Millennials - Financial Reality Bites, Which Is Bad News for Economy

Jane Genova: Speechwriter - Ghostwriter

That's the grim financial reality announced by Young Invincibles.   Sure, the March 2018 showed an uptick in wages but the whole thing is still pretty dismal.  Sliding scale fees. The net worth of those 25 to 34, with college degrees, is a minus $1,900.

2018 52

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

Jane Genova: Speechwriter - Ghostwriter

  Retirees and the semi-retired who pulled up roots in the Northeast or West Coast for the low-cost lifestyle in Tucson now find themselves in a financial pickle. Complimentary consultation, sliding scale fees.

WeWork - Cool Startup Brand, But Shaky Financials

Jane Genova: Speechwriter - Ghostwriter

But the financial side of the office-sharing concept is less rosy. Sliding scale fees. Instead of professionals such as lawyers and copywriters being isolated operating from home or renting expensive offices, they can be part of the WeWork community. That startup, whose branding is total cool, provides affordable leased space which pulls worker bees out of the aloneness. Cross-pollination of ideas happens. And, the possibility of networking is always there.

"Retirement" - Term Fading from Financial, Cultural, and Social Use

Jane Genova: Speechwriter - Ghostwriter

Sliding scale fees. The emerging signature of the Baby Boomer generation is:  Never Retire.    Increasingly, how that 76 million born as the war to end all wars was wrapping up are pulling it off is through startups.

2018 52

Superheroes - Their Time Has Passed As Americans Struggle with Financial Reality

Jane Genova: Speechwriter - Ghostwriter

The reality throughout America is that, in professional life, so many of the superheroes have been reduced to a state of financial struggle. Sliding scale fees. Even James Cameron, who perfected the superhero film formula, has become weary of that genre.

2018 56

The New Aging - Media, Financial Services Industry, et al. Having Fun Scaring Us

Jane Genova: Speechwriter - Ghostwriter

A global financial downturn, worse than that of The Great Depression, can wipe out the value of even the best managed portfolio. But, it's downright goofy to assume that smart planning will remove all the financial bumps associated with such a long lifespan.

2018 52

The Whole Thing Could Come Down - Baby Boomers Get Used to Financial Crashes

Jane Genova: Speechwriter - Ghostwriter

A sign of these volatile times in investing, my financial planner called me today. And, a sign we Baby Boomers are getting used to financial crashes (there were several since 1987), I hadn't called him first. After that, there's a sliding scale fee schedule.).

2018 52

"Retirement" - Has That Been Story Line Positioned and Packaged by Financial Services Industry?

Jane Genova: Speechwriter - Ghostwriter

"  - Jessica Dickler, CNBC, March 6, 2018. So, financial experts project that what has been traditionally known as "retirement" has become a fantasy. Sliding scale fees.

2018 52

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

Jane Genova: Speechwriter - Ghostwriter

    For individual coaching – sliding scale fees. The resentments among generations may be more intense than those among the 1% and ordinary people.

2018 52

What is a Business Model Canvas?

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This should include every step of the process it takes to make the financial transaction possible. Are they a flat fee, or are they a variable cost?

2018 71

The Level Playing Field for Downward Mobility

Jane Genova: Speechwriter - Ghostwriter

Or 2018 ends. Left to their own financial devices, their children are thriving.  Complimentary consultation, sliding scale fees. It's 9:36 A.M. New York Time. The Dow is down almost 300 points. 

Want to Do a FIRE (Financial Independence/Retire Early)? Stop Eating Out

Jane Genova: Speechwriter - Ghostwriter

  Why you will decide to halt the luxury of dining in a real restaurant where you are served and pay a tip is that you have opted to do a FIRE, that is, Financial Independence, Retire Early.  At the end of 2018 I was able to semi-retire. You will get push-back on this one.

2019 56

DOW Putting Coal in Retirees' Stockings

Jane Genova: Speechwriter - Ghostwriter

The long-running bull stock market had given them a lot more than financial security in their retirement. They had plenty of financial wiggle room to even take exotic vacations to locations such as the jungles of Africa and frozen-in-time villages in China.

2018 56

FIRE - Of Course, It Can Go Horribly Wrong

Jane Genova: Speechwriter - Ghostwriter

Many traditionalists are against FIRE - Financial Independence, Retire Early. Complimentary consultation, sliding scale fees. They assume that those embracing this lifestyle will run out of money. Their hero is Suze Orman who advocates that $5 million is needed before FIRE is possible. 

2018 56

Over-50: Before You Lose Everything in Next Recession

Jane Genova: Speechwriter - Ghostwriter

The good news, explains financial expert Jonathan Clements in MarketWatch , is that you have 12 months to prepare to lose your job.   None of his suggestions for getting yourself in the right financial shape before the ax falls are new. Let's face it.

2018 56

Recession, Of Course - Lots More Accidental Retirements

Jane Genova: Speechwriter - Ghostwriter

Most Americans haven't bounced back financially from the 2008 downturn.  chief financial officers expect one by the end of 2019 and 80% by the end of 2020.  Complimentary consultation, sliding scale fees.

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).   Of course, the world of legal media will check out K&L Gates' financial performance for 2018. Some assume that the legal sector has bifurcated.

2018 52

10:59 A.M ET - Dow Down 322.48

Jane Genova: Speechwriter - Ghostwriter

The heck with the macro issues, at least for those of us who aren't economists, politicos, and financial media. to live without financial dread. Complimentary consultation, sliding scale fees. At the time of this writing, the Dow continues to plunge downward. 

2018 56

Dow Recovers - But Shaken Aging Admit "It's Getting Serious"

Jane Genova: Speechwriter - Ghostwriter

Should they talk to their financial planners about preserving the portfolio's principal and brace themselves for retirement? Even a thousand dollars of added income could siphon off the growing financial angst. Complimentary consultation, sliding scale fees.

2018 52

The New Aging - BANKRUPTCY!

Jane Genova: Speechwriter - Ghostwriter

"The rate of people 65 and older filing for bankruptcy is three times what it was in 1991 …"  - Tara Siegel Bernard, The New York Times, August 5, 2018. version of capitalism, filing for bankruptcy represents the opportunity for a new financial start.

2018 52

Dow Down Almost 230, Economic Pessimism Highest Since 2013 - We Aging May Never Come Back

Jane Genova: Speechwriter - Ghostwriter

Financial peace of mind is everything.  You can provide transportation to X for a premium fee.  They can have their parcels delivered to where you are, for a fee you charge.      For individual coaching – sliding scale fees. Oh, no.

2018 56

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

Jane Genova: Speechwriter - Ghostwriter

It's become financial common sense that there are too many variables involved in funding retirement to assume we can assume anything. Complimentary consultation, sliding scale fees.

2018 56

A Penny For Your Thoughts, Retirees - GE Cuts Dividend from 12-Cents a Share

Jane Genova: Speechwriter - Ghostwriter

Retirees in general, those who had retired from GE, and those who were planning to retire from GE but can't afford to got the rug pulled from under them - the financial one. Not a financial planner. Sliding scale fees.

2018 56

65+ - We're Being Labeled "Brand Dumb"

Jane Genova: Speechwriter - Ghostwriter

Yet, some economists and many financial planners have been labeling us "Brand Dumb."   And, collectively, we should send this collective message to the economists and financial planners: We won't be bullied into assuming we played it all wrong during our peak working years.

2018 56

You're Already in Your 50s - Yes, You Can Still Get FIREd Up

Jane Genova: Speechwriter - Ghostwriter

Yet, the cool new way of doing that - FIRE (financial independence, retire early) - seems beyond our grasp. It was before the real estate and global financial crashes. Complimentary consultation, sliding scale fees.

2018 56

FIRE - From the Front LInes of Radical Saving

Jane Genova: Speechwriter - Ghostwriter

FIRE - Financial Independence, Retire Early - doesn't necessarily mean stopping work. Obviously, my financial wiggle room was smaller. So, the financial wiggle room has widened.  The initial price of the phone itself and the monthly fee are significantly less.

2018 56

Startup No Longer American Dream, Organization Man/Woman Back

Jane Genova: Speechwriter - Ghostwriter

Complimentary consultation, sliding scale fees. The American Dream for youth is no longer the startup. That's what Stephen Harrison chronicles in The Atlantic.    What killed off that dream are intersecting factors.

2018 56

Professional Services - Law Firms No Longer "Special Institution"

Jane Genova: Speechwriter - Ghostwriter

It used to be: No, you never messed about the fee you had to pay the law firm. Their heads could be assessed on their financial prudence. 

2018 52

Common Law vs. Media Coverage - Which Will Win the Day in "Aphrodite di Kansas City?"

Jane Genova: Speechwriter - Ghostwriter

The fee the artist Bill Lyons set for the sculpture - "Aphrodite di Kansas City" - is $130k. She contends the mishap was an accident and she should not be financially responsible. The dispute about who's financially responsible is receiving extensive public relations.

Hey, Fellow Baby Boomers, Let's Do The Scramble

Jane Genova: Speechwriter - Ghostwriter

That means as a gen we are entering the next recession in bad financial shape. We have to put together financial strategies and tactics that relieve the angst and allow us to live out our days without fearing the wolf is at the door.  We didn't listen to our moms.

2018 52

Over-40 in Era of Extreme Age Bias - 5 Strategies

Jane Genova: Speechwriter - Ghostwriter

  In this era of extreme cost control the relatively high salary of seasoned employees and the relatively high fees of experienced gig workers are a no-no.  " Establishing several streams of income insulates us financially. Age bias exists.

2018 52

From Counterculture to The Loneliest Generation

Jane Genova: Speechwriter - Ghostwriter

Here in eastern Ohio the public library provides PowerPoint and database training, for example, without a fee. This morning, a semi-retired financial services planner I coach confided that last night he called the Samaritans free 24 hour hotline (212-673-300).

2018 52

BigLaw Brands - Will Jones Day Rebrand from "Black Box" to "Transparent?"

Jane Genova: Speechwriter - Ghostwriter

However, it is yet unknown if and by how much more experienced associates at Jones Day will financially benefit.  Later the sector went flat after the global financial crash and hasn't recovered. From May 2017 through May 2018, the industry lost 1,000 jobs.

2018 52

FIRE - One Set of Problems End, New Set Emerges

Jane Genova: Speechwriter - Ghostwriter

FIRE - financial independence, retire early - represents a transition. Complimentary consultation, sliding scale fees. In fact, a major one. So, it should be no surprise that FIRE is not the gateway to utopia. Transition often is a brutal experience.

2018 52

FIRE at the Top of the Food Chain

Jane Genova: Speechwriter - Ghostwriter

The frugal ideology of FIRE (financial independence, retire early) has seeped into the corridors of a Manhattan BigLaw firm. This attorney might downshift financially to working at a non-profit.  Complimentary consultation, sliding scale fees.

2018 52

"Real Money" - They Got Overextended, Too

Jane Genova: Speechwriter - Ghostwriter

It's described in lavish detail in the 2018 book "Jackie, Janet & Lee." Janet's second husband, Standard Oil heir Hugh Auchincloss, as were many others in the book, came to that financial point of almost or actually losing it all because of an over-the-top lifestyle. 

2018 52

GE - Lots of Pain to Go Around

Jane Genova: Speechwriter - Ghostwriter

Any pragmatic financial planner would have warned them against that. But loyalty was big at GE and some probably assumed their financial future was safe. For another reason, GE is also inflicting financial pain. Sliding scale fees.

2018 52

The New Aging - Enrolling in Degree Programs

Jane Genova: Speechwriter - Ghostwriter

The issue is if they can "afford" to take on that financial burden so late in life? For traditionally aged students that financial commitment to a degree such as law can "make money" for them for a long career.  Sliding scale fees.

2018 52

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

Jane Genova: Speechwriter - Ghostwriter

Among them are the financial comfortable over-50 who want to keep it that way. Add on: The $30 per month pet fee. And we are just moving into the second half of 2018.     For individual coaching – sliding scale fees. They even have a label: equity refugees.

2018 52

Student Loan Debt - Collateral Damage

Jane Genova: Speechwriter - Ghostwriter

That financial burden has been good for divorce lawyers. But that too can trigger financial problems - only a different kind.   The financial burden usually is self-imposed.     For individual coaching – sliding scale fees.

2018 52

Career Paths - Remembering Peter Thiel's Big Disappointment

Jane Genova: Speechwriter - Ghostwriter

Now, Sherwin-Williams, along with the other defendants which had been convicted in that bench trial, will have to pay multi-millions in abatement fees. In addition, he financially supports conservative ideology. Sure, Jones Day paid bonuses up to $400k to the 11 former U.S.

2018 52

Dental - Will That Be Next Industry U.S. Will Lose?

Jane Genova: Speechwriter - Ghostwriter

I had used it in October 2018.   On November 16, 2018, my third time correcting this same kind of error, I spent more than 75 minutes on the phone with UnitedHealthcare. The fee is usually about a third of what U.S. The currency situation had worked in my financial favor.  The billing mistake entailed $39. That is the cost for enrolling in the dental rider program for one month. I wanted that to be a one-time use.

Rider 40

Brand Crypto - Will Steve Cohen's Rumored Investment Increase Its Credibility?

Jane Genova: Speechwriter - Ghostwriter

Some predict that the digital currency is creating a new financial infrastructure.     For individual coaching – sliding scale fees. The money world still watches hedge-fund player Steve Cohen.

2018 52