Over-50

Rattled: COVID-19 Has Made Starbucks Change, So Should Our Businesses

The natural disaster of COVID-19 is creating more disruption for business than any man-made phenomenon such as digitalization. 

Symbolic of all that is Starbucks' shift from the hang-out, free WiFi in-store service model to take-out. 

Starbucks, of course, is big business. But those of us in small business have to also parachute into total openness about everything from strategic planning to just-in-time tactics such as discounting to close a sale. 

Templates for how that is being done are on LinkedIn Updates. Both the still-very-successful and those without work share what they are observing about business, what they are trying, and how to keep their spirits up.

From them I have gotten down cold that I have to become less rigid in how I develop new business. An example is the need to assess whether I want to invest the time in doing a detailed proposal or providing an unpaid sample of my work to land a deal. 

There's a learning curve, I have found. No, don't do a whole book proposal when the publishing firm is having a dozen auditioning. But, yes, consider how useful it will be to my experience to create innovative emails for a brandname digital agency to showcase what I can do.

Pre-coronavirus I wasn't thinking that way. But maybe I should have been. The major takeaway from the financial fallout of this virus is that we have to be ready to change - on a dime. The success formula of two-minutes ago could trigger a downward trajectory today.

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Retirement Relocation Interrupted - AZ, TX, SC Had100% Increase in COVID-19 Cases in 1 Month

The moving van probably won't be stopping by many of the high cost or weather-challenged locations. At least not for those choosing or being forced into retirement.

Those designated lower-cost/more-pleasant-weather states such as Arizona, Texas, and South Carolina have had a 100% increase in COVID-19 cases during the past month, reports Daily Mail. The elderly are at higher risk of dying if they become infected. You know that, of course.

In a sense, the options for the Next have become Retirement Relocation Interrupted. Even traveling, never mind a full-scale move, has become a life-and-death gamble. 

The candid admit COVID-19 is not manageable, not yet. That means it's up in the air when relocation for retirees and the semiretired is possible. 

How should the "stranded" cope?

Here are 4 tips:

• Create joy in your current circumstances. You don't have to have a memory of this pandemic as an unhappy time. There are plenty of people around eager to join you in optimism. Find them. Regroup from the doom and gloom crowd. 
• If the high cost of living where you are is eating into your monthly budget and financial reserves, get work. Any type. There are plenty of full-time, part-time, and contract options. They range from stocking shelves in Target to being a security guard in Goodwill. Here, free to click open, is my guide on landing, holding, and moving on to better work, no matter what Download Outwitting ageism. When I was reconfiguring my communications and coaching boutiques to telecommuting I took on three part-time jobs. Those also helped me to learn new technologies "on the company."
• Embrace minimalism. A lawyer who had been forced out of real estate into early retirement made it his business to adopt radical frugality. That has enabled him to pursue interests he put off since law school. They include music. Eventually he could turn that into a profit center.
• Develop new interests. Yes, you can start up a new kind of life at any time, anywhere. Actually, you could develop new credentials for earning income. There can be online certification for expertise in digital marketing or providing counseling to substance abusers. You can also start a an enterprise that's transportable.

COVID-19 may put your relocation on-hold. But it shouldn't do that to your life. These years are not coming back.

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COVID-19: Blindsided by Forced Retirement

There is a confluences of forces.

One is that the aging, always targeted for the ax, are finding themselves shown the door more often during COVID-19. That's just the way it is. The route could be accepting a package, being on the list for a reduction in force, harassed into resigning, or a stealth layoff, that is being terminated for supposedly performance reasons. 

The other is the fear of returning to a communal work situation in which the risk of COVID-19 is high. 

The result, observes Alicia Munnell in MarketWatch, has been a significant increase in early retirements, that is, leaving a career or long-term work situation sooner than intended.

According to the findings on the Current Population Survey, in April 2020 - only one month into COVID-19 - there had been a 7% uptick in the number of those who had been employed and suddenly fell into the retirement category. For those between 55 and 64, the percentage was less but still significant enough to get on the radar.

Overall, the feeling about this development is: blindsided.

Because of the shock, there could be a rush into pessimism.

At the top of the list is assuming that the only way to continue to make ends meet is to apply for Social Security early. Usually, that's at age 62. Long term, that means a reduction in the monthly benefit.

The reality is that being knocked out of the career box doesn't mean the end of the ability to earn income from work per se. There is always work. Here, free to download, is my bible on that Download Outwitting ageism.

That stopgap can be the bridge to a new career path. For example, an in-house lawyer, who had been a communications client, had been forced into early retirement. He spotted an ad about being a residential leasing manager. Eventually he became licensed as a real estate agent. He made the contacts to sell at the high end. 

Another bit of pessimism is the mindset that relocation to where the cost of living is lower comes with shame. Those who thrive, despite the reversal of fortune, frame that as the unique opportunity to start over again. Also, many, to their surprise, discover it is a relief to leave their former life, embedded with careerism, behind.

There is also the predictable syndrome of regret - that is, replaying the past. It consists of the If-Onlys. When I lectured at the New York State Bar Association to displaced lawyers over-50, most were replaying their earlier decisions. The pattern was the magical thinking that if they hadn't done X, Y, that is, their termination, wouldn't have happened. Sure, it's important to learn from what could have been ineffective behavior.

However, nothing will change the past. What has helped some of my coaching clients in shaking off that preoccupation with the past is studying forms of Buddhism. Several schools recommend not perceiving the past - or any entity - as good or bad. It just is.

There are plenty of resources out there to navigate this new kind of rite of passage: early retirement.

Since the 1970s, for instance, "What Color Is Your Parachute?" has been a game-changer for those who need to market themselves to land work. Its tenet is that the person who is hired or gets the account is not necessarily the most qualified. Most often the winners are those who are best at presenting themselves in the labor market.

The search for income from work is a game. That game keeps mutating. Currently, my clients who are hired use the direct approach. In all their marketing materials, ranging from the cover letter/resume to the interview, they state and back up with data what they can accomplish for that employer or prospect for their business. Essentially, the pitch is: Here is what I can do for you.

Coaching, lecturing, and writing/ghostwriting thought leadership content on human resources and careers.  

For individual coaching – sliding scale fees. Complimentary initial consultation. The special area of expertise is the displaced over-50 professional. Please contact Jane Genova janegenova374@gmail.com.

 

Relocations & Retirement - Leaving the Car Behind in The Old Life

Public transportation such as subways is perceived as risky in the time of COVID-19.

New cars are expensive. The 2021 Chevy Trailblazer runs about $19,000. According to Nerd Wallet, the payments and all the rest could set you back more than $700 a month.

Maintaining an aging vehicle is also expensive. In addition, there is the constant dread of what could go wrong. 

Meanwhile, employment uncertainty has not be worse since The Great Depression.

Visions of the Repo Man dance in too many heads.

ProPublica also documented that the majority of the over-50 will be forced out of jobs. And only one-tenth of them will land jobs which involve comparable compensation. The timing might be right to surrender to the reality that the career is over. Instead, the focus can be on picking up work in order to bring in income for semiretirement or retirement. The decision usually means lowering the overall cost of living through relocation. Trade in Long Island Sound on the Gold Coast of Connecticut for the Atlantic Ocean in Mobile, Alabama or Gulfport, Mississippi.

So, The Wall Street Journal reports that what is catching on is what might be called "the alternate mode of transportation." That includes mopeds (electric and gas), bicycles (electric and gas), tricycles (one gear and multiple gear), and electric scooters.

The alternate mode of transportation is solo and personal, indicates WSJ.

I would add that it's cheap. The latter matters more and more. What the current surge in virus cases can do to employment can be horrific. Worse could be the impact if there is a second wave. Sure, policy makers are chatting up Universal Basic Income (UBI). But, essentially that's peanuts.

To wean myself from the pricey habit of four wheels, I donated my 2010 Chevy to Kars4Kids. 

Next I purchased a trike (adult bicycle) for $400. It was one gear and got me about nine miles from my residence and back. The exercise yielded results. Stress became more manageable and my middle-aged stomach bulge receded. 

When I decided I wanted to venture beyond nine miles I purchased a 50 cc (doesn't require a special motorcycle license in Ohio) moped for $800, plus tax and fees.

Once I mastered two wheels again (in graduate school I had had a Honda 90) I put the trike up for sale on app Nextdoor. Membership on that app is free and so are for-sale notices.

Because alternate transportation is in, the tricycle went in about 15 hours, for $300. I had used it for six months. So the cost for me per month had been about $15. Cheap. In addition, there had been the five bucks I had paid a neighbor to patch a flat. Theft had been covered by my renters insurance which costs about $150. But the deductible is $500. Not very helpful, is that. 

Maintaining the moped is a bit more expensive.

Gas here in Toledo, OH is over two bucks a gallon. I use about eight gallons a week.

Insurance, including for theft, is about $150 annually. The deductible in $250.

The analogue of what Jiffy Lube does for cars runs about  70 bucks every 1,500 miles.

Also, as with cars, road service is necessary. I bought a special policy for motorcycles from AAA. I have already used it twice. Mopeds break down, just like cars. So far the repairs were covered under the warranty.

Yes, there have been theft and vandalism. The first week the mirrors were stolen. Replacing them had cost 20 bucks. In the residential complex I have since moved from, a miscreant cut into the plastic. I covered that with duct tape. Of course, it will negatively impact resale value. Mopeds are not invulnerable to the darkness in mankind. 

The anecdotal evidence is abundant that Main Street is interested in alternate transportation. With both the trike and the moped, daily at least five people stop me to ask about purchase price, maintenance costs, and personal safety. A growing issue with the moped is: gas or electric. I explain the inconvenience of electric if one doesn't reside in a progressive location such as a college town. 

Given how much I like Everything Moped, I am considering relocating to a part of the U.S. where alternate transportation has caught on and where it could be used year-round (that is, no harsh winter). Shipping a moped is expensive. I will likely sell it on Nextdoor and buy a two-wheeler with more power. That could be a 125 cc. 

With telecommuting for my business and a minimalist lifestyle I got it that a car is an unnecessary fixed cost and an emotional burden. Regarding the latter, I had been in sustained angst about how much repairs would run. 

In addition, there is Uber. Those rides cost less than half what traditional taxi service does.

Renting a car, if one price-shops, can be affordable. When I relocate I will do that for about a week while I get all my ducks in a row, as the saying goes. 

Also, alternate transportation is green.

The car is probably not dead. But the need for it is being questioned. Alternate transportation is an option those without children and retirees could find a gift that keeps giving - in cost-savings, fun, and a sense of freedom from the past.

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Career Interrupted - Shift Mindset to Earning a Living

Even before COVID-19, ProPublica documented two brutal realities.

One was that if you are 50 or older, the odds were not on your side that you would hold onto that good career job. You would be forced out. That could take the form of being presented with an early-retirement package, being laid off, or getting the ax through a termination with cause. 

And, two, there was only a 10% chance you would earn comparable compensation in your next job.

COVID-19, of course, has darkened that employment situation. 

Currently, 2.4 million between age 55 and 64 are out of work, primarily because of COVID-19. Among those 65 or older, beginning in March when the pandemic took over, the jobless rate surged from 3.7% to 15.6%.

Clearly, there is a phenomenon taking shape on a large scale: Career Interrupted. Losing a job, whatever way that occurs, could mean the end to that career for the aging.

However, that doesn't have to mean the end of being able to earn decent or even abundant income from work per se. AARP documents that twice as many of those 65 or older are working currently than had been in 1985. Their earning power can be good.

The ways they are bringing in income may not be through what had been their long-term career path. 

A replacement that is gaining traction, confirms the Ewing Marion Kauffman Foundation, is entrepreneurship. During their former careers, the aging had developed the skills and confidence to operate their own business. That could be a franchise in which the structure is there. Or it could be an enterprise from scratch.

Also, there is the exploding-in-growth field of contract assignments. Those laid-off over-60 in-house lawyers can register for contract document review work. The compensation will not be peanuts. But it won't match the full-time former salary, plus benefits.

Another option is training, including online, to be certified in a line of work that is new to the professional. That could be an Google AdWord expert or a counselor for substance abusers.

What might be a surprise to some seniors is that in states such as Arizona which are aging-friendly it's possible to pick up full-time employment, which includes benefits. The examples range from call centers to sales. There are versions which are totally work-at-home.

Given the volatility of the labor market, it might not just be the aging who have to make the mindset shift from careerism to simply earning a living. I recommend to Gen Z and their parents that's how they assess educational majors, minors, internships, and part-time jobs.

The issue is: What combination will equip members of Gen Z to start and continue to make a good living?

Careers come and careers go. Just ask journalists. In the 2017 book "Disrupted," former reporter Dan Lyons tells his story of extreme hustle, after he was knocked out of the media box. 

Across generations, the scary reality is putting together what can ensure, at least for a while, financial survival. A useful guide is the book "What Color Is Your Parachute?" Each year an updated edition comes out. Public libraries stock multiple copies. And Amazon sells them used as well as new.

The timeframe has mutated into just-in-time for making a buck.

John Walters, who's in the creative niches, advised those in the difficult field of the arts to position and package work as a kind of hitchhiking. Stick out the thumb. The wait might be tedious. But eventually someone stops and says, "Hop in." For a while, yeah, it's okay. A good living is being earned. Walters' book is "Make Trouble." That attitude seems to apply to most lines of work, not just the creative arts. 

In my late 50s, I was an early adopter of blogging. A public relations agency said, "Hop in." I earned outstanding compensation for four year. Then, it was back on the road with my thumb out. Since then, that's been the ritual, over and over again.

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Lost Everything? - It Still Might Not Be Smart to File for Personal Bankruptcy

"Federal law allows private employers to turn down a job applicant because of a past bankruptcy filing …" - Katy Stech Ferek, The Wall Street Journal, June 24, 2020.

Each year, about 800,000 individuals file for personal bankruptcy. They might feel great relief at ending the nightmare of struggling with debt - and debt collectors.

Unfortunately, some supposed experts in the helping professions such as therapists might have recommended that they take that radical step to gain control of finances.

Yeah, sure, and they may never work again.

The taboo about hiring those who had filed for bankruptcy extends beyond positions involving handling of money. Those with that on the record might not even be able to handle the French-Fry cooking equipment. 

Post-9/11, after my industry had collapsed, my nest egg had gone poof, and I struggled with clinical depression, a psychotherapist saw bankruptcy as an option. It was never explained to me that such a course of action could slam shut future doors for employment. 

Fortunately, real estate was still booming. I was blessed: I sold my house for a king's ransom which paid off 80% of debt. Without bankruptcy on my record, I could get survival jobs. Those provided income, medical health coverage, and confidence until I could launch a new enterprise. 

No surprise, banning employers from discriminating against job applicants because of a history of bankruptcy has become a focus among consumer advocates.

Talk about a Catch-22. Those file for bankruptcy because they are in a financial pickle. Then they can't find jobs because they had gone the bankruptcy route.

As is well known, many filings result from bad luck. Not financial recklessness. There had been big medical bills not covered by insurance. A job is lost at the wrong time in the wrong place. The divorce wipes out assets. 

During COVID-19, of course, the number of filings is escalating. The double whammy is that those filings probably won't be able to rent an apartment either. 

The triple whammy is that those over-50 are also encountering age bias in seeking employment. Even before COVID-19, the odds were against them.

ProPublica found that the majority of aging workers will be forced out their jobs. Many of them are professionals.

Bloomberg documented that the second wave of layoffs as a result of the pandemic is hitting white collar workers hard.

Meanwhile, The New York Times confirmed they are not landing replacement ones. Most are in "limbo."

For some it will take years for their industry as a hospitality to bounce back. For others their industry such as editorial in media may not come back. To them, bankruptcy might be seductive. That could prevent their ever working again.

Reflection: The bankruptcies filed during the pandemic could create a permanent class of The Unemployables. 

Place your paid sponsored content on this blog. Here are 6 tips for search engine optimization (SEO) in 2020. Contact janegenova374@gmail.com.

Early Retirement: The New Kind of Startup

Like so many corporations in the COVID-19 era, Ingevity had a drop in demand. 

Part of its resulting cost-cutting measures included an early retirement program.

As Law.com reports, its current general counsel Katherine Pryor Burgeson, 62, hopped aboard that version of the austerity train. She will stay on until there is a smooth transition for her successor Ryan Fisher. 

Early retirement differs from FIRE (Financial Independence, Retire Early) in that it usually doesn't represent a planned goal.

Instead, the employers offer a package. At the time it seems financial, emotional, and professional common sense to accept it.

Essentially, early retirement is becoming a new rite of passage for professionals. Just like the challenge of transitioning from a life of formal education to the work world, it can either be wrenching - or the fun of starting off all over again. 

In the latter, the mindset is entrepreneurial.

One corporate lawyer I coached who had specialized in compliance explored buying a variety of franchises. He had had with law and wanted to do something else. At age 58, he knew he could be working for two more decades.

Finally, he decided on a we-bring-it-to-you tutoring service. In the privacy of their homes the students felt no stigma about needing extra help. The fun part came from having to learn social media to promote the business in his assigned territory. The tutor he himself hired was 25 years old. 

Another lawyer, whose expertise had been real estate, returned to his first love - music. His father, a prominent lawyer, refused to pay for his education if he had majored in music.

Long-term, he intended to establish some kind of online enterprise dealing with music. In the interim, he hustled up copywriting assignments for music whatevers. On the side, he studied Buddhism and adopted a minimalism mindset. Leaving behind the materialism of his former life was an adventure for him. He boasted that his rent, including utilities, was $565 monthly. 

A third lawyer had taken a package from the state. In her mid 50s, she was all set with healthcare coverage. The pension needed to be supplemented, though. Because she assumed the Next would be easy, it proved very difficult. In coaching, we decided that she couldn't and maybe shouldn't exit the law box. She retrained for bankruptcy and does that as a contract lawyer for a small firm. 

Here, free to download, is my guide on how to break free of a comfort zone. I myself learned those fundamentals when I had been a graduate assistant for the Dale Carnegie Systems.

Later I lectured on those basics of transition at the New York State Bar Association.

Aging professionals often get stuck when they stand in their own way. The number-one reason for that is their compulsion to replicate the past, especially their previous compensation. Yet, ProPublica documented that the Next for those over-50 will only match former earnings in 10% of the cases. For the other 90%, it's necessary to embrace financial downshifting. 

Coaching, lecturing, and writing/ghostwriting thought leadership content on human resources and careers.

For individual coaching – sliding scale fees. Complimentary initial consultation. The special area of expertise is the displaced over-50 professional. Please contact Jane Genova janegenova374@gmail.com.

Parachuting Out of The 3 Regrets

The fallout from COVID-19 threw too many for a loop.

In addition to the loss of lives, the pandemic created unexpected financial emergencies. The results of those will ripple through the economy this summer. The Repo Man will be prowling neighborhoods. Homelessness can become the new normal. 

No surprise, what a survey by Bank Rate found is this: 23% of those adults surveyed regret not having created a reserve fund for just that type of emergency, reports Fox 5. After all, being stranded financially is not supposed to happen to adults. Only youth is allowed to become entwined in that kind of pickle and bounce back to be sheltered by Mom and Dad.

The two other financial regrets are not saving enough for retirement and piling on so much debt. 

The good news is that the situation is reversible.

More income can be brought in. Working two and three jobs used to be what was usual in the 1950s in the immigrant neighborhoods of Jersey City, New Jersey. Also, there was the unique entrepreneurial spirit.

Women sewed First Communion dresses in their fourth-floor walkup.

Men developed brands for fixing cars on the cheap.

And, at age 11, I had my own Wallace Brown Greeting Card franchise.

In addition, I got my first two-wheeler by selling a record number of subscriptions to the Newark Star Ledger. 

Along with increased flow of income in is socking it away in mundane safe kinds of investments. Only about for keeping a person or family afloat for three months should be socked away in the checking account. 

A third point of exit from falling off the cliff financially is the ethos of minimalism. Even families don't need that much. Having lots of things or a trophy zip code address is traded off for having peace of mind.

At the state park in Toledo, Ohio, families pile into boats. Those I speak with tell me that boat is an extended family affair. Everyone pitches in on the expense and the maintenance. That boat also constitutes "vacation." 

Incidentally, retirees usually don't investigate the low cost of living in Midwest locations such as Toledo. A small one-bedroom at Maple Creek Apartments goes for $425 to $475 monthly, plus utilities. In contrast, in Tucson, Arizona, which is assumed to be Retiree Paradise, the small one-bedroom at Vista Montana runs between $675 and $750, plus utilities. 

The Toledo world-class museum is free.

The public library system provides free tutorials for learning and free meetings of groups such as the Humanist Society.

Public transportation is ok. That means it's possible to go carless. Nerd Wallet documents that owning a car can set back a budget about $700 a month. Imagine investing that $700 in a mutual fund of municipal ponds. 

Reflection: Money is a reality that has to be managed. There need be no fear of running out of money. Wise management ensures the money is always there. 

In marketing timing is everything. Complimentary consultation on your marketing communications in COVID-19 time. janegenova374@gmail.com.

When It Was Smart to Anglicize Your Name

Anglicizing a last name used to be an economic survival move. 

Back in the early 1950s, on the Hudson County, New Jersey docks, my maternal uncle Frank Miksza did just that.

It wasn't until I read my grandfather's obituary in the Jersey Journal that I found out that Uncle Frankie was going by the name Frank Mitchell. And, at the time, Mitchell was a big boss on the docks, overseeing many who were unloading ships. 

That was then.

Now, as the Daily Mail reports, the statement a professor at Laney College, Oakland, California, made to a student from Viet Nam about anglicizing her name resulted in his suspension. The professor is Matthew Hubbard. The student is Phuc Bui Diem Nguyen. 

Incidentally, the Daily Mail headline got it wrong. It indicates the Hubbard demanded the change. Rather, in an email he phrased it as "Could you …" 

His was a recommendation. It was based on a reality of language. When pronounced, the name sounded like that of an American English expletive. Could that have damaged her personal brand? Maybe.

The student took offense. Unfortunately, the professor persisted. He should have stopped there. She responded to Hubbard that she was going to file a Title IX complaint. 

Right now, Hubbard is on suspension.

In the play "Romeo and Juliet" by William Shakespeare, there is that iconic line: "What's in a name?"

Well, in reality, plenty. Obviously, it's a hot button in 2020.

To me, in 2001, after my industry collapsed after 9/11, it was a shot at a comeback.

Back then, I took a page from my uncle's playbook. I changed my first name from the very Catholic, very ethnic, way too cute "Mary Jane" to "Jane." On that platform, I found it easier to build a new business. I have no way of knowing, of course, how much the name change did or did not have to do with my eventual new success.

Yes, the shift was small or it seemed small to me. Yet, lots of folks pushed back. They insisted I had no "right" to inconvenience the world by forcing them to adapt to my new identity. Ironically, one relative on the maternal side persisted in calling me "Mary Jane." 

Reflection: Name changing carries plenty of economic, political, and social baggage. Beware.

Place your paid sponsored content on this blog. Here are 6 tips for search engine optimization (SEO) in 2020. Contact janegenova374@gmail.com.

Losing Confidence that Your Job Will Come Back? - You Have Plenty of Company

The dismal plight of the aging worker has been documented by ProPublica. There is more than a 50% chance you will be forced out of your job and a 10% chance you will ever earn comparable compensation, if you land another position.

Now, COVID-19 has deepened your employment misery. Like so many other unemployed you could be losing confidence that your former way of making a living will return. That, found the LinkedIn Workforce Confidence Index, is especially the situation in these sectors:

Public Administration

Design

Nonprofit

Retail

Entertainment.

What those stranded in a changing labor market are tending to do is reskill. They are finding low-cost ways to retrain and perhaps be certified for where demand is. Those are available through online instruction and at community colleges. 

In addition, what I advise, is picking up survival jobs while pivoting to a new line of work. There are survival jobs. They range from being a call center operator (including from home) to a security guard for an apartment complex.

Here, free to click open, is my guide how to keep earning income, no matter what your age Download Outwitting ageism.

When I was 58 years old, my industry collapsed. I re-trained. That was marketable until I was in my early 60s. Then I had to retrain again. In addition, to downsize fixed expenses I relocated to where the cost of living was lower than in the New York Metro area.

Coaching, lecturing, and writing/ghostwriting thought leadership content on human resources and careers.

For individual coaching – sliding scale fees. Complimentary initial consultation. The special area of expertise is the displaced over-50 professional. Please contact Jane Genova janegenova374@gmail.com.