ReportWire

Tag: older

  • What is ‘Gray Divorce’?

    The divorce announcement by Bill and Melinda Gates took many people by surprise. From the outside, it seemed that the couple’s lives were very intertwined. Why do this now after 27 years of marriage?

    Despite the fact that overall divorce rates in the U.S. dropped since the 1980s, the rate of divorce among people over 50 climbed to historic levels. Over the past two decades, the rate doubled. Now, one in four divorces is a “gray divorce.”

    Marriage in an Empty Nest

    There’s been a generational shift in the way that people in their 50s and 60s think about their relationships. With the stigma of divorce lessening over time, couples no longer feel bound to stick it out in a bad marriage. With longer life expectancy, there’s a sense that there’s a whole lot of living to be done and time goes by quickly.

    Couples often accomplished career or parenting goals by now. Long-standing disconnection in the marriage can be just one of many catalysts for partners to leave.  

    Couples whose kids have left for college will sometimes feel adrift. Routines, roles, and rituals that organized their lives for years come to an abrupt halt. “We don’t even know each other anymore,” my client Nate* told me, as he and Lily*, his wife of 23 years, talked in a session about trying to reconnect with each other. They were “Mom and Dad” for the last 20 years. Parenting their two kids had been their only common focus. That empty nest has lots of possibilities, but it can be a lonely place for many couples.

    A New Chance at Independence

    Another factor driving the increase in later-in-life divorcing is the increased financial independence of women. According to the AARP, two-thirds of these divorces in heterosexual marriages are initiated by women. No longer tied to a spouse for financial security, women are looking at their next 20 or 30 years and weighing a stale marriage against what could be an exciting new chapter.

    “I stopped trying to get Luis* to take vacations 15 years ago. There was just no point. He would just argue with me,” my client Chloe* told me. “Now that I’m retired,  I want to pursue my dream of traveling. We are now so far apart that I don’t even want him to join me.”  Chloe and Luis are an example of a couple type that was observed in Dr. Gottman’s research—the later-stage divorcing relationship—one in which there isn’t a lot of conflict, but there’s little positivity between the partners.

    Three Tips for Staying Together

    If you are in a long-term relationship, here are some research-based suggestions for how to create and maintain a vibrant relationship that thrives over the years:

    • Maintain a good friendship with your partner over time. Make sure you’re spending some time together having fun. This goes double for parents. You need time together without the kids. This keeps your relationship on the front burner so that it doesn’t become a casualty of parenting. It also keeps you in touch with how you and your partner are changing over time.
    • Address differences in a timely way to avoid building up resentment. Research shows that conflict is normal and to be expected in any relationship. The quality that separates happy from unhappy relationships is the ability to repair quickly.
    • Focus on how you’d like the relationship to be in the future. Share dreams and hopes for what you each want to accomplish, separately and together. Creating a sense of shared meaning that evolves over time and throughout the life cycle is another hallmark of a thriving relationship. 

    Final Thought

    For many couples, the choice to divorce after years of being together is absolutely the right choice to make. No longer bound by obligation, expectation, or finances, unhappy partners can find a new lease on life being apart. For couples re-evaluating their long-term relationship and who want to stay together but see the need for minor tune-ups or major overhauls, keep in mind that your relationship is constantly evolving just as you are. As partners, you can intentionally create and change that relationship in small ways every day.

     

    Sinead Smyth

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  • Taking measure of playoff teams with the most work to do this offseason

    (Photo credit: Orlando Ramirez-Imagn Images)

    The baseball offseason waits for no one.

    Opt-outs, managerial hirings and free agent filings are the talk of the day a mere five nights after one of the greatest Game 7s of all-time.

    Here’s our look at the tasks ahead of the 12 teams who made the playoffs this season, leading off with the teams with the most to do through the run-it-back-mode Tigers:

    San Diego Padres: They finally hired a manager in Craig Stammen (really), but the Padres still have an unsettled ownership situation and pitchers Dylan Cease, Michael King and Robert Suarez all headed for free agency. Oh and Yu Darvish just underwent elbow surgery and will miss next season. Everything is in play, from A.J. Preller pulling a bunch of rabbits out of his hat again to beginning a teardown.

    Philadelphia Phillies: The Phillies haven’t won a postseason round since 2023 and 30-somethings Kyle Schwarber and J.T. Realmuto are both free agents. But Philadelphia unearthed an ace this season in Cristopher Sanchez and the go-for-it Dave Dombrowski is more likely to sign Schwarber, Realmuto and a high-end No. 2 pitcher (Cease or King?) and worry about the future in the future.

    Toronto Blue Jays: The Jays suffered the most agonizing near-miss in World Series history thanks largely to an older rotation (135 starts were made by pitchers 30 years or older) as well as a resurgent year by 36-year-old George Springer and a surprise breakout by Ernie Clement. A full year of Trey Yesavage will be a big boost, but they’ll still need to fortify the rotation and hope Clement can handle a full-time role if Bo Bichette exits.

    Cleveland Guardians: The Guardians again have great pitching and nobody to protect likely Hall of Famer Jose Ramirez. CJ Kayfus and Chase DeLauter look like keepers, but Cleveland needs to trade for a proven bat – someone such as Taylor Ward or Jeff McNeil – to deepen the lineup.

    Milwaukee Brewers: The team that manages to get better even after trading star pitchers is likely to try that again with Freddy Peralta entering his walk year…and barely miss a beat thanks to the 2026 versions of Isaac Collins, Caleb Durbin and Quinn Priester, all of whom emerged from anonymity to help Milwaukee win a team-record 97 games. So at this point, none of us should advise the Brewers.

    New York Yankees: Fundamentals continue to undo the Yankees, who wasted terrific performances by Aaron Judge, Cody Bellinger, Max Fried, Carlos Rodon and budding ace Cam Schlittler. They could do a lot worse than poaching Bichette to begin overturning the middle of their infield. Retaining Bellinger, a born for New York star who thrives around the diamond, is a must.

    Cincinnati Reds: With a flame-throwing rotation overseen by a Hall of Fame-bound manager, the Reds are two-thirds of the way to serious contention. Alas, they don’t spend much money and Elly De La Cruz was the only position player to register a WAR better than 3.0. They’ll have to be creative, but former All-Stars such as McNeil and Adolis Garcia could be available via trade.

    Chicago Cubs: This would be a great time for the Cubs to act like a big-market team again. But they already parted ways with Shota Imanaga and have never seemed likely to sign Kyle Tucker long-term. That said, the everyday lineup sans Tucker remains impressive and there might be a bargain to be found for the rotation in Zac Gallen or Merrill Kelly.

    Detroit Tigers: The Tigers might as well go for it in what may be their last year with Tarik Skubal. Amongst a bevy of young position players, only Riley Greene and Kerry Carpenter look like potential difference-makers. Free agent hitters hate Detroit and the Tigers don’t play in that end of the water. So why not see if the Arizona Diamondbacks believe it’s time to divorce Ketel Marte?

    –By Jerry BeachBoston Red Sox: Craig Breslow unloaded Rafael Devers and locked up a spate of homegrown position players, so the Red Sox are positioned to contend until John Henry starts pinching pennies again. Dealing from their depth of young big leaguers and prospects for a starting pitcher (Peralta or Sandy Alcantara?) to slot in behind Garrett Crochet might lift Boston to the top of the AL East.Seattle Mariners: The Mariners are in a weird spot in that they didn’t win it all, yet they don’t feel one or two players away because of their terrific pitching and a lineup filled with in-their-prime stars. Re-signing trade deadline star Josh Naylor and running it back should be enough to win a division in transition.Los Angeles Dodgers: The Dodgers got fewer than 2.0 regular season WAR for spending more than $250 million last off-season on Blake Snell, Michael Conforto, Hyeseong Kim, Roki Sasaki, Tanner Scott and Kirby Yates…and won the World Series again anyway. So they should just sign everyone while they still can in this last winter before the lockout. (But especially Tucker, who could add some relative youth to an older lineup)

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  • Austin Pets Alive! | Common Misconceptions About Adopting an Older Dog

    Austin Pets Alive! | Common Misconceptions About Adopting an Older Dog

    Nov 17, 2023

    While age is just a number, senior dogs are often overlooked for adoption due to misconceptions about what having an older dog means. November is Senior Pet Month and we’re working to shine the golden spot light on these amazing animals by breaking down some common senior pet misconceptions! Seniors like Abby want you to know that entering their golden years means these pups at heart deserve more than ever to spend their days in a loving home. In return, they promise to shower their human companions with affection and live each day to its fullest potential.

    Misconception #1: Old Dogs Are No Longer Energetic

    One of the most prevalent misconceptions about older dogs is that they become lethargic and lose their energy as they age. While it’s true that older dogs may not have the same boundless energy as puppies, they can still be quite active and enjoy physical activities. In fact, regular exercise is essential for maintaining their physical and mental health. Adjusting the type and intensity of exercise to match their age and health status is crucial. Consult with your veterinarian to develop a suitable exercise routine for your senior dog.

    Misconception #2: You Can’t Teach Old Dogs New Tricks

    The old adage “you can’t teach an old dog new tricks” couldn’t be further from the truth. Older dogs are just as capable of learning new things as their younger counterparts. While it may take a bit more time and patience, training an older dog can be a rewarding experience. In fact, older dogs often come with the advantage of being calmer and having better attention spans, making them more receptive to training.

    Misconception #3: Older Dogs Are Not Suitable for Adoption

    Many people believe that older dogs are not ideal candidates for adoption and that puppies or younger dogs are better options. However, older dogs can make fantastic pets. They often come already house-trained and have established personalities, making it easier to find a dog whose temperament matches your lifestyle. Adopting an older dog can also be incredibly rewarding, as you provide a loving home for a dog in its golden years.

    Misconception #4: Older Dogs Don’t Need Social Interaction

    Older dogs, just like their younger counterparts, benefit from social interaction and mental stimulation. Isolation can lead to anxiety and depression in older dogs, so it’s important to provide opportunities for socialization and playtime. Consider arranging playdates with other dogs, taking leisurely walks in the park, or engaging in interactive games to keep your senior dog’s mind and body active.

    Older dogs are often misunderstood and over-looked at shelters due to misconceptions about their behavior and needs. It’s important to recognize that older dogs can lead happy, fulfilling lives with the right care and attention. By dispelling these misconceptions, we hope more potential adopters will consider making a senior dog part of their family. APA! has successfully placed many wonderful seniors in foster or adoptive homes where they continue to thrive and bring joy to their new family.

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  • America may now be in a youth-cession: Consumers over age 60 are propping up the economy

    America may now be in a youth-cession: Consumers over age 60 are propping up the economy

    Is America going into a recession or not? That depends on who you ask—and how old they are.

    Consumer households from their 20s to their 50s are now spending sharply less on their credit and debit cards than they were a year ago reports Bank of America, after crunching the numbers on its customers.

    At this point it’s mostly those over 60, and…

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  • Austin Pets Alive! | Senior Dogs at Austin Pets Alive! Fetch Life…

    Austin Pets Alive! | Senior Dogs at Austin Pets Alive! Fetch Life…

    Aug 20, 2021

    AUSTIN, TX — Tails are wagging at Austin Pets Alive! this summer, as the Central Texas shelter was announced as a winning recipient of one of The Grey Muzzle Organization’s annual grants for the fifth consecutive year.

    APA! is one of 77 animal welfare groups chosen from 266 applicants to receive a grant to help local senior dogs. The winning groups received more than $616,000 in grants to help save or improve the lives of at-risk old dogs in their communities.

    11-year old Tiana is one of several sweet seniors at APA! who will benefit from this grant. She earned the nickname “Queen of Chairs” from her habit of wanting to try out any chair or comfy piece of furniture she encounters. Tiana came to APA! in January 2020 as an owner surrender, and has been regularly training with the shelter’s Dog Behavior team to set her up for success in a home. This grant from the Grey Muzzle Organization gives dogs like Tiana the support they need to reach for a brighter future.

    Tiana

    Senior dogs often face an uphill battle finding adopters willing to take on an older pet. Many senior dogs also arrive at shelters with extensive medical needs, such as dental complications and heartworm disease, that most traditional shelters lack the resources to treat. Fortunately, APA!’s specialized programs are able to provide a crucial safety net for older dogs, covering the necessary medical care to improve their quality of life as they wait to find loving homes.

    “Senior dogs are the best for so many reasons!” said APA!’s Dog Adoption Manager, Allison Swearingen. “It’s always sad to see them end up in a shelter setting in what should be their golden, easy years; but luckily tons of people are catching on about these well-mannered pups! They already have years of training under their belts and are just looking for a comfy home to spend the rest of their lives in while giving all their love to whomever is lucky enough to rescue them!”

    Over the past 13 years, the national nonprofit Grey Muzzle Organization has provided more than $3.1 million in grants to support its vision of “a world where no old dog dies alone and afraid.”

    “Thanks to the generosity of our donors, we’re delighted to help deserving organizations like Austin Pets Alive! make a difference in the lives of dogs and people in their communities,” Grey Muzzle’s Executive Director Lisa Lunghofer said. “Many senior dogs in the Austin Area are enjoying their golden years in loving homes thanks to the wonderful work of APA!.”

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  • Student Loan Repayment Isn’t Only a Problem for the Young, Says Ameritech Financial

    Student Loan Repayment Isn’t Only a Problem for the Young, Says Ameritech Financial

    Press Release



    updated: Nov 25, 2018

    People say stuff like “it’s only downhill from here”, trying to say that it gets easier. In theory, as people have had more time to climb their professional ladder, save up some money, and get comfortable in their home, it should be easier later on in life. But for older student loan borrowers that is not necessarily the case. Ameritech Financial (ATF), a document preparation service company, says that student loan repayment can have hurdles that are hard to pass at any age.

    Many people hear that it will take them about ten years to repay their student loans when they first take them out, as that’s supposed to be the estimated amount of time. But for many borrowers that’s not the case. Every missed payment pushes out the end of the repayment period, and a minimum payment likely won’t cover much of the principal, if it touches any at all. Which then leads to borrowers owing for decades longer than they would have anticipated when they first took out that loan. It doesn’t paint a very happy picture of the future that way.

    Regardless of who the loan was taken out for, paying off student loans later in life interferes with a lot of things. Saving for retirement, potentially forcing someone to live in a less comfortable situation when they’ve worked so hard to afford some time to rest, and many other reasons make repaying student loans later in life trickier. Not that repayment is an easy situation in general.

    Tom Knickerbocker, Executive Vice President of Ameritech Financial

    Other times it’s not even their college experience that older people may be paying for, but those of their children or grandchildren. With ParentPLUS loans, a parent or guardian can take our loans in their name to pay for a dependent’s education. It may be much easier on the college attendee, but then comes the trouble of repayment for the ones who took it out. This is especially true if they took out multiple loans to put multiple people through college.

    “Regardless of who the loan was taken out for, paying off student loans later in life interferes with a lot of things. Saving for retirement, potentially forcing someone to live in a less comfortable situation when they’ve worked so hard to afford some time to rest, and many other reasons make repaying student loans later in life trickier. Not that repayment is an easy situation in general,” said Tom Knickerbocker, Executive Vice President of Ameritech Financial.

    Struggling with student loan repayment isn’t exclusive to any age group. ATF helps qualified student loan borrowers apply for federal income-driven repayment programs that can potentially lower their monthly payments and get them on track for student loan forgiveness after 20-25 years of being in the program. “We believe student loan repayment shouldn’t have to be a struggle. That’s why we’re so committed to helping our clients and being a student loan advocate,” said Knickerbocker.

    About Ameritech Financial

    Ameritech Financial is a private company located in Rohnert Park, California. Ameritech Financial has already helped thousands of consumers with financial analysis and student loan document preparation to apply for federal student loan repayment programs offered through the Department of Education.

    Each Ameritech Financial telephone representative has received the Certified Student Loan Professional certification through the International Association of Professional Debt Arbitrators (IAPDA).

    Ameritech Financial prides itself on its exceptional Customer Service.

    Ameritech Financial Newsroom

    Contact

    To learn more about Ameritech Financial, please contact:

    Ameritech Financial

    5789 State Farm Drive #265

    Rohnert Park, CA 94928

    1-800-792-8621

    media@ameritechfinancial.com

    Source: Ameritech Financial

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