Unretirement Project

Retirement Redefined

What We Are UP To: Breaking Tradition Edition

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scarecrow flower art that is breaking with tradition

One of my Facebook friends recently asked what people were doing for the Thanksgiving holiday. Someone responded by saying since they’re not having a large holiday gathering, that they took a vote and are having pizza for Thanksgiving dinner. I love it! I know that things aren’t ideal right now and there are many things we would rather be doing. But we have to think about our health and safety. That doesn’t mean we can’t have some fun by completely breaking the traditions we’ve adhered to in the past. Here are a few of the things that we’re up to.

Feeling | Grateful

> Despite all of my grumbling about the pandemic, I’m very grateful to have my health, family, and work. I’m grateful for a nice home and plenty of food. I hope that during the Thanksgiving holiday, we don’t break the tradition of taking a moment to remember what we’re thankful for. 

Remembering | The importance of face masks

> I’m confident that I’m not the only person who is tired of the pandemic and the masks, sheltering, etc. But that doesn’t mean I’m going to stop doing my part. While it does mean that we won’t be able to do some of the things that we’ve enjoyed in past holidays, staying safe and healthy is most important. Keep wearing those masks!

Planning | When to put up the Christmas tree

> We have friends who have already put up their Christmas tree. You might be one of those people too. And we totally get the reasons why. Typically, we wait until December, but we’ve been wondering if breaking the tradition in 2020 would be the right thing to do. I can’t help but think I’m cheating the Thanksgiving holiday. Maybe that’s okay this year.   

Watching | Guardians of the Galaxy Vol. 1 & 2

> One tradition we will not be breaking is related to birthdays. My birthday is this month and we always watch the birthday person’s favorite movie. Mine is Marvel’s Guardians of the Galaxy. I love the soundtrack and the superhero fun. 

Working On | Our annual strategy meeting

> We typically try to get away once a year to set goals for our personal and professional lives. We call it our annual strategy session. Earlier this year, we were planning a trip to discuss goals and COVID-19 got in the way so we had the session at home. It worked well so we decided that we will be permanently breaking the tradition of offsite strategy sessions. 

Reading | Further

> Brian Clark is the founder of Copyblogger, a community dedicated to all things related to content marketing. I’ve been a big fan for years. He recently launched a once-a-week electronic newsletter called Further, focused on aging and finding ourselves as we age. I love the writing style and suggestions. Speaking of goals, one of his recent newsletters was about breaking the tradition of starting new goals in January. Why not just start them now?! 

Loving | David’s Teas

> When I’m regularly traveling, I love stopping in a coffee shop to try the seasonal teas. Pumpkin Spice Latte? I’m there! With the pandemic, I’ve been ordering some seasonal teas from David’s Tea. Some of my new favorites include maple oolong and sweet potato pie. 

Geeking | Jeff Granito Designs

> We’ve taken a fancy to tiki art. Our new favorite designer is Jeff Granito. Jeff has worked with companies like Disney, DC Comics, Sesame Street, and more. If you’re looking to add some tiki to your winter holiday season (and who wouldn’t?), check out his site for mugs, shirts, face masks, and more. 

What’s UP with you? Keith and I wish you the best of health and happiness. Thank you for reading Unretirement Project.

Image captured by Sharlyn Lauby long before the pandemic at the Conservatory & Botanical Gardens of the Bellagio Hotel in Las Vegas, NV

6 Tips For a Successful Phone Interview

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I feel good mental preparation for phone interview

I don’t want to spend a lot of time pointing out the obvious. The pandemic has been hard, and many people have lost their jobs. According to AARP, the percentage of long-term unemployed job seekers increased to 26.4% for those ages 55 and older. If you’re looking for a new opportunity, not only are you dealing with the challenges of searching for a new job but searching for a new job in the middle of a pandemic.

What I mean by that last sentence is that many employers are changing their recruiting process to make candidates feel safe. And that’s a good thing. For example, in the past, a candidate might have been asked to stop by the office for a short screening interview with human resources. Now that short screening interview is being conducted over the phone. 

And if you’re a candidate that has always felt one of your strengths is your ability to connect with individuals face-to-face, a phone interview could feel a bit weird. So today, I want to share with you six tips for having a successful phone interview. 

  1. Schedule the interview. Employers are not out to trick anyone. So, if someone calls you wanting to do an immediate screening interview, make the suggestion to schedule a time. If you receive an email to schedule a time, don’t feel compelled to do it right away. Find a time that works for you so you’re at your best. Obviously, you can’t wait indefinitely, but if you’re a morning person, opt for a date where you can speak in the morning. And vice versa. 
  1. Have your technology charged and ready. I know this sounds basic, but you’d be amazed how many people don’t do it prior to their phone interview. If you’re planning to take the call on your cell phone, make sure your phone is charged. If you’re using headphones or earbuds, make sure those are charged too. Be careful about using a speakerphone, because it can pick up ambient noises and you won’t sound clear. You want the interviewer to be focused on you and your qualifications, not how badly the call sounds. 
  1. Get into the interview spirit. Since the interviewer will not see you, it’s important to have your voice convey your enthusiasm. If it would get you into the interview spirit, get dressed like you’re going to an interview. Find somewhere quiet to take the call where you can sit in a chair (like an interview). You will sound better if you’re sitting with excellent posture during the call. It does make a difference in your voice. Test it out with a friend sometime. 
  1. Be prepared to answer the salary question. As a human resources professional, one thing I’m hearing from companies is that they do not want to waste your time (or theirs) if the salary isn’t a good fit. It’s possible that will be one of the first questions you’re asked. Be honest. And if you’re applying for a job that pays a lot less than you’re accustomed, be prepared to explain why. And, again, be honest!
  1. Plan to take notes. It’s possible that the interviewer will ask you to send a follow-up. Or the interviewer might tell you some things about the job or company that you want to remember. Have a pen and paper ready to jot down a few prompts. You can fill in the details after the call, but this could be very helpful later during the actual phone interview process. Especially if you discuss salary and benefits. 
  1. Have a couple of questions. Just because you’re looking for a job doesn’t mean you can’t ask some questions. At minimum, you should find out what the next steps are in the interview process. Before the interview, check out the company website and see if there’s a recent press release that you can ask about. For example, “I was on your website and saw the company’s announcement about XYZ product. Will this job have any interaction with that project?” You get the idea.

The phone interview is becoming very popular right now and honestly, they’re not going away any time soon. First, because the pandemic is still with us. And second, because companies are finding them very effective. So candidates will need to work on their phone interview skills to stand out in the process. 

What We Are UP To: Halloween Edition

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halloween yard flamingo skeletons

Fall is our favorite time of year. We’ve always enjoyed Halloween, even though we don’t dress up anymore. But it’s sad to say that this Halloween is going to be different, with the pandemic and all. That being said, we’re trying to still get into the “spirit” of the season. LOL!

Watching | Lucifer

> A couple of years ago, we started watching this show about the devil taking a vacation in Los Angeles and becoming the civilian consultant to the local police department. Then our relocation interrupted things. So, we’ve started watching it all over again. It’s a fun premise and not too heavy on theology. And it’s kinda neat watching it during the Halloween season. 

Loving | Pumpkin Spice

> One of the things that I love about Halloween is pumpkin spice everything. I’ve always loved pumpkin and now that retailers offer limited edition pumpkin spice flavors, I’m in heaven. Besides grabbing a pumpkin spice latte at Starbucks, I try to catch pumpkintopia at our local Trader Joe’s. Their pumpkin bisque is wonderful!

Remembering | Trick-or-Treating

> We’ve made the difficult decision not to participate in Halloween this year. Oh sure, we’re decorating the house for ourselves and indulging in all things pumpkin spice, but we’re not handing out candies. As much as we love seeing kids in costumes, we agree with the Centers for Disease Control that finding an alternative to Halloween might be the best thing to do this year. 

Feeling | Cautious

> We’re starting to hear more people in the science community talk about learning to “live with” COVID-19 – not in terms of contracting the virus, but in being able to carve out some sense of a new normal. Keith and I are still being cautious, but we did venture out recently and went to the Apple Store. It was our first trip to a non-grocery store since February. They did a great job. Took our temperature, everyone wore masks, and practiced distancing. We were cautious and comfortable.  

Reading | Compromised: Counterintelligence and the Threat of Donald J. Trump

> There are lots of books out there right now about the current President. Almost too many. Being a politics and news junkie, I decided that I would read only one. So, I chose “Compromised” by former FBI Deputy Assistant Director of Counterintelligence Peter Strzok. The book is very interesting, but I do feel the title is a bit misleading. To me, the book spends more time talking about how the FBI works and the nuances of counterintelligence than really the current political environment. While the book isn’t what I expected, I am finding it insightful. 

Planning | My Vote

> My parents always told me about the importance of voting, but it wasn’t until I met someone from South Africa that it really hit home. Every election cycle, she would get the word out about registering to vote and participating in the process. Why? Because she knew what it was like to have her vote taken away. It’s not too late to make your plan. The next election is November 3, 2020 – three days after Halloween. 

Working On | Computer backups

> We all know that backing up our devices is important. What’s equally important is cleaning out those old backups every once in a while. LOL! We’re making sure that we delete those old files so we don’t max out storage…and end up spending more on storage plans than we need to. 

Geeking | BYGGLEK storage

> IKEA and LEGO have teamed up to provide a storage solution for your LEGOs. The BYGGLEK collection offers different size boxes that you can store LEGOs inside and even create a little LEGO scene on top. A couple of months ago, I purchased the monster sized LEGO pirate ship, and this will be a perfect option to store some of the pieces. 

Let us know what you love about the fall season. What’s UP with you?

Entrepreneurship and Retirement: Your Next Adventure

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adventure in entrepreneurship is waiting, build yours

I’ve mentioned before how Keith and I schedule time every year to talk about our life. We discuss our business, personal stuff, and finances. One of the reasons that we started doing this is because we own a company, ITM Group. We thought it was important to talk about what our retirement would look like as entrepreneurs.

Freelancing, contracting, consulting or entrepreneurship…whatever you want to call it, is far more popular today than it was almost 20 years ago when we started our company. Many individuals have side hustles in addition to regular full-time or part-time jobs. Which is why it’s so important to think about retirement (and unretirement) in the context of both regular work and freelance work. Because the transition could be different. 

That’s not to say that the transition would be bad or difficult. Frankly, having a side gig while transitioning to retirement could be fantastic. It could offer a huge about of flexibility while at the same time provide some financial security.

In the book, “Your Next Adventure: Planning for Life After the Sale of Your Business”, the authors take the time to talk about five elements to consider when you have a business and you’re planning entrepreneurship in retirement. And as a side note: if you’re saying to yourself “I’m not really a business owner. I just do some speaking on the side. Make a few bucks each year.” Let me tell you – you’re a business. And you need to think about how you will manage that freelancing work during your unretirement journey. Here are the five elements to consider:

  1. Your social circles. When you own your own business or you have a side gig, you spend time networking and building relationships. At the point you start transitioning away from work, your social circles are going to change. Maybe not completely, but they will change. Are you ready to transition those friendships and build new ones? 
  1. Your family. Making the decision to work less, sell the business, or transition to doing different work is one that is best discussed with family and close friends. Especially if you have family members or really close friends who help out in the business. Keeping them out of the loop could create some unfortunate surprises.
  1. Your purpose. As a consultant, I spend a lot of time working. And I’m okay with that. But I’ve always been a person who likes a full plate. I honestly have no clue how I would spend my time if I was a full-time retiree. And it scares me a little. At some point, I will need to figure out how to provide purpose without owning a business. 
  1. Your wellbeing. A contributing factor to entrepreneurship is being physically and emotionally well. There are often long hours and sometimes sleepless nights. The last thing that anyone wants is for our failing health to drive our retirement plans. Finding time to take care of ourselves is important. 
  1. Your finances. Last and certainly not least, we have to think about our financial position. When you work on your own, there’s no pension plan. You have to finance your own retirement. Individuals will want to start planning for how their finances will be changing as the nature of their work changes. 

I think these five elements are great topics to keep in mind as you’re planning your transition toward retirement. Even if you don’t own a business or have a side hustle. But of course, we’re talking about entrepreneurship today. 

Even though the book didn’t mention it, that was one of the big takeaways for me. The things we need to consider for our transition to retirement are very similar regardless of our employment status.

Image captured by Sharlyn Lauby while exploring the streets of Chicago, IL

Can Remote Work Be a Way to Phase Into Retirement?

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computer desk image showing an image of a sign with caution rockstar at remote work

Right now, older workers are trying to make some decisions about their future careers and asking a number of important questions. Can I continue to work onsite? Maybe it’s time to retire? Or should I think about transitioning to an encore career? These are all very valid. There’s one other question to consider: Is it possible that remote work might help me achieve my retirement goals?

I recently listened to The Retirement Wisdom podcast, “Can Working Remotely Beat Ageism?”. The guest for this episode was Kerry Hannon, author of the book “Great Pajama Jobs: Your Complete Guide to Working from Home”. I will admit that the title of the podcast gave me a bit of discomfort. As a human resources professional, I hate the fact that ageism exists. But the realist in me understands that it does. And sadly, that it’s not going away overnight.

In the podcast, Hannon says that one of the biggest benefits to working from home is beating ageism. For organizations and individuals. Organizations can have older professionals work remotely and not worry about whether that person fits in with the younger members of the team. Older workers can benefit from being evaluated on their performance results and not how they look or act. 

Again, let me say that I hate, hate, hate ageism. And I particularly hate that Hannon’s remarks have some truth in them. But instead of thinking about remote work as a way to beat ageism, is there a way to think of remote work as part of a phased retirement strategy? Organizations benefit because they are able to keep skilled workers longer. Older workers can benefit by being able to still contribute while (possibly) downsizing to their forever home, commute less so they can fulfill caregiving responsibilities, and continue to save for their financial future.   

But working remotely doesn’t mean easier work. If you’re intrigued by the idea of using remote work as part of your phased retirement strategy, here are a few things to consider:

Do you want to be an employee or a freelancer? One of the first things you have to decide is how you want to pursue remote work. If you’re working for an organization that allows working from home, then great – you could be set. And if you don’t or you’re currently looking for a new job, do you want to make remote work one of your job must-haves? 

Do you have enough workspace? I mentioned earlier that part of your retirement strategy might be moving to a smaller home. If you’re planning to work from home, do you have the space to do it? In our last home, Keith worked in the dining room. With our new house, he has his own space and that’s important. 

Can you setup your workspace with equipment and technology? Once you have a designated workspace, you’ll need to think about what it takes to be productive. When we work in an office, we take for granted that we will have a desk, chair, and computer equipment. With high-speed internet. Getting the remote work office setup you want could involve spending some of your own money. 

Are your skills current? I believe working from home involves some different skills. A couple that immediately come to mind are technology and time management. You’ll want to take an inventory of your skills and decide if there are any you want to update or add. And you’ll want to find ways to gain those skills while working from home. If you’re accustomed to taking a class at your worksite, now you might read a book or take an online program. 

Are you mentally and emotionally ready? I’ve worked from home for over a decade. Socializing is different. You don’t have people to collaborate with all the time. There are distractions and temptations all the time. Some of them are fun (like cute panda videos) and then there’s doomscrolling. You have to figure out how to not snack all day and when you’re going to exercise. All of this contributes to the work from home experience.

Regardless of what’s going on with the pandemic, remote work has been increasing in popularity for quite some time. Is it possible to take advantage of a growing trend and make it a part of your retirement strategy? Possibly, but it takes planning so you’re ready when the opportunity presents itself. 

Estate Planning: Remember Your Digital Life

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artwork surreal facial features representing digital life

We recently wrote about estate planning, discussing what an estate is and our important takeaways from the planning process. If you are new to estate planning or want a refresher on some of the key aspects, be sure to check it out. We definitely had some eye-opening moments and many others that required some serious and informed discussion.

I mentioned previously that we are working with an attorney to create our estate documents. One of the things that struck me when reading the drafts was the volume of legal wording that covers your digital life. You know, Facebook and Twitter accounts, registered web addresses, and even just your Amazon account to name a few. And what about your Apple ID and password managers?

The point is, most of us can readily think of bank accounts, investments, and insurance when estate planning. But we tend to overlook who should be responsible for our digital streaming accounts when we can no longer Netflix and chill. Take a moment to think of the things you send to cloud storage and you will see why planning for your digital estate is just as important as who gets your home or car when you’re gone.

Good news – just about every web-based operation has already considered this and address it in their FAQ, help section or forums. In fact, many digital suppliers even include ownership information in their end user license agreements (EULA) or Terms of Service (TOS). You have carefully read all those, right?

It shouldn’t be a surprise that entire industries have cropped up around digital estate planning. Companies like AfterVault, Clocr and Everplans offer one-stop estate planning for your digital assets. Most of these are fee-based services which can help you sort through your digital life and document your plans in one place. Keep in mind that this will really be a separate place, different from where you document the rest of your worldly goods.

Which brings me back to our original estate planning process. We ultimately wanted a single place where we could document all of our financial, physical and digital holdings and plan for them when we’re gone. And we wanted to make sure all of that aligned with state and federal laws so that our heirs weren’t burdened with probate dispositions. For us, that meant working with an attorney who knew all about these things.

Digital estate planning has become so important that AARP wrote about it last year. The article is a great place to start to plan for after your digital life because they include a very helpful do and don’t section for crafting your digital estate plan. From there, you can decide if a digital vault is a good option or maybe research the pros and cons of online wills on Consumer Reports.

If you choose to look for an estate attorney, check out this Investopedia article with 10 questions to ask before engaging their services. They also include a few questions you should ask yourself after you have an initial conversation. Estate planning can be legally complex and emotionally challenging for you and your loved ones. Put in a little time researching your options and remember to include your digital life. Making informed decisions now will lead to peace of mind.

What We Are UP To – Productivity Edition

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wall art do you have what it takes for productivity

One of the biggest challenges I faced when I initially started working from home was productivity. When you’re in the comfort of your own home, it’s easy to get distracted and before you know it, you’re looking at an article about a guy who edited Disney characters into his photos. Over time, I’ve learned that integrating some fun distractions into my workday allows me to enjoy my time and still be productive. This month we managed to do just that: get a few important things done while enjoying ourselves. 

Watching | Ant-Man & Ant-Man and the Wasp

> Sometimes the key to productivity is allowing yourself a little downtime. We found ourselves faced with that earlier this month and decided to rewatch these Marvel movies. And we’re glad we did. We had forgotten how good Paul Rudd and Evangeline Lilly are together. 

Reading | The Flip Side

> While I have my own political opinions, it’s important to me to understand what others might be thinking. The Flip Side is a FREE daily email that presents both the left and right viewpoints to the top news stories. What I like about this site is that it doesn’t tell you one side is right or wrong. It curates both views and presents them side by side for you to decide. They also explain their curation methodology so you can determine if it meets your standard. 

Remembering | Estate Planning

> We haven’t forgotten about this project. Keith recently wrote an article about our estate planning takeaways so far as we update our wills and health care directives. Let me add a 4th takeaway to his list: it takes time. When it comes to budgeting your resources, keep in mind that even updating an existing will does take time. 

Working On | Cleaning up digital photos

> One of the things I love about my iPhone is that I can take a picture whenever I want. The downside to this is that I quickly accumulate a lot of pictures! So, I came up with a plan to organize them. My productivity trick is to schedule an hour a day for a few days and before I knew it…photos organized, and project completed. 

Feeling | Ready for some cooler weather

> I’m probably not alone in thinking it would be nice for some cooler temperatures right now. While I love sunshine and warmer weather, there’s a point where I’m just, “…on to autumn, please”. I know this year will be tough, given that we’re still trying to practice social distancing but I’m looking forward to wearing sweaters and soup season.  

Planning | Flu Shots

> We always get a flu shot. I realize it doesn’t protect us 100% but in my book that’s better than 0%. And I find that if I do catch something, it doesn’t seem to stay with me very long. I’m planning to have a very productive fourth quarter and staying healthy is a necessary part of that plan. 

Loving | Jot

> When I work from home (which is all the time these days), I like to enjoy a small cold brew in the afternoons. Helps with my afternoon productivity! I’ve been trying all sorts of cold brew concentrates and recently found Jot Coffee. It comes with a tablespoon for you to measure the perfect amount. Then just add water. BTW – you can turn it into a pumpkin spice cold brew with just a little bit of Coffee Mate pumpkin spice creamer. 

Geeking | Peloton Update

> I mentioned last month that we got a Peloton and I thought that I would provide a quick update. We’re both really liking it. We were unsure about the whole notion of “biking in the house” thing but there are hundreds of classes to choose from. We can always find something to fit the mood we’re in. And the most important part? We are regularly getting exercise, which helps with our productivity!

What’s UP with you?

Image captured by Sharlyn Lauby while exploring the streets of Anaheim, CA