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The Pre-Boomer Generation is typically looked as those born through the 20 year period before the end of WW II or roughly from 1924 to 1944. There were approximately 50 million people born inside the US during this period frame. These Pre-Boomers are considered being of the Silent Generation (a bit of a misnomer!); sometimes termed as the Luckiest Generation. Lucky given that they were born soon after the Great Depression, were too young for everyone in World War II and probably the Korean War, and too old for everyone within the Viet Nam War. Since 95% of the Pre-Boomers previously retired, they’re also lucky being reaping the advantages of Social Security and Medicare; benefits that will ‘t be accessible to many with the younger generations. Unlike the Baby Boomers who have recently lost 25-50% of the nest egg before retirement as a result of current recession and mortgage crisis, the Pre-Boomers are lucky because in all probability, these folks were able to purchase their retirement residence and still have conservatively invested the total amount, thus preventing a significant depletion of the retirement savings (with fewer years to create their remaining savings last!).

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1. Not speaking with your lenders since you think they are soon after your house. This is a big no-no. At these times, your lenders may be the first visitors to assist you. They give you suggestions on how you may get your homes back. They will even delay the foreclosure process for you by giving which you grace period to redeem your homes.

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