BA/BS Class of 2018 - One Rite of Passage Got Less Expensive

Jane Genova: Speechwriter - Ghostwriter

Affordable fees. The traditional rite of passage for college graduates landing jobs in Manhattan has been finding an apartment that doesn't eat up too much of their first-year compensation. Well, if Q4 2017 trends continue, that won't be their number-one challenge in adjusting to  post-college life in New York City. Here are the details from Bloomberg. According to StreetEasy, Manhattan rents plunged in Q4.

2018 40

Mary Meeker's 2018 Internet Presentation - Few Stunners

Jane Genova: Speechwriter - Ghostwriter

  That could finally end the era of the out-of-control expenses associated with receiving medical treatment.     For individual coaching – sliding scale fees. Annually, Mary Meeker from Kleiner Perkins presents a trends slide show about the internet.

2018 52

Shareholder Class Action Lawsuits Surging in Number, Value - For Corporations, Those Are Expensive, Can Generate Lousy PR

Jane Genova: Speechwriter - Ghostwriter

  So far, during the first half of 2018, there have been 204 and several represent mega-filings requesting the minimum of $5 billion, documents Cornerstone Research and Stanford Law School's Securities Class Action Clearinghouse. Defending this litigation is expensive.

2018 52

High Salary - Relative, Brutally So

Jane Genova: Speechwriter - Ghostwriter

Welcome to Capitalism 101 in 2018. Given the need for many businesses to compete on price, they are pressured to continually find ways to reduce expenses. Complimentary consultation, sliding scale fees. "But, I'm only making $11.10 an hour."

2018 56

What is a Business Model Canvas?

SlideModel

Finally, what are the major expenses in the model? Are they a flat fee, or are they a variable cost?

2018 71

Familiar Platitude: The Wall Street Journal Tells Us We'll Need More in Retirement Than We Had Assumed

Jane Genova: Speechwriter - Ghostwriter

Even The Wall Street Journal is defaulting to the platitude that retirement will be more expensive than we had planned for.    Actually, the conversations we are having have become downright specific on the expenses we should be most concerned about. 

2018 56

Glassdoor - Do Employee Observations Show Insight into Organization's Challenges?

Jane Genova: Speechwriter - Ghostwriter

There are the BigLaw firms still increasing their gross revenues (primarily through increasing fees billed clients). A peculiar fact is that the firm does not pay for expensive parking in downtown Pittsburgh, where its headquarters is based.

2018 52

The Law, According to Jones Day, et al.

Jane Genova: Speechwriter - Ghostwriter

Now, Elie Mystal reports on ATL : "Trump's 2020 campaign to re-elect has already spent $835,000 in legal fees in 2018." During Q1 2018, Jones Day was paid $345,000 for legal expenses.

2018 52

Cost of Living Higher than Median Income in 42 States - Mexico, Here We Come

Jane Genova: Speechwriter - Ghostwriter

The fee for service was about one-third what it would have cost me, even with dental insurance, in the U.S. Spain, where I had lived and worked in my 20s, has become relatively expensive. It's official. 

2018 56

CBS - Is It (indirectly) Ponying Up Funding for Les Moonves' Comeback?

Jane Genova: Speechwriter - Ghostwriter

Meanwhile, CBS would be paying all the Moonves' legal fees to do that. For instance, Stewart also notes that Goldman paid some of the legal fees of board member Rajat Gupta. So, Goldman hasn't pushed to have what it ponied up for legal expenses reimbursed by Gupta. 

2018 52

Gig Economy Workers/Families Between Jobs - Bypassing High Cost of Traditional Health Insurance

Jane Genova: Speechwriter - Ghostwriter

  Now, reports Bloomberg , some in America are putting together an alternate to traditional health insurance, which is expensive and involves lots of red tape.  For a fixed fee, the clients can anticipate caring and accessibility. Sliding scale fees.

2018 52

From Counterculture to The Loneliest Generation

Jane Genova: Speechwriter - Ghostwriter

  Sure, continuing to pony up the taxes for a house or condo in Connecticut is expensive. Here in eastern Ohio the public library provides PowerPoint and database training, for example, without a fee. Complimentary consultation, sliding scale fees.

2018 52

You Thought You Were So Smart Relocating to Tucson, AZ - Financial Joke on You

Jane Genova: Speechwriter - Ghostwriter

Tucson, Arizona used to be  the affordable and desirable place to relocate for retirement and various versions of downsizing expenses.   On the other hand, there are no guarantees of putting a ceiling on expenses through home ownership.

The New Aging - Medicare Doesn't Get Us Off the Hook

Jane Genova: Speechwriter - Ghostwriter

According to The Lifetime Medical Spending of Retirees report, a chronic illness could still run up out-of-pocket expenses totaling $300,000 to $600,000.     For individual coaching – sliding scale fees.

2018 52

Shift - Focus Not on Absract Business Model

Jane Genova: Speechwriter - Ghostwriter

Their stance is: Let BigLaw do what it wants, as long as it doesn't attempt to have clients absorb that increased expense of doing business.     For individual coaching – sliding scale fees. The dust is settling on the Milbank Bump.

2018 52

New Aging - "Equity Refugees" Migrate to Arizona (and some soon come to regret it)

Jane Genova: Speechwriter - Ghostwriter

Gas was also significantly less expensive. Add on: The $30 per month pet fee.   Also, registering a car is relatively expensive. And we are just moving into the second half of 2018.     For individual coaching – sliding scale fees.

2018 52

Cover Letters - Seasoned Professionals Can Prevent Getting Knocked Out of Box as "Overqualified"

Jane Genova: Speechwriter - Ghostwriter

" That's because they leverage every word in the cover letter to promote what they can accomplish for that employer - better, faster, and less expensive that the 200 or 300 others applying for that job. Sliding scale fees.

2018 56

The FIRE (Financial Independence Retire Early) Movement - And You Don't Have to Be Rich to Jump Aboard

Jane Genova: Speechwriter - Ghostwriter

For this group, working is about as relevant to their lives in 2018 as buying a two-bedroom condo on the planet Mars.   Typically, what we focus on during pre-FIRE is reducing fixed expenses. Sliding scale fees. Capitalism, at least the American version, has become binary. 

2018 52

Downward Mobility Lifestyles - Opening Up Paths to New Careers For Older Professionals

Jane Genova: Speechwriter - Ghostwriter

To have access to other kinds of work rather than law a client knows she has to relocate from the wildly expensive New York Metro area. So she is reducing expenses gradually through shopping for clothes at consignment stores and sticking with the old car. 

2018 56

Legal Sector Forced to Put Out Sign: Only Experienced Apply for Jobs

Jane Genova: Speechwriter - Ghostwriter

"  - Karen Sloan, "Summer Associates Hiring Slowed at Largest Firms," Law.com, January 26, 2018. The solid business reason is that they don't want to be ponying up the big hourly or project fee to help develop newcomers to practicing law. Affordable fees.

2018 52

Apple, Google, IBM Will Hire You W/O College Degree - Staggering Implications

Jane Genova: Speechwriter - Ghostwriter

Or, if they do, the corporation's tuition assistance program could help with the expense. This is an additional threat to many private colleges which are small, expensive, and located in rural areas. Sliding scale fees.

2018 52

Shifting Memes - What Could Become the "Next Tobacco"

Jane Genova: Speechwriter - Ghostwriter

For instance Jones Day, representing Sherwin-Williams, contends that lawyers are motivating county officials to file the lawsuits because of the contingency fees.

2018 52

Totally Expected: Media Coverage Hammers Frederick Hopkins' Lawyer Identity

Jane Genova: Speechwriter - Ghostwriter

He failed to show up for a hearing about $18,000 in wrongly collected fees. They are expensive. Frederick Hopkins, suspect in the South Carolina police massacre, has not practiced law since 1984.

Golden Gate Bridge - Why Some Are Protesting Suicide-Prevention Barrier

Jane Genova: Speechwriter - Ghostwriter

The public does not welcome assuming that expense. Sliding scale fees. Bridges are awesome - in engineering, utility, and aesthetics. But, they are also magnets for suicides. 

2018 52

New York City - Cartoonish Version of Gilded Age

Jane Genova: Speechwriter - Ghostwriter

They are trying to figure out how to put together a less expensive (the commute itself from Trumbull, Connecticut to Grand Central Station isn't cheap) and less killing way to live.     For individual coaching – sliding scale fees.

The Language of Business - "Experience" Developing Negative Connotation

Jane Genova: Speechwriter - Ghostwriter

The iconic career guide - "What Color Is Your Parachute -2018" - documents how the language of job search is in play. The game is cost-control and manpower is a major expense.     For individual coaching – sliding scale fees.

2018 52

Job Security - Don't Count on Academic Tenure

Jane Genova: Speechwriter - Ghostwriter

In Abovethelaw.com , Staci Zaretsky reports that Vermont's president and dean Thomas McHenry is focusing on reducing the expense incurred by more than a dozen tenured faculty members.     For individual coaching – sliding scale fees.

Generational Resentment: No, End-of-Life Care Isn't Big Financial Burden on U.S. Healthcare Bill

Jane Genova: Speechwriter - Ghostwriter

No wonder health insurance is so expensive for them. Especially expensive, they assume, is the enormous amount of medical care we receive as end-of-life procedures.      For individual coaching – sliding scale fees.

2018 52

STUCK! Retirement Plans, Careers On Hold (roaming around your McMansion at age 110)

Jane Genova: Speechwriter - Ghostwriter

They have packed away the dream of retiring from the rat race, relocating somewhere less expensive, and starting up a low-pressure business. Sliding scale fees.

2018 52

Why Omarosa Is Getting Under The President's Skin - A (naive) Theory by Gabriel Sherman in Vanity Fair

Jane Genova: Speechwriter - Ghostwriter

Therefore, when Omarosa went about setting up her own publicity machine at the expense of Trump he suffered the kind of wounding which can only be inflicted by a personal betrayal. Sliding scale fees. Personal betrayal. 

2018 52

The New Aging - Enrolling in Degree Programs

Jane Genova: Speechwriter - Ghostwriter

That is less expensive and requires less of a time commitment. Sliding scale fees. The combination of longevity and the need to fund living all those years is creating a new phenomenon: returning to school to pick up an academic degree, at age 50 and beyond. 

2018 52

Baby Boomers as Newbie Renters - Look Beyond Move-In Incentives

Jane Genova: Speechwriter - Ghostwriter

After all, house ownership pulls us into non-stop expenses which can't be controlled or even really anticipated. You bet, as a result, my budget might force me to move, which is an expensive and a soul-wrenching ordeal. Other out-of-pocket expenses are electric, water, and sewage.

2018 56

Andrew Altenburg - Getting Him Back to Work

Jane Genova: Speechwriter - Ghostwriter

  Re-do all job search materials to prevent the perception of being overqualified aka "too expensive."  2018" which explain how the demand for manpower has changed radically since The Great Recession and keeps changing because of digital technology.

2018 52

Winds, Water, Heat - Climate Change Setback for The New Aging

Jane Genova: Speechwriter - Ghostwriter

Of course, California has become too expensive, even for those in tech making a good living.     For individual coaching – sliding scale fees. The news the 76 million Baby Boomers and the oldest of Gen X are paying attention to is: weather.

2018 52

The Never-Retire Era - Baby Boomers/ Silent Generation Have Become Canaries in the Mine

Jane Genova: Speechwriter - Ghostwriter

"  - Kerry Hannon, "Reaping the Benefits of an Aging Work Force," The New York Times, March 2, 2018. After the old car gave out, the new one in AZ was still as expensive as the new one in NJ.  Sliding scale fees.

2018 52

Hanging In - Less Drinking at Bars/Restaurants, More Drinking at Home

Jane Genova: Speechwriter - Ghostwriter

That's mostly because drinkers are trading up to more expensive beverages.     For individual coaching – sliding scale fees. Hanging in to drink alcohol is the new cool among Millennials, as well as the majority of Americans.

2018 52

The New Aging - Of Course, We're Considering Suicide

Jane Genova: Speechwriter - Ghostwriter

It would be less of a hassle and less expensive to travel from a socially conservative state to a more progressive one for professional assistance in self deliverance than to take the long trip abroad. Sliding scale fees.

2018 52

Households Heading into Retirement - Be Prepared to Spend Average of $3,800 Monthly

Jane Genova: Speechwriter - Ghostwriter

One retiree did her due diligence on affordable living and discovered that small towns in Eastern Ohio had overall less expensive rent than in the southwest.   The other major expense for retirees is transportation, which for most still means maintaining a car.

2018 52

"Solo Agers" - They Might Not Be Worse Off than Agers with Middle Aged Children

Jane Genova: Speechwriter - Ghostwriter

CT in general is expensive. Sliding scale fees. Since much of the world is turning gray, media outlets have made it their business to cover just about every angle associated with aging.

2018 52

Government's Role in Deterring All Alcohol Consumption - Coming Regulatory, Business, Cultural Earthquake

Jane Genova: Speechwriter - Ghostwriter

In addition, organizations will likely find it necessary to create a policy that expense accounts will not cover any consumption of alcohol, not by employees and not by customers/clients.  Sliding scale fees.

2018 52

Category 6 (and 7) Hurricanes - Second Thoughts about Where to Relocate for Semi-Retirement/Retirement

Jane Genova: Speechwriter - Ghostwriter

Several coaching clients have been researching on the internet affordable coastal towns to prepare for when they sell the family home in expensive metro areas.      For individual coaching – sliding scale fees.

2018 52

None of That Tiny House Stuff Here

Jane Genova: Speechwriter - Ghostwriter

Therefore, it should be no surprise that the minimalist movement is not welcome in communities which already have the expensive houses. Sliding scale fees. Residential real estate has had its ups and downs in how it's perceived as an investment.

2018 52

Debt-Free - How 6 Women Did It & You Can Too

Jane Genova: Speechwriter - Ghostwriter

Not only was rent wildly expensive.     For individual coaching – sliding scale fees. In New York Magazine , Charlotte Cowles chronicles how 5 young women paid off student loans fast. The amounts ranged from a high of $110k to a low of $21k.

2018 52