Post-Retirement Money Pinching for Baby Boomers: What to Do to Survive

Sometimes life has a way of kicking you when you are down. It is almost expected by the time you retire, but maybe you feel like you have things worked out and you are prepared for the worst.

Unfortunately, odds are that you’re going to feel pinched at least once.

Whether it’s because of a health scare of an unforeseen accident or a new roof needed on your house, you’re going to need money. And while selling your blood to the local blood bank might sound like a feasible idea, it’s not going to get your head above water.

So what do you do?

A Reverse Mortgage

One of the most common ways to gather fast funds could be to take out a reverse mortgage. While this may not sound like an optimal solution, in the event of something almost catastrophic, it could be your only source of quick bucks.

Basically, with a reverse mortgage, you take money against your home. If you own the home, you basically take a lump sum or payments from a financial institution in exchange for a sort of lien.

There are multiple benefits to that, of course.

• You will receive funds quickly and usually in enough quantity to take care of any sudden expenses that could arise without warning.

• You get to stay in your home and enjoy it. It’s not selling your home, but taking a form of payment against it.

• The mortgage companies that specialize in this are easy to find. You really only have to watch television for a limited amount of time before some celebrity is seen parading their sponsor’s product, complete with spiffy toll free number, before your eyes.

However, there are some drawbacks. Not only are they drawbacks, but they are quite major in terms of potential impact.

• It is a loan and it will need to be paid back. There have been horror stories concerning people’s homes being lost to the companies upon their deaths, leaving their heirs with nothing. This could be a drawback if the home is a family home, one with generations of history and memories.

• Like any loan, there’s going to be an interest rate. No one has ever mistaken a loan shark for a dolphin, coincidentally. You have to know upfront that this isn’t free money and that it has to be repaid one way or the other. If you take this loan, or mortgage, know that you will need to budget for payment or a lump sum payout if you want to avoid any potentially greater negative outcome.

If you can deal with a mortgage and feel that your financial predicament is short-term, this sort of reverse type plan could be more than beneficial for you. In fact, it could save your shirt. But if you see a long-term issue, be aware that you are putting your home on the line.

Selling Your Vacation Home

Many people once they have hit retirement age have managed to accumulate assets. Some of them could be large, such as a vacation or rental property. If faced with an unexpected financial obstacle, unloading something could help alleviate the stress.

There are multiple bonuses to doing something like this; several of them could long lasting and more significant than previously thought.

• Selling a vacation home would give you surplus of funds. It would allow you to pad your bank account for a good while or at least offset a sudden, painful financial issue.

• You would no longer be responsible for the upkeep on the property. Saving on homeowner’s associations fees, if applicable, as well as utilities and taxes can help even more. Even a few thousand dollars left over at the end of the year could help you in all aspects of your life, be it paying for insurance or medications that you might need.

• You will also remove some worry you have by having additional property. You won’t have to worry about maintaining it, you can drop the home insurance, and stop worrying about security for an unoccupied dwelling. On top of that, many prime vacation spots lie on the beaches or in areas of bad weather. No longer will you have to watch the hurricane reports and worry that, somehow, your roof is going to end up floating through the center of downtown.

Like all things, however, there are drawbacks.

• If your second home is used for rental income, you have to consider that you will no longer have that additional income per month. If your budget is reliant on the influx of cash at regular intervals, you have to make certain that you can go without the stipend or else your financial windfall will be for naught.

• You are losing a major asset. If you sell your second property, you will be relieved of the stressful side of it, but you will also lose the good things. No longer will you have that snazzy condo next to the beach to fall back on. Your children won’t inherit it, and it can’t be used as collateral later in the event of something else.

Giving up a second piece of property isn’t a decision to be taken lightly. You might find yourself regretting giving up that oasis, especially if you happen to thoroughly enjoy the use of it. You have to consider that, if you do sell it, will the financial results warrant giving up the joy and flexibility that the ownership allowed.

Unload Your Unused Assets

Odds are, you have accumulated more than real estate. Many people hold onto cars well past their prime and that’s a good thing. Antiques are in! That boat of a sedan that you purchased new 25 years prior may actually be worth more now than before, something that could potentially shock and awe your spouse. Even baseball cards or collectibles could net you a quick few bucks. Luckily, at your age, you’ve most likely kept something at some point that you thought might be worth something one day. That day, my friend, has come.

Nostalgia is a growing market. Shows such as Pawn Stars and anything on the History Channel will show that people like to remember days long past. How many times have you passed a shiny 1957 Bel Air and thought of poodle skirts or hot rods? Even if you weren’t alive, or old enough to enjoy, the 50s and 60s, antiques resonate with the public. As a result, things have value. Like a drug or a drink, people want to feel good, to enjoy themselves. If you’re sitting on, or in, a classic car, you might as well cash it in if you aren’t using it. Your pockets could become extremely flush if you do, and that’s something that could help you get over that mid-life hump of a financial crunch.

However, before you sell that signed poster of the Rolling Stones, ask yourself if you can part with it? Really part with it? With obtaining property, collecting things, people collect memories. Selling a baseball card isn’t like selling a newspaper. If you sell a baseball card that your father gave you for your birthday, are you going to be okay with that later? Are you going to miss it? If so, odds are you can’t replace it. You might find another Mickey Mantle, but it won’t be that Mickey Mantle. Like all things, you have to decide if you can live without it. If you can’t, there are other options.

Taking Lump Sum Payments

There are businesses that exist only to give you money–with a catch, of course. If you have a settlement, or even a long lasting retirement account, odds are that some business will offer you cash upfront in exchange for your payments.

Before you go laughing all the way to the phone, then the bank, you need to stop and consider that for a moment. Sure, you’ll have the money in hand, but at what real cost?

• No one gives money away for free, and these companies are no exception. It may be your money, and you might need it now, but they aren’t going to give you all of it. Many companies will give you a fraction of the actual worth, almost preying on your need for assistance. They are not necessarily in the same category as loan sharks, but they are definitely going to get their share of the apple.

• You cannot just undo it. If your $500k annuity just turned into $300k or less, there’s no going back. If you take the payment, that’s what you have. It is gone with no further recourse, no payments, no anything. You have to stop and think about that for the future as well as the present.

• Again, these companies are in it to make money. With hired spokesmen and huge amounts of airtime, you know they have to take their pound of flesh and do so very liberally. Always read the fine print and go with a company only after researching it and making sure they are on the up and up. And remember, just because it’s on the internet doesn’t mean it’s necessarily true.

Like all ways of obtaining fast cash, you have to think it through. Don’t rush, take your time and really make a checklist about what you need, why you need it, and what you’re willing to give up in terms of long term financial freedom in order to acquire a quick fix for your predicament.

If You Just Need a Little Help

There are times when it is not so dire that you are willing to sell your estate to keep above water. There are times when you just need a little help with the bills or with the expenses you might have.

• Consider downsizing your home if you are not truly attached to the place where you live. Shaving off the additional square footage could not only save you in terms of property taxes and utilities, but downsizing could net you a profit that could help finance the remainder of your retirement.

• Snip any unnecessary expenses by strategizing. It’s becoming far more common for people to get their entertainment via the internet rather than cable or satellite. Sometimes those bills alone are 100 or more dollars per month. While it does not seem like much, it could help with a tightening budget.

• If you’re really desperate, don’t hesitate to apply for assistance. Programs were created to help, and if necessary food assistance, even utility assistance can help keep your head above water.

The main point is that, if there’s a will, there’s a way. If you don’t need it, or want it, you should sell it. If it’s too big, downsize and get something more manageable. You should be focused on enjoying your retirement more than anything else and financial woes should be the least of your worries. Strategize about what is truly necessary for you to be happy and work from there. As long as you pay attention to companies that prey on desperation and think three steps ahead, you should be fine.

BABYBOOMER/UV Gel/4 Varianten

Das ist ein Video für Anfänger die Probleme mit dem Babyboomer haben ,ich zeige euch 4 Möglichkeiten mit versch. Gelen den Babyboomer möglichst einfach zu modellieren ,step by step 😉
Ausserdem gebe ich mein Abschlussfazid zu den Gelen von .
Würde mich freuen wenn das Video dem ein oder anderen hilft 😉

What Are We Doing Now? Catching Up With the Baby Boomer Generation

I know it can be hard to believe sometimes, but many members of our generation-the Baby Boomer generation-are retiring or getting ready to retire.

Of course, the mainstream media won’t let us forget that we’re entering this period of our lives! Like everything else we’ve done, we Boomers are being watched to see just what we do with retirement. And really, it’s no wonder-God knows, our generation has made monumental changes in almost every other area of life in the U.S.!

Granted, not all Boomers are retiring or getting ready to retire. I doubt Secretary of State Hillary Clinton is ready for a rocking chair just yet, and I’d be shocked to learn that Sharon Stone has dropped out of the spotlight! In fact, more Boomers are staying more active as we enter these next phases of our lives than probably any generation before us.

It’s not just the Hillary Clintons or Sharon Stones, either. Boomer women are starting businesses, becoming coaches and consultants, and finding their old passions and turning those passions into second or third careers.

We’re taking advantage of medical advances, good nutrition, and alternative healthcare to make our later years healthier. We know we’re likely to live a good long time after we hit 65, and we’re getting ready to rock those years!

Our generation was the first to realize that youth could be powerful. Now, we’re going to bust the stereotypes about aging and show the world that age is powerful, too.

Think about it. We Boomer women have a comfort in our own skin in our 50s and beyond that few of us were able to enjoy in our 20s. We have the experience of raising healthy, contributing adults under our belt, we’ve pursued careers or stuck with jobs to support our families…

… and, of course, there were those little movements that we helped along in our teens and 20s. Like the Civil Rights movement and the struggle for women’s equality.

We Boomers have done an awful lot of living, and something tells me we’re not going to stop now just because of a date and year on a calendar.

So what are you planning on doing differently than our parents’ or grandparents’ generations did or are doing? Are you going to start another career, take up skydiving, or maybe jog around the world as a Welsh Boomer did a few years ago?

Or is it time to write that Great American Novel you’ve been making notes for all these years?

If you’re looking for examples, think of Sally Ride-the first woman in space is the founder and president of a company that provides scientific and other materials to schools. Or pick up any copy of More magazine and be stunned by the beautiful, power women that magazine profiles.

Or just look at your own life to date. You’ve done a lot already-how do you want to take your experiences and wisdom and use them to generate the kind of post-retirement life you deserve?

The Baby Boomer generation has been making huge changes to our society, literally, since we were born. We started taking some control over those changes when we hit our teens and 20s. Now, in our 50s and beyond, we have the chance to make huge, positive changes in the way people think about retirement. I, for one, am looking forward to seeing what we do!

Advantages Millennials Have Over Baby Boomers – Business 2 Community

Screen Shot 2015-12-28 at 11.37.29 AMThe stereotypes of the Millennial generation have been made clear over the last few years. Laziness, entitlement, and no respect for authority, right? Wrong! Although many believe Baby Boomers have this generation beat when it comes to value in the workplace, Millennials actually have many advantages over them. Here are just a few:

Breaking down the hierarchy.

Millennials don’t look at a corporate office and see the clear hierarchy of upper to lower management like Baby Boomers do. Although some may see this as Millennials lacking respect for authority, it’s actually quite the opposite. Millennials look up to their superiors, but at the same time, are not afraid to approach and engage them. Do they have a new idea on how to increase sales by hiring distributors? They won’t be shy to bring it right to the top of management. They desire an open and honest communication with their management so they can get a stream of valuable feedback and create lasting relationships.

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The obvious advantage that Millennials have over Baby Boomers is their technology skill. Millennials grew up using these tools and adapting as new technology was introduced, whereas Baby Boomers were forced to learn new skills to survive in the midst of their careers. Not only do Millennials have a better grasp of technology, but they use it to solve problems, increase efficiency and better the experience for the end user.

Better balance.

Millennials have long been criticized for their “lazy” behavior, or their understanding of the need for work life balance, a concept lost on previous generations. Although this may seem like a disadvantage to employers, after all, don’t you want employees to work longer hours? It actually isn’t! Think about it. The longer you expect employees to work insane hours with little time to themselves, the more you should expect these employees to burn out and turn bitter about their work. Millennials have found a way to create a healthy balance between work and life, allowing them to stay optimistic, engaged and motivated in the workplace.

Not about the money.

It’s unlikely for a Millennial to immediately expect a raise, demand a bonus at the end of the year, or compare salaries with co-workers. Whereas Baby Boomers allow their salary to define their success, Millennials are more concerned with how their work is impacting the company and the community. This generation is more interested in doing good than pulling in good money.

Outside interests.

Baby Boomers tend to allow themselves to be defined by their career, whereas Millennials define themselves not only by their job, but also by their passions outside of work, as well as their friends and family. By creating a more fulfilled life away from the office, Millennials are able to better develop a well-rounded skillset that can strengthen their performance at work.

Managing different generations in the workplace can be tricky. Are you fit for the challenge?

Column: Fond farewell for this Baby Boomer –



Look around the business world, and you’ll find Baby Boomers departing en masse from companies. Often the timing isn’t their own. I know about this because I was one of them.

When my father returned from the South Pacific after World War II, my parents made up for lost time by producing seven children about as fast as possible. I’m No. 2, a true Baby Boomer. That means that in this day and age, I, like many of my 60-something peers, had a bulls-eye on my back.

What’s happening to many Baby Boomers in the workplace—and this includes the rubber industry—isn’t age discrimination. Nope, it’s wage discrimination, which is NOT illegal and, in fact, is a common, business practice. Even understandable.

A company has a senior person who likes his/her job and sticks with it for many years. Over time this person’s pay increases to the point where their compensation is way more than people beneath them. If they did a good job as a mentor, the company has a qualified replacement waiting in the wings.

So you get rid of the higher up, and save money. Today it’s the Baby Boomers; 20 years ago, I remember that happening to the Greatest Generation people in the rubber industry. I imagine someday today’s up-and-comers will get their turn at the chopping block.

In my case, I was treated extremely well on the way out the door. Emotionally, I was all in anyway—I had planned to retire in a year, so severance essentially amounted to a paid vacation. Plus I still could contribute for awhile as a consultant these past two years. Sweet deal, indeed.

Edward Noga, today

Edward Noga, today

I became a journalist because I wanted to write, and, frankly, just love stories. Stories of any kind, good news or bad, features or investigative. I learned from a master, RPN founder Ernie Zielasko, how to really edit, which is like weeding a garden, tossing out the junk in a story so the good stuff can flower. EZ was the publisher, too, but his first love was the story. He often complained he no longer had the time to report, write and edit because he was the publication’s business manager.

I took that to heart, and never wanted the publisher job. Since the rise of the internet and the decline of the fortunes of the press, I got a taste of it, like it or not. Finding ways for the publication to make money was a secondary role for editors in the past, but today it almost seems like Job 1.

The journalism I practiced was as rigid as EZ’s editing: keep your opinion out of the stories, confined to the editorial page; and publish the truth as best we can find it.

Edward Noga, back in the day

Edward Noga, back in the day

I wouldn’t take free trips offered by companies, a common practice in the trade press. Even if a reporter isn’t swayed by such a freebie—wining, dining, rooms, flights, etc.—it looks like a conflict of interest. I often stepped on toes by defending seemingly obscure editorial principles, because I knew each compromise of a publication’s standards could lead to another. That’s especially true with the digital platforms, where the reasoning is they don’t have to conform to “old” journalism practices.

For 36 years I really enjoyed covering an extremely competitive industry, constantly in turmoil, full of interesting people. I got a chance to travel the world, was paid well enough, and worked with many creative, talented journalists, production and administrative staffers. Even with a couple of hardworking, honest ad sales people who didn’t spend their afternoons engaging in “customer golf.”

If you’re a Baby Boomer in the rubber industry, I hope your exit is as good as mine.

Noga is the former editor of Rubber & Plastics News. He can be reached at [email protected]

Who Are The Baby Boomers and Where Are They Now?

If you were born between 1946 and 1964 when everyone seemed to be having babies after the war, you are officially a Baby Boomer. In fact, during these years, a record 74 million babies were born in the US alone! In their youth, they were the peace and love generation, in an age when everyone seemed to have a cause, as was reflected in the music of the day when they were coming into their own in the 60’s and 70’s. Baby Boomers represent a sentimental time ‘back in the day’ when people really cared what the president was doing, celebrated Woodstock, and pondered Andy Warhol’s disappearance. Paradoxically, it was also a time of peace and mayhem… But those memory days are behind us all these days… So where are the Baby Boomers now?

Today the Baby Boomers make up 40 percent of the population and are the middle aged people you know who tell you they are enjoying empty nest… Until they experience the revolving door of children returning home after college to stay into their 30’s. Many are leaders in business, while others are caretakers who are “sandwiched” between generations, so to speak, as they are often both taking care of their aging parents, and their grand babies and grown children long after having raised their own children.

It is not surprising that the Baby Boomer generation is on the cutting edge of business and technology, and also on the front lines of compassion when families need them to become caregivers. Yes, sandwiched between generations, Baby Boomers have learned a lot about caring, and have a lot to teach us all about multi-tasking. It looks like the peace & love generation is in a position to change our world for the better!

Today, the Baby Boomers are recognized as being the largest group of Americans ever born in a single 25 year period. Their vast demographics are diverse and pale only in comparison to their accomplishments. Baby Boomers are making their mark wherever they go, including in the world of science & technology, medicine, counseling, bioethics, education, business, and you guessed it-even at home.

These dynamic middle age Americans are finding themselves in leadership roles, both in the board room and at home with their growing and aging families, as many find themselves in primary caregiver positions. Caregivers for their aging parents… Caregivers for their young grandchildren. Armed with good college educations, longtime careers, and facing many personal and professional demands on their time, they could easily, and arguably, be considered the “Busiest Generation.”

They are able to practice compartmentalization, which allows them to work hard and keep their work endeavors separate from their home lives. In a fast-paced work world, it is imperative to be able to dedicate ones attention fully to the task at hand, and not bring family issues to work. For most, it is a matter of survival in their hectic daily life.

Most of all, Baby Boomers have become exceptionally good at energy conservation, as they have had to learn how to wear many hats, so to speak, and take some helpful shortcuts in everyday life. From home to work to home again to work as caregivers in their homes and with their families, many have become adept at having a lot on their plate.

Interestingly, at home, Baby Boomers are stellar multi-taskers as they provide ongoing care to aging parents and much needed attention to their children and grandchildren. Wedged between generations, they are the generation most likely to shop online for their loved ones for senior safety products, mobility products, comfort products, adult diapers, special needs diapers, baby diapers and similar items for the convenience, quality and for great deals, in an effort to save time and energy. From disposable diaper delivery to senior aids for independent living, Baby Boomers are turning keys and opening doors as they pave the way for their peers, their elders and youth.

Additionally, the Baby Boomer generation is also engaging in stress reduction like never before. Many have found exercising at the gym to effectively relieve stress in everyday life, while others get lost in their hobbies, travel, or the internet as a way to reduce stress. Regardless of the method, they understand that it is more important than ever for them to find creative, positive stress releases to help balance work and family. Little things like finding ways to cut corners goes a long way in reducing stress, and similarly, using time management skills can easily enable busy Baby Boomers to use their time well, and promote optimal living.

Babyboomer – RUSCONA

Babyboomer je novodobá, veľmi obľúbená technika zdobenia gélových nechtov. Jedná sa o tieňovanie, ktoré vytvorí nádherný a najmä prirodzený vzhľad gélových nechtov.
Na videu je biely gél na väčšej ploche nechtu, no každý si môže zvoliť či chce jemnejší alebo výraznejší babyboomer 🙂
Ja som zvolila teda ten výraznejší nakoľko bol u mojich zákazníčok najžiadanejší 🙂
Verím, že Vám môj postup pomôže pri práci a tiež že sa Vám bude páčiť. Ak by ste mali akékoľvek otázky, kľudne mi napíšte, rada Vám odpoviem 🙂


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Baby Boomer Statistics

Baby Boomer Statistics on Birth, Retirement and Empty Nestling

The baby boomer generation plays a significant part in almost every aspect of today’s America. They made an impact to every age cluster they get to belong. Boomers have the diverse potentials that uplifted their group in history.

Fast statistics show that the fifty plus age group of Boomers are earning roughly two trillion dollars, in control of more than seven trillion dollars of wealth and own 77% of financial assets in United States. That is not all, Boomers also grip 50% of the discretionary powers in both government and private organizations.

Boomers are interesting subjects to tackle-their power to do, their immense abilities and their emotions. And since the Boomer generation is now ranging at the age of 42 to 60 years old, they are facing the issues of retirement. It is fascinating to discover how Boomers envision their old age, their retirement plans and the thought of being empty nesters.

Empty nesting is the period in parents’ lives when their children start moving out to live their own lives. Sadly, aging parents are left by themselves, reviving the scenarios when they were just starting out a family as well. The difference is that they have consumed the energy and youth they used to be abundant of. While the baby boomers have a range of emotions toward empty nesting, they are most likely to play the brand name for them-the independent generation.

Furthermore in the poll conducted for baby boomers, the following are some key points which were uncovered:

Considering the statistics of birth of Boomers, the name of their generation was derived from the explosion of birth right after the World War II. At the span of the Boomer years, roughly seventy-six million Americans were delivered to the earth. Currently, the population of Boomers occupies twenty-eight percent of the whole populace in United States.

Specifically by the year 1957, an estimated 4.3 million of babies were born in America.

On the issue of retirement, baby boomers view this stage on its brighter side. Accordingly, most of the Boomers plan to pursue a career after their previous career. Being involved in sole proprietorship or any self employed business is the popular choice. Seventy-five percent envision their retirement as the chance to devote leisure time with their children and grandchildren. This will result to more domesticated adults. However, of this poll, seventy-four percent feel freer upon retirement while fifty-seven percent claimed that they will only be freer when they become empty nesters.

More than half of the Boomers are confident that they will have enough money for leisure when they already retire. This means that less than half of them are not certain if they will live a comfortable life after retirement. These statistics greatly affects the issue on the empty nesting emotions.

When questioned about parenting, 71% of the Boomers responded positively. For these baby boomers, parenting was a challenging task that marked many wonderful experiences for them. That is why when the empty nesting stage comes, Boomers are more emotionally prepared. This is illustrated in the positive feedback of the 58% baby boomers who are readying for the time when their kids had to leave their territory for good. In parallel, a surprising twenty-six percent feel like they would be closer to their better halves when their kids are gone.

The older the Boomers are, the more emotionally stable they become. Most of the oldies in this generation have been ready to clear the nest. While the large percentage states a neutral emotion, baby boomers are more likely appreciative of freedom that they will soon be enjoying.

For seventy-four percent of Boomers, they have proven to be good role models for their children. And forty percent of the aging Boomers foresee that there will come a time when their children would still cling to them. Since Boomers are characterized by being independent, only twenty-eight percent view their old age like their children would be charged for the rent.

Indeed, baby boomers play significant roles in the society. It is their age that introduces the value of optimism and self sufficiency.

Author Joshua James B.A., M.S.W. Certified Professional Coach


Hep Savvy: All baby boomers should get screened for Hepatitis C | Public … – Enumclaw Courier-Herald

Baby boomers.  - Stock photo

Baby boomers.

— image credit: Stock photo

The following is written by  for Public Health Insider:

Are you a baby boomer born between 1945 and 1965, or have a family member who is? Read on to learn about an important new screening your health care provider will be offering their baby boomer patients.

Viral hepatitis is an alphabet soup of diseases, defined by liver inflammation and caused by different viruses (Hepatitis A, B, C, D, & E). Hep A, B, and C are the most common forms (click the links for more information and signs and symptoms):

  • Hep A: Typically spread through contaminated water or food, including fruits, vegetables and shellfish.  It may also be spread through close contact with an infectious person. Children are routinely vaccinated for Hep A. Hepatitis A does not cause chronic infections (long term or lifelong).
  • Hep B: Typically spread through contact with blood or body fluids on an infected person. A vaccine is available and is typically given at birth and with subsequent vaccination. Hepatitis B can cause chronic infection.
  • Hep C: Typically spread contact with the blood of an infected person, such as through intravenous drug use, non-sterile medical equipment, and blood transfusions before 1992 (blood is now screened to prevent Hep C transmission). Less commonly, a person can also get Hep C through sharing personal care items that may have come in contact with another person’s blood, such as razors or toothbrushes or having sex with a person infected with the Hep C.

Hep C causes a chronic infection in most people and often doesn’t show symptoms until the disease is well advanced. People with advanced Hep C can develop cirrhosis (liver scarring), cancer, upper gastrointestinal bleeding, and is the leading cause of liver cancer and liver transplants. There is no vaccine, but there are very effective new treatment options.

Recent guidelines recommend that all baby boomers should be screened for Hep C. That’s right – all baby boomers, even those who haven’t had a transfusion or don’t think they’ve had a known risk factor.

Elizabeth Barash, manager of Public Health’s CDC-funded “Test & Cure” campaign, provides the details:

Who should be tested for HCV? Everyone born between 1945-1965 (a.k.a. baby boomers) should be tested for hepatitis C.

Why is the recommendation to test all baby boomers for HCV even if a patient does not have a known risk factor? One big reason is that almost half of the people with HCV do not recall a risk factor for getting infected. In addition, HCV is largely a baby boomer disease. People born during 1945-1965 are five times more likely to have HCV infection – making up 75% of people with HCV.  And routine screening of this age group will save lives. But it’s impossible to know whether you’ve got HCV unless you re tested because there are usually no symptoms until liver damage appears.

Why are baby boomers at higher risk for HCV infection?The reason is not completely understood. Researchers think that most baby boomers were infected in the 1970s and 1980s when rates of HCV were the highest. HCV is primarily spread through contact with blood from an infected person. Many baby boomers could have gotten infected from contaminated blood and blood products before widespread screening of the blood supply began in 1992. Others may have become infected from injecting drugs, even if only once in the past, or through contact with contaminated personal items or through sexual contact. Many baby boomers do not know how or when they were infected. The bottom line is that you only know for sure if you’ve got the virus if you get tested. And if you do, additional tests can see if there is liver damage. This helps determine how soon treatment should be started.

Is there a cure for this disease? That’s the great news: New treatments can cure most people and in a shorter time than previous HCV treatments and with fewer side effects.

Who else besides baby boomers should get tested for HCV?

HCV testing is also recommended for people of any age who:


  • Ever injected drugs or currently inject drugs
  • Received clotting factor concentrates before 1987
  • Have persistently abnormal liver enzyme tests;
  • Have been on long-term dialysis;
  • Have HIV
  • Received blood or organ transfusions or transplants before 1992 or who were told that they received a transfusion or an organ from someone who later tested positive for HCV infection.

Drug treatment for HCV is expensive and I’ve heard it is often difficult to get insurance to pay for it. Why should I get tested if I can’t get cured right away? Finding out about your HCV status will provide you with critical information. First, people with liver damage should be treated as soon as possible. But, if your disease is in the early stages and there are restrictions on insurance coverage for treatment, it is still important to know that you are infected so you can monitor for progression of illness and be treated promptly if the disease progresses and/or when eligibility criteria for coverage changes.  In addition, if you know you have HCV you can take other steps to keep your liver healthy.

Should I expect my healthcare provider to ask me about getting screened, or should I ask him/her? This recommendation is new and not all healthcare providers may be aware of the new expanded screening criteria. So, ask your provider the next time you go for a routine check-up. If your healthcare provider has any questions, refer him or her to Public Health’s Hepatitis C Test & Cure team at 206-263-2017.


Baby Boomers Lifestyle – How Baby Boomers Are Different From the Previous Generation

Baby boomers lifestyle is different from the previous generation because they have had to adapt from the culture of their parents.

The two big differences in the generations are work and family related. I am not here to judge but to point out why this difference occurred.

In the fifties and sixties returning veterans could start work for a company and expect to retire after working there for 40 years. There was job security, company loyalty and it was the way things worked then…not now.

I am now 65…for those of a similar age ask yourself how many of your elementary school classmates did not have a mother and father, living at home with them.

Dad went to work; Mom stayed home and raised the family. This was not isolated to one region of the country I went to 11 schools in grades 1 through 12; my dad was an Army officer.

Divorce was unheard of then… a two-parent family provided a stability the baby boomer generation takes for granted.

Fast forward, to today,the baby boomers lifestyle finds divorce rates at 50% or higher, the two-parent family is no longer a given…in some places, they are in the minority.

The job market for Boomers has vastly changed. In the 1980s, companies were bought and sold like Monopoly pieces. Pension funds went out the window; job security was something only the post office afforded. Mom could no longer afford to stay home… she had to work. The baby boomer lifestyle changed from their parents lifestyle.

Boomers discovered the necessity of day-care, multiple jobs and a culture that did not think of divorce as a scarlet letter.

That has made the Boomer generation more independent and self-reliant than the previous generation. The stable home and cradle to grave relationship with one’s work is outdated.

Only time will tell if the generation of the Boomer’s parents was the “greatest generation”. For sure the baby boomer lifestyle is different form their parents lifestyle.