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	<title>Comments on: Ka-boom! Baby boomers&#8217; plans for retirement are getting all blown up</title>
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		<title>By: hartman_john</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5737</link>
		<dc:creator>hartman_john</dc:creator>
		<pubDate>Thu, 07 Aug 2008 18:22:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5737</guid>
		<description>Instead of using your home as a bank account, why not just pay it off and live in it until they cart you off to the crematorium?  Okay, you sell your house-where you goona go that&#039;s cheaper.  Stay put, hire a live-in caretaker and ride the glory train to the bitter end.  It has to be at least as affordable as an Assisted Living studio in Blaine.</description>
		<content:encoded><![CDATA[<p>Instead of using your home as a bank account, why not just pay it off and live in it until they cart you off to the crematorium?  Okay, you sell your house-where you goona go that&#39;s cheaper.  Stay put, hire a live-in caretaker and ride the glory train to the bitter end.  It has to be at least as affordable as an Assisted Living studio in Blaine.</p>
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		<title>By: owlsong</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5736</link>
		<dc:creator>owlsong</dc:creator>
		<pubDate>Mon, 07 Jul 2008 08:29:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5736</guid>
		<description>hemigurl is right. Live within your means, pay off your debts.  For some of us looking toward retirement, the housing bust is good news, since it means that our property taxes will finally stop rising 12%+ per year. Rising property values are only useful if you are planning to sell.  If you are planning to stay put (and you&#039;re not in debt), then there&#039;s little downside to the decline.  Sadly, when it comes to living within your means, a lot of people will learn the hard way.</description>
		<content:encoded><![CDATA[<p>hemigurl is right. Live within your means, pay off your debts.  For some of us looking toward retirement, the housing bust is good news, since it means that our property taxes will finally stop rising 12%+ per year. Rising property values are only useful if you are planning to sell.  If you are planning to stay put (and you&#39;re not in debt), then there&#39;s little downside to the decline.  Sadly, when it comes to living within your means, a lot of people will learn the hard way.</p>
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		<title>By: hemigurl</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5735</link>
		<dc:creator>hemigurl</dc:creator>
		<pubDate>Wed, 02 Jul 2008 22:27:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5735</guid>
		<description>I&#039;m a retired boomer.  I have equity in my home because I have not foolishly lived on credit for things I cannot afford.  The housing bubble had to break, or the next generation would not be able to afford to buy a house.  The prices of homes in the twin cities and suburbs were ridiculous!!!!!!!!  Also, buy what you can afford, then you wouldn&#039;t lose it to a foreclosure.  We&#039;ve had lean times, but built a nice home that we could afford on one income.  People use some common sense.  If your income is $50,000 per year, you CANNOT afford a $5000 per month house payment.  Each individual must start taking responsibility for their own actions.  If I&#039;m going to take  out a loan, I&#039;m going to ask what the payments will be.  If you take an &quot;interest only&quot; loan, you can&#039;t afford the place.  You can&#039;t borrow money with the expectation that your income is going to go up.  There are too many uncertainities.  Hasn&#039;t the lost of jobs in this country made people realize that?  There is something we can do about it though, DO NOT BUY ANYMORE CRAP MADE IN CHINA!!!!!!!!!!!  Not only is it unsafe, but it is taking away our American jobs.  Let the big CEO&#039;s with the big income know that you won&#039;t buy their products if they are made in China.</description>
		<content:encoded><![CDATA[<p>I&#39;m a retired boomer.  I have equity in my home because I have not foolishly lived on credit for things I cannot afford.  The housing bubble had to break, or the next generation would not be able to afford to buy a house.  The prices of homes in the twin cities and suburbs were ridiculous!!!!!!!!  Also, buy what you can afford, then you wouldn&#39;t lose it to a foreclosure.  We&#39;ve had lean times, but built a nice home that we could afford on one income.  People use some common sense.  If your income is $50,000 per year, you CANNOT afford a $5000 per month house payment.  Each individual must start taking responsibility for their own actions.  If I&#39;m going to take  out a loan, I&#39;m going to ask what the payments will be.  If you take an &#8220;interest only&#8221; loan, you can&#39;t afford the place.  You can&#39;t borrow money with the expectation that your income is going to go up.  There are too many uncertainities.  Hasn&#39;t the lost of jobs in this country made people realize that?  There is something we can do about it though, DO NOT BUY ANYMORE CRAP MADE IN CHINA!!!!!!!!!!!  Not only is it unsafe, but it is taking away our American jobs.  Let the big CEO&#39;s with the big income know that you won&#39;t buy their products if they are made in China.</p>
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		<title>By: publiuuus</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5734</link>
		<dc:creator>publiuuus</dc:creator>
		<pubDate>Tue, 01 Jul 2008 11:24:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5734</guid>
		<description>Great thread, guys! In my opinion, there aren&#039;t enough voices from the right posting 800 word treatises from home on thier blogs. I can tell from your posts here that it will be sure to be &quot;fair and balanced.&quot; And by fair and balanced, I mean politically biased, with regurgitated talking-points in a victimized tone. Apologies in advance, if this hurt anyones feelings. Viva O&#039;Reilly.</description>
		<content:encoded><![CDATA[<p>Great thread, guys! In my opinion, there aren&#39;t enough voices from the right posting 800 word treatises from home on thier blogs. I can tell from your posts here that it will be sure to be &#8220;fair and balanced.&#8221; And by fair and balanced, I mean politically biased, with regurgitated talking-points in a victimized tone. Apologies in advance, if this hurt anyones feelings. Viva O&#39;Reilly.</p>
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		<title>By: wabbit</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5733</link>
		<dc:creator>wabbit</dc:creator>
		<pubDate>Tue, 01 Jul 2008 10:56:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5733</guid>
		<description>Thank you.  I appreciate this very much.&lt;br&gt;&lt;br&gt;I will use a bit over 800 word on my blog tonight to describe why this is so important to me.  This isn&#039;t the place.</description>
		<content:encoded><![CDATA[<p>Thank you.  I appreciate this very much.</p>
<p>I will use a bit over 800 word on my blog tonight to describe why this is so important to me.  This isn&#39;t the place.</p>
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		<title>By: mollypriesmeyer</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5732</link>
		<dc:creator>mollypriesmeyer</dc:creator>
		<pubDate>Tue, 01 Jul 2008 10:11:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5732</guid>
		<description>Erik,&lt;br&gt;&lt;br&gt;I would hardly call it &quot;slander&quot; or &quot;maliciously defaming you.&quot; Your bio, which is on the Realtor site I mention, says that you are a &quot;writer for hire.&quot; It is not a far leap to then assume that you get paid to write for that site. Perhaps you should change it, considering it&#039;s very easy to assume someone is getting paid to write for a site if their bio on said site says they&#039;re &quot;a writer for hire.&quot;&lt;br&gt;&lt;br&gt;That said, I wasn&#039;t suggesting that you have a financial motive in commenting here; but that perhaps you aren&#039;t exactly unbiased because of your connection to that site and the local real-estate industry. I apologize if that wasn&#039;t clear, and did not mean to suggest you had a financial incentive.&lt;br&gt;&lt;br&gt;However, I still think you&#039;re arguing an industry line that flies in the face of expert opinion, but that&#039;s a different matter, and I agree it&#039;s time to lay the matter to rest in this thread.</description>
		<content:encoded><![CDATA[<p>Erik,</p>
<p>I would hardly call it &#8220;slander&#8221; or &#8220;maliciously defaming you.&#8221; Your bio, which is on the Realtor site I mention, says that you are a &#8220;writer for hire.&#8221; It is not a far leap to then assume that you get paid to write for that site. Perhaps you should change it, considering it&#39;s very easy to assume someone is getting paid to write for a site if their bio on said site says they&#39;re &#8220;a writer for hire.&#8221;</p>
<p>That said, I wasn&#39;t suggesting that you have a financial motive in commenting here; but that perhaps you aren&#39;t exactly unbiased because of your connection to that site and the local real-estate industry. I apologize if that wasn&#39;t clear, and did not mean to suggest you had a financial incentive.</p>
<p>However, I still think you&#39;re arguing an industry line that flies in the face of expert opinion, but that&#39;s a different matter, and I agree it&#39;s time to lay the matter to rest in this thread.</p>
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		<title>By: wabbit</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5731</link>
		<dc:creator>wabbit</dc:creator>
		<pubDate>Mon, 30 Jun 2008 15:19:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5731</guid>
		<description>I&#039;m still waiting for an apology.&lt;br&gt;&lt;br&gt;You maliciously and falsely defamed me in violation of the stated comment policy.  All I&#039;m asking for is an apology in the same space.  Lacking one, I&#039;ll have to take it up with management.&lt;br&gt;&lt;br&gt;I still have no idea why you&#039;re so hot about this in the first place.  If we&#039;re going to have changes to the regulatory structure, we should do it in a way that doesn&#039;t keep millions of people from buying homes in the future.  Your incorrect statement, and incorrect attribution to an authority, only encourages such a policy.  Why a supposedly liberal website would do such a thing utterly escapes me.  Giving fuel to the Bush Republicans doesn&#039;t make any sense to me at all.</description>
		<content:encoded><![CDATA[<p>I&#39;m still waiting for an apology.</p>
<p>You maliciously and falsely defamed me in violation of the stated comment policy.  All I&#39;m asking for is an apology in the same space.  Lacking one, I&#39;ll have to take it up with management.</p>
<p>I still have no idea why you&#39;re so hot about this in the first place.  If we&#39;re going to have changes to the regulatory structure, we should do it in a way that doesn&#39;t keep millions of people from buying homes in the future.  Your incorrect statement, and incorrect attribution to an authority, only encourages such a policy.  Why a supposedly liberal website would do such a thing utterly escapes me.  Giving fuel to the Bush Republicans doesn&#39;t make any sense to me at all.</p>
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		<title>By: mberg</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5730</link>
		<dc:creator>mberg</dc:creator>
		<pubDate>Mon, 30 Jun 2008 06:37:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5730</guid>
		<description>And hey, Molly - while we&#039;re talking about disclosure, you should probably be telling people that the source you&#039;re citing as the irrefutable, nay unquestionable, &lt;i&gt;sole&lt;/i&gt; authority on the mortgage bubble is &lt;a href=&quot;http://koolaidreport.blogspot.com/2008/06/i-thought-liberals-hated-monopolies.html&quot;&gt;funded by at least one of the same groups&lt;/a&gt; that pays your paycheck.</description>
		<content:encoded><![CDATA[<p>And hey, Molly &#8211; while we&#39;re talking about disclosure, you should probably be telling people that the source you&#39;re citing as the irrefutable, nay unquestionable, <i>sole</i> authority on the mortgage bubble is <a href="http://koolaidreport.blogspot.com/2008/06/i-thought-liberals-hated-monopolies.html">funded by at least one of the same groups</a> that pays your paycheck.</p>
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		<title>By: wabbit</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5729</link>
		<dc:creator>wabbit</dc:creator>
		<pubDate>Mon, 30 Jun 2008 05:43:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5729</guid>
		<description>Molly, this is disgusting.  I demand an apology for this:&lt;br&gt;&lt;br&gt;&quot;Second, in the full interest of disclosure, Erik, I think you should note that you get paid to write about St. Paul real estate by a Realtor.&quot;&lt;br&gt;&lt;br&gt;This is completely untrue.  I write, unpaid, for a friend that is a realtor and has a blog about Saint Paul and real estate.  Before you slander someone, you should do a little bit of research.&lt;br&gt;&lt;br&gt;None of this has anything to do with the points that I have raise and which you have refused to answer.  At every opportunity you have done nothing more than assert that you are right.  Ultimately, you decided to falsely attack me rather than defend yourself.&lt;br&gt;&lt;br&gt;I think it&#039;s obvious that this conversation is going nowhere.  Let&#039;s close it down after your apology.</description>
		<content:encoded><![CDATA[<p>Molly, this is disgusting.  I demand an apology for this:</p>
<p>&#8220;Second, in the full interest of disclosure, Erik, I think you should note that you get paid to write about St. Paul real estate by a Realtor.&#8221;</p>
<p>This is completely untrue.  I write, unpaid, for a friend that is a realtor and has a blog about Saint Paul and real estate.  Before you slander someone, you should do a little bit of research.</p>
<p>None of this has anything to do with the points that I have raise and which you have refused to answer.  At every opportunity you have done nothing more than assert that you are right.  Ultimately, you decided to falsely attack me rather than defend yourself.</p>
<p>I think it&#39;s obvious that this conversation is going nowhere.  Let&#39;s close it down after your apology.</p>
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		<title>By: mberg</title>
		<link>http://minnesotaindependent.com/4574/ka-boom-baby-boomers-plans-for-retirement-are-getting-all-blown-up/comment-page-1#comment-5728</link>
		<dc:creator>mberg</dc:creator>
		<pubDate>Sun, 29 Jun 2008 23:11:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.minnesotaindependent.com.php5-9.websitetestlink.com/?p=4574#comment-5728</guid>
		<description>File under &quot;false appeal to authority&quot;.&lt;br&gt;&lt;br&gt;And careful about the &quot;political spin&quot; you wanna ascribe to Wab.  You don&#039;t know what his politics. are.  But I do.&lt;br&gt;&lt;br&gt;Suffice to say that your assumptions - like pretty much every attempt to write fact or report events you&#039;ve ever attempted - are faulty.</description>
		<content:encoded><![CDATA[<p>File under &#8220;false appeal to authority&#8221;.</p>
<p>And careful about the &#8220;political spin&#8221; you wanna ascribe to Wab.  You don&#39;t know what his politics. are.  But I do.</p>
<p>Suffice to say that your assumptions &#8211; like pretty much every attempt to write fact or report events you&#39;ve ever attempted &#8211; are faulty.</p>
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