzzgI

 

Also of note:

chart - statistics older people online - video, news, health
News and video are among the top online activites for older adults

* Infographic — the past, present & power of YouTube: http://bit.ly/W5HD8N

RELATED: Online video marketing and matures: http://bit.ly/Pmqk0C

* The Content Revolution: Why All Marketers Must Become Journalists (Forbes):  http://onforb.es/Y2v53A

* Keep it short, real, personal: tips for improving email marketing (Travel Market Report): http://bit.ly/WRUHSW

* Optimism and confidence on the rise for the 55+ active adult housing market (Senior Housing News): http://bit.ly/11QBkhg

 

Did we miss a link that you felt offered great value in marketing to seniors and baby boomers? Please share it in the comments, below.

Mature Marketing Links of the Week – 10/29/12

Monday, October 29th, 2012

As Pooh would say, “It’s a rather Blustery Day” for those of us along the East Coast. (My own sentiments lie with Piglet, who observed “I don’t mind the leaves that are leaving. It’s the leaves that are coming.”) Stay warm, stay safe, stay with this post a few moments more and learn what were the top 50+ marketing links last week!

MOST CLICKED: Each month when we give clients a status report on their website we include metrics for conversions. Conversions are completions of a goal; for our clients, they’re typically related to completed forms. Last week, MarketingSherpa reported web conversion rates by industry and it became the most clicked item of the week.

MarketingSherpa chart showing website conversion rates by industry, including financial services, travel, healthcare, technology, and not for profit The new data gives some context to our reporting; it is a stab at answering the question “but how does that number compare to others?”

However, as our wise friend Diane Gorine notes, “Interesting they did not define ‘conversion rate’ for the participants (or collect the definition).  It makes this data challenging to use.”  Indeed, MarketingSherpa’s Daniel Burstein writes:

“A conversion rate can refer to any goal a marketer has, from the sale of a product to a lead form fill, newsletter subscription or free-trial software download.
Perhaps, in the above chart, financial services firms’ main conversion goal is simply an email address for a lead in exchange for a free e-book or print publication, and media websites might only be looking for a free newsletter subscription. Whereas, nonprofits might be focused on a much harder conversion goal to attain — a cash payment in exchange for an idea of doing good, which requires a much higher commitment on the part of the customer and much less obvious concrete value.”

Read the full post:  http://bit.ly/TPGMXm (Just be a little cautious when comparing to your own web conversion rates.)

 

MOST SHARED: Last week, readers of our Twitter feed, blog and other social channels proved their interests are as varied as baby boomers themselves. Several items were passed along.

* 43% of baby boomers 45-54 have little/ no trust in their retirement security, up from 33% in 2009 - new Pew research on financing retirement http://bit.ly/SsihSY

* Headline heralds rise in time spent on mobile, but look at TV! eMarketer http://bit.ly/RhHbRY

* Great chart! Content marketing tactics used by B2B. Marketing Profs http://bit.ly/VXWBTf

* As baby boomers move out/downsize, will there be a glut of big homes on market? Wall Street Journal http://on.wsj.com/SnLuiW

 

Back to you, Pooh. (Click image or this link to play video.)

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?

Mature Marketing Links of the Week – 8/27/12

Monday, August 27th, 2012

“Summer’s lease hath all too short a date.” ― William Shakespeare, Shakespeare’s Sonnets

The last Monday in August. The last Monday of Summer. To ease the pain, we’ve collected the week’s top tips/resources for marketing to baby boomers and seniors.

1. MOST CLPhyllis Diller died at 95 last weekICKED: The great comedian Phyllis Diller died last week at 95. This video of Diller “auditioning” for the Spice Girls had people clicking and laughing. Why did she want to be a Spice Girl? “Because I hear spice is used as a preservative. At least that’s what the Egyptians used when they mummified me.” RIP, funny lady.

See the video: http://www.youtube.com/watch?v=LGD7TNnDeSQ

2. MOST SHARED: What is making 60+ and 70+ Americans so optimistic? Resilience, financial security, writes Paula Span in the New York Times’ terrific blog, “The New Old Age.” Span writes she read the recent United States of Aging report and wondered what was making the respondents over 70 so “insistently optimistic.”

When I called a couple of my favorite gerontologists to help me puzzle this out, they weren’t really surprised; social scientists have known for years that older people, freed from the midlife stresses of work and child rearing, become happier. They call it the U-shaped curve: life satisfaction is greatest in people’s youth and then again in old age.

“You’re seeing resilience,” said David J. Ekerdt, a University of Kansas gerontologist. “You’re seeing the way we adjust our frames of reference to continue to assert, ‘I’m the kind of person who’ll be O.K.’” …

It’s also true that those over 70 are more likely than the boomers behind them to have retired with pensions, intact marriages and paid-off mortgages. Less financially battered by the recession, they may indeed be more secure financially, thus less worried.

Span also notes there might have been confusion with the way questions were worded on the survey tool. Read her full post: http://nyti.ms/PINvoe

3. MOST FAVORITED: (Did you know that people can “favorite” a tweet? It’s the Twitter version of a “like.”) Our active adult communities client Traditions of America was featured in a Pittsburgh Post-Gazette piece — “For Retirees, Pittsburgh Has A Lot to Love.”

Read the article: ow.ly/da9OV

Also of note:

* Australian baby boomers are haunted by debt, finds RaboDirect. “Baby boomers are feeling the pinch and are the most pessimistic of all the generations about the economic outlook of the nation,” said spokeswoman Renee Amor. One-third will have a mortgage when they retire. Half report having less money to live on each week.

Herald-Sun article: http://bit.ly/SI508N

Link to full report from RaboDirect Australia: http://bit.ly/RnUi7q

* The annual Beloit Mindset list is out! This intriguing list looks at what this year’s incoming freshman think or have experienced.

For example, the class of 2016 has never known Romper Room, printed encyclopedias or a man as the head of the US State Department. They also have been wired throughout their Incoming freshmen - the class of 2016 - has grown up with MP3 players. One quarter suffer hearing loss.lives. As Beloit College puts it:

“This year’s entering college class of 2016 was born into cyberspace and they have therefore measured their output in the fundamental particles of life: bits, bytes, and bauds …  In these students’ lifetimes, with MP3 players and iPods, they seldom listen to the car radio. A quarter of the entering students already have suffered some hearing loss.”

Get the Mindset List: http://bit.ly/NRgjfs

We’d love to hear your thoughts on the differences between our favorite 50+ consumers and today’s freshmen. Does the list make you feel youth, too, has too short a date?

Mature Marketing Links of the Week – 8/6/12

Monday, August 6th, 2012

With all eyes on London these days, we feel inspired. What 50+ marketing resources emerged victorious on the playing fields of social media last week? Cue the music …

1. GOLD MEDAL: Senior Housing News reports that Boomers “aren’t delaying retirement—they’re redefining it, staying local.” The industry publication shared results of a PulteGroup Home Index survey of 500 pre-retirees aged 55 and older. The key findings:

* 61% plan to retire within the next 10 years, while only 17% said they don’t intend on ever retiring

* 42% said they expect they’ll retire at an older age than originally anticipated, nearly half (46%) believe they’re financially prepared to retire in the same time period they had originally planned on

* 62%  said they planned to stay close to their current home once they retired

The news became Creating Results’ “most shared” item last week. Read the full article: http://bit.ly/NjAjSp

2. SILVER MEDAL: Do you want to make money? Get age friendly, because Age Friendly =Good Business, says Kim Walker, a leader in mature marketing in Asia Pacific. Kim delivered this excellent speech at a TED conference in Victoria Harbour (Hong Kong) last year.

Tip of the Olympic beret to Dick Stroud who first shared the video on his blog.

3. BRONZE MEDAL: Appropriately, two sports themed links share the third place spot on the podium. A little inspiration for your Monday morning?

* A competitive synchronized swim team with members age 60 to 100! http://ow.ly/cGtHl | I really LOVE their reasons for swimming.

*  Meet the oldest Olympian to compete in 92 years – 71-year-old Japanese equestrian team member Hiroshi Hoketsu. http://huff.to/RNNkW1

 

What would a Games be without a little controversy?

Last week New York Times columnist Bill Keller took aim at his peers and called baby boomers “The Entitled Generation” in an op-ed that definitely caught the attention of the judges. “The notion that our generation has been spoiled rotten is not a terribly new thought,” wrote Keller. “But even though the caricature is way too easy, it has stuck, and we all know that it contains more than a nugget of truth. We are an entitled bunch.” Keller proposed that “greedy” Boomers should not join the Medicare and Social Security rolls but rather fight to reform those systems.

There were quick responses from a wide range of people, including

* economists – Jared Bernstein wrote “The issue of sustainably of Social Security and Medicare – I fear that the word “entitlement” feeds into the frenzy — actually has little to do with greed and is largely a function of our uniquely inefficient system of health care delivery, as that’s from where our real long-term fiscal problems derive.”

* journalists - Charles S. Pierce took aim at Keller’s premise that he had anything in common with most of his generation, writing that while Keller’s healthcare coverage was secure, “One catastrophic illness, and many of our families die on the vine. This is not  hyperbole. This is how it works in the world.” (Warning! Angry post. Pierce will not win an sportsmanship award at this year’s Games.)

* and marketers – Brent Green wrote about Keller’s lack of balance in going for snip and snark – “If the fiscal mess now besetting the nation is to be resolved, then it must begin with sober reflection and sacrifices among all living generations, because, as Keller accurately implies: none are perfect; all have fallen short of creating a fiscally stable platform for future, unborn generations.”

What do you think? Do any of these arguments make points with you? Will this blog ever earn the respect of the East German judge? Share your thoughts below.

Mature Marketing Links of the Week – 5/29/12

Tuesday, May 29th, 2012

“Let no vandalism of avarice or neglect, no ravages of time, testify to the present or to the coming generations that we have forgotten, as a people, the cost of a free and undivided republic.” – John A. Logan, Commander-in-Chief

Each year on Memorial Day, my little town of Warren, RI assembles to honor those who made the ultimate sacrifice. The quote above is from one of my favorite readings, General Order No. 11, which designated May 30 of 1868 to remember the Union soldiers who died in the Civil War.

Because the Creating Results team took yesterday to remember and reflect, our typical Monday wrap-up of top 50+ marketing links appears on Tuesday this week. Let’s review!

1. MOST CLICKED: Beth Rand’s primer on Pinterest – and especially the image at right – caught the attention of our Twitter, Google+, LinkedIn and Facebook followers before the long weekend.

Read the post: http://bit.ly/KDAA3i

2. What happened to traditional PR? This post from Greg Miller of MarketcomPR claims it’s dead – and that got marketing pros clicking.

Read the post: http://bit.ly/KZnX50

3. MOST SHARED/MOST COMMENTED: Are Baby Boomers and seniors interested in Pinterest? Amanda Combs shared statistics on usage of Pinterest by age group and thoughts on why it appeals (or doesn’t) to older adults online.

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

Also of note:

4. Americans are tapping into retirement nest eggs as medical costs rise. Read the Wall Street Journal article: http://on.wsj.com/JS0WLu

5. Elderblogger Ronni Bennett considers Prudential’s “Day One Retirement Story” campaign and shares that she didn’t know her Day One of retirement was indeed Day One. She was laid off, forced into retirement before her time. Ronni appreciates Prudential’s approach which features the stories of real retirees starting out on their next phase.

“At the Day One website is a growing collection of audio, video and still photos with quotations from recent retirees who have been interviewed for the project. As you would guess, health, family and grandchildren are common topics of the retirement stories but the three folks who made these observations put a big smile on my face:

‘Happiness is an inside job.’
‘I am even considering joining the Peace Corps.’
‘I’m going to start building another boat.’”

Read Ronni’s piece on Time Goes By: http://bit.ly/KpnHuM

Appropriately for this week this campaign includes people like Linda Gutherie who are remembering what’s past and reflecting on what’s to come.

Prudential has produced long-form videos on their website and a series of :30 and :60 commercials. I particularly liked the opening to Linda’s reflection: “Well I think that happy is a momentary thing. Happiness comes and goes. I think contentment is there all the time, even underneath when you’re having a problem … To be content you have to want what you’ve got.”

What do you think of the campaign? Does it make you happy or content? Share your thoughts, below.

Mature Marketing Links of the Week – 5/14/12

Monday, May 14th, 2012

We hope everyone had a wonderful weekend honoring the mothers in their lives. (Or being honored; that’s nice, too!)

Two quick stats on moms:

My mother, Patricia Read, was an "older mom"-trendsetter. She had me at 38. Today she supports an adult child & several grandchildren financially.

1) Mothers today are older and better educated, compared with mothers a decade ago. Roughly 7,500 women gave birth at age 45 or over in 2008 and an increasing number of those women who have their first child after 35 don’t stop with just one.

2) MetLife found that nearly 80% of women of all generations have the desire to be able to give more financially to children or grandchildren. More than half of boomer moms are supporting adult kids financially today.

Marketing take-away: Check your assumptions about 50+ women being “empty nesters” with newly liberated wallets at the door. Be sure you really listen to your prospect and understand their personal situation.

 

Now, on to our weekly round-up of top baby boomer and seniors marketing links, resources and articles.

1. MOST SHARED: Our post on “Re-Thinking Retirement – 6 Lessons for Marketers” was re-tweeted and shared widely last week. Those lessons aren’t unique to retirement communities. We’d love your thoughts on how your organization is responding to the re-invention of that lifestage called retirement.

Read the post/add your comments: http://bit.ly/IR6PtO

Related post with a senior consumer perspective, courtesy of North Hill retirement communities: http://blog.northhill.org/?p=1480

2. MOST CLICKED: Baby boomers appear to be sacrificing their own retirements for the sake of their (adult) children. As the Wall Street Journal reports,

Ameriprise Financial in 2007 surveyed three generations—boomers, their children and their parents—and learned that less than half of boomers (44%) were trying to save for retirement while also providing support for their children and parents.

Fast forward to December 2011: The portion of boomers saving for their own retirement has fallen to one in four (24%)—but they’re still helping out their families. More than half (58%) are assisting their aging parents, including helping them pay for groceries (22%), medical expenses (15%) or utility bills (14%).

“It’s disturbing that people are still providing the same, intense level of support, up or down, and they’re five years closer to retirement,” says Suzanna de Baca, Ameriprise’s vice president of wealth strategies. “This is not registering with boomers.”

Read the full article: http://on.wsj.com/J4l8Pm

Chart from OptiRate based on Harris Interactive survey data:

Also re-tweeted repeatedly, two quotes that seem to have struck a chord with followers and blog readers:

- “A tweet is like toothpaste – once it’s out, you can’t put it back in the tube.” ~ www.scrambls.com via the Social Media Insider (Twitter “handle” @socialmedia411 and worthy of a follow)

- “Plan your life like you’ll live to 100. Live your life like you’ll die tomorrow.” Jim Firman of the National Council on Aging

 

Mature Marketing Links of the Week – 4/30/12

Monday, April 30th, 2012

What articles or resources connected with mature marketing professionals this past week? Read on for a run-down of the “hottest” links, based on the engagement of Twitter, Facebook, LinkedIn and Google Plus followers.

1. MOST CLICKED: NPR’s “Family Matters: The Money Squeeze,” which examines the joys and challenges of caring for aging parents. Stats/new research plus interviews sharing the first-hand experiences of those in multigenerational households and other caregivers are making this a very powerful series. NPR defines the scope of the challenge:

“… providing long-term care is, in fact, common. Nearly 10 million adult children are caring for aging parents, according to the MetLife Mature Market Institute. Other adult children are contributing to the cost of a parent’s assisted-living care, which MetLife says averages about $3,500 a month.

‘The percentage of adult children providing personal care and/or financial assistance to a parent has more than tripled over the past 15 years,’ the research group found.”

Listen to the reports: http://n.pr/IgLPuV

2. MOST SHARED: What’s the real story? Are older workers retiring later or speeding off the exit ramps now? Kerry Hannon looks at labor stats and implications for baby boomer brain drain in Forbes.

Read the story: http://onforb.es/JMooiv

3. Under new US Census measurements of poverty, 1 in 6 American elders lives under the poverty line. Elderblogger Ronni Bennett shares her perspective on the numbers, and her readers share their own personal stories in the comments section. http://bit.ly/IPg26A

4. To our clients, we stress the need for a steady stream of relevant, motivating content. But if you hear “content” and think only “words” you might find yourself losing your audience. This post in Mashable talks about the shift to visual storytelling on the web, a world in which great design and photography are critical. http://on.mash.to/InHagH

We offer a note of caution about the writer’s love of special effects, however. When it comes to 50+ Internet users, they care less about gee whiz gadgetry and can be very frustrated by elements that scroll, skip, fade, and move around without warning. Baby boomers and seniors still see the web as more tool than entertainment. So if you add a special effect, it better add to the user’s understanding of your product/service.

 

Resource Reminder: Creating Results’ national study into what photography succeeds or fails with baby boomers and beyond can be a helpful guide as you move to more visual storytelling content. Download the free eBook at www.CreatingResults.com/PhotoFinish.

Mature Marketing Links of the Week – 3/19/2012

Monday, March 19th, 2012

Last week we celebrated Pi Day, the ides of March (et tu, baby boomer marketer?) and St. Paddy’s Day (sorry Kermit, but once a year it IS easy being green). We also shared a wide variety of resources to help you get better results while marketing to the 50+ consumer. Here are the links that received the most clicks, retweets, discussion or attention last week.

1. MOST SHARED: Consumers feel that 1 or 2 Facebook messages a day from a brand or organization are too many. A TolunaQuick survey found that respondents “felt overwhelmed by brand messages on social media,” reported PR Daily.  ”Other findings from the study that brands will want to consider:

  • 40 percent of respondents felt that brand promotions are too complex to enter;
  • 20 percent felt incentives are not worth the effort;
  • 75 percent said that one or two Facebook messages per day is too much to receive from a brand;
  • Nearly 40 percent don’t want to share brand interactions with friends
  • 20 percent proactively post messages to brand pages.”

The findings didn’t surprise our team one bit. As I tweeted, when Creating Results conducted its Social, Silver Surfers research, we heard this message from baby boomers and seniors using social networks. Only 15% said yes, yes they wanted to engage with a brand via social platforms. The majority told us loud and clear that they felt overmarketed to already and that social media was a personal, not commercial space. (Download the eBook at www.CreatingResults.com/SocialSilverSurfers.)

2. MOST CLICKED: Did you know 52% of #babyboomer women rely on ad insertions, print/online coupons? Good opp for QR code ow.ly/9wR7C

Also notable and useful … Two for those marketing real estate / 50+ housing / retirement communities:

3. Cross-country relocation is just not the norm for baby boomers. Reuters reports that Americans are retiring closer to home than they did in the past.

“The increasing popularity of the short-distance move may be a result of the many advantages the strategy offers. Retirees who stay an hour or two from where they worked and raised their children can cut their costs while staying near their friends, cultural events, major airports and medical facilities. Moving outside the metro area means they don’t have to compete on housing prices with people who need to be closer to the city for their jobs.”

We’d add that 50+ers can also stay close to their jobs to work full- or part-time while easing into “retirement.” Read the full article at  ow.ly/9z0oE

4. Looking for data on the impact of seniors on the housing market? Check out this deck from the National Multi Housing Council, “Resetting the Demand for Multi Family Housing: Demographic and Economic Drivers to 2020.” The report includes data on the change in US households by age group, the rise in multigenerational households and renters who double up, and more.

Download the full PDF report at  ow.ly/9BdGu

And one for everybody:

5. A terrific piece in the Wall Street Journal on how we all can – and should – be creative. ow.ly/9CLjz

 

I hope you’ll be creative in sharing your comments and thoughts, below.


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