Our retirement plans are ruined…and why this may be good news

By Neil Patrick

We all know the way our careers were supposed to go. Roughly speaking.

We’d get a bunch of qualifications, start work, change employers maybe four or five times, work hard, get promoted and then at around 50 or so have a comfortable cruise towards our retirement at 65. Then we’d be able to relax and enjoy the next 20 or so years.

We’ll that’s all gone now for most of us.

I’m sorry to say that it doesn't make much difference what your employer or financial advisor recommends. If you are a baby boomer in the US, UK and much of the EU, unless you’ve been so successful (or lucky) in your career that you are sitting on a very large pension fund, this version of our life story is a fairy tale.

You probably know this.

In the US, some 82 percent of workers aged 50 and older say it is at least “somewhat likely” they will work for pay in retirement, according to a poll released in October by the Associated Press-NORC Center for Public Affairs Research at the University of Chicago. Almost half of boomers polled now expect to retire later than they previously thought - on average nearly three years later than what they thought at age 40.

And this is just the tip of the iceberg. People have a habit of being unduly optimistic when thinking about their financial position if it’s much beyond the next year or so. It’s a combination of hope and difficulty in facing up to harsh realities.

Some of the other statistics emerging in the US are really horrific.

One in 6 reported having less than $1,000 in retirement savings and 1 in 4 working respondents aren’t saving for retirement outside of Social Security. Some 12 percent of non-retired people reported borrowing from a 401(k) or other retirement plan in the past year. Though 29 percent reported at least $100,000 in savings, some find even that’s not enough.

“All too often, people have a lump-sum illusion. They think, ‘I have $100,000 in my 401(k),’ and they think, ‘I’m rich,’” “said Olivia Mitchell, a retirement specialist who teaches at the University of Pennsylvania.“But it doesn’t add up to much. It certainly is not going to keep them in champagne and truffles.”

Make no mistake this isn’t a blip, or a phase. It’s a demolition of the life expectations of a generation. 

You can go searching for people to blame if you like. There are plenty who must carry at least a portion of the guilt. Personally, I think it’s more important to invest our energies in something more productive and positive.

Like working out what to do about this.

The good news is that humans are much more resilient and adaptable than we sometimes give ourselves credit for.

And when we are confronted with difficulties, we often respond in much more creative ways than we expect.

I have a friend who is 60. Two or three years ago he was on the face of it, doing well in his career in sales. He was the Sales Director for a booming manufacturing business. And much of that success was down to his drive and natural flair at finding clients and keeping them coming back for more. He’d be in his office every morning from about 7am, then from about 10am would be hunting down new clients and working on developing relationships with the current clients.

He was very, very good at his job. And the business was growing largely due to his abilities to win new orders and contracts. But I knew a different side. I knew that he was locked in a war with his boss. There was a huge power and personality fight going on. And this was steadily sapping my friend’s motivation and strength.

His stress levels were through the roof.

In the end he became ill. Very ill. He developed diabetes. He lost weight. He looked like a shadow of the man he used to be.

But he did the most sensible thing he could. He quit his job.

For a while he looked around for other jobs. But at 60, you guessed it, there was no-one interested in hiring him into the sort of job he just left. Especially since he’d quit at it.

Fast forward to today. I had a beer with my friend a couple of weeks ago. He looked strong and fit. He had recovered the twinkle in his eye and the infectious grin that he always used to have. He was happy and healthy again.

He hadn’t been hired into a new job. He’d created his own.

He was always great at DIY. And he loves doing it. He’s simply taken his hobby and turned it into his job. And by doing great work and looking after his customers better than almost any tradesman I ever met, he has far more work stacked up than he can actually do.

He's happier than he’s been for years. He has a job he loves and the customers are queuing up round the block.

Is he worried about his pension and retirement?

I doubt it, I really do.

New Zealand: Ageism is alive and kicking

By Raewyn Court

Ageism on the job and not enough cash to retire ... it's tough being a working senior

If you're in your golden years and don't think you have enough money saved for a comfortable retirement, you're in good company.

A study by recruitment firm OCG Consulting says only 6 per cent of New Zealand workers aged over 50 have sufficient savings for "financial security" and a "good lifestyle" in retirement.

OCG's report, Coming of Age: the impact of an ageing workforce on New Zealand business, shows the desperate financial situation of many older workers, as well as widespread workplace age discrimination.

The survey of 864 job-seekers and 56 senior business people highlights that by 2031, one million people will be of retirement age, yet six out of 10 workers over 50 today say their retirement savings are insufficient.

OCG chief executive George Brooks says the combination of financial necessity and frequent ageism is leading the country towards a socio-economic crisis as a generation of baby boomers prepare to retire.

"This is a human issue, a business issue and an economic issue," he says.

"It's not enough to say the market will sort it out because our analysis shows the market isn't, and these grim statistics need to be addressed."

The report shows that during the past five years, about 60 per cent of job seekers have seen or experienced age discrimination, including reduced access to promotion, less interesting jobs, lower remuneration and reduced training opportunities.

Brooks says that while similar surveys have shown a degree of discrimination, reports from employers and employees show ageism is more prevalent than realised.

Although close to half of employers agree that older workers are a largely untapped resource, few have strategies for ageing workforce participation.

Brooks says there needs to be a wider appreciation of the value older workers bring to businesses, including knowledge, experience, productivity and ability to handle a crisis.

"Financial need, coupled with ageism, is a very real economic, political and social problem," he says.

"It is individual firms and the workers they employ who make the decision to hire or not to hire an older worker. Solving this problem requires leadership and cultural change."

One company that rejects age discrimination is international beverages company, Frucor New Zealand.

"The age of an applicant, like their gender, is irrelevant," says managing director Mark Callaghan.

"By way of example, we have recently built a new distribution centre and wanted to improve the level of shift leaders.

"We made three hires - a man in his late 30s, a woman in her early 30s and a man in his 50s. What they had in common is that they were the best individuals for the job."

Callaghan believes there are many positive factors in employing an older person, such as experience, maturity, life balance and stability, as well as stickability.

"More mature workers tend to want to build a career with the organisation they are in. That is something we encourage at Frucor."

Half the senior employers surveyed in the OCG report cited negative factors in hiring an older person, including cost, lack of adaptability, health issues, IT illiteracy and lack of ambition.

Callaghan says these factors would be a concern - or at least things to consider - when hiring anyone, irrespective of their age.

"Lack of adaptability is not something that is exclusive to older people. Again, what is most important is the individual and their attitude."

This post originally appeared here:

http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=11148248

Do you have a career identity crisis?

By Marcia LaReau

Today, entire industries are collapsing at record speed. Trusted skill sets have become obsolete and new skills are in demand. In the midst of this unparalleled scope and speed of change, our future rests in our ability to sustain a credible career identity that is flexible, adaptable and embraces an inclusive, multi-cultural and global awareness.

How many times can one person experience an identity crisis?

Yes, that’s right…there have been several. When I finished high school I knew that I would major in music. There was no question in my mind that I was a headed for a music career. After college, I landed a job teaching at a state university and for over 15 years worked my way up through the ranks. Then came the first identity crisis—the “all too real” glass ceiling.

Over time I retooled my skills and conducted a semi-professional orchestra. My job was unexpectedly terminated— identity crisis Number 2. I went back to school for a performance degree and studied with a world-class conductor and pedagogue. After graduation while applying for new positions— 9/11. My entire industry took a hit***—identity crisis Number 3. I had to scramble.

I landed a corporate position as a Quality Control Analyst, then as a Training Director, but I was laid off after 15 months. With the help of some excellent career coaching I reinvented myself as a project manager and after 8 months re-entered the corporate landscape. Did you catch identity crisis Number 4?

Five years later, after I had transitioned to Human Resources, most of my division was laid off and the human resource labor pool hit market saturation. Meet identity crisis Number 5. I started my own business a year later in 2007. This is the sixth year of operations and I realize I’m going to make it.

As odd as it seems, I have already planned my next career identity and hope to achieve it within seven years. I’m no longer a victim. I’ve taken charge.





What is Career Identity?

My definition:

Career identity is the distinction given to ourselves or by an outside entity that defines the nature of the value that we bring to the work place. For example, Project Manager, Receptionist, Customer Service Representative, and Curriculum Designer.

Are people simply ambivalent about their careers?

Dr. Judith Sherven, PhD (who has over 6,400 followers on LinkedIn!), wrote the article: Why People Are So Afraid to Own Their Careers.

The primary reasons people gave were:

• Self-promotion is uncomfortable, 
• Office politics are “demeaning” and, 
• Reducing one’s career to a 90 second elevator speech is unreasonable and they didn’t know where to start. 

All these reasons are truly valid and they are all personal. The career crises in my career were a combination of individual crises and global and systemic changes that were completely out of my ability to influence.

NOTE: Dr. Sherven gives excellent tips on how to mentally process the primary reasons people gave for their personal career identity. She also brings action steps to manage those challenges. If you relate, please read the article.

New causes of a career identity crisis:

There are probably as many reasons for a career identity crisis as there are people who have experienced them. With the speed of change that is affecting commerce, I believe there are critical components that factors into the equation. Failure to do so is to be left on the side of the road.

The Great Recession, new advancements in technology, and demographic changes in our labor pool have, in my opinion, brought about identity crises for segments of the working population.

Here are a few examples:

• In the U.S. in 2012, college grads faced a combined unemployment and underemployment rate of 52 percent. This is partially a result of the high number of Millennials entering the workforce. 

• Tablets and other technologies have brought changes to the printing industry, especially newsprint. 

• Global communications have, in part, laid the foundation for countless technology jobs to migrate offshore to India and beyond. 

• With the emergence of social media, the marketing industry has changed dramatically and new skill sets have emerged as the former trusted skillsets have become obsolete.

• These and other change-agents have brought to the fore, the need to hone the skills to be able to change career identities throughout our work-life.

Gone are the days of the gold watch!

That’s right. There was a time when a person started their career with one specific job. Perhaps they processed orders, sold products, or analyzed business needs. They expected to stay with “their” company for the duration of their career. They looked forward, “with great pride” to the day they received a gold watch.

Not anymore.

Today, we are expected to change jobs every three or four years. The very work we perform at the workplace will not likely be there in four years (so thirty-five years…?). And finally, the gold watch. It too has become a relic.

Tips on creating your career identity:

Whether you are a recent graduate trying to establish your career identity, or you already have career experience:

• Be selective in your networking activities so there is time to establish real relationships and genuinely demonstrate your value to select members in your network. Choose carefully. 

• Routinely and intentionally find people that you respect and can serve as accountability partners. These are people you get to know well and connect with on a regular basis. Choose thoughtfully.

• Identify quality leaders and visionaries in your industry and follow them. Choose broadly. When an opportunity arises to connect with them, do so. 

• Especially if you are in your early career, find mentors who will challenge you and champion you on your career path. Choose wisely. 

• If you are in your mid or late career, select and mentor individuals who are finding their way. Choose liberally. 

• Make a commitment to your industry, to be informed and aware of the factors that may cause a change in direction. 

• Remain flexible, keep a global perspective, and be willing to embrace new cultures and new technologies. 

A four and eight year plan:

1. Think about the kind of positions or roles you would like to fill in eight years. 
2. Ask, “What kind of people are selected for these positions?” These become your target positions in four years. (Search for job postings and check out the Requirements to find the needed skills, experience, and training.) 
3. Now ask what kind of position you need now to be ready for the next step in four years. 
4. These are the positions you should apply for now. 
5. Once you land a job, watch for changes in your industry and adjust your four and eight year goals to change with the future forecast. 

*** Since 9/11 an orchestra has closed its doors every week. That’s approximately 630 orchestras.

Called a Creative Thinker, Career Futurist, and a person of unusual solution, Marcia LaReau founded Forward Motion, LLC in 2007. Since that time, she has become a recognized leader in the employment industry, and Forward Motion has spread across the United States and abroad to help jobseekers find jobs that fit.

Website: http://forwardmotioncareers.com/
Blog: http://forwardmotioncareers.com/category/blog/
Twitter: http://twitter.com/ForwardMotionUS

How to never lose your job (a reprise)

By Neil Patrick

In January 2009, Grant Cardone put up an article in the Huffington Post with this title.

To put that date in perspective, this was about one year after the start of the global financial crisis and 8 months after the collapse of Lehman Brothers.

I agree with some of his observations, but we now have the benefit of hindsight on events which have seen the unfolding of the worst financial and economic crisis since the 1930’s.

And this has shown that Grant’s viewpoint fell way short of the mark. Even in 2009, it should have been apparent that we were dealing with something other than a cyclical recession. We were (and are still) dealing with a systemic collapse.

So let’s take a look at what he proposed. He said:

There are two groups of people that will never be without work;

1) those working for companies and in industries that are selling enough product to keep them profitable.

2) Those people within those companies that contribute to the selling, yes the selling, of the products and services of that company.

Those that are able to drive revenue through the selling of the products and services of the company are the most needed and valuable people in that company. Warning: Assist the company you work for in bringing in revenue (selling products and services) or you are at risk of losing your job!

Fair enough, but to say such people will never be without a job is a massive over-generalization. And he hinted at this when he continued:

The question is, who will lose their jobs and who will not? If you notice the people that are losing their jobs today are attached to companies that are failing! Note - if the company doesn't do well, make profits, jobs are lost! (my emphasis). The next level will not be from failing companies but from those companies that don't want to fail! (sorry Grant, but I never came across any company that wanted to fail).

What he missed was the fact that (and I don’t care about the labels that economists apply here) we are not dealing with a recession, when everything gets tough for a while and then bounces back. In a recession, companies make less profit and have to scale back some of their expenditure, whilst trying to lift revenue.

Today is different. We are dealing with a systemic collapse. And in a systemic collapse, companies don’t just struggle, they die. In large numbers. And people's jobs die with them.

And whilst companies are failing every day, that’s a symptom not the cause of the problem. The root of the problem is massive over borrowing by western governments. Plus endless QE programmes by central banks that continue to deflate the value of our wealth and earnings. Plus much needed, but unaffordable healthcare programmes. Plus an ageing population. Plus soaring food and utility costs. Plus rising house prices at least in some regions thanks to misguided government interventions (yes, that’s you David Cameron).

Compared to this, the problems faced by businesses are miniscule.

The massive and naive gamble of western governments is that while contracting government spending, they can simultaneously boost the growth of private sector businesses. And it’s just not happening. Because governments are useless at this. They launch expensive initiative after expensive initiative. Every one sounds great with all the spin at launch. And then a year or two later they are quietly shelved when surprise, surprise they didn’t work.

So we are trapped in a Catch 22.

Western governments cannot spend their way out of recession. Their currencies are losing value and their assets are dwindling whilst expenditures continue to soar. Government bonds (misleadingly also called gilts) are showing diminishing yields as investors place less and less faith in the security of such instruments.

You only have to look at the situation faced by Portugal, Ireland, Greece and Spain to see what happens when a government’s borrowing options dry up.

But back to Grant:

Those that will never lose their jobs are those that go beyond the normal expected responsibilities and the duties of their post. Those that creatively extend themselves and take responsibility for assisting the company in revenue creation will never be let go. The job of selling the products and services of the company you work, will no longer be left to the sales force but become the responsibility of everyone that desires to continue to work for that company.

Sorry Grant, this may be true in a recession, but it’s just wishful thinking in a systemic collapse. It is of course also completely irrelevant if you work in the public sector where revenue generation is completely disconnected from the success or otherwise of your employer.

What happened to all those top selling people at Lehmans, at Bear Sterns, at MF Global, at Northern Rock? That’s right they lost their jobs with everyone else. And the subsequent devastation of the whole financial sector meant that only a minority could expect to find another similar job with another employer. And if you think that banking is not typical of the world of real jobs, what about all those folk employed by Detroit City who lost their jobs and/or pension rights? What about all those staff at Woolworths, Borders, Aquascutum, Comet and countless other retailers that have gone bankrupt?

So if no-one’s employment can be assured anymore, what are we to do?

The first fact to get a grip on is that there is no such thing as a secure job anymore. It makes not a bit of difference how good you are or how hard you work, your future is never assured. So despite Grant’s opinion, my belief is that not even the best sales people in the world can count on anything anymore.

Second, if you accept this first fact, you need to be preparing right now for the day when you lose your job. That means getting your borrowings down as much as you can and building enough reserves to ensure you can survive for at least 6-12 months with no income. At least then you are giving yourself enough time to hopefully find another job somehow.

But what is a job? Essentially it’s the means by which you earn the money to live and hopefully enjoy your life. And being employed by an organisation is only one of the ways you can do this. The numbers of entrepreneurs in their middle and later years are soaring right now. And whilst many report that they don’t earn as much as they used to, almost all report that they are happier and more fulfilled than when they had a ‘normal’ job.

All this means preparing yourself for the possibility especially if you are over 50 years old that you may never get another job again. But that’s not necessarily as catastrophic as it sounds. It might just be the greatest opportunity of your life. And this is how you can make sure you never lose your job, because you will own your job and your vision for your life goals. Not someone else’s. But you should be thinking about it right now and doing what you can to start developing your ideas and plans, because when the hammer falls, your clock will be ticking…

Baby boomers fueling wave of entrepreneurship

By Matt Sedensky

In a mix of boomer individualism and economic necessity, older Americans have fueled a wave of entrepreneurship. The result is a slew of enterprises such as Crash Boom Bam, the vintage drum company that 64-year-old Glay began running from a spare bedroom in his apartment in 2009.

The business hasn’t made him rich, but Glay credits it with keeping him afloat when no one would hire him.

"You would send out a stack of 50 resumes and not hear anything," said Glay, who had been laid off from a sales job. "This has saved me."

The annual entrepreneurial activity report published in April by the Kansas City, Mo.-based Ewing Marion Kauffman Foundation found the share of new entrepreneurs ages 55 to 64 grew from 14.3 percent in 1996 to 23.4 percent last year. Entrepreneurship among 45- to 54-year-olds saw a slight bump, while activity among younger age groups fell.

The foundation doesn’t track start-ups by those 65 and older, but Bureau of Labor Statistics data show that group has a higher rate of self-employment than any other age group.

Part of the growth is the result of the overall aging of America. But experts say older people are flocking to self-employment both because of a frustrating job market and the growing ease and falling cost of starting a business.

"It’s become easier technologically and geographically to do this at older ages," said Dane Stangler, the research and policy director at Kauffman. "We’ll see continued higher rates of entrepreneurship because of these demographic trends."

Paul Giannone’s later-life move to start a business was fuelled not by losing a job, but by a desire for change.

After nearly 35 years in information technology, he embraced his love of pizza and opened a Brooklyn, N.Y., restaurant, Paulie Gee’s, in 2010. Giannone, 60, had to take a second mortgage on his home, but he said the risk was worth it: The restaurant is thriving and a second location is in the works.

"I wanted to do something that I could be proud of," he said. "I am the only one who makes decisions and I love that. I haven’t worked in 3 ½ years, that’s how it feels."

Some opt for a more gradual transition.

Al Wilson, 58, of Manassas, Va., has kept his day job as a program analyst at the National Science Foundation while he tries to attract business for Rowdock, the snug calf protector he created to ward off injuries rowers call "track bites."

Though orders come in weekly from around the world, they’re not enough yet for Wilson to quit his job.

"At this stage in my life, when I’m looking at in the near future retiring, to step out and take a risk and start a business, there was some apprehension," Wilson said. "But it’s kind of rejuvenated me."

Mary Furlong, who teaches entrepreneurship at Santa Clara University and holds business startup seminars for boomers, says older adults are uniquely positioned for the move because they are often natural risk-takers who are passionate about challenges and driven by creativity.

There can be hurdles.

Though most older entrepreneurs opt to create at-home businesses where they are the only employee, even startup costs of a couple thousand dollars can be prohibitive for some. Also, generating business in an online economy is tougher if the person has fewer technological skills.

Furlong said many who start businesses later in life do so as a follow-up to a successful career from which they fear a layoff or have endured one.

"The boomers are looking to entrepreneurship as a Plan B," she said."

Antoinette Little would agree.

She spent 20 years at a law firm, starting as a legal secretary and working her way up to manage the entire office. The stress of working 80 hours or 90 hours a week and always being on call started taking a toll.

After being diagnosed with an enlarged heart, she said, "The doctor told me either quit or you’re going to die."

Little took a series of culinary classes and found a new passion, opening Antoinette Chocolatier in Phillipsburg, N.J. She misses her previous career and, though the store is now in the black, the profits aren’t robust. Still, she says she is having fun making chocolate, particularly when children press their noses against the glass doors to the store’s kitchen.

"I’m my own boss and you get to eat your mistakes," she said. "How bad could it be?"

Most boomer businesses are not brick-and-mortar establishments like those of Little and Giannone.

Jeff Williams, who runs BizStarters, which has helped Glay and thousands of other boomers start businesses, says most older entrepreneurs want to make a minimal investment, typically less than $10,000, to get off the ground.

He classifies about 40 percent of his clientele as "reluctant entrepreneurs" who are turning to their own business because they can’t find any other work.

Williams said owning a business also gives older adults the flexibility they desire and a sense of control while remaining active.

"To suddenly leave the corporate world and to be sitting around the house all day long? This is an alien concept to boomers," he said.

Glay says he needed the paycheck, but starting his business was also about keeping his mind engaged. He had worked for the same record company for 23 years when he was told to meet his boss at an airport hotel, where the bad news was delivered.

Though Crash Boom Bam hasn’t come close to replacing an annual income that crept into six figures, Glay says he’s busier than ever now, between the business, regular drumming gigs, and part-time work at a bookstore and a wine-tasting event company. Sitting among shelves full of drums and their shimmering chrome, he is reflective thinking about what his business means.

"The satisfaction of doing what I’m doing now is much greater, but the money is less," he said. "Even if it’s not making me a millionaire, I know what it’s doing for my head. There’s no price you could put on that."

Matt Sedensky, an AP writer on leave, is studying aging and workforce issues as part of a one-year fellowship at the AP-NORC Center for Public Affairs Research, which joins NORC’s independent research and AP journalism. The fellowship is funded by the Alfred P. Sloan Foundation and supported by APME, an association of AP member newspapers and broadcast stations.

This post originally appeared here:

http://www.sltrib.com/sltrib/money/57010864-79/business-older-glay-job.html.csp?page=2

How employers are wrecking lives

By Linda McSweeny

Spring is upon us, Australia's collective well-being is booming, and our economy is the envy of the world. Yet far from enjoying the fruits of their labours, many workers - even those in well-paying professional jobs - are living in fear that their livelihoods may disappear.

Whether it be the post-Global Financial Crisis unemployment horror stories filtering through from overseas; the rapid rate of technological change that has meant workers can be "on tap" 24 hours a day, or the rapid pursuit of material benefits, many workers fear that the only way they can stay afloat is to work harder and longer - often at the expense of their health.

Psychologist Dr Tim Sharp says work-related angst in Australia is very real. He says the GFC has shaken the confidence of many workers, particularly in industries such as banking, but he also says the modernisation of the workplace means we no longer have "jobs for life" and people are struggling to adjust to this new reality.

Edward* is 40. He has two university degrees, a loving family, and what appears to be the textbook life he craved as a young boy. But beneath the rosy surface lies a man sweating about job security. The operations manager for a global company rarely switches off from work, toiling from home at night and on weekends, juggling his smartphone and laptop and waking in the small hours to answer phone calls from clients. He often can't sleep because work issues pull him from his slumber.

Edward rarely engages in social activities or sport but tries to spend any spare time interacting with his two young children and partner, who works part time. He contemplates scrambling out of his work-heavy hole but can't fathom an exit plan. He says he has already made one career switch and doesn't fancy another.

"I know it's not sustainable for myself or my family to keep working around the clock and fixating on the fear that I could lose my job, but if I say no to my boss when he needs me, he'll find somebody who will do it," Edward says. He admits his fears were heightened after he watched three of his close work colleagues made to move on from their jobs in recent months.

The fear of job loss is real, even in Australia's reasonable economic climate, and researchers say there's mounting evidence of mental health issues arising from organisational downsizing and global economic crises.

Tony*, a 30-something finance worker, says he works about 70 hours a week to ensure he maintains his "high performer" status. He's also responsible for implementing downsizing operations and sees firsthand scores of colleagues increasing their work hours and input and/or turning to alcohol to cope with the fear of being the next worker asked to leave.

"I know that if I overperform and stay ahead of the pack, I'll be reasonably safe, though you can never really be sure of these things," Tony says.

But he feels battered by the consistently long hours, work-related travel and reliance on alcohol to alleviate stress. "I'm in my mid-30s but I feel like I'm 50 actually, I honestly do."

Those employees left standing in organisations or industries facing cuts often start to show signs of mental and physical stress as they fear being the next one to find themselves unemployed, according to studies cited by University of NSW psychiatrist and Black Dog Institute researcher Dr Samuel Harvey. Some push themselves into productivity overdrive simply out of fear of job loss.

Downsizing may increase sick leave and the risk of death from cardiovascular disease in employees who keep their job, according to a paper in BMJ (the former British Medical Journal). The results of the study, conducted in four towns in Finland during a severe economic decline from 1991 to 1996, were so stark, the authors called on policymakers, employers and occupational health professionals to recognise that downsizing may pose a "severe risk to health".

There was a clear rise in suicides after the GFC of 2008, with almost 5000 more suicides - primarily men - across 54 countries in Europe, the Americas and Asia in 2009, according to a new study published in the British Medical Journal.

"We know that just being in fear of losing your job is also associated with poorer mental health. Those people who feel less secure in their job have higher rates of mental health symptoms and lower rates of mental well-being," Harvey says.

Goldman Sachs boss Lloyd Blankfein recently highlighted what he saw as a mismatch between Australia's economic status and the attitude of its workforce.

"I've been coming here for a long, long time and during the past two decades of growth, growth, growth, people are always distraught, overwrought, wringing their hands about how horrible things are and, to my observation, they don't look that bad."

Real or imagined, a perception of job losses affects productivity, stress levels and family life, and researchers are trying to find evidence on which tools are best to help people deal with their fears, such as e-health and resilience programs supported by employers.

"What drives that perception is sometimes reality, but it's sometimes more about that individual and their way of viewing the world and their place within it. Some people are just worriers and we know that's a risk for mental health problems. But there's a lot of work going on now about whether you can help people build their levels of resilience and teach them techniques to alter the way they view some of these risks and the extent to which they ruminate on them," Harvey says.

Employers are being urged to help with the mental health of workers via the Mentally Healthy Workplace Alliance partnership between business, community and government. One of its aims is to find out what works and what doesn't when it comes to a mentally healthy workplace.

"Sometimes [job losses] have to happen, but certainly if people pause and think about the way they happen and the support given to individuals, we might be able to prevent some of these problems," Harvey says.

Sharp says the first step for workers is to seek information from their employer if they fear job loss to ensure they know what they're dealing with. Sometimes they can improve their performance, but other times, it may be beyond their control while an organisation seeks to downsize. For employers, they should reassure their workforce as best they can, to give employees a sense of security and stability.

Job loss was real for Sydneysider Nigel Marsh, who found himself "fat, 40 and fired" in 2003 and was so affected by the upheaval, he wrote a book about his experience, which is poised to become a TV series.

"For me, it was absolutely devastating," Marsh says. "I was a 40-year-old man with four children under the age of five and a wife who didn't have a job, so I thought my life was over. I thought I may never work again. It was totally devastating."

Marsh says he had an inkling of impending doom when talk of a merger involving the company that employed him began. Since the release of his book, he has received harrowing emails about people's job-loss stories in a society that he says glorifies overwork.

"You get this thing where people say, for example, 'Oh Amanda, she's so wonderful, she's always the first in, she's always the last to leave, she works every weekend, and she never takes any of her holidays', and you go, 'Well why are we holding that up as heroic when it's moronic or tragic?' It shouldn't be held up as, 'Oh yippee!', it should be seen as sad. Let's give her some help," Marsh says.

While his situation felt disastrous when it happened, the job loss gave him time to change his life. He took a redundancy package, wrote his book, lost weight, got fit, gave up alcohol and became more present in his family's life. He says any anxiety he has about job loss is now manageable.

"I've embraced the fear. I've tried to turn anxiety into anticipation. Until 40, I was taking a conventional approach to work; since then, I've been trying a different route," says Marsh, who now works in the corporate world, as well as being the author of three books, founder of the Sydney Skinny swim event, and a public speaker.

The key for employers to help in the mental health of their workers is to share information and ensure there are no surprises, says the University of Sydney's Workplace Research Centre director, Professor John Buchanan.

"If people get advanced notice, it makes a huge difference to their capacity to adjust and minimise the negative impact," he says.

*Names withheld

Read more: http://www.canberratimes.com.au/lifestyle/life/when-the-work-day-never-ends-20130920-2u42c.html#ixzz2fi3gI2Kf

Is this career suicide?

By Neil Patrick

We hear so much about the explosion of social media and how it’s changing the world, that it’s easy to think that everyone is involved.

Think again.

Naturally enough I whenever I meet my close personal friends, we inevitably discuss how their work is going. If I think about these guys, all of whom I've known for years (okay, decades) and who are all switched on, well educated professionals, I am constantly perplexed by the fact that they just don’t get social media at all.

I should start by saying that this is a very small and skewed sample. All of them are aged 50ish, and employed. They are all male and they all work in the UK. So this isn't in any way reliable research ‘data’. But they are a good sample of the type of people I am trying to help with this blog.

One is a lawyer, another is a mental health worker, one is a CEO, one is a senior civil servant, one is an accountant, and another works for a medical equipment company. Six middle-aged guys all accomplished professionals in their fields.

Every one of them depends on their job for all or nearly all their income. Sure, some have working partners, but in no case does their partner’s income exceed their own.

Firstly, none of them use Facebook. I actually think that’s fine. I don’t use it either simply because I consider it to be more or less irrelevant to my career interests. You may have a different opinion about Facebook, but essentially I consider it a low priority because I think it is really a platform for friends and family relationships, not professional ones.

LinkedIn is of course the only really serious social media site for professional networking. Of these six friends, only one has more than 500 LinkedIn connections and a 100% complete profile. Two have no LinkedIn profile at all. The other three all have fewer than 100 connections and don’t even have a photo on their profile. They very rarely even look at LinkedIn.

Moving on to Twitter, not one of them has a Twitter account. And you’ll not be surprised either that none of them has a blog.

So these guys are all pretty much not participating in the social media revolution. Even my friend who has over 500 LinkedIn connections is what I call a ‘passive’ user. His use of LinkedIn is really more or less just as a self-updating address book.

So what are the reasons for their decision to not participate?

The most common one, is, “I just don’t have the time for that”. The second is that they cannot see how it can possibly be of value to them. The third is that they generally have no idea of how they can leverage the power of social media.

But slowly (very slowly) they are waking up. What I have found in recent months is that more and more of them have moved on from their default position of the last few years, which was, “that’s a waste of time” and, “I’ve got better things to do”, to “Yes, I know it’s important, but I really don’t know what to do”.

So they are showing signs of acceptance of the way things have changed, but remain in denial, having changed their excuse from, “It’s not important”, to “I don’t know how to do it”.

I find I am having more and more discussions with them about how to leverage their LinkedIn profiles. But mostly, they are carrying on as before, making huge assumptions about how they ought to use social media, and generally getting it wrong in the process.

One of them recently lost his job in a reorganization. He was one of the guys that had no LinkedIn profile at all. Naturally I am doing all I can to help him recover from this situation. But I am sorry to report we have no good news yet.

Can I say that if he’d had a LinkedIn profile he’d not be in this situation? No, that would be naïve. It wouldn't have prevented him losing his job. And it wouldn't guarantee that he would find another one completely effortlessly.

But I am sure that if he had developed a strong personal online brand, a global network of relevant business contacts and a position as a go-to expert in his field, he’d have infinitely better prospects than he has right now.

I actually do consider him to be a real expert in his field. But just about the only people that know about that are he and I. So right now, we are facing an uphill struggle. He’s missed the train and the next one coming is going to be really slow.

He’s a survivor and a fighter though and so I think he’ll recover eventually, but this is sadly a big problem, when it so easily might just have been a little blip, or quite possibly a massive opportunity.

So, he’s now fighting for survival with dwindling personal financial resources and no significant opportunities on the horizon.

In some ways, it’s the stories of these guys and the many others just like them that I know, that have been an inspiration for me in writing this blog. Mind you I know also none of them read it...
plus ça change...

Tips for boomers to find ‘flexible’ jobs

By Andrea Coombes

A growing percentage of Americans say their retirement will entail some paid work, either because they’re worried about their lack of savings or because they want to stay active. But that doesn’t mean retirees are yearning for a 50- or 60-hour workweek.

Sixty-nine percent of workers said they plan to work for pay after they retire, according to the 2013 Retirement Confidence Survey by the Employee Benefit Research Institute.

And more workers said they plan to delay retirement: 36% of workers said they’ll wait until they’re 66 or older to retire (fully 26% said they’d wait until age 70 or older), up from 11% who said that in 1991. Read the study here.

Another 7% of workers said they don’t plan to retire at all.

If you’re among those who plan to continue working but you don’t want to keep going full-tilt, what’s the best way to find a good part-time or work-at-home gig?

The good news is that, anecdotally at least, there are employers out there looking to fill part-time jobs with experienced workers, and a number of websites aim to help people like you find those jobs.

And “part time” doesn’t have to mean a job at a fast-food restaurant or in retail.

“Some of the jobs employers are trying to fill are not what anyone would think of as an average telecommuting job,” said Sara Sutton Fell, founder and chief executive of FlexJobs, based in Boulder, Colo.

“These are high-level roles. They are very well suited to an older demographic who values flexibility and has the skills to bring to the table,” she said.

Some of the current openings on her site include “infrastructure management senior analyst,” firewall engineer, human-resources generalist and senior tax associate, Fell said. Some of the companies posting positions to the site include PwC (formerly PricewaterhouseCoopers), ADP and Xerox.

Tips for finding a job

Visit the job sites. You can search for part-time jobs onRetirementJobs.com, RetiredBrains.com, and Indeed.com, among others.

Meanwhile, FlexJobs only posts jobs that are part-time or flexible as well as professional (meaning they have opportunity for growth). The company vets each posting to make sure it’s legitimate (FlexJobs.com charges job seekers from $14.95 a month to $49.95 a year to see the listings).

Drop by. “If it’s an employer you know you want to work for, particularly if it’s a retail-based job, go in, meet with the manager,” said Kerry Hannon, a Washington-based career expert and author of “Great Jobs for Everyone 50+.” “Dress appropriately, drop off your resume and just say you’re available. Nothing beats a face-to-face meeting with somebody.”

Don’t rule out full-time job postings. For the right candidate, employers may consider alternative work arrangements. “Often, job-sharing arrangements and so forth come up,” said Tim Driver, chief executive of RetirementJobs.com and MatureCaregivers.com, in Boston. “It’s always worth exploring listings that are written as full time.”

Tap your network. Ask people you know whether they know of any part-time or telecommuting opportunities at their workplace—and whether they can put in a good word for you, Hannon said. “Employers love to hire people who they know or the people that work for them know,” she said.

Go beyond the big job websites. Interested in a nonprofit job, for example? “The Chronicle of Philanthropy has a great jobs board—that’s a good place to look for any kind of nonprofit job,” Hannon said, adding that “the nonprofits love part-time workers,” in part because those organizations often face budgetary constraints.

Ask your network about job boards, staffing companies and temp agencies that focus on your city or state. For example, a staffing agency called 10 til 2 focuses on part-time jobs in Colorado.

Hannon pointed to Flex Professionals, which lists jobs with flexible schedules in the Washington, D.C., area, and Special Counsel, which looks to place people in the legal profession.

Check with trade groups and your alumni association to see whether they know of or list flexible jobs. Also, college career centers often offer advice on career transitions, Hannon said. “A lot of them have great career coaches on staff who can help you with interviews and resumes.”

Visit universities’ online job boards. “Most of the big universities have job boards that you can check for part-time or full-time work,” Hannon said.

Avoid the scams

It’s no secret that many workers dream of working at home, and the idea is gaining acceptance among some employers, depending on the job type.

Still, “there’s been slower acceptance of that than even part-time work,” said Jill Ater, founder and chief operating officer of 10 til 2, the Denver-based staffing agency.

“Employers still want to see people, but sometimes you can start off in the office and transition once they learn to trust you,” Ater said. Job seekers might ask in the interview whether working at home is an option at some point. “See how the employer feels about it,” she said.

Unfortunately, the work-at-home dream is a target for scammers looking to separate you from your money, often by collecting fees upfront for equipment or information they say is necessary for their work-at-home “opportunity.”

As part of its premium service ($4.95 a month; you can cancel at any time), RetirementJobs.com offers a “Work at Home Guide” that lists organizations it considers legitimate, plus tips to stay safe.

Here are some other ways to steer clear of scams:

• Avoid ads that read like marketing copy. When looking for work, focus on ads that list a job title. “You want it to be a professional job posting and not marketing copy,” Fell said. “If it looks like they’re trying to get anybody to apply, that’s probably not a professional job posting.”

• Be wary of requests for money. Fell said the scam often goes like this: “We’re going to give you your own computer. We’ll mail that to you, but we do need to install some proprietary software on there, so you need to pay $400 for that.”

• Search for the company’s name on Google to make sure the website address given to you is legitimate. Sometimes scammers create fake websites that mimic real sites, to lure you to provide personal information or to send money. “They’ll mimic the names of the CEO, the director of HR, so the website really looks legit,” Fell said. “Unfortunately, they’re really good at it sometimes.”

• Search the company’s name with the word “scam” or “complaint” to see what others are saying.

• Be wary about sending personal information if the email address doesn't include the company name. “Make sure the job ad has the company domain name in it, rather than a general @hotmail or @gmail,” Fell said.

More resources

Here are some additional resources for finding part-time or flexible jobs:

Common Good Careers recruits for the nonprofit sector. Read more: Boomers: Get job recruiters on your side.

Idealist and Bridgespan also list jobs at nonprofit organizations.

Check out AARP’s page on working after retirement.

Encore.org offers a guide to finding work after 50.

Read more: Taxes, Social Security and your part-time job.

Andrea Coombes is a personal-finance writer and editor in San Francisco. She's on Twitter @andreacoombes.

This post originally appeared here:

http://www.marketwatch.com/story/tips-for-boomers-to-find-flexible-jobs-2013-08-29

Career and social media advice from one of the most influential recruiters in the world

By Neil Patrick

One of the things I love about writing this blog is the great contacts I have made because of it. Social media is such a powerful platform, that despite living in a forest in Wales, I’m in daily touch with amazing people all over the planet.

One of the most remarkable of these people is Axel Koster. Since 2002 Axel has been the General Manager of the Manhattan Group, a global executive search recruitment firm specialising in the luxury hotel, resort & event management sector, placing candidates from manager to VP levels. Axel is based in Melbourne, Australia.

Four and a half years ago, Axel picked up on the growth of social media and decided that it would be a powerful way for him to build a much stronger personal network. This would be beneficial to both his clients and job candidates. To say he has succeeded in his goal would be an understatement. Developing his own unique style of presenting relevant content, today he has over 360,000 followers on Twitter! This year, his Twitter following has increased every single month by around 10,000 people!

Axel has gone much further than most people in his industry and has created his own branded hashtag #AxelJob which helps spread his jobs fast and wide across social media networks. He has also created his #AxelHappy hashtag which is for motivational and inspiring Tweets. Axel welcomes other recruitment companies using his hashtags for the simple reason they give career seekers a better chance of securing suitable positions.

Axel Koster

Axel’s LinkedIn network currently includes 9,427 people, ranking him amongst the top 1% most viewed profiles on LinkedIn.

Kred scores Axel’s social media influence as 984 out a maximum possible of 1,000. He is now ranked in the top 10 people most influential people in Australia according to Kred. To put this in perspective, in January 2013, not one of the world’s largest pharmaceuticals companies with their huge marketing resources and budgets, scored more than 800 points on Kred. In case you are interested, the 3 highest scoring were Novartis, Johnson and Johnson and Pfizer.

But as you’ll discover when you see Axel's video below, he’s firmly of the view that big numbers should not be our goal in social media. He shares my belief that social media is about listening and helping, rather than telling and selling!

For the first 15 years of his career, Axel was a chef, rising through the ranks of his profession to become the Managing Director of the Templeton Marine Hotel in 1997. In 2002, he swapped the hotel industry for the recruitment industry.

So how did this former chef turn from being an accomplished but largely unknown hotel industry professional to a social media phenomena?

Since I am lucky to count Axel amongst my circle of friends, I thought I should get his answers to what I think are some pretty important questions for readers of this blog directly from him. Because he has the double qualification of being both a senior recruitment industry executive AND social media expert, he’s probably just about the most well qualified person on the planet to ask.

So here are my questions and his answers:

How do you think social media has affected the recruitment industry over the last 5 years?

Social media (SM) has become a very important factor in many industries and certainly within recruitment markets. It has fundamentally changed the way many companies now communicate and respond to different situations.

Companies without an SM presence are losing out and new firms with a better appreciation of SM are rapidly building market share. SM has also allowed many individuals to start their own company and work from home. For these people it’s important to also have a detailed understanding in their field and of course a strong network in their industry.

It is crucial for companies and individuals to establish an effective SM ‘footprint’. Establish a roadmap so to speak which allows us to understand and follow through on our own objectives and progress.

How valuable do you think social media is in advancing our career ambitions?

SM is often seen as an advancement in social flexibility and it says a lot about your personality and character. The challenge here is that there are so many new SM sites coming online so frequently. Which ones should you use and which will give you the best return on your time and investment?

There is no doubt in my mind that individuals and organisations with good SM presence and understanding have an advantage over those that do not. We all have to respond to the fact that modern communications technology has reshaped our lives in the last few years.

What should a mature professional that hasn’t really started building their social media profile do as a priority?

The first question you should ask yourself is what do you want to get out of it and which is the best SM site for you? Then do some research to discover how well different sites deliver against your requirements. Some sites work best for family/friend relationships. Others are more geared to professional or business connections. Match your site choice to your personal requirements.

It’s often a great idea to speak to some friends or colleagues if you are new to SM and ask them about their preferences, experiences and recommendations.

My belief is that we should all start by walking before trying to run. Make a start now, show your willingness to commit and half the battle is already won.

What do you think are the most important do’s and don’ts for professionals using social media?

The two do's are very clear for me: I feel passionate about positivity and sharing information to all avenues of SM but I dispute senseless negativity, bullying and hatred.

For larger companies it is imperative to have a procedure around who does what and what the content is all about. I often feel that larger companies are far better off engaging an experienced and skilled SM firm to get their message out in the best possible way. SM must have boundaries and they must be comprehensively stated and understood by everyone involved.

Individuals on the other hand can achieve wonderful impacts through SM showing their professional talents and building an appreciative audience. People only need encouragement and a bit of start up assistance to become pros in their own way.

I'm really blessed meeting so many people through SM and I have endless contacts through Skype, landline or just DM's with people which I would have never met without the remarkable tool of SM.

Axel has also produced this YouTube video as part of his YouTube channel in which he shares some great detail and insights about his thoughts about how we should all approach building our social media profiles:


Axel's Social Media Chat Blog -YouTube http://ow.ly/nYOgj

I’d like to thank Axel here not only for all he’s done to help me, but also the thousands of others who have benefited from his willingness to share his insight and experience. I've had the pleasure of speaking with Axel on various occasions now. What marks him out as special to me is his generosity, integrity, humility and down to earth personality. Perhaps these are the most valuable secrets of his success we can all learn from.

I cannot recommend strongly enough that you should connect with Axel in whichever way you prefer.

You’ll find him on Twitter @AxelKoster

You can also reach him and the Manhattan Group here: http://www.manhattangroup.co

Invite Axel to connect with you on LinkedIn here: ak@manhattangroup.co

Subscribe to his YouTube channel here: http://goo.gl/lsOR8N

Baby boomers reinvent their careers in the art world

inS By Jennifer Forker Associated Press One was a stockbroker, another a computer whiz. There's a therapist and a small-business owner. Each retired from a traditional career and launched into another in the arts.  "Do I still have nightmares about the other (job)? Yes," says Bill Sanders, a Steamboat Springs, Colo., ceramics artist who is retired from the lumber and wood flooring business he owned for 20 years. He says he still wakes up sometimes in a cold sweat worrying about whether some shipment is making it to a job site on time. Then he realizes he doesn't need to worry about that anymore.  These days, Sanders, 64, keeps to the outdoors - he skis during the winter and volunteers for the U.S. Forest Service during the summer - and creates his artwork, which includes dishware, decorative pots and sculptured horses.  He learned the basics of ceramics as a teenager living in Southeast Asia. He kept at it while growing his Honolulu lumber and flooring business to include eight employees and more than $1 million in inventory by the time he sold the company in 1997.  Then, he and his wife, Barbara, also an artist, moved to Colorado, and he turned to his lifelong love of ceramics more intentionally.  "Clay is kind of cool. It's just dirt," says Sanders. "If you don't like what you did, you just throw it back in the bucket and then you can make something else."  Jennifer O'Day, 61, of Austin, Texas, is a former stockbroker who says her mixed-media artwork nourishes all her senses.  "It really sharpens my ability to see visually and perceptively and I think tactilely," says O'Day. "It's not just about my mind and my hand accomplishing something. It engages that whole mind-body-soul thing."  She was born into a business-oriented family, so that was in her blood, she says. The art she nurtured.  "I wanted to do something that was closer to the bone and less about the money," O'Day says about the portraits she now assembles.  It's not just about my mind and my hand accomplishing something. It engages that whole mind-body-soul thing," she says.  There's one aspect of her old stockbroker life that she sometimes misses: engaging with clients.  Geri deGruy, 59, also enjoyed her previous career, as a therapist in private practice, although it was emotionally gruelling working with many of her clients, who were abused women. "Toward the end of my practice, there was a feeling sort of like PTSD," she recalls. She turned from being a therapist to the textile arts, which required that she slow down.  "I started seeing form differently. I started seeing repetitive patterns," says deGruy, who creates small art quilts and mixed-media collages. "My eye was developing, my seeing was changing."  She still works every day.  "Always our time is short - we never know," deGruy says. "I have that urgency every day. I don't want to waste this moment. I don't want to miss this opportunity to play with color."  Judy Hoch, 72, of Salida, Colo., finds parallels between her former career, as a computer engineer, and her current one as a jewellery maker.  "Jewellery making is just engineering on a very small scale," she says.  Hoch spent a dozen years at IBM, where she became a senior engineer and earned two patents, then moved into a computer software job, from which she was laid off in the early 1990s.  "I had to do something after that," she recalls. "Going back to work in high tech when you're 50-something, it wasn't a real good idea. It wasn't going to work."  She took jewellery and metals classes at a Denver-area community college and got hooked. She relies on her mechanical engineering training when fusing metals or cutting stones.  "It's a lot of fairly sophisticated measurements," Hoch says. "There are so many technical things . Engineering is a very useful skill to have."  While she describes her years in high-tech as fun - "like working with puzzles" - jewellery-making taps her creative energy.  "You spend a week away from it and you get terrible withdrawal," she says.

This post originally appeared here: 

http://www.mercurynews.com/real-estate/ci_23387850/start-new-career-an-artist-these-baby-boomers

6 Ways to Land a Job When You’re Over 50

By  Kerry  Hannonin

Are you kidding? Save for retirement? Seriously, there are far more pressing financial issues–like making ends meet right now and clinging to your current job, or worse, finding one, which I will help you with in a minute.

Financial advisors recommend socking away a whopping 15 percent of pay for retirement. Easier said then done.Backburner, baby.

The 2013 Retirement Confidence Survey published Tuesday by the nonprofit, nonpartisan Employee Benefits Research Institute once again told us what we already knew–workers and current retirees are less confident than ever in their ability to live comfortably in retirement.

That’s in large measure because most of us have no idea what that might cost.

Plus, retirement planning rarely has the pull of, say, saving to scoop up a vacation home on a lake, or socking money away for a sojourn around the world.

Few of us run the numbers about what we might really need to save in order to be able to stop working. We guess. We don’t seek out financial advice. We turn the switch. We wring our hands.

We justify our unrepentant lack of gumption to save and even think about saving to the rotten hand we’ve been dealt by the economy.

We need to save for living expenses today, not lock it away for the future. I hear this all the time when I talk to 50 + workers looking for a career transition, a new job, hope.

That’s what EBRI found: Asked to name the most pressing financial issue facing most Americans today, both workers and retirees are most likely to identify job uncertainty (30 percent of workers and 27 percent of retirees), debt and making ends meet (12 percent each). Just 2 percent of workers and 4 percent of retirees identify saving or planning for retirement as the most pressing financial issue.

The ‘what else can I do’ solution: We accept it. We’ll just keep working and never retire.

The age at which workers expect to retire has risen. In 1991, just 11 percent of workers expected to retire after age 65. In 2013, 36 percent of workers report they expect to wait until after age 65 to retire and 7 percent don’t plan to retire at all.

There’s nothing inherently wrong with that idea. I am a big fan of working not only for the money, but the mental engagement, at any age. And there are lots of ways to make that a reality with part-time, contract, seasonal gigs, and simply, more flexible options.



But the truth is my friends in their late 50s, who are out looking for work, tell me about roadblocks all the time.

They blame their age. And there’s more than a grain of truth to that.

But as I write in Great Jobs for Everyone 50+, there are jobs out there. And in my recent New York Times article, A Gray Jobs Market for All Ages, I highlight some jobs to ride the age wave.

There are plenty more to add to the list I mention there-senior fitness trainer, patient advocate, home modification pro and senior move manager. New ones are coming on line every day, but you need to look around you and use your imagination. And you probably need to add some skills and certifications to qualify for these positions.

Start now and ask: What goods and services are in demand by an aging population? What ways can those of us in our 50s, 60s and 70s tackle those needs for the 80 and 90+ set?

First, look to fields that are growing. These include healthcare (think a broad definition here), education, nonprofits, and even small businesses are eager to snap up an experienced worker who brings leadership, proven management, and problem-solving skills to the table every day.

The enthusiasm of youth only goes so far.

If job worries are what’s keep you from saving for retirement, here’s what to do.

1. Get physically fit. Employers worry about your future health. No need to blast out a fast mile, but when you are in shape, you exude vibrancy, energy. It’s positive juju. The real issue is not age, but oomph, curiosity, confidence and a desire to keep learning.Hiring managers are concerned that you may have age-related health problems, or are likely to, and that will be a problem if you take too much time off for sick leave. And, there’s the nagging issue that you’ve got an “expiration date,” and you’re not in it for the long haul.

2. Ramp up your techiness. Employers think you’re a Luddite. This is nonnegotiable. “Googling” should be a verb you use frequently. The best way to show a potential employer this is to have a social media footprint. That means a LinkedIn profile, an active presence in discussion group. LinkedIn can help you get job leads and seek advice. Stay active. Join alumni and industry groups. Build your professional network. A Facebook page and a Twitter account are often smart too, depending on the kind of job you are aiming for. In general, though, employers want a variety of ways to check you out beyond your resume.

3. Play up your knack for working with the younger set. Employers think you’ll bristle about taking orders from a younger boss who is probably making more than you. This is the time to weave your narrative about your mentoring skills. Use real examples of how you’ve worked successfully with younger colleagues and sought their reverse mentoring help with technology challenges and more. You demonstrate your willingness to learn and ask for help from someone younger, and how that relationship has worked in tandem with you coaching them on leadership and management strategies.

4. Spin your flexible nature. Employers think you won’t be open to change. You need to speak up about your flexibility in terms of management style, your technological aptitude, and your knack of picking up new skills. One of the biggest raps we 50+ get is our stubborn refusal to try new ways of doing things.

5. Find someone you know to hire you. Employers want someone else to vet you. People want to employ people they know, or someone they know knows. This reassures them that someone else trusts you. No one will tell you this straight out, but it’s true.

6. Seek out workplaces where you feel comfortable. Employers want you to “fit in”. Remember interviewing is a two-way street. Many employers want to hire someone who will be right for the culture and play nicely with others. If it’s a workplace filled with younger workers, and you really aren’t keen on the vibe, then move on.

If you really want to get motivated to save for retirement, I recommend you try out the Livingto100.com calculator. This tool, from the founder and director of the New England Centenarian Study, Dr. Thomas Perls, helps you estimate your life expectancy.

I discovered that my life expectancy is 93. Egads. But then again, my Irish grandmother lived to 98.

Looks like I’d better save even more for retirement.



You can follow me on Twitter, @KerryHannon I’m the author of Great Jobs for Everyone 50+: Finding Work That Keeps You Happy and Healthy … And Pays the Bills (John Wiley & Sons), available here www.kerryhannon.com. Check out my column at AARP. My weekly column at PBS’s NextAvenue.org is here.

http://kerryhannon.com/?p=2857

Job-Hunting Tips For Mid-lifers You Haven't Seen A Million Times Before

By Ann Brenoff Senior Writer, The Huffington Post

A few years ago during a job interview, a young recruiter asked what I hoped to be doing in five years. I suppressed a guffaw. It's a question recruiters have been asking for decades with the goal of learning about an applicant's career ambitions. The fact that I was pushing 60 at the time was what made it funny to me.

In my head, I said "In five years I hope to be collecting Social Security and laying on a beach in Hawaii, you little Pipsqueak" but out of my mouth came something like "I want to be working in a vibrant newsroom like yours, teaching younger journalists how to maintain professional standards by my example."

Midlifers get lots of advice about how to compete with younger applicants on job interviews. I'd like to throw out a few tips of my own based on nothing but personal experience. I'd point out to skeptics that I landed a job here at Huffington Post and will share that I had other offers before taking this one.

1. Emphasize your experience -- and yes that means acknowledging your age.
Lots of people tell you to make your resume age-neutral, meaning remove the years you graduated school. To those people I have to ask: Really? You think I'm going to pass for someone right out of college?

I would respectfully suggest that instead you emphasize the skills you acquired because of your experience -- your wisdom about workplace dynamics, your maturity at dealing with conflict, your grace under pressure and track record of success.

2. For those who lost their last job in the recession and remain unemployed in the corporate world, add what you learned from that experience as well.
Unemployment is a humbling thing -- and something we can grow from. Talk about it bluntly, calmly, objectively. You were laid off because of a contraction in the economy, not because you weren't competent.

If you are still eating and sleeping under a roof, chances are you have strung together enough gigs to eek by. In today's parlance, that makes you an entrepreneur. At the very least it speaks to your determination to plow through adversity. I think it's fine to let recruiters know that you suffered some hard times but also that you are someone who gets down to business and gets the job done. Just say it all with a smile.

And if you were smart enough to get some retraining so that you have a skills set that matches up with today's jobs market, discuss that too. Not even Millennials were born knowing how to figure out Facebook's privacy settings. Someone taught them, just like someone taught you.

3. Learn today's lingo but be true to yourself.
If you want to be hired by that insanely awesome company, you need to be confident about your place in it. But be yourself. If they wanted another 20-something hipster for the job, you wouldn't be sitting in the room with the interviewer.

Don't dress like a college student and don't talk like one either. Be yourself.

4. Don't act like a parent.
Nobody wants to work with their mother. This one was the hardest thing for me during interviews. I'm outgoing and personable. It's a trait that made me a good journalist. I make people comfortable when we talk.

But I also nurture by nature. I notice things like the absence of a wedding band on the hand of a 30-something and have to bite my tongue. The point is, I bit my tongue. You are there to discuss a job, not offer personal life advice.

A friend relates the story of being interviewed by a 20-something for a job working on a large travel website. The interviewer actually remarked that my friend was older than his father. Instead of lecturing the interviewer on the inappropriateness of his comment, my friend turned it around and started talking about what he was doing when he was the interviewer's age -- which was traveling the world hitching rides on barges throughout Asia and eventually working in management on a cruise ship. The interviewer suddenly stopped seeing his father and began seeing a fantasy version of himself. My friend got the job.

5. Don't assume that you're the smartest guy in the room.
This is an attitude midlifers slip into sometimes on the basis that they worked at a job for more years than the interviewer was perhaps alive. Truth is, the workforce has changed. And the skills required to do our jobs -- all of our jobs -- are different now than they were 35 years ago. Instead of doing the "been there, done that" thing, accept that your younger colleagues in fact know more than you do about a lot of parts of how to do the job. Treat them as peers, respect their knowledge and share yours freely.

6. Address the stereotypes head on.
We all know what they say about us, that we are techno-illiterates and can't be taught new tricks. Navigating the online world isn't brain surgery. What I don't know about, I know how to find out. I don't think midlifers are techno-illiterates as much as it is that our lives aren't as techno-centric as the lives of Millennials.

A few months ago, an editor asked me if I had a "texting relationship" with a source. I admit I hadn't before heard the term. She meant, do I text with the woman? No, but I routinely call her. Texting relationships feel one step removed from phone calls, but offer the benefit of not disturbing the person if they are asleep. Note to editor: They also are easier to ignore. I called.

This post originally appeared here:

http://www.huffingtonpost.com/ann-brenoff/job-hunting-tips_b_3361900.html