The Survive and Thrive Boomer Guide

What are baby boomers doing these days?

Baby boomers are living much longer than their great-grandparents or even their grandparents. The average 65-year-old American today can expect to survive well past 80. So the question is: are boomers using the additional time constructively?

That’s one of the topics our boomer blogging group is writing about this week. Other topics include:

• House sharing when you’re single.
• Ways to make a transition work for you.
• A mother’s sayings make warm memories after she’s gone.
• A rightsized way to travel.
• The joy in finding a lost car key.
• The arguments couples have over and over.
• How to reduce the amount of plastic you eat.
• What you need to set your air conditioner at in the summer.

Tom Sightings of Sightings Over Sixty writes about these articles on the Best of Boomer Blogs #611. Click here to get the links to the blog posts. And be sure to leave a comment on the articles you like or find thought provoking. Boomer bloggers love to hear from readers.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Baby boomers contemplate life’s problems

It’s still beautiful summer, but hints are beginning to appear that fall and winter will come again as they always do.

Meanwhile, baby boomer bloggers are continuing to write helpful, insightful articles:

Meryl Baer of Six Decades and Counting spent the past week recovering from her two-week trip to Scotland. As Baer laments, years ago she would have bounced back the next day. Nowadays it takes longer to rejuvenate. Meanwhile, she reviews the cuisine and a bit of culture experienced in the land of kilts, Celts, clans, and literary greats.

When you’re thinking about an exercise program and you’re age 50 and older, you may want to incorporate functional fitness. On Rebecca Olkowski’s blog, BabyBoomster.com, Candi Randolph, a guest blogger, explains why this is so important.

If you’re thinking of starting a blog or are already a blogger, Jennifer Koshak of Unfold and Begin has some tips for you. Koshak has compiled a lot of her knowledge into her current blog post, “My Go-To Blog Resources.”

Tom Sightings of Sightings Over Sixty recently sat down with a couple who is considering where they're going to live, now that they are retired and their kids are grown and out of the house. They have their eye on a smaller home in a nice vacation area. But as Tom discusses in “Should This Couple Downsize?”  there are still lots of issues to consider and questions to ask.  

Laurie Stone of Musings, Rants & Scribbles gets a cold chill when she hears these words. Like someone with post-traumatic stress syndrome, her pulse increases. Her stomach tightens. She starts feeling light-headed. Did she hear that right? Maybe she got it wrong. But yes, her husband Randy just uttered that most dreaded of sentences: “I’m Going Food Shopping.”

On my blog, I write about the 50^th anniversary of Woodstock and what the Countercultural Movement of the 1960s and 1970s meant to me.

This is the Best of Boomer Blogs #610. Be sure to read these thoughtful articles and join in the conversations. Boomer bloggers look forward to hearing from readers.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Baby boomers bloggers go on vacation, but keep writing

The glory of summer, in addition to better weather, is being able to get together with friends and family. I was able to visit with my daughter and her two children who live in Madrid, and we went to Sacramento to visit my oldest daughter and her family in Sacramento.

I’m so sad the fun is over, but writing always cheers me up. I’m joining with my boomer blogger friends to continue to bring amazing content to our readers. Our topics include:

• A way to figure out the next chapter in your life.
• The beauty of summer vacations and returning home refreshed.
• A listing of the worst chain restaurant meals for this year.
• The wonders of Edinburgh, Scotland.
• The importance of asking for help if you have a problem.
• A theatrical company that provides material and support for seniors who want to act, write a play, or be part of a theatrical production.

Jennifer Koshak of Unfold and Begin writes about these articles on the Best of Boomer Blogs #609. Click here to get the links to the articles. And be sure to join in the conversations. Boomer bloggers love to hear from readers.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Baby boomers keep writing despite the devastation of mass killings

Rebecca Olkowski of Baby Boomster says she’s been paralyzed by the horrifying things that have been happening with four mass shootings in the United States in one week – Brooklyn, Gilroy, El Paso, and Dayton.

Myself, I find the inaction on responsible gun laws appalling. I just can’t understand why Congress won’t do something. I applaud states and local government who have taken action in recent years.

But, it’s not enough. In Washington where I live, the Washington State Legislature passed open carry laws. It’s terrible. One day I went to the state capitol to take photos, and a gun group was having a rally. Guns were everywhere. I asked men at the edge of the group what they were doing. They said they were “protecting the perimeter.” Appalling, just appalling. And Washington is supposed to be a progressive state.

I took photos because I’m a photojournalist and I have a right to take photos in public places. Above is one of the photos I took at the rally. Fortunately, no one shot me.

Baby boomer bloggers are keeping at it, despite upsets, and are writing about:

• The gift of being there for our friends.
• Whether you should tell your age.
• The characteristics of your favorite restaurant.
• How the fear of flying abates for the wonders of Scotland.
• Information on what to do about the Equifax data breach payment for consumers.
• Medicare updates.
• Ethical fashion brands.

This is the Best of Boomer Blogs #608. Click here to get the links to the articles. And be sure to leave comments. It’s fun to hear from our readers.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

CFPB needs to quash draft rule aimed at weakening discrimination reporting requirements for mortgage lenders, attorney general says

The Consumer Financial Protection Bureau shouldn’t adopt its recently-proposed rule that would undermine the ability to enforce fair lending laws and prevent discrimination in the mortgage lending market, New York Attorney General Letitia James said Friday.

On May 13, the CFPB announced that it would raise the reporting threshold for mortgage lenders under the Home Mortgage Disclosure Act, or HMDA, a 1975 law that requires mortgage lenders to make some mortgage data publicly available as a check to ensure compliance with fair lending laws. Some of this data includes information, which lenders already collect to comply with other regulations as well as their own underwriting standards, such as race, ethnicity, gender, age, census tract, credit score, total cost of the loan, and property value, and whether the application was accepted or denied. 

“Fair lending laws exist to protect consumers and ensure that lenders cannot engage in discriminatory practices,” said James. “The proposed rules would undermine these very protections and greatly hinder our ability to hold bad lenders accountable for such behavior. The CFPB was created to protect consumers, not put them in harm’s way by adopting regressive policies.”

Happy Father’s Day

This year, about 80 percent of Americans will be celebrating Father’s Day.

I hope you’ll be able to share an activity with your dad, if you live close enough to get together. If your dad lives far away, maybe you’ll be able to talk to him through Skype or Facetime.

I’m missing my dad, Minor H. Slingsby, today. He was an important figure in my life. Carefully watching every penny, my dad taught me to be an informed, alert consumer. I’m a personal finance writer because of him.

Here’s a tribute I wrote to my dad.

So happy Father’s Day to the dads of American and their kids. About 60 percent of men aged 15 and older are fathers, according to the U.S. Census Bureau.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Facts and figures for Father’s Day 2019

It’s that time of year again. When the flowers bloom and the trees leaf out, it’s time to recognize those important guys in our families – our dads.

Spending

Americans are expected to spend a record amount on gifts for Father’s Day this year, according a survey conducted for the National Retail Federation. Total spending for the holiday is estimated to reach $16 billion, up from last year’s $15.3 billion.

Father’s Day spending has grown 70 percent, about $6.6 billion, since 2009. The biggest drivers of Father’s Day spending are growth in spending by consumers ages 35 to 44, and spending on clothing, special outings, and gift cards. This year, 75.9 percent of people plan to celebrate and are expected to spend a record $138.97, up from last year’s $132.82, and up from $91 in 2009.

Baby boomers embrace June and summer fun

Memorial Day weekend is the unofficial beginning of summer, although it officially begins June 21. When the weather is good, people enjoy barbecues, picnics with family and friends, outdoor fun at home, and travels elsewhere.

For Memorial Day, I was in Madrid visiting my daughter and her family. The following day we went to  the Manzanares el Real Castle, 45 minutes from Madrid. Close to La Pedriza at the foothills of Sierra de Guadarrama, the castle was restored three times in the 20^th century.

The boomers in our group have been busy and start the season with ideas readers will find interesting. Articles include:

• How to create a "no" list to get time in your life for what’s important.
• How to cultivate friendships.
• Recommendations for TV shows from among those nominated for Emmys.
• The top 100 most frequently asked questions.

Meryl Baer of Six Decades and Counting writes about these articles in the Best of Boomer Blogs #599. Click here to get the links to the articles. And, be sure to let the boomer writers know your thoughts. We love, love, love to get comments from readers.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Baby boomers collaborate to bring you more great articles

Baby boomer bloggers in our group may live in different areas of the country, but we come together to collaborate on weekly posts to share each other’s work.

Jennifer Koshak of Unfold and Begin reports that this week boomer bloggers are writing about:

• How to plan a cruise.
• How personal style and pizzazz can be mastered at any age.
• The pleasures of helping a friend.
• Healthy, tasty recipes that are easy to make.
• Whether Medicare for All would be good for younger people.

These articles make up in the Best of Boomer Blogs #596. Click here to get the links to the articles. And be sure to look at the comments and leave one yourself. Boomer bloggers enjoy lively conversations with readers.

Copyright 2019, Rita R. Robison, Personal Finance Writer

Happy Mother's Day

Daughters are about the best thing that a mom can get. I was lucky and got two of them.

I love celebrating Mothers' Day with my daughters and grandchildren. I like having the special day to remember how fortunate I am to have them and all the memories that we've made along the way. 

It seemed like no time at all that it took my daughters to grow up and leave home. Now, it's happening to my grandchildren. My oldest turned 18 and is headed to college. The twins are 15 and are amazingly tall. They'll be in college, too, before we know it. 

So, I'm thankful today for my daughters and grandchildren. They're strong new generations, making a way for themselves in a challenging world.

Copyright 2019, Rita R. Robison, Personal Finance Writer