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Baby Boomer Commandments – 6 Golden Rules They Stuck To


The baby boom generation marks a group of nearly 20 years where the birth rate rose dramatically and over 77 million babies were born. Since then, the birth rate has returned to normal, but the influx of people into society was astronomical. The baby boom generation has been an important part of the American culture. They have defined many of the current beliefs, became law makers and politicians and have served this country.

However those born between 1946 and 1967 haven’t always been given the best monikers. They have been considered self-righteous and self-indulgent being the complete opposites of their parents who sacrificed to make their way in the world.

Baby boomers have fought against the negative stereotypes. Baby boomers lived through a time that was vastly different than any other. They saw pointless wars being fought, destroying lives and family. They fought to relieve their families of poverty while trying to gain education to create a better lifestyle.

The ideals of this generation created The Boomer’s Six Commandment. These rules defined what the baby boomer generation was about and how they lived. Most of those born during this era followed these ideals, but not all. Every generation is defined by the circumstances and experiences they have to deal with. Think about everything that happened in those years: Vietnam War, Civil Right Movement and the Energy Crisis.

1. Be trendy and hip. Some think a major problem with the baby boomers is not being able to grow up. This is seen in a variety of ways. There are those who try to reverse the aging problem, which will never put plastic surgeons out of business. Baby boomers sometimes get frozen in their own era, dressing and acting like they have for 20 years. However, there are other baby boomers that move on with the fashion times, wearing and exemplifying what it means to be cool.

2. Being relevant is important, so accept the changes. Everything moves on and even the baby boomers couldn’t keep the culture stagnant. They learned wisely that it is more important to accept the culture that is changing around them rather than fight it. This can be seen through many different ideals of the baby boomers.

3. Be an individual. There were so many children born in that time period that it is easy to lump everyone into one category. However, the baby boomers won’t allow that. Being an individual is just as important as supporting the greater good. The baby boomers lived through a time of enormous change and have created radical movements that have transformed this country.

4. Create a new history. What happened in the past doesn’t seem to matter to baby boomers. Everything they did was done for the first time, at least that is what they all want you to believe. Baby boomers view their generation as a milestone creator leaving no room for any previous generation to have a significant importance. Occasions that happened in the past are just that – history – and have no place their lives.

5. Don’t be a sell out. If you become a sell out, you will lose your baby boomer card. Just because they are living the American dream as white, middle-class folks doesn’t mean that is what they feel deep down in their heart. They will always be revolutionaries who are willing to change a generation at the drop of a hat.

6. Always question authority. Baby boomers had a difficult time of trusting anyone older than them. It meant they wouldn’t listen to cops, priests or their parents. This was the care-free generation who couldn’t trust anyone, just each other. Baby boomers didn’t follow the rules, they made the rules. They weren’t going to be told how to live their lives.

Many Baby Boomers Must Overcome Loan Qualification Obstacles to Buy Retirement Home Bargains


There is a bonanza of attractive retirement homes available to Baby Boomers at bargain prices. Making “lemonade out of lemons,” many Boomers are seeking to take advantage of the foreclosure market to purchase a retirement home that was unaffordable just a few years ago. But because of restrictions put into place to counter “buy and bail” abuses, they are finding it difficult to get a new loan when they intend to convert their current home to a rental property because they cannot sell it in this abysmal real estate market.

Because so many buyers who are upside down on their mortgages were qualifying for new home loans by producing bogus rental agreements on their current residence and then walking away form the old mortgage once their new home closed, lenders have implemented stricter loan qualification rules to prevent this practice.

Fannie Mae and Freddie Mac underwriters now require that buyers qualify on the mortgages for both homes. To get a new loan, buyers must have a 30 percent equity (25% for Fannie Mae) in the property that is to be rented and a valid 12-month lease (with security deposit) to be able to use 75 percent of the rental income from the old home. And up to a two-month mortgage reserve (on both properties) may be required. If this criteria cannot be satisfied, then borrowers must qualify for both homes, have a valid 12-month lease (with security deposit), and six months in reserves for both mortgages. Plus, rental income cannot be used to qualify for the new loan.

FHA-insured loans now require a 25 percent equity stake in the property to be rented (along with a valid rental agreement and verified security deposit), but do not impose reserve requirements. Regardless of which organization is backing a loan, qualifying income and assets are closely scrutinized and must be well documented. And of course a decent credit score is a must.

Thus, Boomers planning to rent out their current residence and buy a bank-owned property have to first obtain a legitimate one-year rental agreement for their current home. Typically, this involves moving to an interim residence and possibly placing some household goods into storage before getting a lease on their now vacant home. And if they are upside down on the equity in their former home, their income has to be sufficient to qualify for both properties. Moreover, they will likely be required to set aside six months of reserves to cover both mortgages…and that is a big chunk of money that Boomers seeking to retire will not have access to for a long time.

Of course, one way to circumvent these onerous loan hurdles is to pay all cash for a new retirement home. Those who have paid off the mortgage on their current home can sell it (a big “maybe” in today’s market) and use the proceeds to buy a new home. Or, they can possibly take out equity to pay cash for a new home. Many Boomers also have retirement savings that can be tapped to make an all-cash purchase. These lucky few enjoy a formidable advantage – who cares if you rent your old home at a break-even situation or even a negative cash flow if you don’t have to satisfy underwriters?!

But what about the majority of Baby Boomers who have seen their retirement savings sliced by 50 percent or more and their home equity evaporate? Are they out of luck? Not necessarily, but they will have to work harder to finance a bargain retirement home. Here are some avenues for Boomers to explore:

  • Many homes will be able to generate a positive rental cash flow even if the mortgage is upside down. Check the rental demand in your area by talking to local property management firms and rental agencies, then do the math to see if you can buy a desired retirement home based on qualifying for both properties.
  • If you can put up a large down payment on the new property, you may be able to get a private investor to come up with the balance and essentially buy the property “for cash.” Investors figure you’re not going to bail on the new residence if you have large equity stake in it.
  • A local lender who retains loans rather than reselling them may have less strenuous qualification requirements, especially if you place a down payment on the new property of 30 percent or more.
  • Look into new 40- and 50-year or interest-only loans that offer lower payments and possibly more lenient qualifying criteria. Just be prepared for the balloon payments or rate adjustments that usually accompany these loans.
  • You could do a loan-free 1031 exchange with someone who has a house you like and wishes to move to your current location.
  • Get your grown kids to help you come up with an all-cash offer.
  • Look into offering your current home under a “lease/purchase” option to entice renters and boost rental income. Here, the renter typically pays more each month to build up a down payment that allows them to purchase your old residence at either a pre-agreed price or current market value at the time of sale.
  • See if your current lender will reduce the principal and/or interest rate on your mortgage to make your financial profile more appealing when applying for a loan on a new retirement home.
  • If you have rented out your old residence for at least six months, it could qualify as an investment property and you can avoid “buy and bail” qualifying restrictions in acquiring a new loan! In some cases, it may pay to rent your new home (perhaps under a lease/purchase option) or live in an interim residence for six or more months to enjoy more lenient underwriting.

Other avenues to explore are:

  • New home developers eager to unload inventory may have “buy downs” and other financial programs that circumvent or alleviate tradition loan qualification criteria.
  • Lenders are becoming more open to “short sales” as the financial crisis deepens. See if your lender will work with you to unload your upside-down property in a fashion that doesn’t damage your credit score, thereby allowing you to later qualify for a new loan on a retirement property.
  • Find a knowledgeable Realtor who will work with you as a “buyer agent” to help you negotiate a good deal and run interference with lenders.
  • Some areas of the country offer special financing from local lenders or civic government to entice Baby Boomers looking for retirement homes.
  • You could just rent a new retirement home and retain your cash reserves for emergency funds, market investments, etc. Then, what you do with your old home is then up to you – sell or rent it out, or just walk away from a hopelessly upside down loan.
  • If you are a veteran, check into VA and special state loan qualification programs. They may be able to help you or offer suggestions.

Just a note on bailing on your existing mortgage – avoid this action unless you have no other choice. There are lingering consequences, including the inability to get a new loan for 4-5 years and possible legal actions. Although there are loan qualification hurdles for most Baby Boomers seeking to buy retirement homes at today’s bargain prices, don’t give up. Talk to a knowledgeable mortgage broker, loan officer or Realtor to see what options are available. One thing Boomers have learned over the years is that if you are persistent, there is usually a way to make something happen. And there has never been a better time to do buy – the foreclosure market presents a rare opportunity to retire in a home that was previously was out of financial reach for most Boomers.

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Baby Boomer – Four Business Ideas For the Industrious Baby Boomer


There are literally hundreds of ideas that can be transformed into successful small businesses by diligence and industrious hard work. Four of the business ideas for industrious baby boomers may be as simple as:

1. Starting a kids’ clothing resale business. You can begin by looking through your kids’ closets. Find rejects and clothes that no longer fit, and sell the discards on eBay. You can soon expand this to a full-time business. Most people would like to buy fashionable and quality clothes for their children, but may not be willing, or able to spend a large amount of money on them. You can help parents keep up with rapid growth, without the need for a lot of expense on clothes. Sell used, but proper clothing either online or consider opening your own store from home. Think about adding other baby necessities such as strollers, bassinets, cribs and so on to your product line. You can either buy the items outright, or take them from neighbors, family, dress makers and knitters or buy as bulk from thrift stores or garage sales in the areas around you.

2. Becoming a virtual assistant. A virtual assistant is an independent contractor who provides administrative support or specialized business services through the Internet, fax, or telephone. They can provide special skills for some particular project; or fill the gap during sudden business growth. The virtual assistant can become indispensable to the office staff. You can work as a secretary, an executive assistant, a data entry operator, a clerk, a tax advisor, an accountant, or a medical transcriptionist. You could play a role in web designing and promotion and much, much more. A VA is not an employee but is a small business owner who handles the work on a project basis. Experience in office management and in handling computer systems and software can be of immense help.

3. Starting professional pet-sitting or house-sitting service. People today feel a greater need for security, especially in view of growing crime and terrorism rates. A House-sitter provides reassurance and peace of mind while the homeowner is away. Becoming a house-sitter does not require any special skills, only trustworthiness and reliability. Personal references and reliable transportation are a must. Pet-sitting is also a growing business field. People have to go out of town for various reasons, and they find it impossible to take their pets along all the time.

4. Starting a home-based child care business. A home-based daycare business is fairly simple to conceive, but do consider all the issues before you start. Think about the age group of kids you can care for because that will decide what kind of support staff and childcare you need to provide. Also include ideas for activities for the kids, discipline and guidance tools, help you need and food or refreshments (depending on how long they stay with you).

Comment: thank god for the Baby Boomers – SBS


Every generation tries to make sure its children have a better life than it did. The baby boomers have certainly done that for the GenYs – although they are getting little thanks.

What did the boomers inherit from their parents? Well, debt twice as high as GDP – as a result of borrowing for WW2. What did they pass on to their kids? Virtually no public debt at all. It took fifty years to get rid of the debt, but we did it.

The infrastructure we inherited was completely run down as a result of the Great Depression and WWII. The boomers built virtually all the infrastructure which is now in place, the cities, highways, stadiums – and we paid for it all, handed on debt free to the nexst generation. Brisbane was not even sewered until the 1960s.

“No baby boomer ever went out for breakfast.”

Culturally what did the baby boomers inherit? Answer: a completely stifled, British and male dominated society, one living on beer, beef, boiled potatoes, carrots and beans: virtually no restaurants, no Thai food, no Asian faces. The transformation has been massive. No baby boomer ever went out for breakfast.


Then of course there is life expectancy. A baby boomer was typically not expected to live beyond 70: the current generation comfortably expects to live into its 80 and beyond. What is the value of an extra 10 years of life?

“Most boomers saved for years to be able to go overseas”

We could be material and point out the access to music, literature, culture and travel that the Gen Ys enjoy every day without thinking about it. Imagine 18 years olds going on a gap year to Europe or the United States, or even going on a week’s trip to Bali: Most boomers saved for years to be able to go overseas – it was a very big thing. Even the idea of a week in Surfers for “schoolies” is an indulgence we find amazing. 

Living standards have more than doubled – thank you baby boomers.

And of course we keep hearing about how hard it is for the GenYs to buy a house. I remember paying 20% interest on a house loan: compare that with the 4% GenYs can borrow at. They can service much bigger loans on the same income than we ever could. Add to that the fact that their incomes are twice as big in real terms as ours were – it does not look impossible to anyone who is determined. We knuckled down and saved hard for a deposit: no lattes, no fancy brunches, no tickets to big concerts, no weekend trips to Byron, no week in Phuket, no credit cards.

There is no doubt that GenYs have much better lives than their parents did at the same age. It makes no sense to compare the life of a 60 year old now with that of a 25 year old: be fair and compare like for like. I am sure any baby boomer would happily swap places with a GenY.

Dr Maddock is the Adjunct Professor of Economics, Monash University, a Vice Chancellor’s Fellow and Professor, Victoria University and President, Economic Society of Australia (Victorian Branch).

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Baby Boomers Working Online: How To Become Self-Employed And Make Money While You Work From Home


The Baby Boomer generation has been hit hard by the recent downturn in our economy. Many Baby Boomers, ready to retire, suffered a financial loss when the stock market hit a down-turn. In some cases, 401K funds and retirement accounts lost almost half their value. Baby Boomers, perched on the edge of retirement, have had to re-think their financial futures, and are now working longer than they anticipated; unable to retire without some type of additional income.

But, Baby Boomers are a resourceful generation, and many of them are starting secondary careers, rediscovering their Entrepreneurial spirit, and supplementing their retirement pensions while becoming self-employed and working from home. Some Baby Boomers have opted to continue working, while others have decided to retire and supplement their retirement funds with a second career.

The World Wide Web has opened a whole new world of self-employment opportunities to anyone wanting to work from home, and retirees are taking full advantage of this phenomenon in order to prop up their depleted 401K accounts. There are over 1.73 Billion people currently online. The internet is transforming many aspects of our lives. It has changed the way people communicate, the way we stay in touch, shop, get information, review products, and it has changed the way companies advertise and market products. Internet marketing has become a multi-million dollar industry. Businesses are advertising online like they used to advertise in print media. For the generation with the entrepreneurial spirit, the internet has quickly become a great opportunity to become self-employed, work from home and earn money, either a primary source of income or as supplemental income for retired individuals.

If you are currently a retired Baby Boomer and you are looking for a way to supplement retirement funds, or if you are a Baby Boomer who has decided not to retire yet because of financial constraints, you may want to seriously consider a second career working online from home. The world of internet marketing needs you!

Working online from home is the perfect opportunity to earn money and have a career while working from home. Having sufficient funds to retire comfortably need not be a pipe-dream. You can earn a substantial secondary income as a self-employed home-based business owner. There are many programs being advertised online for people who want to learn internet marketing. Some of these programs are in excess of $30,00.00 to purchase. However, some of these programs are being advertised at under $500.00. It is not necessary to purchase the most expensive “franchise”, nor will you learn everything you need to know for a couple of hundred dollars. A great internet marketing program should cost you less than $3,000.00, which is a very small investment for the opportunity to have your own business. Research any internet marketing program thoroughly, and do not fall for promises of “instant wealth.” You are Baby Boomers. You know it takes hard work and dedication to any endeavor for it to become profitable.

Supplementing your retirement income and your shrinking 401K doesn’t have to be difficult. Earning money and starting a new career working online from home can be lucrative and interesting!

A Fun Guide to Retail or Shopping Amnesia for the Baby Boomer Woman


Last week I was in a local gift shop looking for my birthday present. Yes! I have sons and they love it when I choose my own present. All they have to do is repay me and I get what I want. One of my sons even tried to get me to buy my own birthday card. That was a step too far. Now that we are all adults, money changes hands as we all buy what we like within financial limits.

When I told the male cashier why I was buying that gift as Extroverts do, he commented that I would have to practise retail amnesia until the big day. It got me thinking how valuable retail or shopping amnesia is as a wardrobe tool.

Here is my fun guide to retail amnesia for the modern Baby Boomer woman’s wardrobe.

It Is the Same One I Have Always Had!

This one works well on men who generally do not seem to notice fine design details. You have replaced old black pants, black skirt, white shirt, red jacket etc with a new one. It is the same colour but the style and details are different. With a straight face, you can claim they are mistaken because it is the same old one. This is replacement amnesia.

Oh! This Old Thing!

Come on! We have all used this one. You buy something. You let it sit in your wardrobe for at least a month. Then when your husband, partner, mother or children notice you wearing it, you say – This old thing! No, it is not new! I have had it for ages. This is calculated amnesia.

Got It For Free!

It is your birthday month or you have reached a certain spending amount and the store sends you a voucher. For some strange reason it is never enough to cover the full cost of what you choose to buy there. We all love a loyalty bonus and it is great marketing. It is also great for shopping amnesia as you can claim to your loved one that it was free or close to it. This is reward amnesia.

I Only Bought One Thing!

You are shopping and carrying new wardrobe items in a couple of bags. The next purchase comes in an oversize bag. Great! All the smaller items can fit inside and not be seen. You walk in the door at home and your loved family member thinks you have only bought one item. You say nothing. This is conspiratorial amnesia.

I Do Not Remember Buying Two Items!

You have been internet browsing and shopping. Unfortunately the parcel arrives when your husband or partner is home. Not what you planned! Suddenly a second pair of shoes or necklace or top has appeared in the package. You say, I thought I only bought one. This is selective amnesia.

Last Words

Our wardrobes are full of emotions – guilt, pleasure, love and hate. Whether you call it Retail or Shopping Amnesia, it has an important part to play in all of these emotions.

As for me, I am off to spend that Birthday Voucher from the store. I am sure it will not cover anything I want to buy but the purchase will still be a bargain in my mind.

Free Hepatitis C Testing at PCDOH on May 19; All Baby Boomers Advised to Have One-Time Test – HamletHub


The Putnam County Department of Health (PCDOH) is offering free Hepatitis C testing on National Hepatitis C Testing Day, Thursday, May 19, for all New York State baby boomers. While anyone can get “Hep C,” baby boomers born from 1945 through 1965 are five times more likely to have the virus. Testing starts at 10 a.m. and runs until 5 p.m. at the main health department office at 1 Geneva Road in Brewster. No appointment is necessary.

“Health officials encourage everyone in this age category to take this one-time test, regardless of any specific risk,” says County Executive MaryEllen Odell. “The reason baby boomers have high rates of Hep C is not completely understood,” explains Interim Health Commissioner, Michael Nesheiwat, M.D., “but the fact is that 75 percent of infected adults were born in these years. Most are believed to have been infected in the 1970s and 1980s when infection rates were highest. The danger with this infection is that you can live with it for decades without feeling sick, but long-term it can cause liver failure, cirrhosis and cancer.” Hep C is primarily spread through contact with infected blood.

Many baby boomers could have gotten infected from contaminated blood and blood products before widespread screening of the blood supply in 1992. Others may have become infected from injecting drugs, even if only once in the past. Many baby boomers however don’t know how or when they were infected. More than 3 million Americans are living with this viral disease, and 75 percent of them are unaware of their infection. The longer an individual lives with the infection untreated, the more likely they are to develop serious, life-threatening liver disease. According to the Centers for Disease Control and Prevention, viral hepatitis is a leading infectious cause of death in the U.S. There is no vaccine to prevent Hepatitis C.

Getting tested is the best way to know so treatment can be started as soon as possible. For many people, treatment can cure Hepatitis C and prevent liver damage, cirrhosis and liver cancer. Residents who can’t make the Free Testing Day on May 19, can call the health department at 845-808-1390 for information about other free testing opportunities.