2019 - Big Media Story Will Be Media

Jane Genova: Speechwriter - Ghostwriter

So, it's predictable that its own activities will be the big story of 2019. Those ranged from a financial institution which had wasted my time and use of my money to a client who was trying to stiff me.

2019 56

Stock Market Rally - All In For FIRE (financial independence, retire early)

Jane Genova: Speechwriter - Ghostwriter

"  Amrith Ramkumar, "Market Rebound Reaches Crossroads After Latest Rally," The Wall Street Journal, March 17, 2019. And, what can happen - en masse - is FIRE (financial independence, retire early).

2019 56

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.  You will get push-back on this one. People enjoy eating out with other people.

2019 56

The New Aging - The End Is Near, But Not Near Enough to Make It Out Financially Solvent

Jane Genova: Speechwriter - Ghostwriter

Our total financial situation can't absorb that expense. That facilitates ditching the financial burden of your own car. About 80% of us baby boomers get it that we're going to die. We have done our will and other tasks such as end of life medical directives.

2019 52

Paywalls: Financial Salvation for Media or Trojan Horse?

Jane Genova: Speechwriter - Ghostwriter

Publications, both legacy and digital natives, are struggling for survival. Some are rushing into paywalls. Others are playing the very different game of total free access. I analyze the pros and cons of paywalls in an exclusive article for Odwyerpr.com. Here you can read it.

2019 56

FIRE - How I Went from 6-Figure Debt to Financial Independence, (Semi) Retire Early

Jane Genova: Speechwriter - Ghostwriter

  For about 6 months now, I have been doing a FIRE (financial independence, (semi) retirement. Although I can afford to buy a house again I don't take on the financial uncertainty associated with the American Dream.

2019 52

Financial Services Industry - Shift from Retirement to "Next"

Jane Genova: Speechwriter - Ghostwriter

  Even the financial services industry, known for pushing various forms of retirement accounts, is recognizing the shift. In response, the financial planner says that the focus then has to be on the Next. Retirement.    That was invented in the late 19th century.

2019 56

Retirement - Myth Cooked Up by Financial Services Industry

Jane Genova: Speechwriter - Ghostwriter

Influential LinkedIn posted on the global stress about retirement. ING, for example, recently conducted a survey. Universally, folks are in high angst about if they can afford to stop working.    The way to bypass all that is to have no plan to retire. Increasingly, those who do are becoming un-retired. The official term for that is "reverse retirement." " According to the Federal Reserve , one-third of those who leave the work force return.

2019 40

As American Dream of Home Ownership Fades, Landlord Nation Hardened

Jane Genova: Speechwriter - Ghostwriter

It might have seemed a sign of financial smarts to opt out of the American Dream of home ownership. The worst of that, reports MarketWatch , was a significant increase in the average rent from February 2018 to February 2019.

2019 56

Facts - Smirk

Jane Genova: Speechwriter - Ghostwriter

Those facts made their promoters Brandnames and likely financially comfortable. Facts. In her book "Merchants of Truth," former big wig at The New York Times Jill Abramson decries the death of facts. In their place in what is supposed to be journalism is commentary. 

2019 56

We All (have to) Go to College - Blame the GI Bill

Jane Genova: Speechwriter - Ghostwriter

Currently, raw age bias is forcing white collars out before they are financially and emotionally ready to stop working.    A large number of those shop kids also have a more financially secure retirement.

2019 56

Global Corporate Leaders Anticipate Recession - Start with the Side Hustles Now

Jane Genova: Speechwriter - Ghostwriter

In studying Q4 2018 financial results and earnings calls with analysts, Gartner concluded that around the world corporations have switched over to how businesses operate during downturns. That additional income lessened my financial angst.

2019 56

Chrysler Bldg Sold for Relative Peanuts - But, Will The Dilenschneider Group's Rent Go Up?

Jane Genova: Speechwriter - Ghostwriter

As more opt into a FIRE (financial independence, retire early) this has become a source of extreme pleasure. Manhattan real estate is a wild game. When property is sold, renters fill with terror. How much will the rent go up? Will they be forced out?

2019 56

Public Relations - Predictions for 2019

Jane Genova: Speechwriter - Ghostwriter

Those assuming they can predict what will go down in 2019 are delusional. percent) since the financial crash of 2009. That could be healthcare or financial services. 

2019 56

Goldman Sachs - Uneasy Lies the Head of Every Employee When Leadership Changes

Jane Genova: Speechwriter - Ghostwriter

So kicks off the David Solomon era at that iconic financial institution. Already, 65 Goldman Sachs' employees have been laid off in the New York office. Others in trading and sales also have been lopped off. Sources, reports the New York Post , predict lots more heads will roll.

2019 52

Troubled Global Auto Sector - I Will See the USA in my 2010 Chevrolet

Jane Genova: Speechwriter - Ghostwriter

  For Everywoman and Everyman like myself (especially those over-60), our financial planning includes taking very good of the car we now have. The sticker price on new autos, even the unpopular sedans, is trending up to five figures.

2019 56

FIRE and Power - Usually Mutually Exclusive

Jane Genova: Speechwriter - Ghostwriter

Either they had opted to do a FIRE (financial independence, retire early) or were involuntarily pushed that way. Early retirement entails trading off power for personal freedom. That's the rub. 

Making Better Connections on Social Media with Phil Gerbyshak

Speaker Launcher

Financial Times, Investor’s Business Daily, as well as countless other media outlets. Phil is going to be one of our featured speakers at Accelerate Live 2019 in Cape Coral, FL on February 22 & 23! Registration page for ACC Live 2019: [link]. On this episode of the Wealthy Speaker Podcast, we are talking about making significant connections on social media. Today we are joined by social media guru, Phil Gerbyshak. Phil has written 5 books and over 3000 articles.

2019 76

The Bible, Medieval Morality Plays, and Implications of the Allegations against the Gordon Caplan

Jane Genova: Speechwriter - Ghostwriter

His financial future depends on how his legal situation plays out. In both the courts of public opinion and the court of law Gordon Caplan is allegedly in big trouble. The nation tends to view him as an arrogant wealthy guy who assumed he could buy what others have to work hard to get.

2019 52

Remove Retiring from a Bucket List, Prepare to "Nomad"

Jane Genova: Speechwriter - Ghostwriter

Instead of envisioning total freedom from work during The New Aging, it might be more realistic financial planning to just save for some fun travel on vacations from work or between gig contracts. Retirement has passed the threshold of affordability.

2019 56

Quirky Pragmatism of "Breaking Bad" - Beth, Annie & Ruby in "Good Girls"

Jane Genova: Speechwriter - Ghostwriter

It was to provide financially for his family after he died of lung cancer.  Every out of the box new crime former high school chemistry teacher Walter White commits makes sense - in a pragmatic way. That was the plot line on AMC's classic "Breaking Bad."

2019 52

Economic Jitters - All-Ears for Socialism (remembering days of heaven as doctoral student)

Jane Genova: Speechwriter - Ghostwriter

  Some will be "forced" into retirement before they are ready, especially financially. The College Class of 2019 could struggle to find that first job and not luck out. As anticipated, after the MLK holiday, the DOW opened lower. 

2019 56

Stock Portfolio Feel Lighter? - Q4 Stock Market Volatility Lifted $3.73 Trillion from Household Total Net Worth

Jane Genova: Speechwriter - Ghostwriter

Yet, the funny thing is much of the financial services industry keeps holding in front of us the probability that retirement can occur.  But, in reality, they are chips played on what the financial services industry theorizes are sure things. It's 2:42 P.M. New York Time.

2019 52

Yes, Side Hustles Are Necessary/Mainstream - But It's Still Smart to Keep Brands Separate

Jane Genova: Speechwriter - Ghostwriter

Had they other hustles going they wouldn't have wound up financially and professionally stranded. Typical was pitching financial institutions such as American Express on my track record in credit cards. Smart. That's what thought.

2019 52

Home Ownership - American Dream Turns Nightmare, for 2nd Time in 21st Century

Jane Genova: Speechwriter - Ghostwriter

Even the most optimistic about the American Dream of home ownership were re-thinking if the financial straightjacket mortgages put you in was worth it. Who can forget the residential real estate crash that brought those fire-sale prices around 2012?

2019 56

Middle Managers Losing Jobs (and more) in 1980s Corporate Restructuring - Now, Lawyers Will Be Going Through That

Jane Genova: Speechwriter - Ghostwriter

That should have happened post-2008 global financial downturn.   It's the buyer of financial services who is calling the shots.   If the downturn arrives in 2019, the JD Class of 2019 could be in the same pickle as the JD Class of 2009. It's palpable.

2019 52

FIRE - Some Push Back on Scott Riekens' Extreme Saving

Jane Genova: Speechwriter - Ghostwriter

As MarketWatch reports, in 2017, Riekens heard the gospel according to FIRE - Financial Independence, Retire Early. In January 2019 I earned a lot of money, on my terms. Did he join a cult? That's what some wonder about Scott Riekens.

2019 56

E-Nightmare and Edward Jones

Jane Genova: Speechwriter - Ghostwriter

My Edward Jones financial planner set up the e-documents for me to sign in order to set up a second Roth IRA. The next day I informed my financial planner to ditch the order for the CD. I could transact that financial transaction in-person at a local financial institution.

2019 52

Remembering Enron - After 12 Years, Its Evil Genius Jeff Skilling Released from Prison

Jane Genova: Speechwriter - Ghostwriter

Like Bernie Madoff, who also lost a son to suicide (and one to cancer), he had inflicted a severe financial wound on too many people. To exit my own dark hole of financial collapse, I had to struggle to put together a new career.

2019 56

Stockton, CA - Can Universal Basic Income Soften Capitalism?

Jane Genova: Speechwriter - Ghostwriter

Stockton, California has seen hard financial times. The question is if "free money" - that is Universal Basic Income (UBI) - can catapult residents of that community onto an upward financial trajectory? That included double-digit unemployment and a high foreclosure rate.

2019 56

2 Pieces of Better News, 3 Old Trouble Spots

Jane Genova: Speechwriter - Ghostwriter

  The good news provides time to build up our financial reserves and maybe even accumulate wealth. The end seemed near. A whopper of a world downturn was imminent. So, we assumed two months ago.

2019 56

Onion, Gawker 2.0 Losing Millions of Dollars - More Hard Times for Digital Media

Jane Genova: Speechwriter - Ghostwriter

  The financial problems have their parent Gizmodo Media Group, which in turn is owned by Univision, jittery. But, in digital times, with such a proliferation of other media, it has begun to struggle financially - big time. 

2019 56

Manhattan Gilded-Age Players - Buy High-End Real Estate to Make a Statement, Not Build Wealth

Jane Genova: Speechwriter - Ghostwriter

  If the owners didn't make it a strategy to lose money, then eventually they could find themselves in financial trouble. We look up at those tall residential buildings and the single-family brownstones in Manhattan.

2019 56

Andrew Reigstad of Tax 29 - SuperHero of Uncertain Economic Times

Jane Genova: Speechwriter - Ghostwriter

That brings me closer to FIRE (Financial Independence, Retire Early). Money talks. So, it was the loudest voice in the room when Andrew Reigstad at Tax 29 told me the bill for my 2018 was $50. Last year for a similar tax return for 2017, H&R Block charged $440.

2019 56

"Good Girls" - Crime & Continual Threat of Punishment

Jane Genova: Speechwriter - Ghostwriter

All there is is a situation, born of financial desperation, that keeps getting more complex. The dark comedy of "Good Girls" got a lot darker tonight in the kick-off of the second season. Gangbanger shoots Beth's husband.

2019 52

Don't Get Sick - That's How 67% of Bankruptcies Happened (and how the universe humbled me)

Jane Genova: Speechwriter - Ghostwriter

  Most of those caught in this financial tragedy were middle-class.   But it took pulling up roots and heading out on I-95 ramp west to where the cost of living was lower to become able again to play on a level financial field. 

2019 56

"Good Girls" Back on NBC, March 3, 10 P.M. - Series Mirrors Changing Socialization for Women

Jane Genova: Speechwriter - Ghostwriter

The three mothers in a Detroit suburb had encountered financial disaster. The previews for the kick-off of the second season of " Good Girls" are juicy. The second season starts Sunday, March 3rd, on NBC, at 10 P.M. New York time. 

2019 52

Election 2020 - Meme of American Dream Won't Necessarily Include Home Ownership

Jane Genova: Speechwriter - Ghostwriter

Often their financial behavior indicates what's smart to do. Historically, financial experts have been telling those near retirement to sell the family house and rent. We watch the wealthy.

2019 56

Publicity Stunt Gone Very Wrong - That Vatican Conference

Jane Genova: Speechwriter - Ghostwriter

The ones who committed the heinous acts and the administration involved in cover-ups should be denied all means of financial supports. Punishment in the 21st century is the financial hit. 

2019 52

Higher Education - No Longer Will It Be Unofficial Religion of U.S.

Jane Genova: Speechwriter - Ghostwriter

That could be as bad or even worse than what occurred after the global financial crash. Optimism? Magical thinking? Nuttiness? Whatever motivated the JD Class of 2107 to attend private law school, across the board it resulted in an average of $130,145 in student loan debt.

2019 52

Paul Weiss - Beyond Business Results

Jane Genova: Speechwriter - Ghostwriter

Leadership at the firm attributes the financial success to the focus on 5 core practices.   Likely the leadership of Paul Weiss will be remembered more for how the law firm has been a game-changer rather than financial results.  Somewhere in the early 21st century practicing law shifted from a profession to a business. In 2018, the business of the Paul Weiss law firm did very well. Its Profit Per Equity Partner (PEP) increased about 10% to $5.02 million.

2019 40

Nick Sandmann - High-Profile Libel Lawyer, PR Firm Parachute In

Jane Genova: Speechwriter - Ghostwriter

The family of Nick Sandmann could become financially quite comfortable. As the controversy surrounding their son's interaction with Native American Nathan Phillips escalated, in parachutes respected libel lawyer L. Lin Wood.

2019 56

"Good Girls" Returning in March - Bold Statement about American Culture

Jane Genova: Speechwriter - Ghostwriter

The trigger, to use the pun, is financial desperation. A sign of a cultural shift: "Good Girls" will be returning to network television in March. NBC found there is an audience for a series about those soccer mom types who are forced into a life of crime.

2019 56