ken atchity door to door: The Boomer Bust [via David Angste]

The Boomer Bust [via David Angste]

By P.J. O'Rourke

Here we are in the baby boom cosmos. What have we wrought?

Justin Paget/Corbis; photo illustration by Stephen Webster

We are the generation that changed everything. Of all the eras and epochs of Americans, ours is the one that made the biggest impression—on ourselves. That's an important accomplishment, because we're the generation that created the self, made the firmament of the self, divided the light of the self from the darkness of the self, and said, "Let there be self." If you were born between 1946 and 1964, you may have noticed this yourself.

That's not to say we're a selfish generation. Selfish means "too concerned with the self," and we're not. Self isn't something we're just, you know, concerned with. We are self.

Before us, self was without form and void, like our parents in their dumpy clothes and vague ideas. Then we came along. Now the personal is the political. The personal is the socioeconomic. The personal is the religious and the secular, science and the arts. The personal is everything that creepeth upon the earth after his (and, let us hasten to add, her) kind. If the baby boom has done one thing, it's to beget a personal universe. (Our apologies for anyone who personally happens to be a jerk.)

Self is like fish, proverbially speaking. Give a man a fish and you've fed him for a day. Teach a man to fish and, if he turns into a dry-fly catch-and-release angling fanatic up to his liver in icy water wearing ridiculous waders and an absurd hat, pestering trout with 3-pound test line on a $1,000 graphite rod, and going on endlessly about Royal Coachman lures that he tied himself using muskrat fur and partridge feathers…well, at least his life partner is glad to have him out of the house.

So here we are in the baby-boom cosmos, formed in our image, personally tailored to our individual needs, and predetermined to be eternally fresh and novel. And we saw that it was good. Or pretty good.

We should have had a cooler name, the way the Lost Generation did. Except good luck to anybody who tries to tell us to get lost. Anyway, it's too late now. We're stuck with being forever described as exploding infants. And maybe it's time, now that we've splattered ourselves all over the place, for the baby boom to look back and think. "What made us who we are?" "And what caused us to act the way we do?" "And WTF?" Because the truth is, if we hadn't decided to be young forever, we'd be old.

The youngest baby boomers, born in the last year when anybody thought it was hip to like Lyndon Johnson, are turning 50. We'd be sad about getting old if we weren't too busy remarrying younger wives, reviving careers that hit glass ceilings when children arrived and renewing prescriptions for drugs that keep us from being sad. And we'll never retire. We can't. The mortgage is underwater. We're in debt up to the Rogaine for the kids' college education. And it serves us right—we're the generation who insisted that a passion for living should replace working for one.

Still, it's an appropriate moment for us to weigh what we've wrought and tally what we've added to and subtracted from existence. We've reached the age of accountability. The world is our fault. We are the generation that has an excuse for everything—one of our greatest contributions to modern life—but the world is still our fault.

This is every generation's fate. It's a matter of power and privilege and demography. Whenever anything happens anywhere, somebody over 50 signs the bill for it. And the baby boom, seated as we are at the head of life's table, is hearing Generation X, Generation Y and the Millennials all saying, "Check, please!"

To address America's baby boom is to face big, broad problems. We number more than 75 million, and we're not only diverse but take a thorny pride in our every deviation from the norm (even though we're in therapy for it). We are all alike in that each of us thinks we're unusual.
... The seniors of this generation were born in the late 1940s. The author is of that ilk. The seniors were on the bow wave of the baby boom's voyage of exploration. But they were also closely tethered in the wake of preceding generations. In effect the seniors were keelhauled by the baby-boom experience and left a bit soggy and shaken. If we wound up as financial advisers trying to wear tongue studs or Trotskyites trying to organize Tea Party protests, or both, we are to be forgiven. Hillary Clinton and Cheech Marin are seniors.

The juniors were born in the early 1950s. They were often younger siblings of the seniors and came of age when parents were throwing in the towel during the "What's the Matter with Kids These Days" feature match. The juniors pursued the notions, whims and fancies of the baby boom with a greater intensity. For them, drugs were no longer experimental; drugs were proven. From the juniors we got the teeny-boppers, the groupies and the more ragamuffin barefoot urchins of Haight-Ashbury. They hunted up some shoes when they eventually made their way to Silicon Valley. ( Bill Gates and Steve Jobs were both born in 1955.) But they never did find their neckties.

The sophomores were born in the late 1950s. By the time they reached adolescence, the baby-boom ethos had permeated society. Sophomores gladly accepted sex, drugs, rock 'n' roll and the deep philosophical underpinning thereof. But they'd seen enough of the baby boom in action to realize that what works in general terms doesn't always work when the bong sets fire to the beanbag chair. Circumstances had changed. In college, many of the sophomores attended classes. Some even sneaked off and got M.B.A.s.

The freshmen were born in the early 1960s. They felt no visceral effects from the events that formed the baby boom. To freshmen, the Vietnam War was just something that was inexplicably on TV all the time, like Ed McMahon. Feminism had gone from a pressing social issue to a Bea Arthur comedy show that their parents liked, and, by the time the freshmen were in college, feminism was an essay topic for the "Reading Shakespeare in Cultural Context" course. Hint: Lady Macbeth hit that glass ceiling hard.

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Yoga Gives Back

Written by Kayoko Mitsumatsu

From Posture To Power: Microcredit Changes Lives On Both Sides of the Ocean

We can talk about making change. But affecting real change in the world comes from impacting the lives of individuals. It comes from empowering people to be independent and able to make a living on their own while at the same time being fully integrated in our interdependent global community. Sometimes it takes something that seems to be radical to make this change, but these shifts can be deceptively small. They can be even as small (or as large) as the cost of a Los Angeles Yoga class.

How could this be? In the practice of microcredit, lending seemingly small amounts of money to small-scale entrepreneurs allows them to succeed and change their circumstances. This is the fundamental basis of microcredit’s transformative power; it’s a revolutionary concept in finance. This practice shifts the emphasis from financial transactions being focused only about large loans and large scale businesses, which are out of reach of many one-person operations, institutions and organizations – to lending practices that actually make a positive difference in a person’s life. Microcredit practices based on social justice and empowerment operate through a combination of small-scale loans based on trust and community support, with structured repayment plans and programs that encourage savings. In these situations, people actually have the opportunity to solidify long-term change in their lives.

Dr. Muhammad Yunus and the Yoga Gives Back Team: Joel Bender, Leslie Hendry, Dr. Muhammad Yunus and Kayoko Mitsumatsu (left-right)

In 2006, economist Dr. Muhammad Yunus and the institution he founded, the Grameen Bank, were awarded the Nobel Peace Prize. This award was in recognition of their revolutionary efforts to create this micro-credit model, support sustainable economic practices, and provide an alternative to what were exploitive norms. When a person is caught in a cycle of poverty, they may become trapped in the system, particularly since large banking institutions have historically ignored people without assets or credit histories, who are just starting out and who may not have already proven themselves. Most banks prefer to lend large sums of money that represent a greater profit margin and are set up only for large loans in order to make a profit themselves. And even making it more challenging, people at the bottom of the economic scale worldwide have had to rely on moneylenders charging usurious terms and interest rates to obtain funds to plant the next crop, buy inventory of new equipment, or upgrade a business in any way. Institutions such as the Grameen Bank and their affiliates are offering another approach. It’s one that has significantly impacted millions of people.

As Dr. Yunus described in an exclusive interview with Yoga Gives Back in May, 2009, “We started in 1976, and today within Grameen Bank in Bangladesh, eight million people borrow micro loans, ninety-seven percent of them women.” This represents an enormous potential for change and empowerment that just did not exist on a large scale in this form prior to 1976.

There is a social cycle in economics, and Dr. Yunus explained this: “Poverty is not inside the person. Poverty is forced from outside. Poor people are as capable [a] human being as anybody else. They have the same power and energy, same potential. But they are denied such facilities. They cannot express themselves. Money is one of the most important items missing in their lives. You need a dollar to catch a dollar. You cannot catch a dollar with an empty hand. So, that first dollar, nobody has given to her. So she remains dependent on someone else. She has to be hired, to slave; she has to work to make food available on the table. What we have done, we have put that first dollar into her hands as a banking proposition. Conventional banks never come to the poor people. They go to rich people to make more money. The person who does not have a dollar – she cannot get it. So we did it. We did it in a way that is affordable to her. Because we do not insist on collateral. There is no collateral.”

While that may seem like a radical concept, the Grameen Bank has proven that their success is much more than ideological. Dr Yunus cited statistics for us, “The repayment rate is almost 100%, without collateral or anything. This is the strength of microcredit which is now spread all over the world. There are by now at least 150 million borrowers in the world today. Bu it is still very small comparing to the need. We need more microcredit organizations in the world so that more people can be reached.”

Yoga Gives Back is a 501(c)(3) nonprofit organization begun in LA, with the goal to provide a way for Western Yoga practitioners to give back to India, the birthplace of Yoga, which has given us so much. We’re heeding Dr. Yunus’ call to reach more people through expanded opportunities for and awareness of microcredit and have targeted India and Indian families, women, and would-be entrepreneurs, who would be otherwise stuck in the cycle of poverty that Dr. Yunus described. Yoga Gives Back supports microfinancing operations in India, through the Grameen Foundation, headquartered in Washington, DC. Donations go directly to Grameen Koota, Bangalore, South India and our YGB awareness campaign focuses on the real stories of how poor women are changing their lives with small loans from Grameen Koota.

Ms. Vinatha M Reddy

Grameen Koota was started by visionary teacher and philanthropist, Ms. Vinatha M Reddy (pictured, above) in 1999, who learned about Nobel Peace Recipient Dr Muhammad Yunus’ microfinancing and immediately began exploring ways of replicating his work in her hometown. In 2000, she started providing small microcredit loans, averaging $25.00 a month, to fifty local women. Today, Grameen Koota’s work is reaching out to over 280,000 women in Bangalore, Mysore and many areas of Karnataka state, in South India, making real impact on these women’s lives as well as on the local economy.

Yoga Gives Back

The Los Angeles-based Yoga Gives Back has a worldwide reach and began out of the inspiration and dedication of my Yoga mentor Joel Bender and me. Our group has suddenly started growing almost daily and our mission is shared by a quickly expanding and loving Yoga community.

When I was growing up in Japan, which is a very middle-class society, I had never experienced or seen any real poverty, especially growing up in Tokyo in 1960s and 1970s, when Japan's post-war economic miracle was taking place. Then, I had a chance to live in Brazil in the late 1970s for two years, where as a teenager, I saw the divide between poverty and wealth, the reality of the real slums, kids on the streets begging every time you stopped the car at the traffic light, all very much like India. Social injustice hit me hard.

Once I started Yoga practice and feeling my life being so enriched by it , I felt a need to use my resources to help others. I was producing a documentary on Social Entrepreneurship and learned about microfinancing. I shared this information with Joel [featured in the teacher profile in this month’s issue of LA YOGA] who had been looking for the way he could give back to India since his first visit there – so we teamed up.

When I think about the growth of Yoga Gives Back thus far, I give a lot of credit to the entrepreneurship and volunteer spirit of Americans, willing to embrace and support a new grass roots campaign like ours.

Kayoko Mitsumatsu, co-founder of Yoga Gives Back, is a documentary filmmaker whose films deal with social justice issues, including First They Killed My Father a memoir of a Cambodia’s Killing Fields’ survivor.

A Life Changing Story of Microcredit: Jayashree

Jayashree

Jayashree lives in the suburbs of Bangalore and is married and the mother of two children. We visited her at her humble dirt floor one room home for the first time in 2007. We were touched by her warm smile and most generous hospitality, serving us hot tea and cookies.

Jayashree was born into a very poor family in Bangalore. When she was a child, her family’s financial situation became so severe that she had to drop out of school and work at a garment factory. She toiled throughout her childhood and after she got married at fifteen, her meager earnings had to support her ailing in-laws. She had two children. Her husband’s rickshaw business was not enough to pay her sons’ education or secure food for the family.

In 2007, Jayashree learned from her neighbors about Grameen Koota’s microcredit program and applied for her first loan. She was granted a first loan of 7,000 rupees ($175), and immediately bought her husband’s auto rickshaw. Owning their own rickshaw business increased their income significantly.

Jayashree was able to pay back her entire loan in one year and became eligible for her second loan in 2008. Having proven her diligence, her second loan amount doubled to 15,000 rupees ($375). This time, she bought a sewing machine and started stitching bags. The family’s earnings have now tripled and she is earning 150 rupees ($3.75) a day. In addition, she opened a small shop next to her house to sell her products which is earning her an additional 100 rupees ($2.50) a day.

She is sending her elder son to a medical school. Her son dreams of becoming a doctor and thanks his mother’s business for providing his education, their own home and daily food.

To participate in a Yoga practice where the proceeds support Yoga Gives Back and directly impact the transformation of not only your own life, but that of someone in India, start your Thanksgiving week at Yogaglo, Sunday, November 22, 10:00 A.M. - 12 noon. Some of the teachers include John Sahakian, Felicia Tomasko, Alexandra Aiken and Ally Hamilton; more to be announced. Yogaglo.com; yogagivesback.com.

For more information on Yoga Gives Back or to host a Yoga Gives Back class at your own studio or location, visit: yogagivesback.org or contact yogagivesback@earthlink.net.