The baby boom generation-born between 1946 and 1964-is bearing down on America's retirement programs like a pre-climate change glacier. More than 78 million strong, the baby boom seems destined to crush every social program in its path. It cannot be stopped. Only a mixture of government and private solutions, such as private long term care insurance, can avert the coming disaster.

But if you really need proof that the world has an energy problem, just take a look at all the wars that have essentially been fought over this very problem. Oh, make no mistake about it. All that hubbub in the Middle East is about one thing and one thing onlyoil. And the US knows that it's days are numbered as far as relying on other sources for oil. As a result, we're in bit of a panic mode right now.

Desire to enjoy work - doing something all day that you don't enjoy can be soul-destroying. Csikszentmihalyi talks about autotelic people being able to make their own fun in a dull situation but having to do it every day would become hard.

Why am I talking about this in a venue that describes "How To Engage The Business Community?" Because that's a great place to start seeing how your skills are applicable to other areas. On your list of skills that you are the best at, or want to be the best at, talk with your business community to see if they can suggest how useful they can be in other business areas. If you have the working relationship with them, setting up a lunch with them will be easy. It won't matter if you still work for the company, they will be happy to help you.

With the boomers working and paying taxes, the Social Security trust funds are running a surplus. That will continue until 2016. At that point, with half the boomers collecting Social Security, the taxes flowing into the trust funds will not be as great as the expenditures flowing out. At first, nothing will climate change solutions. Social Security will use the interest earned during the surplus years to pay benefits. By 2041, however, the excess funds will be depleted. Incoming payroll taxes will cover only 75 percent of the costs.

The cost of the care will be enormous. AAHSA reports climate change solutions that a private room in a nursing home costs an average of $74,600 a year. The average stay is 2.4 years. If everything stays the same (and costs are likely to rise, even in today's dollars), the cost of the boomers' long term care will total $8.88 trillion over 19 years, or $467 billion a year.

It is vitally important to remember to do your due diligence and check out each property you are purchasing the Tax Lien Certificate on. If taxes are not paid, you may end up with the property and you want to make certain it is property without issues. Additional liens, law suits or environmental issues must be checked out thoroughly to insure your investment is safe.