Aging in America - Financially Squeezed

Jane Genova: Speechwriter - Ghostwriter

  Obviously, all this continues to leave many seniors in a financial squeeze. Do the math. For 2019, the increase for seniors and others receiving Social Security was 2.8%.    For 2020, the Social Security Administration announced, The Wall Street Journal reports, the increase will only be 1.6%. Meanwhile, the Consumer Price Index showed that inflation had recently increased 1.7% over the previous year.

America Is Land of Financial Opportunity for Only 3 out of 10

Jane Genova: Speechwriter - Ghostwriter

  But, according to the American ethos, it frequently means being a step or many steps beyond financial survival. What a study by Financial Health Network found, reports CBS , is that only 3 out 10 see themselves that way. The reality is that 7 out of 10 indicate they are struggling with some aspect of financial stability. In   The core problem isn't a lack of financial literacy. "Opportunity."

2019 43
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Glenn Scarpelli - Never Underestimate Bite of "Financial Reality" in America

Jane Genova: Speechwriter - Ghostwriter

In his suicide note, Glenn Scarpelli indicated he could no longer live with his current "financial reality." But, in America, "financial reality" bites.   Only recently I returned to financial solvency. " He and his wife Patricia Colant owed more than $300k in federal and state taxes. On Friday, they jumped to their deaths. Many remember how Scarpelli had been there for Manhattan post-9/11, volunteering his time and skills.

2017 40

COVID-19, If Financial Crisis Worsens, Apartment Security

Jane Genova: Speechwriter - Ghostwriter

If social unrest and financial hard times worsen, a surge in criminal activity could spread throughout America.    That should be a concern to the legal staff at residential apartment complexes. The security of residents should be on their minds. The oddball reality is that the last two complexes in which I leased did not have video monitoring. 

2020 40

Financial Services Industry - Watch Your Language

Jane Genova: Speechwriter - Ghostwriter

The sales pitches of the financial services industry are stuck back in the 20th century. It was then that language about "financial security" could be used. Now, when a financial planner leverages that phrase, the smart among us in The New Aging smirk. Yeah, financial planners, watch your language. Financial security. " We sold the family house to reduce financial uncertainty.

2019 43

Daily National Managing Editor TJ Walker Speaks At The North America Chinese Entrepreneur Association

TJ Walker Interactive

Analysis blogging Body Language CEOs/Financial North America Chinese Entrepreneur Association

Security - PNC Processes v. Seamlessness of Bank of America

Jane Genova: Speechwriter - Ghostwriter

Of course, it's  the  concern in financial institutions such as PNC Bank. In comparison, Bank of America goes about security seamlessly. Finally I realized I could use my Bank of America MasterCard. I explained Bank of America's. Security.

2020 56

Financial Crash - We Became Our Parents

Jane Genova: Speechwriter - Ghostwriter

But, there isn't too much analysis of how that amazing financial crash reprogrammed the values and behavior of us 76 million Baby Boomers. Regarding the latter, with any brief economic downturn in America, they gleefully predicted "the big one" again. Articles like Bob Bryan's in BusinessInsider deconstruct how The Great Recession shaped the Millennial psyche.

2016 43

Public Nuisance Law - Can It Fix America?

Jane Genova: Speechwriter - Ghostwriter

With so many baby boomers and older members of Generation X unable to afford to retire, this has become  the  issue of America. Unless it is solved there could be surging financial insolvency, mental illness, and even suicides. No surprise, there is a comprehensive lobbying effort to persuade the U.S. Supreme Court (SCOTUS) to review the bench-trial verdict in "People of California v.

2018 40

The Year of COVID-19: Will America Experience Uptick in Divorce Rate?

Jane Genova: Speechwriter - Ghostwriter

 When the quarantines are over, at least for the present time, should America expect a surge in the divorce rate? Factors leading to the unraveling include:  Financial strain.

2020 52

Trust - Let's Take Long Hard Look at That, Meanwhile Boy Scouts of America Files for Bankruptcy

Jane Genova: Speechwriter - Ghostwriter

The Chapter 11 filing - here's the court document - allows the Boy Scouts of America to compensate victims of alleged sexual abuse without jury trials. Also, the move was financially necessary since, after the accusations of misconduct were made public, membership declined. 

2020 52

Contract Killers - Among America's Anti-Heroes (a nation founded by outliers)

Jane Genova: Speechwriter - Ghostwriter

America had been founded by a bunch of misfits. As Gartner hammers in the book: It doesn't get a society or individuals very far financially. They were outliers in the proper ways of the old country. Most couldn't make a living, never mind just not fit in.

2020 52

America's Unbanked - Technology Can End Exploitation

Jane Genova: Speechwriter - Ghostwriter

" That's because they have no official association with a financial institution. So, for cashing their checks, conducting financial transactions, wiring funds overseas, and borrowing money (usually between paychecks) they rely on the "paycheck lending" industry.  Open source, it facilitates peer-to-peer low-cost, fast, and secure financial transactions. They are called "the unbanked."

Aging in America: The Edge in Crazy Coronavirus Times (I have my rent check all-made-out)

Jane Genova: Speechwriter - Ghostwriter

Medicare makes getting sick not a financial catastrophe.  " But in America that can still provide a good life. Financially, my life was much more a financial struggle before I was middle age. Coronavirus has thrown a wrench in making ends meet.

2020 52

Class in America - Founding Fathers Were Snobs

Jane Genova: Speechwriter - Ghostwriter

  Well-researched and with a sophisticated tone, the book documents how class-obsessed America has been, right from the get-go.  So, the newly minted college graduates had to go off to further education or Corporate America. As career paths blow up, what had been imprinted about making it economically in America frequently is proving to be actual obstacles to survival. Ranking #317 on Amazon is "White Trash" by Nancy Isenberg. 

2017 40

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. Even James Cameron, who perfected the superhero film formula, has become weary of that genre. Here are more details from Expressco.com. That confirmation of the weariness with the superhero genre might explain why the new series "S.W.A.T." " isn't resonating. The "S.W.A.T."

2018 43

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.   After the housing crash America has become Landlord Nation, at least in a growing number of locations. Tucson, Arizona used to be  the affordable and desirable place to relocate for retirement and various versions of downsizing expenses.

Aging in America - Clash of Two Cultures (Over-65 Working/Retired)

Jane Genova: Speechwriter - Ghostwriter

The Atlantic features how aging is an invisible force changing America. Not financially. By 2050, about 20% of the population here will be over-65. "Invisible" is an apt description. So much of how the tectonic plates are shifting remains beneath the surface. But not all. One of those which is emerging - and in ugly ways - is the clash between the two cultures among the over-65. They are the still-working and the retired. Their mindsets, values, and lifestyles often clash.

2016 50

The Power of Storytelling

Ian Griffin - Professionally Speaking

Jo Ellision pays homage to Philip Roth, one of America’s great storytellers, in the Weekend Financial Times. Storytelling Financial times Philip RothI’ve written many blog posts about the relevance of storytelling for speechwriters and public speakers. The opening paragraph captures the power of story to sway us: From the villagers tuning in to the troubadour of yore, to the […].

2018 108

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

Jane Genova: Speechwriter - Ghostwriter

Also, resentment festered because we were the first gen in America to attend college en masse. The resentments among generations may be more intense than those among the 1% and ordinary people. In particular, the oldest of iGen, the youngest of Gen X, and just about all Millennials view us aging as sucking up all the Medicare money available and, through our myriad age-related illnesses, driving up the U.S. healthcare bill. No wonder health insurance is so expensive for them.

2018 40

Aging in America - December Plunge in All 3 Stock Indexes Brings High Angst

Jane Genova: Speechwriter - Ghostwriter

Back during the 2008 global financial crash, the aging in America got it: They many never fully recover from the downturn in equities, market value of housing, and job market. Therefore, FIRE (Financial Independence, Retire Early) becomes impossible. Some were lucky, though, and made out big in the bull market. Others entered their supposed golden years not able to stop working or struggling to make ends meet on the average monthly Social Security check of about $1,400.

2018 43

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

Jane Genova: Speechwriter - Ghostwriter

  The other part is represented by the FIRE Movement -  Financial Independence Retire Early.  They just have adequate financial resources to do those things without adding more income earned from work. In America, retirement tends to have a bad smell.  Capitalism, at least the American version, has become binary.    There are those who are going on it, creating ways to become wealthy. That's one part.

2018 40

Deutsche Bank, et al. - Outplacement Providing "Woke" (since 1980s corporate downsizing in America)

Jane Genova: Speechwriter - Ghostwriter

Vivid is the memory of the unique carnage in the legal sector after the 2008 financial crash. Historic was the day Latham cut loose 440, including 190 lawyers. And, in the rigid legal field, those lawyers had a hard or impossible time getting back in the game. When things picked up firms looked for laterals, that is those who still had jobs, and new graduates. Those knocked out of the box had to scramble for new ways to make a living.    No, unemployment is not all the same.

2019 40

See Wal-Mart - Think America

Jane Genova: Speechwriter - Ghostwriter

  A poll  by Vanity Fair/60 Minutes found that most of those interviewed [48%] perceived that Wal-Mart most symbolized America.    I also have a hunch that when the economy picks up and we're over the trauma of near-death experience in the financial system, we will shift from viewing ourselves as Wal-Marters.  Americana is Wal-Mart, not Coca-Cola. 

Verizon: Mirroring Bank of America Fee Stumble

Jane Genova: Speechwriter - Ghostwriter

  Deja vu Bank of America proposed fee mess. Read more about this on my post on financial-information powerhouse Motley Fool about Verzion's problems.  Dmyla - Dreamstime.com. Verizon Wireless has been having a bad December.    Its premier branding is based on its reputation for reliability.    Yet, there have been three outages this month.    There's more. 

Fees 40

Hillary Clinton Campaign 2016 Headquarters - Should Be Symbolic Of New Deal For America

Jane Genova: Speechwriter - Ghostwriter

Her headquarters should symbolize a new deal for America. Also, so many upended during the financial crash haven't yet been able to bounce back. There is speculation, reports Maggie Haberman in Politico , that if Hillary Clinton runs for president her headquarters will be in Westchster County, New York. She lives there. And it's far enough from Media Inc. in Manhattan. Poor choice. That makes Detroit perfect.

2014 53

What Could Bring Together America The Radicalized - Reflections from Counterculture Kid Who Had To Grow Up Fast

Jane Genova: Speechwriter - Ghostwriter

The Drudge high-profile headline reads: "America the Radicalized." Obviously, a financial crash more serious than the one in 2008 would do it. If it looks, walks, smells, and throws verbal grenades like what was business as usual in the Counterculture, maybe it is a return to radicalism. On both the left and the right.

2018 40

Weather: America needs a 12-step program for this new addiction

Jane Genova: Speechwriter - Ghostwriter

  I had a hunch that it was their character defects operating, not a genuine concern about how I was emotionally and financially (business was off) faring in the inclement weather. Normal friends and colleagues where it wasn't frigid and snowing seem to have developed an obsession with the weather where it was frigid and snowing.   One contacted me about "what's going on at Newark Airport?"

2014 40

Newly Financially Literate: Are they the ones wanting to deep-six Christmas?

Jane Genova: Speechwriter - Ghostwriter

  This is a sign of our newly financially literate times.  During the boom-boom years in the 1970s and 1980s in America, the strivers ran off to get MBA degrees.  The antipathy toward Christmas used to be about the threat of emotional depression.    During the supposed happy holiday times those who felt less-than felt a whole lot more inferior.    Now anti-Christmas spirit might have a very different source.

2012 40

Aging in America: Beats what youth faces

Jane Genova: Speechwriter - Ghostwriter

I assumed "it" would be horrific: Aging in America.    Meanwhile those under-28 are struggling on just about every financial level.   That Made-in-America monster nearly ate me alive most of my life. 

Class: Does it matter less in America?

Jane Genova: Speechwriter - Ghostwriter

   If we subscribe to financial-markets expert Nassim Taleb's Black Swan notion - that many developments which have profound impacts can't be anticipated - then we conclude that success is a wild card.  The now-infamous John Michael Farren, accused of attempted murder of his wife, started out in the working class.    As David Lat tells us in Abovethelaw.com, his father was a policeman and his mother a nurse. 

Salvation: America's First Hit Product

Jane Genova: Speechwriter - Ghostwriter

Spiritual, emotional, financial, and professional.  Salvation is the American Way. Unlike England, which the oddball Puritans fled for a new start, from the get-go this nation has been the platform for redemption. All kinds.   So, the odds are that among all the president's lawyers there can be at least one who seeks to do a cleanse. The classic template for that was the "evil genius" lawyer from the Nixon Administration Chuck Colson. 

2019 40

Two New Clients: Week four of International Center for Journalists financial reporting course, funded by McGraw-Hill

Jane Genova: Speechwriter - Ghostwriter

This is week four in the eight-week online International Center for Journalists course on financial reporting, funded by McGraw Hill.    And the topic I proposed for the end-of-the-course article is about the financial issues of that invisible demographic 66+.   Does that mean not being a billionaire isn't a crime against America? There's a spring to my step.    That's what neighbors and even clients tell me.

2012 40

The Year of COVID-19: April 9. 2020 (guilt about being able to hang on financially)

Jane Genova: Speechwriter - Ghostwriter

If COVID-19 lockdowns hang on and people can't get back to work, 60% of folks in America can run out of savings. So, those of us who aren't facing that kind of extreme financial insecurity feel, you got it, guilty.

2020 56

This is America, Kiddo: Art is rarely a day job

Jane Genova: Speechwriter - Ghostwriter

  Come on, kiddo, this is America, the leader of capitalism.    A writer, I toiled in the bowels of corporate America and for the past two decades performed consulting assignments for the lion's share of my income.    Those pursuing art are causing themselves needless disappointment and financial pain if they expect to make a decent living from it.  Call it a hangover from our previous affluence. 

Financial Literacy: So few of us get a high score (and what the International Center for Journalists is doing about that)

Jane Genova: Speechwriter - Ghostwriter

  Of course, I beat myself up over and over again for getting into that kind of financial pickle.    It wasn't until a few weeks ago when I was awarded a spot in the International Center for Journalists (ICFJ) eight-week online course in financial reporting that I learned I was not alone in having been financially illiterate.  The " by African-American financial coach Glinda Bridgforth.  Cruel

2012 40

America In Pain: Is it because we never had to grow up?

Jane Genova: Speechwriter - Ghostwriter

Could it be we're in such pain in America post-affluence because we never had to grow up, that is, accept responsibility for taking care of ourselves?    There is no employer, no trusted financial adviser, no deep-pocketed government to do the job our parents were supposed to turn over to us at the age of majority.  Lawyer at Sullivan & Cromwell turned psychotherapist Will Meyerholer makes an interesting observation  on legal tabloid Abovethelaw.com. 

2010 43

Free Press in America - Already In Play

Jane Genova: Speechwriter - Ghostwriter

  That was probably the financially prudent decision. And, no, I never considered myself on the front lines of maintaining a free press in America. Those entering the battle on the side of the media will have to have abundant financial resources. In 1964, the U.S. Supreme Court made a seminal ruling in "The New York Times v. Sullivan."

2016 43

Let Donald Trump Keep Making Stock Market Gains His Signature - Small Investors Have Shot at Financial Security

Jane Genova: Speechwriter - Ghostwriter

But for small investors the focus is on having a shot again at financial security.   The shift in America could be from Man the Political Animal to Economic Man. "The value of the U.S. stock market has risen by $9.1 trillion, or 35.6% since Election Day in 2016, according to Wilshire Associates." " -  MarketWatch, April 14, 2019. Here is the article.    And, the man running for re-election - Donald Trump - wants to ensure that will continue.

2019 43

Osama Bin Laden Dead – Barack Obama Speech Analysis -Media Training

TJ Walker Interactive

The President addresses the nation at a triumphant time for America. Analysis Body Language CEOs/Financial Communications Crisis Communications Foreign Languages Government & Politics Media Media Training News Video Workplace Barack Obama osama bin laden september 11th 2001 TJ WalkerTJ Walker offers his analysis of the media message that Obama and the White House communicated to the American public and the world.

Millennial Women Could Abandon the (unofficial) Religion of America: Work

Jane Genova: Speechwriter - Ghostwriter

A growing number of those who had to navigate serial layoffs, especially in financial services, tell me they have turned to their hobbies for the satisfaction professional life used to bring. We women were pleased to even be in Corporate America, with all its professional development, interesting tasks, and perks. New York Magazine contains a long, poignant essay on the "plight" of Millennial professional women.

2017 40

Pennsylvania Education Policy Roundup for September 20, 2013: If you are involved with policy regarding charter schools you need to read SRC member Joseph Dworetsky’s lucid analysis of their financial impact on school districts (and taxpayers).

Speaking Of...

Keystone State Education Coalition: Pennsylvania Education Policy Roundup for September 20, 2013 : If you are involved with policy regarding charter schools you need to read SRC member Joseph Dworetsky’s lucid analysis of their financial impact on school districts (and taxpayers).

2013 40

Off to Mexico for Dental Care - No, I'm not helping make America great again, Mr. Trump

Jane Genova: Speechwriter - Ghostwriter

As the champion of Make America Great Again, Donald Trump would probably never consider having his dental work done in Mexico. Sure, the financial arrangements, including taxation, are complex when relocating abroad. America had been great. "All those crowns. You'll have to go with us to Mexico to replace any of them." " That's what a woman at a dinner party told me during my first month living in Tucson, Arizona. Her husband flashed his implants.

2016 43