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 - Rent for Studio Apartment in Vista Montana Complex, Tucson, AZ Starts at $560

Jane Genova: Speechwriter - Ghostwriter

Take the Vista Montana complex of about 100 units in Tucson, Arizona. On top of that $560 will be rental fee for a pet. As more rent instead of buy, it's increasingly Landlord Nation. The most painful aspect of that is escalating pricing for rentals, even for apartments not in major metro areas. The location is noisy, with lots of traffic to the Fry's supermarket and gas station. Behind the liquor store nearby the homeless often sleep by the dumpster.

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SuperBowl Monday - Keep Your Eyes on the Ground

Jane Genova: Speechwriter - Ghostwriter

Early one SuperBowl Monday I was walking the dog on a side street in Tucson, Arizona. Sliding scale fees. An unexpected consequence of the indulgences of SuperBowl Sunday is losing track of money. Lots of someones walk out of a bar or an overcrowded living room and drop their 10 and 20 dollar bills.    That's why it's worth the effort to keep your eyes on the ground SuperBowl Monday.

2020 40

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

Jane Genova: Speechwriter - Ghostwriter

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. A pet-rental fee and a fee for trash are added onto that. 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

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 individual coaching – sliding scale fees. 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

Forced into Retirement? - Jump-Start Joy Relocating to University Town

Jane Genova: Speechwriter - Ghostwriter

  Tucson, Arizona has the University of Arizona.   Some universities allow seniors to audit courses for no credit for a low registration fee. For individual coaching – sliding scale fees. The recession seems to be coming. That ups the odds that the over-50 will be forced out of their jobs - and possibly into retirement/semiretirement.

2020 40

New American Dream - Replicating The Old Neighborhood, As Renters

Jane Genova: Speechwriter - Ghostwriter

After ruling out Dallas, Texas and Barcelona, Spain, I surfed the apartment listing in Tucson, Arizona. The rent, even adding in the extras such as monthly pet fees, was half what I was ponying up. Theft, although high in Tucson, is low at Vista Montana. We have become a nation of renters. And depending on which personal-finance expert is doing the math, that's smart.

2015 50

Staples - Can office-sharing save this brand?

Jane Genova: Speechwriter - Ghostwriter

Now, on Campbell Avenue, here is Tucson, Arizona, a large Staples stands empty. For a fee, I will eventually be able to conduct my commercial affairs from the Staples within an easy commute from my home office. In cafes throughout Tucson, we hang out with our laptops and smartphones and conduct business. At the end of the 1980s, Staples dominated the small-business office supply category.

2016 43

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.     For individual coaching – sliding scale fees.

2018 40

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. 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. For individual coaching – sliding scale fees. Relocation for the over-50 has become increasingly an issue. And an urgent one. 

2020 40

Arizona Dreaming & Other Myths about Cheap Locations for Semi-Retirement/Retirement

Jane Genova: Speechwriter - Ghostwriter

In April 2014, I pulled up my little but pricey life in the New York Metro area and journeyed to Tucson, AZ.  Regarding the latter, yes, Tucson has a winter.   Let's cut to the chase: There was such a difference in the fee for keeping a roof over my head between New York Metro and Southwestern AZ that I was able to pay off debt. Other cost savings were in car insurance, vet fees, gasoline, and meals out. The vet fees are lower than those in AZ.

2018 40

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. Tucson had that going for it.   Take day trips versus vacations which incur lodging fees.      For individual coaching – sliding scale fees.

2018 40

The Rental Economy: That changes the rhetoric of sales, pitching

Jane Genova: Speechwriter - Ghostwriter

In Tucson, Arizona, where I recently relocated my ghostwriting/scriptwriting shop, I am renting a modem from Cox. Cox provided a $10 monthly special, waived the installation fee and was at my new apartment the day after I contacted it. IBM struggles as the economy shifts from buying to renting.   Here is the coverage of its latest revenue report in The Wall Street Journal (sub. req.).

2014 47

Cincinnati, OH - Homelessness Against the Law

Jane Genova: Speechwriter - Ghostwriter

In April 2014, for example, an efficiency apartment in Vista Montana, Tucson, AZ went for $400 a month. And those near retirement are told that Tucson is Paradise for fixed incomes.  Sliding scale fees. In Cincinnati, Ohio, the local judge ruled the homeless encampments illegal - three times. Essentially that makeshift housing is being defined legally as a public nuisance. After all, the area becomes dominated with tents, shopping carts, and personal belongings.

2018 40

"Red Hot Planet" Is How WaPo Describes Summer of 2018

Jane Genova: Speechwriter - Ghostwriter

  Before I migrated to Tucson, Arizona, from the New York Metro area, in April 2014, of course, I did my due diligence about the climate conditions. " At the end of August in 2016, as the temperature was rising to what would be a scorcher, the dog and I pulled out of Tucson, heading toward a more moderate climate, with all four seasons.     For individual coaching – sliding scale fees.

2018 40

Dreams - Yes, You Can Still Do a Fire

Jane Genova: Speechwriter - Ghostwriter

He developed low-cost sources of pleasure such as attending no-fee lectures and tech workshops.   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. "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

"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

New Aging - Urban Areas to Relocate From

Jane Genova: Speechwriter - Ghostwriter

It was only when I sensed that the rent would again be increased that I selected a destination - Tucson, Arizona - and in April 2014 uprooted myself.      For individual coaching – sliding scale fees. With aging can come lower earnings from work or fixed incomes. But, that doesn't necessarily mean that older people have to become "poor." 

2018 40

A Bear Market - One More Reason to Put Off Retirement or to Need to "Reverse Retire"

Jane Genova: Speechwriter - Ghostwriter

When I was based in the supposed Retirement Paradise of the Tucson, Arizona area, commonplace was that moment of clarity when those retired realized they had to scout up more income.      For individual coaching – sliding scale fees. The bull market, Howard Gold reminds us in MarketWatch , is 10 years old. If and when it turns into a bear one, the portfolios of those contemplating retiring or who are already retired could take a major hit. 

2018 40

Location-First Movers - How to Outsmart Ageism

Jane Genova: Speechwriter - Ghostwriter

The economies of cities such as Phoenix and Tucson are doing well.     For individual coaching – sliding scale fees. 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.

The School Year - Number of Suicide Attempts/Ideation Doubles (Vanderbilt Study)

Jane Genova: Speechwriter - Ghostwriter

In addition, I have traumatic flashbacks to that May in Tucson, Arizona.     For individual coaching – sliding scale fees. Until the Vanderbilt study, most of the attention focused on high schools was on the shootings. Obviously, going to high school in America had become entering the killing fields. Now, another danger has been unmasked. 

2018 40

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

Jane Genova: Speechwriter - Ghostwriter

At the Shambhala Buddhist temple in Tucson, Arizona, there was no fee when I had attended meditation practices and discussions. Psychotherapy, even with good medical insurance, is expensive. 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

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

Jane Genova: Speechwriter - Ghostwriter

  Dicesare contends that Revel leases for a $19 fee the e-mopeds but does not require hands-on, in-person training. Before my visit to Tucson, Arizona, I called a motorcycle dealer about my test driving one of their e-mopeds. Sliding scale fees. 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

Talk - Listen for Emotional Content

Jane Genova: Speechwriter - Ghostwriter

No fee. 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

P&G - The Company which Invented Brand Management Has Irrelevant Brands

Jane Genova: Speechwriter - Ghostwriter

On the two-hour commute back to Tucson, Arizona I take in a tourist attraction. For a fair fee. P&G has been a non-performer for a while. And, Jennifer Reingold in Fortune explains how it's trying to get its mojo back. In essence, the company which invented brand management in the 1930s has mostly irrelevant brands. That's because most of them cost more than private label merchandise. And we don't feel "guilty" about it.

2016 43

Toastmasters - Won an award my first night

Jane Genova: Speechwriter - Ghostwriter

  Well, I got to Toastmasters in Tucson, Arizona, I played it cool. The join-up fee is relatively small. It's one thing to write the script for a web presentation. It's quite another thing to have to deliver that talk. That's why I made it my business to attend my first Toastmasters meeting this evening. On June 30th, I am scheduled to talk for about 45 minutes on the web to college students about their careers. The series is sponsored by Talent Marks. 

2016 43

The New Aging - Hail, Hail, the Gang's Not All Here

Jane Genova: Speechwriter - Ghostwriter

Back in May 2014, in Tucson, Arizona, I first bumped into that reality.   Once I unpacked in Tucson, I journeyed to a retirement community in Oro Valley, AZ to treat Huebner to lunch.     For individual coaching – sliding scale fees. Researchers at the Stanford Center on Longevity confirm what we aging have been living: Becoming less social. Here are more details from The Wall Street Journal.

2018 40

Twitter: Is it too sophisticated for lots and lots of mainstream advertising?

Jane Genova: Speechwriter - Ghostwriter

I finally entered the ethos of Facebook when I drove cross-country from New Haven, Connecticut to Tucson, Arizona - with dog Lee K. Twitter has enough users who would consider ponying up a subscription fee to post. Nightly, when we hit the motel I would share with Facebook friends the ordeals and pleasant surprises of the day. Already waiting for me were messages from old college friends like Charlotte Toal asking where I was.

2014 52

Inflation's Back - Retiring Concept of Retirement/Retirees Unretire

Jane Genova: Speechwriter - Ghostwriter

Across the nation, even in supposedly affordable locations such as Tucson, Arizona, rents are climbing. Sliding scale fees. According to the Labor Department, consumer prices rose 2.9% during the past year, reports The Wall Street Journal. Obviously, inflation's back. And that has dire implications for anyone considering traditional retirement - that is, stopping working completely. 

2018 40

(Supposedly) Glamour Jobs - Worlds of Ailes, Lauer, and Maybe Even Moonves

Jane Genova: Speechwriter - Ghostwriter

  Two-thousand miles away from Fox News in Manhattan is Tucson, Arizona.     For individual coaching – sliding scale fees. The ongoing outing of alleged abusive behavior by those at the top in television, cable and network, raises the issue: Was there ever really a glamour job? First the exposes were about Roger Ailes. Then Matt Lauer. Now, The New Yorker fingers Leslie Moonves. 

2018 40

(Supposedly) Glamour Jobs - Worlds of Ailes, Lauer, and Maybe Even Moonves

Jane Genova: Speechwriter - Ghostwriter

  Two-thousand miles away from Fox News in Manhattan is Tucson, Arizona.     For individual coaching – sliding scale fees. The ongoing outing of alleged abusive behavior by those at the top in television, cable and network, raises the issue: Was there ever really a glamour job? First the exposes were about Roger Ailes. Then Matt Lauer. Now, The New Yorker fingers Leslie Moonves. 

2018 40

The New Aging - Bringing Back the Boarding House

Jane Genova: Speechwriter - Ghostwriter

" Currently renting an apartment for a couple in Tucson, AZ or here in Austintown, Ohio is doable financially. Some of the experiments should allow animal companions, for a small extra fee. More than 40% of those over-50 fear running out of money. That's what Transamerica found.    That scenario haunts even those who made all the supposedly right moves. They sold the family house in order to reduce the financial uncertainty of home ownership.

2018 40

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

Jane Genova: Speechwriter - Ghostwriter

One expat from Connecticut landed three part-time jobs in Tucson, AZ. Sliding scale fees. "Two age groups, 65 to 74 years old and 75 and older, are projected to have faster annual rates of labor force growth than of any others, according to the Bureau of Labor Statistics."  "  - Kerry Hannon, "Reaping the Benefits of an Aging Work Force," The New York Times, March 2, 2018. Here is the article.

2018 40

ThriveOn: Can it rebrand "Mental Health," Making It More Affordable, Effective?

Jane Genova: Speechwriter - Ghostwriter

The anticipated fee will be affordable - about $100 monthly. Yesterday, for example, I participated in a Science of Spirtuality meditation session at WellnessFirst, Tucson, Arizona. Startup ThriveOn has a lot going for it. Its mission is to rebrand "mental health." " That's the umbrella term which usually refers to everything from adjustment challenges during transition to persistent psychiatric disorders.

2014 47

Haunted Northeast Corridor: Aging Communications Pros Stuck in Past

Jane Genova: Speechwriter - Ghostwriter

 They still pony up the fees to attend conferences, including global ones. Professional life here in Tucson, Arizona has been amazing. Their stock portfolios must be good. They can afford the property taxes and maintenance for their outsized lodgings, both first and second houses. They make hefty contributions to causes. But for these communications pros, at least right now, their best work is behind them.  Everyone seems to know that.

2014 47

The New Immigrants: Hustling for better deal in writing (more pay, lower cost of living)

Jane Genova: Speechwriter - Ghostwriter

Ghostwriting is still wide open to us but there has been fee deflation. My apartment in Tucson, Arizona costs about half my current rent. A classic in the oral tradition, my grandmother Mary Miksza would recount The Fear.  She stood in line at Ellis Island to be examined to verify her good health.  If she didn't pass muster it would be back to nowhere economically in Poland.

2014 47

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

Jane Genova: Speechwriter - Ghostwriter

  In April 2014, I was among the Equity Refugees, migrating from the New York Metro area to Tucson, AZ. Add on: The $30 per month pet fee.     For individual coaching – sliding scale fees. They even have a label: equity refugees. They are the New Aging who are determined not to outlive their money. So they migrate from high cost of living locations such as Orange County, California, to more affordable ones like Phoenix, Arizona.

2018 40

GenRenter - Squeezed on Price, Many Other Terms and Conditions

Jane Genova: Speechwriter - Ghostwriter

They range from fees, up to $200, for letting you in during lockouts to the end of a grace period when the rent is due the first of the month.   In Tucson, Arizona, at the Vista Montana complex, the price for a studio apartment had been $400 in April 2014. It's palpable. Owners and managers of residential complexes across the U.S. have acquired tremendous power.

2019 40

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

Jane Genova: Speechwriter - Ghostwriter

They paid me immediately the affordable fee I set. 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. I am not alone in having been in the dark hole of near-has-been.

2014 50

The New Aging - Slide, Sometimes Slowly, Sometimes Quickly, into Homelessness

Jane Genova: Speechwriter - Ghostwriter

  That's what I wondered when I was living in Tucson, Arizona.     For individual coaching – sliding scale fees. Do the harsh conditions of being on the street make so many of the homeless look old? Or are more among the aging in the United States becoming homeless?  The short, mild winters attracted those who had no choice but to sleep outside. They bunked on the lawns of residential developments, in bus shelters, and in alleys.

2018 40

M. Lynn Rickert's Kitchen Table - Taking the Long Way Home

Jane Genova: Speechwriter - Ghostwriter

However, I broke my lease in Tucson, AZ. Affordable fees. On September 1, 2016, I returned to the Pittsburgh, Pennsylvania Metro Area. Back in mid August 1981, I had left to take a temporary assignment in Washington D.C.    I guess that's called "taking the long way home." " How the Pittsburgh region became home I don't really know. Memory is unreliable. What we recall primarily depends on who we are at the moment.

2018 40

Andrew Altenburg - Getting Him Back to Work

Jane Genova: Speechwriter - Ghostwriter

Working in an inbound call center in Tucson, Arizona can produce the ah-ha moment to launch an enterprise scripting for call centers.      For individual coaching – sliding scale fees. The documentary - "Aging Out" - by Huffington Post presents the soul-wrenching plight of Andrew Altenburg. Beyond young adulthood but, at 53, too young for government entitlements such as Social Security and Medicare, he is mired in financial difficulties.

2018 40