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. Back in April 2014, a large, that is 440 square foot, studio apartment at Tucson's Vista Montana complex went for $400 a month.   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.

Landlord Nation - Shocker at Weidner's Vista Montana, Tucson, AZ (bring along something to wash the walls)

Jane Genova: Speechwriter - Ghostwriter

No longer do I want the uncertain expenses and Mr. Fixit problems associated with home ownership. There, at least in Tucson, where I lived in   Vista Montana , owned by   Weidner , for 27 months, property managers don't have to renew your lease. Moving is expensive. They included having to have the carpet professionally cleaned at our own expense. In Landlord Nation, I had to just eat that expense. So much for the American Dream.

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Saudi Arabia Cuts Oil Prices - Overdue

Jane Genova: Speechwriter - Ghostwriter

Here in Tucson, Arizona, at Fry's, E. If I had waited until next week to get gas, I have a hunch it would be even less expensive. It's news (LOL) that Saudi Arabia cut its oil price. Roger and First, I filled up my gas tank for the least amount I have spent since I relocated here in April 2014. After applying my Fry's loyalty points, each gallon cost me $1.73. Current Affairs Personal Musings Travel

2015 50

Kroger - It's Like Facebook In That It Wants You Never To Leave

Jane Genova: Speechwriter - Ghostwriter

In addition, once you sign up free for the rewards program, you have access to weekly super specials which are even less expensive than Wal-Mart's pricing. Here in Tucson, Arizona, the Kroger subsidiary goes by the Fry's brand. As  As I was relocating from Connecticut to Tucson, the complex I am still living in was recommended to me because "You can walk to Fry's."

2015 52

Renting - What Personal Finance Experts Skip Over

Jane Genova: Speechwriter - Ghostwriter

The benefits, they pontificate, range from flexibility (you get laid off, it's easier to relocate for new opportunity) to insulation from expensive upkeep (a new roof is needed). In cities which are becoming more popular, such as Tucson, Arizona, there is high unpredictability what the rent will jump to at lease renewal time. Since moving is costly, many renters have to swallow the bitter pill and cut expenses in another category. The American Dream is dead.

2019 43

The Coronavirus Economy - Will You Have to Retire Early, Relocate?

Jane Genova: Speechwriter - Ghostwriter

Sure, Tucson, AZ requires a lot less to live in than Manhattan. But, since the big migration of those from California to AZ because of the high cost of living there, Tucson has become more expensive. For those aging, relocation has always been a tough decision. Because of what might be called "The Coronavirus Economy" that decision has become lots more complex.

2020 40

Paradise Found - Entrepreneurs Looking to Lower Cost of Doing Business, Beware

Jane Genova: Speechwriter - Ghostwriter

I was saddled with way too much for rent, car insurance and uninsured dental expenses in the New York Metro area. The first summer in Tucson, AZ was hot. Here I am now in eastern Ohio where my fixed expenses, including housing and car insurance, are lower than they were in AZ. Tucson, AZ was too hot. Too expensive. "It's a dry heat." " That's what residents of southwestern Arizona informed me.

2017 49

Aging Executive Communications Players Who Lost It All - No, You Don't Have to Think Ecuador

Jane Genova: Speechwriter - Ghostwriter

For example, clothes can be expensive in Ecuador. And the cost of an apartment was about as much as my rental in 2014 in Tucson, Arizona. When I got it that Tucson, AZ was not where I and my business could thrive, I researched where else I could parachute into. It's happening all the time. They were riding high in communications jobs, including ghostwriting and speechwriting, in major metro areas. Then age bias hit hard.

2016 56

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

Jane Genova: Speechwriter - Ghostwriter

In supposed retirees' paradise - Tucson, Arizona - a 100-unit usually jacked up the rent $50 a month annually. In addition, the record heat in Tucson mandated the air conditioner be on a lot. 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 40

Leaving New York, By Way of Arizona

Jane Genova: Speechwriter - Ghostwriter

Within 27 months living in Tucson, AZ, I had detoxed from much of Manhattan. From colleagues I found out that had gotten even more expensive and frantic since I had left it. Surprisingly, the cost of living is as cheap as it was in Tucson. In 2014, 126,000 left New York City. That's what newgeography.com found. Probably  Probably for many of those, it was a soul-wrenching decision. After all, you can make the big money in the Big Apple.

Wal-Mart Needs Loyalty Program

Jane Genova: Speechwriter - Ghostwriter

Competitor Kroger, although more expensive, is siphoning off customers. Here in Tucson, Arizona, Kroger's subsidiary is Fry's. There is trouble in the grocery aisle at Wal-Mart, reports BusinessInsider. One reason is that Kroger has a smoothly running loyalty or rewards program. And Wal-Mart has none. Through its loyalty program, I can get 30 or more cents off each gallon of gas I purchase at its gas station.

2015 50

Boston - Why Are People Moving Out?

Jane Genova: Speechwriter - Ghostwriter

Most of coastal cities such as Boston are increasingly expensive. Thanks to the internet I could relocate to low-cost-of-living Tucson, Arizona cold. Tucson fit the bill. The Boston brand was cool+. In addition to what New York City provided, it had the aura of civilized society, excellence in higher education, and deep historical roots going back to the first tea party. That was then.

"Affordable Housing"- No Longer Just a Low-Income Meme

Jane Genova: Speechwriter - Ghostwriter

  Take Tucson, Arizona. That has become an expensive process, ranging for the expense of transporting the household goods to the damage deposit and nonrefundable pet fee. The Joint Center for Housing Studies of Harvard University released a disconcerting report. Here is a copy. Essentially, Landlord Nation is pushing even the middle class into financial distress. The formal term for that is "cost burdened."

2020 40

"Affordable Housing"- No Longer Just a Low-Income Meme

Jane Genova: Speechwriter - Ghostwriter

  Take Tucson, Arizona. That has become an expensive process, ranging for the expense of transporting the household goods to the damage deposit and nonrefundable pet fee. The Joint Center for Housing Studies of Harvard University released a disconcerting report. Here is a copy. Essentially, Landlord Nation is pushing even the middle class into financial distress. The formal term for that is "cost burdened."

2020 40

With Regret - The Top 3

Jane Genova: Speechwriter - Ghostwriter

Everyone pitches in on the expense and the maintenance. 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 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.

2020 43

Real Estate Is a Business - History Could Feature Evictions as Symbol of COVID-19 Devastation

Jane Genova: Speechwriter - Ghostwriter

I bore witness to that among those leasing efficiency apartments in Tucson, Arizona. Moving is inconvenient and expensive. "So, far, 24 states are now processing evictions again, and that number is expected to climb to at 30 states by the end of June."  "  - Michael Braga, USA Today , June 10, 2020. In capitalism, housing, though an essential service, is not provided free. Real estate is a business.

2020 43

Black Swans in Peak Career, Now Those Annoying White Swans in Semi-Retirement/Retirement (and every step of the way there)

Jane Genova: Speechwriter - Ghostwriter

Another white swan was that downsizing housing generated a new expense. Climate change had already made temperatures in Tucson, Arizona around 122 degrees. Retirement/semi-retirement might involve more turmoil than navigating the rat race of doing a career. Increasingly, the aging who leave or are forced out of full-time work are experiencing what are being called "white swan" developments. Essentially white swans are unexpected events which disrupt planning.

2019 40

New York City - No, your professional life doesn't gear down when you exit

Jane Genova: Speechwriter - Ghostwriter

And, with the commuter train from the suburbs so expensive, there's really no way to game the system. You could be practicing law in Tucson, Arizona, where a one-bedroom goes for $500, and have access to the same resources, data and human, as do lawyers in Midtown Manhattan. Since April 2014, I have been running my communications boutique out of a $500 a month apartment in Tucson.

Class of 2019 - Maybe You Should Avoid New York Metro Area for Starting Careers (and consider these states/nations)

Jane Genova: Speechwriter - Ghostwriter

The northern part of Arizona, which has four seasons, keeps becoming more expensive. Tucson, which used to be dirt-cheap, isn't any more. Those from California fleeing the high rent there have provided incentives to Tucson rental-complex owners to raise rents. Rents are not cheap. Everyone knows that. Fewer are buying homes. That means more are renting apartments. So, no surprise, there continues to be Landlord Nation. 

2019 40

Climate Change and Retirement/Semi-Retirement/Plain Cost Control

Jane Genova: Speechwriter - Ghostwriter

The discomfort of extreme temperatures and the cost of the electricity for the air-conditioning to manage the heat should discourage retirees, those in semi-retirement, and the ones focused on cost control from relocating to Tucson, Arizona in Pima County. The day I pulled out of Tucson, in late August 2016, it was 122. Overall the cost of living is lower in eastern OH than in Tucson.

2018 40

Rescues: Give tax deduction for all dependent animal companions

Jane Genova: Speechwriter - Ghostwriter

This week the two of us have been traveling west to our new home in Tucson, Arizona.  That's the tragedy: Many hearts would open to animals who need homes if only they could manage that expense through a tax deduction. Those sad-eyed homeless animals we see in the animal rescue commercials will be history. That is, if we can convince the IRS to give a dependent deduction for our animal companions.

2014 47

Over-50 in Post-COVID-19 New World Order: The Moving Van Shows Up, Probably Multiple Times

Jane Genova: Speechwriter - Ghostwriter

  I chose Tucson, Arizona. My fixed expenses dropped more than a half. Huebner was the only person I knew in the Tucson metro area. Even more affordable than Tucson and Youngstown, with a world-class museum, several top universities within an hour, and people so much like the ones I had to leave in 2014. Relocation for the over-50 has become increasingly an issue. And an urgent one. 

2020 40

Dreams - Yes, You Can Still Do a Fire

Jane Genova: Speechwriter - Ghostwriter

  Before the Fire concept caught fire (pun intended), in pockets throughout the United States such as Tucson, Arizona, ordinary people were already able to shake off the need to work at what they didn't want to do. Some were even able to ditch the expense of a car by choosing a city with good public transit. "We're not even officially in recession yet, and already the prognosticators have begun that we're shortly going to see the end of the Fire movement."

2020 40

"Room" - Plasticity v. being ossified by economic trauma (e.g. Talia Jane)

Jane Genova: Speechwriter - Ghostwriter

The primary reason for her financial strain is that she is living in the ultra expensive San Francisco Metro area. Plenty of Millennials here in Tucson, Arizona, earn what Talia Jane does. "Room" chronicles the adjustment of a mother "Ma" and boy "Jack" to "real life." " They had been held captive in a shed for seven years. The child was born in captivity, the son of the kidnapper.

2016 43

City Apartments - Today The Seinfeld Bunch Would Be Commuting Out Of City To Work

Jane Genova: Speechwriter - Ghostwriter

  Last April I uprooted my communications boutique from the expensive New York Metro area to the less-pricey Southwest. And, yes, I live in a city: Tucson, Arizona.  "The result of this mismatch between urban living and urban employment is a new culture of city life, where leisure is king and work - outside of restaurants, stores and bars - is nowhere to be seen." 

2014 50

Arizona Dreamin' - And Other Retirement/Semi-Retirement Myths

Jane Genova: Speechwriter - Ghostwriter

"The monthly cost of buying a home - which includes mortgage payments, taxes, and insurance - jumped 14% between July 2017 and July 2018 … Comparatively, it only became 4% more expensive to rent a home over the same period."  The reality is that other locations, such as Eastern Ohio or parts of Idaho, may be less expensive. Renting a studio apartment in Vista Montana in Tucson, AZ was at $400 in April 2014.

Location-First Movers - How to Outsmart Ageism

Jane Genova: Speechwriter - Ghostwriter

The economies of cities such as Phoenix and Tucson are doing well. To reduce dental expenses, dental tourism to Mexico is common. In Bloomberg , Justin Fox points out there are two kinds of movers focused on work. There is the job-first relocation type. That person already has a job offer and is moving to accept it. Good for them.    Then there is the relocation-first type. That man or woman hopes that the new location will bring better luck on the job front.

Before Keying in Negative Review - The Law

Jane Genova: Speechwriter - Ghostwriter

With so much choice available, would anyone check out an apartment in Tucson, Arizona that, two online reviews claim, is the hangout for cockroaches? Battling a lawsuit is expensive and stressful.  Of course, those online reviews have power. They range from Yelp to Glassdoor. According to Pew Research , 82% of folks using the internet pay attention to them.

2019 40

Radical Saving, Not Spending, Is Sexy - Restaurant, Fast Food, Discount Department Store Sales Down

Jane Genova: Speechwriter - Ghostwriter

That content, to be posted on the financial institution's website, even included relocating overseas to reduce fixed monthly expenses.   In the residential complex where I bunk in Tucson, Arizona everyone has a story of the critical need to save, radically. Next to his rent, food must be his most expensive item. For a major online-only bank I had researched and ghostwritten about 10 articles on radical saving.

The Moving Van - Rethinking that Symbol and Lots More about Relocating from Connecticut

Jane Genova: Speechwriter - Ghostwriter

The rent in Tucson, Arizona was one half that in CT. The cost of living is even less expensive than that in Tucson. It's the dominant meme among those whose earnings have peaked or, after a career setback had gone on a downward trajectory: leaving Connecticut.    The gallows humor for that is the cliche request for the last person to leave to shut off the lights.

2019 40

Financial Services Firms - If You Don't Leave Us Alone.

Jane Genova: Speechwriter - Ghostwriter

  They had had the financial common sense to relocate from more expensive areas of the U.S. The pilgrims mastered the wonderful bus system in metro regions such as Tucson, Arizona. Because age bias is less in areas such as Tucson and Phoenix, they were able to land part-time employment at the local Fry's Supermarket and Home Depot. Yes, the lifestyle in southwestern AZ has become more expensive, very recently.

2018 40

Overseas Retirement - Angst about Many Many New Promised Lands

Jane Genova: Speechwriter - Ghostwriter

such as Tucson, Arizona, are losing their pull power. Ironically, the overall cost of living in Austintown, Ohio, has been lower for me than residing for 27 months in Tucson, from 2014 until 2016.    However, even those in which the cost of living is low, such as Mobile, Alabama, are more expensive that relocating to the Philippines.  Philippines. Belize. Lisbon, Portugal. Valencia, Spain. Ecuador.

2017 40

Look, Grandkids: We're Carless

Jane Genova: Speechwriter - Ghostwriter

Getting insurance when you're in that pickle may turn out to be an expensive ordeal.    Nerd Wallet reports that the expense for a car which travels 15,000 miles a year is $706 each month. The cities with excellent public transportation, for instance, include Pittsburgh and Tucson, Arizona. Relocation for retirement/semiretirement used to be relatively simple.    On the check list had been:  Cost of living.  Medical facilities.

2020 40

Choosing Our Battles - iGens Don't Expect Social Security, By 2035, Oldest of Baby Boomers Will Be 90

Jane Genova: Speechwriter - Ghostwriter

Since moving is expensive, most renters just swallow that kind of injustice. In Tucson, Arizona I found utopia. This is the era when members of the media scream about coming catastrophes.    What is supposed to be at the top of the list is the insolvency of the Social Security System. By 2035, reports The Hill , the $3 trillion in reserves will be depleted. Therefore monthly benefits will have to be reduced by 25%. So, public, be very worried.

2019 43

Buddhism = Accessible, Convenient, Low-Cost Path to Mental Health

Jane Genova: Speechwriter - Ghostwriter

Psychotherapy, even with good medical insurance, is expensive. At the Shambhala Buddhist temple in Tucson, Arizona, there was no fee when I had attended meditation practices and discussions. My co-pay would be $45 a session. And, as Olga Khazan reports in The Atlantic , 60% of counties in the U.S. don't have even one psychiatrist. So, no surprise, in this era of extreme stress associated with earning a living and coping with so much change, Buddhism is catching on.

2019 43

4-Legged Children - Taiwan Joins the Trend

Jane Genova: Speechwriter - Ghostwriter

That bypasses the expense of educating the 2-footed ones for a future in which they may or may not ever have proper jobs.    Here in the residential complex in which I live in Tucson, Arizona, there is only one couple with a child. Even in Taiwan, Karen Bender reports in The Atlantic, folks are opting for the 4-legged type of children.   Here is that coverage. And the Chinese are supposed to revere children. 

2014 43

Talk - Listen for Emotional Content

Jane Genova: Speechwriter - Ghostwriter

Expenses associated with home ownership are filled with uncertainty. My five-day car journey from Tucson, Arizona to Austintown, Ohio was the perfect storm. From the get-go, we speechwriters know that talk is about communicating with the audience's emotions. During pre-speech research, we ask the sponsoring organization what's in the hearts of the members of audience. What keeps them up at night?    What brings them inner peace and hope?

2016 43

"Excellent Sheep" By William Deresiewicz - Back In Eisenhower Era, We Poor Kids Were Shaped That Same Way

Jane Genova: Speechwriter - Ghostwriter

" They range from cookie-cutter alignment with the perfect persona of sophisticated, gracious, well-rounded, well-spoken to chasing achievement at the expense of all else. Here in Tucson, Arizona, where I have been for almost two years, I write on the topics I want for the clients I want to serve. The book about Millennial elite students by William Deresiewicz resonates. In May 2015, he published "Excellent Sheep."

2015 50

Facebook, Sunglasses, 50+ Year Relationships - Tipping Points Aren't Rational

Jane Genova: Speechwriter - Ghostwriter

Recently I had pulled up my roots on the East Coast and relocated my communications boutique, a difficult rescue do and myself to Tucson. During those 36 months I had rebuilt my communications business and figured out how to downsize my fixed expenses by relocating.  There it was on Facebook.   A post by a college acquaintance for sunglasses I could happily purchase for under $35.

2014 43

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. So does Tucson, AZ.  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. That's what the recent study by Bankers Life Center for Secure Retirement found. Where we're dropping the ball is on financing our day to day lives. For instance, the majority don't have a reserve fund for emergencies.

2019 40

Startup Pivots - Have No Expectations

Jane Genova: Speechwriter - Ghostwriter

Here in Tucson, Arizona, has been an acquaintance from college - Kathleen Huebner. In 2014, for me heading west represented a significant reduction in fixed expenses, without any need for a massive adjustment. In 2016, heading back east represents a minor increase in fixed expenses, with the need to adjust again. Every business has become a startup. Or should be. In a volatile global marketplace, driven by technology, everything can change on a dime.

Back In Demand - How I Went From Glut To Glue Holding Clients Together

Jane Genova: Speechwriter - Ghostwriter

Cut fixed expenses.  Eventually the smart move was to uproot myself from the youth-dominated expensive New York Metro area. I picked up that concept at Tamara Spiritual Center in Tucson, Arizona. It's what you sell. Then it comes down to how you sell it and how much wiggle room on price you allow, without damaging your brand.  Those are the fundamentals of being back in demand which I figured out in the past 34 months.

2014 50

Obstacles to Traveling Green - "Decesare v. Horn, Revel Transit"

Jane Genova: Speechwriter - Ghostwriter

Before my visit to Tucson, Arizona, I called a motorcycle dealer about my test driving one of their e-mopeds. The growing number of food couriers find the e-moped less expensive than maintaining a car and is faster than a conventional bike. Last July, a New York City bicyclist filed a lawsuit in New York State Supreme Court against a man riding an electric moped (e-motor scooter) and the company renting out that vehicle.

2020 40