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.

Financial Limbo - The 85,000 Gone Missing

Jane Genova: Speechwriter - Ghostwriter

Recently, even the major of the city of Tucson was carjacked in broad daylight by a miscreant with a gun. At stake are financial issues such as pensions and the ability to sell a house. Arizona is fertile territory for Thomas Asimou's legal niche. That Phoenix, AZ lawyer, reports Bloomberg , helps the families of the missing have that person declared dead. So close to the border, it is all too easy for both workers and tourists to wind up dead.

2017 40

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

Jane Genova: Speechwriter - Ghostwriter

To those categories of products, services, and creatures might be added financial services firms. Yet, usually with great authority the financial services firms predict millions of dollars will be needed for retirement or semi-retirement.   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.

2018 40

Becoming an Expatriate - Financial Necessity, Not Adventure for Aging Americans

Jane Genova: Speechwriter - Ghostwriter

Increasingly, it's become a option-to-be-considered for financially challenged aging Americans.   For example, parts of Arizona, such as Tucson and Phoenix, are low-cost and age-neutral. English majors (yes, at one time there were plenty of those) associate becoming an expatriate with adventure. And exotic career paths. Ernest Hemingway put down his creative footprint in Paris in the 1920s.

2018 40

USA Today - Can it make it financially on its own?

Jane Genova: Speechwriter - Ghostwriter

 The question is if print newspapers and other forms of media such as magazines can make it financially on their own.    The neighborhoods in Tucson, Arizona have receptables for the daily delivery of the Arizona Daily Star.   As for print books, there aren't all that many of them at the Tucson Public Library. The Gannett Company is spinning off its print businesses.

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. That facilitates ditching the financial burden of your own car. 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.

2019 40

Brand New York City - Only for Those with "Real Money"

Jane Genova: Speechwriter - Ghostwriter

In April 2014, I finally embraced financial reality. Where I had re-located - Tucson, Arizona - is also less and less affordable. But Tucson is not longer Paradise in the Desert. For instance, at Vista Montana apartment complex in Tucson, a 440 square foot efficiency had billed at $400 a month in 2014. Darkness can fall fast on both the young and the aging without financial reserves. However, that truism also is extending to myriad metro areas such as Tucson.

The New Bohemians (Part 4) - Why We Mourn Vanishing World of Alt-Weeklies

Jane Genova: Speechwriter - Ghostwriter

It was the now-dead New Haven Advocate alt-weekly which got me out of my despairing mood and into the snowy streets during the financial downturn. Right now, Tucson, Arizona, where I have relocated, still has the Tucson Weekly. At the Loft Cinema, an independent movie house, we read the Tucson Weekly in the dark before the coming attractions begin. Earlier this year, another alt-weekly died: the San Francisco Bay Guardian. The New Bohemians are still mourning.

2015 52

Snail Mail - Still Should Be Part Of Marketing Mix, Especially When Targeting Over-55

Jane Genova: Speechwriter - Ghostwriter

The mailer tends to get opened here in Tucson, Arizona. It was the flyer from a local furniture store arriving snail mail which triggered my buying a sofa bed from it when I moved to Tucson. What is a surprise is that my age group is not contacted more often via snail mail by financial services companies, lawyers managing estates, and dating services.

With Regret - The Top 3

Jane Genova: Speechwriter - Ghostwriter

In addition to the loss of lives, the pandemic created unexpected financial emergencies. After all, being stranded financially is not supposed to happen to adults. The two other financial regrets are not saving enough for retirement and piling on so much debt.    A third point of exit from falling off the cliff financially is the ethos of minimalism. The fallout from COVID-19 threw too many for a loop.

2020 43

Settling In - Not when making a good living requires non-stop pivots

Jane Genova: Speechwriter - Ghostwriter

There was one such neighbor in Tucson, Arizona. I had left the East Coast for Tucson in early 2014. At the time, Tucson was a good choice. Without the financial pressure of the East Coast, I had the luxury of making a pivot in what I should be marketing in my communications boutique. The cost of living is the same as Tucson's. Our generations of Baby Boomers and X were reared to find a way to make a living, marry, have a family, and buy a house.

2016 43

COVID-19 Fallout Putting the Kibash on Retiring/Semiretiring Abroad

Jane Genova: Speechwriter - Ghostwriter

Instead, I headed out west to Tucson, Arizona. One is financial uncertainty. Maybe this isn't the time to be making big financial decisions such as becoming an expatriate. Significantly lower cost of living (can make it just fine on only Social Security). High quality of life, including proximity to an ocean  Adventure. Possibility of operating online enterprise. All those have been hammered as reasons for the aging in the U.S.

2020 40

The Stayin' Put Society - Not Gambling on Opportunity

Jane Genova: Speechwriter - Ghostwriter

The main drags in Tucson, Arizona, are lined with pawn shops and other symbols of low incomes. For 27 months I lived in Tucson. Surprisingly, rentals were just about as inexpensive as those in Tucson. The first lease I had signed in Tucson was for $400, plus utilities. No, I didn't recommend to those financially struggling that they should start over again in a "foreign country" such as LA or Chicago.

2017 43

The Money Is Gone - What We Do Next

Jane Genova: Speechwriter - Ghostwriter

Alyssa Milano is the latest to contend she's in a state of financial ruin. Ever since the American economy had its big booms in that late 20th century, financial ruin had become a rite of passage. That family of four has become nomads, chasing after financial security.   Eventually he became financially solvent again, made yet one more album, predicted he would die soon and died just before the album was released.

2017 40

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

Jane Genova: Speechwriter - Ghostwriter

Some members of the media are hyping the financial advantages of uprooting and staring a new life  outside the U.S. 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.

2016 56

Home - Dangerous Symbol

Jane Genova: Speechwriter - Ghostwriter

That space could be 10 miles from the old neighborhood or 2,200 miles away from Connecticut in Tucson, Arizona. Another possibility is feeling a sense of accomplishment that we can do a FIRE - Financial Independence, Retire Early. Feel-good film classic - "The Wizard of Oz" - reinforced the old-line home meme. That was when Dorothy clicks together her ruby red slippers and recites the mantra:  There is no place like home. Maybe she was right. 

2019 40

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

He and his wife did a FIRE (Financial Independence, Retire Early). Yes, they did well financially in selling their house. 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.

2019 40

Nearing Retirement - Stocks Tank, Thinking the Unthinkable

Jane Genova: Speechwriter - Ghostwriter

Of course, my story of a severe financial setback at age 58 touched a nerve. It was impossible to move toward happiness if we measured ourselves against financially well-off relatives, colleagues, and friends.   A Native American outside Tucson, AZ, put it this way, "Never consider a place the last gas station in the desert."   Every month I look forward to my Edward Jones financial statement. The stock market is tanking.

2018 43

New York Writer: Doesn't seem to matter (much) any more

Jane Genova: Speechwriter - Ghostwriter

 Tucson, Arizona, to be specific. I have a hunch a newbie couldn't build a strong portfolio fast in Tucson.    In Tucson, my apartment costs half my New Haven, Connecticut one.   With all the work coming in at New York Metro prices and with a lifestyle costing peanuts in the southwest, could I become financially comfortable? Here I am in fly-over country, checking my emails in a motel.

2014 52

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

Jane Genova: Speechwriter - Ghostwriter

Essentially, Landlord Nation is pushing even the middle class into financial distress.   Take Tucson, Arizona. In addition, because of the low cost of living the adventurous, such as myself, migrated there to try out things with little financial risk.  That repositioned me from being cost-burdened to so financially liberated that I paid off all debts, ranging from car loan to credit card balances, within months. 

2020 40

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

Jane Genova: Speechwriter - Ghostwriter

Essentially, Landlord Nation is pushing even the middle class into financial distress.   Take Tucson, Arizona. In addition, because of the low cost of living the adventurous, such as myself, migrated there to try out things with little financial risk.  That repositioned me from being cost-burdened to so financially liberated that I paid off all debts, ranging from car loan to credit card balances, within months. 

2020 40

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

Jane Genova: Speechwriter - Ghostwriter

And, the moving van has become a symbol of the victory of financial common sense over comfort zones.  Immediately upon relocation, the financial piece got better - much so. The rent in Tucson, Arizona was one half that in CT. The cost of living is even less expensive than that in Tucson. I needed to check out personally if I could pull off financially moving back.  Financially, I couldn't afford to remain there.

2019 40

Happy National Startup Day - We can all share in the entrepreneurial mindset

Jane Genova: Speechwriter - Ghostwriter

I have lived just that during the last 27 months in Tucson, Arizona. The week of August 28th, I relocate the boutique back to as far east as I can emotionally and financially handle: very west Ohio. Today, August 4th, is National Startup Day. Most of us will never launch what would be comparable in success and job creation to Facebook and Google. But in our professional lives we can develop and nurture the mindset of the entrepreneur.

2016 43

"Retired" - Term Comes with Stigma

Jane Genova: Speechwriter - Ghostwriter

On the one hand, the financial services industry hammers the need to save from weekly paychecks at least 10% to ensure a comfortable retirement. In a capitalist society, hell-bent to make up the lost time after the financial catastrophes of the 21st century, those not actively pulling in income no longer are a source of value.  The irony is palpable.

2014 43

Sharing Economy - Uncertain Ride for Workers

Jane Genova: Speechwriter - Ghostwriter

Long-term financial planning just doesn't seem in the cards. Right now I have enough of a reserve for a down payment on a condo or eve a house here in Tucson, Arizona. However, I hesitate to rock the financial boat and stop being the renter I have been since 2004. They are called "microearners," reports Natasha Singer in The New York Times. They are the contingent workers in the Sharing Economy. They depend on assignments from the Ubers and TaskRabbits.

2014 43

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

Jane Genova: Speechwriter - Ghostwriter

On Medium, she posted her sad financial situation. 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

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

Jane Genova: Speechwriter - Ghostwriter

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. As financial experts advised us to, we sold the family house in Fairfield or Westchester Counties. Since April 2014, I have been running my communications boutique out of a $500 a month apartment in Tucson.

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

Jane Genova: Speechwriter - Ghostwriter

Instead they want to put themselves in the financial position that they select less work or work with less pressure. " The Federal Reserve Board documented one-third of retirees have found they need, financially and/or psychologically, to return to the labor force. 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. 

2018 40

Seattle - Disruptive Affluence Versus When A Car Is Home

Jane Genova: Speechwriter - Ghostwriter

On the one hand are the financially comfortable employees at Microsoft, Starbucks, and Amazon. In Tucson, Arizona, which had been hard hit by the real estate meltdown, some homeless squatted down in an alley in my neighborhood. Last night, after a Tucson recovery meeting anniversary party, there was plenty of food left over. Seattle has become a microcosm of the 2 cultures that increasingly are sprouting in locations which got lucky with disruptive business models.

Seattle - Disruptive Affluence Versus When A Car Is Home

Jane Genova: Speechwriter - Ghostwriter

On the one hand are the financially comfortable employees at Microsoft, Starbucks, and Amazon. In Tucson, Arizona, which had been hard hit by the real estate meltdown, some homeless squatted down in an alley in my neighborhood. Last night, after a Tucson recovery meeting anniversary party, there was plenty of food left over. Seattle has become a microcosm of the 2 cultures that increasingly are sprouting in locations which got lucky with disruptive business models.

Spirituality - Is It Letting Unemployed/Underemployed Off The Hook?

Jane Genova: Speechwriter - Ghostwriter

" That's what the man in his 40s announced in a group discussion at a Buddhist center in Tucson, Arizona. They gush about the calm they have achieved through spiritual practices and therefore are not frantic about their financial distress. "I will be losing my job." That was the right thing to do, given the organization's values of living in the now and embracing reality. That was then. He remains jobless.

2015 54

The 1% Economy: Homelessness Hits Home

Jane Genova: Speechwriter - Ghostwriter

But here in the Tucson Metro area, the weather hadn't brought any suprises. You got it, they "got behind," as is the euphemism in the Southwest for financial collapse. Weather. Think Polar Vortex. That was the primary reason given for Q1 2014 GDP growth being an anemic 1%.   Here is the coverage. Yet, there has been recent economic suffering. A bit of that hit home. My neighbors had on a long face.

2014 47

Dreams - Yes, You Can Still Do a Fire

Jane Genova: Speechwriter - Ghostwriter

During the bull market, the Fire (financial independence, retire early) dream became popular.   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

'Twas the Night Before Christmas, Most of the Money Was Gone

Jane Genova: Speechwriter - Ghostwriter

FIRE (Financial Independence, Retire Early). In 2014, when I did something similar - relocated to then-cheap Tucson, Arizona (no longer cheap) - I was vilified as a failure. However, it was through that initiative that I took the leap out of debt, not like so many of the older professionals The Wall Street Journal profiles as really in a financial pickle.  It's 9:34 A.M. (ET) ET) Christmas Eve.    The Dow is down triple digits.

2018 43

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

Jane Genova: Speechwriter - Ghostwriter

One solution to that financial pickle is to fold up the tent and relocate to a university town.   Tucson, Arizona has the University of Arizona. 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

Public Nuisance - Defusing Crisis With Humor

Jane Genova: Speechwriter - Ghostwriter

Trouble walked into the public library in Tucson, Arizona. Next In a McDonald's in the financial district, a unkempt man aggressively moved to the counter.  Next to him was his dog. The security force could have leapt into official action, that is, call 911. The man was dressed shabbily. His hair and beard went in all directions. There was that wild look in his eye. And, non-service dogs (this was no service dog) aren't permitted in that setting.

2015 50

Look, Grandkids: We're Carless

Jane Genova: Speechwriter - Ghostwriter

So, it's a downright financial necessity to review the availability of public transportation in the locations you are considering. The cities with excellent public transportation, for instance, include Pittsburgh and Tucson, Arizona.   The seriousness of this financial issue associated with car ownership has been reinforced this week.   The client has two children in college so he is financially challenged.

2020 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. On Facebook, bulletin boards for potential overseas retirees, and with financial advisors, we discuss the big picture and the nuts and bolts of starting lives abroad. Philippines. Belize. Lisbon, Portugal. Valencia, Spain. Ecuador.

2017 40

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?   But, if those being reviewed are a deep pocket with the financial resources to sue, they can stir up lots of trouble. 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

Meme of Extreme High Temperatures - Unintended Side Effects

Jane Genova: Speechwriter - Ghostwriter

I now live in one of them: Tucson, Arizona. Last Sunday, the temperature in Tucson, around 1:00 P.M., No fools, property owners get it that the smart financial path is to rent, not buy. The number of climate records broken in the last few years is stunning. It's been relentless." " - Tom Randall. Bloomberg, May 18, 2016. Here is the article. Bloomberg leveraged that meme of extreme high temperatures last month.

2016 43

Landlords-Tenants - Operation of the Invisible Hand

Jane Genova: Speechwriter - Ghostwriter

  Several years ago, in Tucson, Arizona, at the end of the lease, my rent went up about $50 a month. We followed the personal finance advice to unload the family house, with all its uncertain financial demands, and rent.  The gallows humor was: We kept up our credit rating not to get the best rate on mortgages but even to be able to rent an apartment. That ordeal could be worse than applying to get into a T-14 law school. It was the time of Landlord Nation.

2017 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. Freed up from extreme financial angst I rebuild my communications business and launched a startup for coaching those over-50.  My financial advisor is Michael J. Arizona  was  cheap.   Through the internet I had rented an efficiency for $400 a month.

2018 40

The New Aging - Bringing Back the Boarding House

Jane Genova: Speechwriter - Ghostwriter

They sold the family house in order to reduce the financial uncertainty of home ownership. " Currently renting an apartment for a couple in Tucson, AZ or here in Austintown, Ohio is doable financially. 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.

2018 40