Answer: All of the above.
Bald jokes and unwanted comments about "bad hair days" are a reality for many in their 40s and 50s.
GRAYING At this time of life, hair begins to lose color and turn gray due to reduced numbers of melanocytes, the cells that govern skin and hair pigment.
BALDING Hair loss is determined by genetics--the baldness gene can be inherited by both men and women. To promote modest hair re-growth, try Rogaine, or topical minoxidil (a shampoo). Propecia, another option, contains a low dose of the prostate drug finasteride. Before using these drugs, ask your doctor about side effects. Note: midlife individuals with oily scalps may develop clogged hair follicles, which can lead to hair loss. Shampooing with powerful, nature-based formulae containing tea tree oil may help cleanse the scalp and improve hair growth.
THINNING HAIR The number of scalp hair follicles decreases as we age, and the rate of hair growth in still active follicles slows down. The quality of your diet, lifestyle, and shampoo regimen strongly influences hair's health. Certain vitamin and mineral deficiencies can cause thinning hair, which may be corrected by a balanced diet including fresh fruits, vegetables, and whole grains. You can also try "hair building" vitamin or herbal supplements from companies like Rene Furterer. Note: long-term use of corticosteroid drugs (such as prednisone) is known to contribute to thinning hair.
UNWANTED HAIR Hormonal fluctuations in midlife women often lead to sprouting hairs on the face. Men may find unwanted hairs, particularly in the ears, nose, and eyebrows--due to changes in hormone levels.