Over-50

Stock-Heavy Portfolio? - Right Now, That Could Mean Putting Off Retirement (maybe for a long time)

Trusted economy-watcher Robert Shiller is pessimistic about equities. MarketWatch reports that he isn't ruling out a stock market crash right up there in devastation with 1929 and 1987.

What he recommends is rebalancing the investment portfolio to have less stock. The question, given this afternoon's 800-point plunge, is: Is it too late to pull out? Should the stocks be left untouched and you hope that in time they will bounce back in price, just as they did before?

The problem there is that those near retirement can't hold on that long. Either you will have to put off retirement or get in the market fast, sell your stocks and leave the gains in cash.

This is a scary time for those over-50. COVID-19 has given employers an excuse to terminate those high-compensation older workers. And, as ProPublica documents, the odds of landing another job at that same compensation is one in 10.

But, the good news is this: You can continue to earn income. Here, a free read, is my bible on how to land, hold and move on to better work Download Outwitting ageism. It's becoming commonplace to remain in the world of work until your 80s.

Meanwhile, start downsizing both fixed expenses and discretionary purchases. It's no longer unthinkable to ditch the car. As Nerd Wallet reports, the monthly nut for that could be $878. Also, rooms can be rented out. Used whatever can be sold online. For most items, Craigslist and NextDoor have no fee. Shop for clothes and furniture at Goodwill and the Salvation Army. There may never be a need to buy "new" again.

In 2003, after I lost my nest egg, business and mind, I took a vow of poverty. Today, they call that "minimalism." Here is the beginning of that story. During the next 17 years I got rid of debt, started several successful businesses and got my mind back. To me the most important gain from that ordeal is that I can "afford" to choose my clients. There is no financial pressure to accept every assignment offered. In September 2019, I ditched the car.

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Your Retirement Date Might Be Pushed Up to 61 or 62

"Most retirees said they quit working for reasons outside their control, such as a surprise job loss or health issues." - Russ Wiles, Arizona Republic, October 19, 2020.  

The fallout from COVID-19 has increased the odds that you will be forced into early retirement. The confluence of rampant ageism per se and the pandemic-generated job losses has lowered the retirement age to about 61 or 62. 

That means that if you are still employed you have to prepare emotionally, socially and financially for exiting your career.

If you are already unemployed you have to embrace the reality that your career is probably over. Sure, you can find work, maybe even in your own field. But the big money, status and brand identity are probably over.

There are two big pieces to this reality.

One is the difficulty of wrapping your head about this ending. In America, we are our careers. Give yourself time to grieve and to let go. Yes, be gentle with yourself. A useful read is executive coach Henry Cloud's "Necessary Endings." He doesn't underestimate what a brutal rite of passage transition can be.

The second is the money part. Reducing fixed costs and pulling back on discretionary spending usually are not enough. The odds are you will still have to bring in income. Here, a free read, is my book on landing, holding and moving on to better work, no matter your age or what's happening in the economy Download Outwitting ageism.

It's magical thinking to wait for some government entity or nonprofit to parachute in and "save" you from the challenges of redefining yourself and your lifestyle post-60. Essentially the burden is on you to put together a fresh platform for your identity and earning power.

The Future of Work. Ghostwriting on those issues and coaching for job search, transition, personal branding, re-entry after recovery and reputation restoration. Sliding scale fees. Complimentary consultation (janegenova374@gmail.com)

3 Critical Lessons for All Businesses and All Professionals

With a gentle tone (rare for that media outlet), Abovethelaw provides the statistical highlights of the downward trajectory of Hughes Hubbard & Reed.

Over the past five years or so, for example, PPP has nosedived from $2.145 million to $1.141 million. Lawyer headcount is down by 80.

Between the lines are key lessons for all businesses.

Among those lessons are:

Don't only pitch for The Big. Among its major clients had been Merck during the VIOXX litigation. Then, that run of litigation is over.

If the pipeline is empty of other BigCases, the firm could begin to wobble financially. If the stink of that is picked up, there will no new business. Partners will head out. Laterals can't be poached.

Lesson: Go after bread-and-butter business, even if it's relatively small and not high profile. Often those clients/customers will bring in larger projects. 

Diversify practice areas. There seemed to be too much expectation of revenue from product liability. In contrast, Paul, Weiss have nurtured a long list of practices in both transactional and litigation.

Lesson: Y0u must hedge. Everything changes. 

Have a sense of urgency. When there are even subtle signals of trouble, focus in. Then quickly execute the proposed incremental change or overhaul.

Management consultants Tom Peters and Robert Waterman Jr. hammered the need for rapid response in their iconic book "In Search of Excellence." In the early 1980s, the book became the bible for Corporate America. At the time it was facing, for the first time, formidable international competition. 

Lesson: Unlike what Mr. Rogers told you, you are not special. Neither is the firm you created. Anticipate trouble. 

The tragic flaws law firms develop (or are born with) mirror the demons within human beings. The latter experience a reversal of fortune for exactly the same reasons. Those range from only willing to play in the elite sandboxes to magical thinking that things will get better, on their own.

The Future of Work. Ghostwriting on those issues and coaching for job search, transition, personal branding, re-entry after recovery and reputation restoration. Sliding scale fees. Complimentary consultation (janegenova374@gmail.com)

No, You Don't Have to Pony Up $32,768 to Get Around (but, will you be safe on your trike, bike, scooter, moped, motorcycle)

Roads across America didn't always belong to cars.

Remember the horses. 

But, now the assumption seems to be that cars "own" the roads, even the ones winding along Main Street. Not just those super highways. That could factor into the reasons why there had been 3 fatal motorcycle accidents in Toledo, Ohio. That was in 1 week.

In addition to motorcycles there are more and more scooters, e-bikes, traditional bikes, trikes (3-wheel adult bike) and mopeds struggling to share the road. That's being called "micromobility."

Deloitte is among those which are bullish on this personal transportation small-is-beautiful concept for urban areas.

A whole rack full of bicycles doesn't take the space for 1 parked car.

Micromobility is green.

And, it's within the budget of all generations, especially the over-65. At Wersell's Bike Shop in Toledo, those 3-wheel trikes start at about $400. Peanuts compared to a 2020 Ford Explorer which starts at $32,765. Also, factor in the lower insurance rate. 

The wrench in the works is the safety issue. Not only motorcycle riders are vulnerable to accidents. Each year, for example, almost 800 bicyclists die.

The challenge for those in the regulatory loop is figuring out how to socialize both those in cars and those using alternate personal transportation about sharing the road. Given the economic pall hovering over America and the havoc caused by climate change, the next First Lady might make Micromobility her cause. 

Full Disclosure: Recently, I have owned a trike, traditional bicycle and a moped. But not all at once. To sock away more for semiretirement, I made the decision to go car-free.

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Ok, Boomers - Corporate, Female, Childless Had Less Stress But Extreme Social Pressure

"The events of 2020 have turned workplaces upside down. Companies risk losing women at all levels of management—but they also have an opportunity to build a better workplace." - From "Women in the Workplace 2020," a study by McKinsey and LeanIn.org.

Day after day, more and more women are leaving the workforce, documents The Boston Globe. Or, as The Wall Street Journal reports mothers are cutting back on their availability and hours in ways that will limit their career paths, probably permanently. 

The McKinsey/LeanIn research provides statistics showcasing that what might have been thought of as the "Motherhood Penalty" is growing exponentially in COVID-19 time. For instance, 20% are considering leaving the workforce and 15% are toying with downsizing the intensity of their professional life.

The reasons are obvious to anyone following the media. Most children are still at home instead of in-person at school. They are learning virtually. Because of social distancing other activities are curtailed. There's not likely to be a chance for mom and the kids to get out of the house and pile into the cinema for a Disney movie.

There is also the issue of those children, including infants, being overheard on conference calls and Zoom meetings. The cute factor got old fast. Business was always a matter demanding total concentration. That's only increased because of the economic fallout from COVID-19. Some females contend they were terminated because of that background noise.

Although I don't have children, their all-day playing activities outside my apartment window drifted into the phone. Clients didn't like it. It was challenging to concentrate. 

The property manager at Maple Creek Apartments, Toledo, Ohio, couldn't do much about it. The best was to ask the children to stay away from the window. But, no newsflash, they drifted right back. Screaming.

You bet, I "had to move" to where the outside didn't penetrate the windows and walls. That was expensive and disruptive. Also, I don't know if it had been because I continually requested some children at Maple Creek Apartments (they were grandchildren who didn't even live there) to modulate their voices and made enemies in the process - but my vehicle was vandalized. There's a time to hold. And a time to fold. I folded.

In addition to the children-not home alone reality, most employers and clients are demanding more. According to the McKinsey/LeanIn research, 10% of even childless women and men might step away from the workforce because of burnout. One of my clients is on the fence about early retirement. "I don't want to work," he first said. Then, he added, "I don't know if I can work.

The "Motherhood Penalty" is, of course, not new.

When women with academic degrees from high-powered schools first entered Corporate America, the message was clear: Women without caretaking obligations preferred. No surprise, I was hired for just about every position I applied for. A plus was that I was (and am) single, therefore the only source of income. Capitalism loves that.

On the other hand, mothers, even those not focused on upward mobility, usually went through the wringer. At an auto corporation, a contract worker who obtained permission for a special schedule (she had a disabled child) felt the tension when she left at 4 P.M. versus doing face time until 9 P.M. Yes, she was a contract worker, not permanent full-time with benefits. The Protestant Ethic spares no one.

Also, of course, internally in organizations and through outside think tanks, women's associations and the legal system there have been initiatives to reduce and eventually eliminate the "Motherhood Penalty." The McKinsey/LeanIn study proposes solutions.

Meanwhile, a significant number of women are pulling back from becoming pregnant. Too many workplace settings have become unforgiving of childcare demands. Brookings predicts a baby bust next year. There could be 300,000 to 500,000 fewer births. 

There also could be surge of lawsuits triggered by terminations which women claim were related to their being mothers. Some of those could propose to be class-action complaints. Law firms such Sanford Heisler will likely be very busy as result of this and other kinds of employment litigation associated with COVID-19.

But, litigation is a slow-moving process. By time there is a settlement or jury verdict, those families might have had to file bankruptcy. The more probable scenario is unwelcome compromise. That might take the form of accepting  a job or gig-economy arrangement that pays less, has little professional runway and carries no status.

The brutal reality was and continues to be that women who choose motherhood are in for extra layers of extreme stress.

The exceptions are those with sophisticated, reliable daycare.

One of my clients in Greenwich, Connecticut had a nanny for each of the three children.

Another in Westchester County, New York had a sleep-in nanny. That ensured she could almost be guaranteed uninterrupted sleep every night. 

In contrast, a neighbor who has a full-time job and who has recently been granted custody of her two young grandchildren looks mighty frazzled.

Reflection: The irony is that the childless among us, for decades, were treated in general society as second-class citizens. Never was it factored in that some of us got it that we couldn't handle both a profession and a two-footer family. My family life has consisted of four-footer rescues.

The work world has become unforgiving. You may be among those who have to reimagine your career. Affordable coaching.  Make an appointment for complimentary consultation (janegenova374@gmail.com)

The 4 Aspects of Retirement You're Most Worried About - 4 Hedges

A favorite of media is the extreme angst among retirees and those heading to the end of their career. 

Forbes narrows that to 4 issues:

Outliving yours financial resources

Gains from investments won't produce as much as expected. The volatility in the market during COVID-19 multiplied that terror exponentially. Will there be another market crash analogous to what triggered The Great Depression?

Rising cost of medical care. Medicare and the Medicare supplements don't cover everything. For long-term care, you and your spouse are on your own.

Death of the spouse. Could that plunge you below the poverty level?

Of course, the traditional thing to do is to provide solutions. That Forbes does. However, essentially they are platitudes. For example, the recommendation is to hire a financial planner. Certainly that has merit. But a financial planner can't rescue you or the nation from wildly inflating medical costs. The same applies to the wild ride the stock market has been on. 

The reality is that you have to create your own hedges.

At the top of the list is to keep working until you can't because of bad health. Here, free to read, is my book on how to land, hold and move on to better work, no matter what year in which you were born  Download Outwitting ageism. 

Another hedge is to assume you will have a very long life. That can motivate you to radical frugality or minimalism. No matter how much income exists, there is no reason why you should be spending much of it. In his family memoir "Making Toast," Roger Rosenblatt hammers how little you need when older. Enough becomes more than enough.

A third hedge is to expand interests. That in itself can insulate losses such as of a spouse, close friends and pets. Also, it can distract from the preoccupation with money. Here is my book, also a free read, on how to exit your comfort zones.

There's a big world out there and participating doesn't necessarily have to cost you a penny. Examples range from activist organizations to courses provided free by local organizations such as the public library. 

The fourth is to make it your personal mission to grab onto joy. The world of financial planners seemed filled with joy-snatchers. Joy will open you to your own unique strategies and tactics for managing money. Doom and gloom will lock you inside yourself. 

Small changes can have big impacts. Results-driven career coaching.  Affordable rates (sliding scale).  Make an appointment for complimentary consultation (janegenova374@gmail.com) Download UnleashingPossibilitywithJaneGenovaCareerCoaching

 

Aging and Magical Thinking - 4 Steps to Parachute into Reality (and independence)

A shocker, at least for America, the global headquarters for capitalism or rugged individualism.

The Transamerica Center for Retirement Studies found this: 

48% of women

56% of men 

who were surveyed indicated that they were depending on family and friends for what they needed as they aged. That ranges from money to the warm and fuzzies. 

Add onto that long-term care. According to the U.S. Department of Health and Human Services, 70% of you over-65 will require some long-term care. 

The brutal term to apply to that expectation of sustained assistance from family and friends is "naive." Kinder language is "magical thinking."

The reality is that, for example, those family members will primarily be your children. They are already part of the squeezed (for time and money) and stressed Sandwich Generation. Sure, they may be pitching in a little now to fill the gaps in services you need. But as your needs grow, so could their reluctance to be all-in.

I bore witness to that kind of distancing at subsidized residential complex for those of a certain age and the disabled - Bella Vista, New Haven, Connecticut. As the residents deteriorated in mental and/or physical health over the years what was palpable was this: exhaustion on the faces and in the body language of the sandwich generation. They were preoccupied with dealing with their own children, their jobs and any emerging health problems.

As for friends, come on, they are experiencing much the same challenges you are. One day, they will tell you that they just can't do it. They can't drive you to the doctor's appointment or listen to your regrets about this or that. 

The good news is that there are proven ways to establish independence as you age - financial, emotional and social. Here are the 4 steps. 

That begins with letting go of the mindset that traditional networks will keep you going. Or, that you should be loyal to them. Instead, you probably have to purge much of the past - the assumptions, people, places and things which are preventing you from being able to be as independent as possible. A useful read on that is Henry Cloud's "Necessary Endings." 

Next, the money part, even for the disabled aging, can be manageable. There are jobs, for example, which can be done from home. Even the interviewing is done completely online. Here, free to read, is my book on how to land, hold and move on to better work Download Outwitting ageism. 

Simultaneously, you can embrace minimalism or radical frugality. In "Making Toast," a family memoir, Roger Rosenblatt observes how little we need as we age. It's even possible to sock away money for investing from a monthly Social Security check. The two most effective ways to downsize fixed costs are those associated with housing and transportation. After you tackle that, take an audit of what you are spending on eating and beverages. 

Three, the emotional part is to accept the reality that life is essentially an existential tragedy. Suffering is a part of the deal. 

No, it isn't the Disney ethos put in-place after the horrors of World War II. The human condition is rooted in pain. At the very least, those we love, be it our parents or our pets, die. The way to navigate that is to identify what can bring you satisfaction and even joy, amid the heartache. That's an inside job.

Think about this: Aging is a rite of passage, much like graduating from college. You have to take the leap into a whole new dimension. Otherwise you get stuck or frozen in place.

And, four, socially, there are plenty of touch points, ranging from senior citizen centers to 12-step programs to spiritual/religious organizations. Shop around for those that are a fit. For example, the Secular Humanists of Western Lake Erie, based in Toledo, Ohio, hosts free lectures and discussions by experts. The group is also social. 

In career coaching those who have lost big jobs, what I frequently encounter is their disbelief that they, long-term winners, could bump up against such a reversal of fortune.

When I ask them what stories they are telling themselves about their current situation, their answer is usually full of self-blame. The prerequisite for spotting future opportunity and seizing it is to adopt a narrative of self-love. The greats, ranging from Abraham Lincoln to Steve Jobs to Ruth Bader Ginsburg all had their dark times. But, they could transcend what was - as well as themselves. 

Small changes can have big impacts. Results-driven career coaching.  Affordable rates (sliding scale).  Make an appointment for complimentary consultation (janegenova374@gmail.com) Download UnleashingPossibilitywithJaneGenovaCareerCoaching

 

Call It "Aging Out" - Embracing (unfair) Work Realities

The term "aging out" had been used primarily to refer to the system of foster care.

Young people in it lost their means of support, ranging from funding to caring, once they reached a certain age.

Now, with ageism dominating the labor market in general and in so many industries, "aging out" can be applied to the brutal reality of losing your job, business and/or brand identity.

No, not everyone over-50 ages out. Warren Buffett and Clint Eastwood are still going strong.

But the dynamic is increasingly common in a world of escalating competition. The bottom line is that more and more employers don't want to or can't afford to pay for your expensive seasoned competence. They can recruit a member of Generation Z and train him or her to do your job for a fourth of your compensation. 

If  you sense you are aging out, the situation is binary.

You can attempt to fight it, retooling yourself with a fresh look, additional skills and an enhanced network of contacts. That may be successful. For a while. Then, you could wind up in that age-bias pickle again. 

Or, from the get-go, you can begin to reinvent yourself for settings that are less age-biased. And continue to do that. The world keeps changing. The labor market keeps changing. Technology keeps changing. You keep changing. 

The classic examples of where typically professionals age out at a relatively young age include geographical locations like Manhattan and Silicon Valley and industries such as fashion and advertising.

About the latter, in the current disruption of all fields, Don Draper from "Mad Men" would probably find himself unemployed, despite his talent. He might have had to engage in a career transition.

If you decide you are aging out, here are 4 must-dos for how to continue to earn income from jobs/gig assignments or operating our own businesses.

• Calculate how bad it is and how bad it could get. You might be only experiencing mild age bias. You do a Zoom to Manhattan organizations to pitch for business for your marketing communications boutique. Instead of closing 60% of the time, that has gone down to 40%. You have wiggle room. But, if the close rate is zero and jaws drop when the other parties hop on Zoom, you have to accept the inevitable.

 

• Evaluate the factors involved in your aging out. The major one could simply be the location. You can stop targeting Manhattan and/or you can relocate from that area to where age bias is less such as parts of Arizona. Or, it could be your specialization. Digital marketing communications might be mutating too quickly in technology, tone and content for you. It could be time to develop another specialty within that industry or do a broad career change.

 

• Beware not to stretch yourself too much. Career transitions are difficult and they have no guarantee of panning out. Narrowly define your skills and experience and how/where you can leverage them. The displaced Don Draper type has a better shot at success becoming certified in Google AdWords than picking up an Associate degree for tech jobs in manufacturing.

 

• Have no expectations. Even under ideal conditions most ventures don't succeed. Enter the situation with the mindset of a researcher experimenting with a way to make a living. If things don't seem promising, head for the exits. Move to Plan B, then Plan C. In addition, in this new world order, you have to give up the longing "to get comfortable." Here is my guide on how to flee a comfort zone. 

Meanwhile, you have to make ends meet. The good news is that there is no shortage of survival jobs, gig assignments and adjustments to make in self-employment. Here, free to read, is my book on that Download Outwitting ageism.

The game plan for the majority of the over-50 is shift from a careerism mindset to maximizing the ability to get, hold and move on to better work.

In itself that eliminates the pain of loss, that is, of title, status, influence and even high earning power. A useful book to ponder is Henry Cloud's "Necessary Endings."

The BigCareer may be winding down. But you can always make a buck. The challenge is: Letting go of the past, especially former success. That was then.

Small changes can have big impacts. Results-driven career coaching.  Affordable rates (sliding scale).  Make an appointment for complimentary consultation (janegenova374@gmail.com) Download UnleashingPossibilitywithJaneGenovaCareerCoaching

 

 

Pay Cuts: They Can Be Part of a Smart Gameplan

Everything has changed.

At one time in professional life, it was verboten to take a pay cut. That would, went the expert thinking, lower compensation for the rest of the career.

Now, with the career game (and just the reality of working for a living) so volatile, compensation patterns often have mutated into funny money games. 

On LinkedIn, the observation is that, if you know how to negotiate, you will get the compensation "you deserve." That language dates back to the boom times of the 20th century. "You deserve" was embedded in the heady rhetoric. 

That was then.

The current reality is that a pay cut might be a useful and perhaps necessary tactic to getting from where you are to where you figure you can be. Maintain a philosophy of possibility.

For example, consider the 10% of associates laid off at Winston & Strawn. If they want to continue playing in the practicing-law sandbox some of them may have to accept a pay cut. For now.

Once they embrace new kinds of gameplans for their career they eventually can move on to even more compensation than they earned at an elite law firm. After all, law firms tend to be structured for limited opportunity for most of the employees.

Another reality to factor in is age. ProPublica documented that for the over-50 who lose jobs, there is only a 10% chance of ever again earning a comparable salary. 

And, there is the old adage: Nothing gets you a job like a job. Temporarily working for less gives access to later working for more.

Sure, negotiation is always part of compensation dynamics. Here are the basics:

• Recognize when you are in a position of strength and not. If the latter, you might blow the chance of being offered work if you get "cute" about the numbers presented to you.

• Do research. What are the going salaries in that industry and that company? Discreetly ask those on your networks for information. Often, you should consider compensation at the midpoint, indicating you anticipate a boost when you achieve results for the employer.

• Present a brief but persuasive justification of the number you put out there. That should represent a balance of what you have already accomplished for other employers and what you propose you will get done for this one.

• Be willing to compromise.

• Maintain a friendly tone throughout process.

• Be emotionally and financially able to walk away. It's a big world out there, even during recessionary times. Survival jobs rarely carry stigma any more. In fact, the smart crowd often perceives grabbing those as a way for work skills not to atrophy. Working is always better than not working.

• Wish the other parties well when you do exit that loop and move on to another possibility.

Short anecdote. A 62-year-old lawyer I coached went through a series of interim survival jobs, including bartending and transporting medical materials to labs. That did not impede her ability to land long-lasting projects in the legalities of real estate, collections and bankruptcy. 

Up your game through career coaching. Small changes can have big results. Affordable rates (sliding scale).  Make an appointment for complimentary consultation (janegenova374@gmail.com) Download UnleashingPossibilitywithJaneGenovaCareerCoaching

You Retired/Now You Can't Make Ends Meet - How to Get Back Working

That brutal Ah-Ha Moment comes: You can no longer "afford" not to work. Retirement just didn't fit in with your financial resources.

Well, you have lots of company in getting it that you have to return to work. Maybe not a career per se. Maybe or maybe not full-time. But return to work it has to be.

The official term for that growing trend is "Reverse Retirement." According to the Federal Reserve, about one-third of the retired return to earning income by working. 

As a career coach, I have been guiding the former retired on the "how" of boomeranging back to being a worker. Or opening a small business. Here, free to read, is the bible on that Download Outwittingageism. And here, also free, is the book on breaking free of the comfort zones that prevent you from adjusting to being part of the workforce again. 

Actually, there is really only one thing to know. And that's this: The person who is hired is the person who is the best at searching for work, not necessarily the most qualified one. There is an art to presenting yourself for paid work. In "What Color Is Your Parachute?" that's the point hammered over and over again. To survive financially in the 21st century you have to get really good at searching for work. Not just you but everyone who needs income will be doing a lot of hunting for work. Jobs last a shorter time. More and more work is cut up into temporary projects. 

Sure, because you haven't been applying for work for a while, you probably are rusty right now. But that doesn't have to be for long. Not if you approach the hunt as needed experience on the learning curve. Every no-response and every rejection you position and package as gifts from the universe. They provide free data to analyze about what you could have done better or didn't do. In the process, you'll be retrieving information from the internet, books and coaches such as myself about what are the current best practices in finding openings and pitching yourself on paper and through interviews. 

Usually small changes bring big results. The classic example is that you shift your mindset from what you assume you should be paid for a certain job or gig assignment to what is the going rate. In many fields there has been wage deflation. That embrace of reality will have a huge impact on how you present yourself. You bet, your attitude has shifted. Small item. Big positive outcome.

The answers about your professional life are inside you. You will learn through coaching how to open yourself up to them. And get unstuck. Soon enough you will be your own coach. Affordable rates (sliding scale). Make an appointment for complimentary consultation (janegenova374@gmail.com) Download UnleashingPossibilitywithJaneGenovaCareerCoaching