Unretirement Project

Retirement Redefined

Older Drivers: Learning Technology Can Extend To Your Car

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drivers and their old cars on the streets of Havana, Cuba

At some point, Keith and I are going to have to think about getting a new car. Years ago as drivers, we became a one-car household. And our current car is over 15 years old. Having a reliable vehicle is important so we shouldn’t wait until we have to buy a car.

But you can see where I’m going with this. Today’s automobiles have a lot of technology! Our old car has a GPS system. Which of course we don’t use because it’s easier and more accurate to use our phones and Google Maps. But 15 years ago, GPS technology was fancy and a luxury! Since we tend to keep cars for a while, it’s important that we get the right technology that’s going to help us have a better driving experience. And what I mean by that is drive more safely.

If you’re not aware, AARP has a 90-minute self-guided online workshop about today’s smarter vehicles. It covers technologies like assistive parking systems, blind spot warning systems for drivers, and crash mitigation systems. The purpose of the workshop is to help people understand what these technologies do (and don’t do) so we can make educated decisions about the types of technologies we want to include in our vehicles.

As we age, one of the things that remains important to our wellbeing is having the ability to still get around. I think it’s fair to say that we don’t want to have to rely on people to drive us around for errands, etc. While those activities aren’t the most exciting, they do represent being mobile. And I’m sure we want to be independent as long as we can.

The Center for Disease Control and Prevention (CDC) talks about how older drivers need to be aware of the changes that happen to our driving skills as we age. Falls and motor vehicle crashes are the two leading causes of injury and death in older adults. The good news is that the latest technologies can help. They’re not designed to be a replacement for our driving skills, but they can offer assistance. If you know about them and you know how to use them properly.

While we’re talking about driving, there are other resources out on the Interwebs that can help you with your driving skills as you age.

  • AAA has a Senior Driving site which includes each state’s licensing laws, a driving health check-up, and how to have a conversation with an older adult about their driving.
  • The National Highway Traffic Safety Administration offers something similar to AAA with videos and resources to support older drivers including how certain medical conditions can have an impact on driving abilities.

Having a conversation about driving is very difficult. Many of us have been driving for decades. Maybe we haven’t had a traffic ticket in years. That doesn’t mean we can let our guard down about our driving skills – or those of other drivers on the road. And when it comes time to replace our current vehicles, we need to understand the latest automobile technologies so we buy features that make sense for our situation.

Image captured by Sharlyn Lauby while exploring the streets of Havana, Cuba

What Is the SECURE Act and Why Should You Pay Attention

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typewriter showing Time to Hustle related to SECURE Act and retirement savings

Last month, the U.S. Congress passed a spending bill that included bipartisan legislation called the SECURE Act (aka Setting Every Community Up for Retirement Enhancement Act of 2019). The Act is focused on increasing the number of people saving for retirement and the amount they are able to save. The President signed the spending bill and the SECURE Act into law on December 20, 2019.

Like most new pieces of legislation, there are new things we don’t know and things we will discover over time. To get us familiar with the law, I’ve put together a round-up of articles on the subject.

What is the SECURE Act and How Could it Affect Your Retirement? I’ve become a fan of Investopedia’s daily electronic newsletter. This article from them shares how SECURE could change our individual retirement accounts (IRAs), 401(k)s, and required minimum distributions (RMDs). 

SECURE Act Alters 401(k) Compliance Landscape. You might not be a human resources professional like me but I often find the best way to learn about subjects is from the point-of-view of the person who has to administer programs related to them. This article from the Society for Human Resource Management (SHRM) explains how 401(k) administration will change.

The SECURE Act. Like the SHRM article above, the National Association of Plan Advisors (NAPA) has put together a resource page on the new law. It includes the actual legislation, news articles, etc. NAPA is an affiliate organization of the American Retirement Association, previously known as the American Society of Pension Actuaries. 

A new law is bringing big changes for retirement savers, especially parents. Michelle Singletary writes a nationally syndicated column focused on personal finance for the Washington Post. This article does a nice job of explaining the highlights of the law as well as some of the downsides to the new legislation. 

5 Things Affluent Retirees Should Do Now that the SECURE Act has Passed. Don’t let the word “affluent” in the title deter you from reading this piece from Kiplinger. Like the Washington Post article, the author provides practical suggestions for anyone who is retirement planning.

At times, retirement can seem so far away that it’s easy to push these articles to the bottom of the reading pile. Retirement planning is an important activity. At some point, we have to start carving out time for it. That way, when it’s time to take action, our learning curve won’t be quite as steep.

What do you think of the SECURE Act? What questions do you have about the new law? 

Bookmark This! Over Age 55 Job Search Edition

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change made here such as a new job search

As we get older, our job search strategies change. Frankly, they should. I’m not talking about in terms of ageism or age discrimination (although sadly, both exist). What I mean is that our wants and needs in a job change over time. And that translates to a different kind of job search. 

One thing that doesn’t change is the fact that looking for a new opportunity is hard, and it takes time. Even when the labor market is candidate friendly. If searching for a new job is part of your plans, here’s a list of resources that may help.

The Business Case for Hiring 50+ Workers

Companies want qualified workers. To get them, the Society for Human Resource Management (SHRM) and AARP recommend that we look to the 50+ workers. But it may take some training and optimizing job design.

Are You Too Old for a Second Career?

Many workers are pursuing a career change as they approach retirement. Is a second career feasible? Could age be an obstacle to success?

How to Research a Company You Want to Work For

If you are searching for a new opportunity, doing company research is essential! Here are 5 tips for company research before that important interview.

How to Deal with Ageism During Job Interviews

Ageism is an issue in the workplace today. So how do you deal with ageism during interviews? Harvard Business Review shared 5 helpful tips to follow regardless of your age.

How to Apply Your Transferable Skills Toward an Encore Career

An encore career will require specific skills to be successful. Here are steps you can take to help apply your transferable skills to an encore career.

Job Seekers: There Is a Fine Line Between Persistent and Pest

Job seekers need to understand the fine line between being persistent and being a pest. Learn how to follow up the right way in a job search.

Searching for a job today is a bit different than it was years ago. Social media platforms like LinkedIn and Facebook have changed the game. This doesn’t mean finding a new job is impossible, but it does mean that putting the right strategy in place is the key to job search success. 

Image captured by Sharlyn Lauby while exploring the streets of Las Vegas, NV

What We Are UP To: Holiday Edition

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Christmas tree ornament pink holiday flamingo with Santa hat

Disclosure: Occasionally we receive free products for review or include advertising links in posts, but no one impacts the honesty of our opinions. 

The holiday season is upon us. It’s a time to be thankful and giving. And when I say giving that doesn’t necessarily mean buying gifts. There are so many no-cost things we can give to others like our respect and attention. Keith and I are excited to be spending the holidays in our new home. And with a new place I’m sure we will start some new holiday traditions. 

Working On | A New Christmas Tree

> Our last home was a little smaller than this one and a full-size tree just didn’t look right. For the past few years, we’ve had a tabletop tree. In this house, we have a bit more space, so we’ve decided on a full-size Christmas tree. It’s decorated with our favorite things like donuts, pizza, and tacos. LOL!

Watching | Once Upon a Deadpool

> I will admit that Deadpool movies are a guilty pleasure. After the release of Deadpool 2, the movie was re-released in a PG-13 format with the addition of Fred Savage and a holiday theme. We can get our Deadpool fix and some holiday cheer at the same time. I fully expect the debates about whether it’s a holiday movie. Just like Die Hard, which is definitely a holiday movie. 

Reading | Harry Potter and the Prisoner of Azkaban

> I finally got my hands on book number three in the Harry Potter series. Just started the book (no spoilers, please!) We’ve also been playing the Harry Potter Wizards Unite game on our phones, so I’ve been very curious about the character of Sirius Black. Can’t wait to see how it turns out! 

Planning | 2020

> I can’t wait to start saying it’s the year 2020! When I was younger, the year 2000 seemed so far away. Remember Y2K?! We thought the whole world was coming to an end. The good news is that we survived the turn of the century. And now we have a new decade to celebrate. 

Feeling | Excited

> The thought of a new year is always exciting to me. I spend time thinking about my accomplishments and set goals for the New Year. Now that we’re settling into our new place, we have no excuses. It will be fun to see what the year has in store for us!

Loving | Uten.Silo

>  The Uten.Silo wall storage unit was created by Dorothee Becker in the 1960s. She said it was inspired by her father’s drugstore. There was a hanging bag full of fascinating things waiting to be discovered. I’ve been fascinated by the piece ever since I saw it. Now I’m thrilled to have one hanging in my new office. 

Geeking | Amazon Echo

> We have several Amazon Echo devices. It’s been fun setting them up for the new house. If you have a few Amazon Echo devices and haven’t checked out the routines feature, it’s quite cool. You can set up your device to do a series of commands – like turn on the lights, tell you the weather, and then play your favorite music station. 

Remembering | Self-Care

> It’s easy during the holidays to over-indulge. While I certainly don’t want to damper anyone’s holiday celebrations, do take time to rest, relax, and take care of yourself. It might be having a cuppa tea and reading a good book. Or sleeping in late. Self-care is important. You will be thankful that you did. 

What’s UP with you? Keith and I wish you the best of holidays. Thank you so much for supporting Unretirement Project and cheers to the New Year!

Minternship: Is It the Secret To Encore Career Success

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window sign get a slice of this action minternship

We’ve been talking quite a bit about second careers, encore careers, etc. here on Unretirement Project. I ran across a newly minted term recently that might relate to it – minternship. It’s defined as a way for individuals in the mid-career stage to get real-world experience. So, think of it as an internship for thirty-year olds.

But that got me thinking. If it’s acceptable to do a minternship in your thirties, why not in your forties, fifties, or sixties?! The goal is still the same: learn a new industry or profession. Isn’t it better to try out a new career before going all in and then realizing you don’t want to do this for the rest of your life?

I can see minternships happening both internally and externally. If someone wants to change industries, a minternship allows them to learn about a new field. Let’s say you wanted to move from the private sector to a non-profit. Internally, a minternship could allow an employee to try out a new position. Such as going from human resources to marketing. Or vice versa. Finally, employees might want to do a combination of the two. Maybe moving to part-time status in their current role so they can work as a freelancer. 

Regardless of how a person does it, there is some planning and preparation that needs to take place. Here are six things to keep in mind.

  1. Get support from family and friends. Making this type of change is a family discussion. Even if you live on your own, there may be others that depend on you for caregiving or support. Talk with your family and friends about what you’re hoping to accomplish and how they can support you. 
  2. Make changes to your financial position. It’s likely that a minternship will not pay the same amount of money you’re making right now. It’s also likely that a minternship will change the benefits you’re accustomed to. You’ll want to take this into consideration as you’re thinking about a change. 
  3. Put your ego in check. Chances are you’re very good at your current job. Others might see you as an expert. Learning a new job or industry means you won’t be the person that everyone looks to. In fact, you’re going to be looking for others to show you the ropes. Get used to it. 
  4. Be curious. This goes with the conversation about your ego. We’re going to have to ask questions, read books, watch videos, etc. to learn more about the role and responsibilities. Some of that might happen on your own time. If you’re used to not going to training or spending time to stay current, you’ll have to change your thinking.
  5. Define what success looks like. It’s possible that a minternship might make you realize that you don’t want to make a change. And that’s okay. No, let me rephrase that. Finding out that you don’t want to make a change is success. It’s important to look back on this activity and see the positive. 
  6. Create a re-entry plan. At some point, the official minternship will be wrapping up and you’ll need to figure out next steps. While you might not have all the answers initially, it could make sense to journal the minternship experience and create a plan for what you will do once the minternship is over. 

Minternships could be a great way for us to test-drive new work experiences and make decisions about the future. But they can’t be done in a silo. With proper planning and communication, a minternship can help us figure out our unretirement. 

Image captured by Sharlyn Lauby while exploring the streets of Orlando, FL

Smart Home Technology Helps Aging in Place

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Las Vegas sign robot waiters cheers to good times with smart home technology

I ran across this article in ReadWrite about “The Key to Smart Home Success; Safety and Security”. It’s an interesting read that you might want to check out. Even if you’re not thinking about aging in your home.

Keith and I still have a few years before we’re of official retirement age (i.e. meaning we can sign up for Medicare and Social Security). But that doesn’t mean we’re not thinking about the home we plan to age in and how we can make that home as “senior” friendly as possible.

Obviously, that includes things like downsizing and making bathroom renovations to include grip bars in tubs and showers. But another area that we’ve been reading a lot about is using smart home technology. Hence, my mention of the ReadWrite article above. We’re using smart home technologies now to make our lives easier. Why not think about how smart home technologies can help us age in place?

But here’s the thing. We need to be deliberate when it comes to using smart home technologies. This isn’t simply about buying some gizmo and hooking it up to our home internet. Here are a few things to consider:

Learn how the Internet of Things (ioT) works. The Internet of Things (aka IoT) is a system of interrelated devices that connect with each other via the internet. A common example would be that I can view what’s happening in our home on my Apple Watch and iPhone using my Amazon web camera. The idea is that all of these devices work together to give me – the user – a more valuable experience. 

Think ecosystem. Keith and I were big holdouts when it came to the Apple ecosystem. We had iPhones and iPads but held back on iMacs and other devices. We had no idea how great the benefits were of being in the ecosystem. I’m not saying you have to buy Apple products but do think about how your devices will “speak” to or work with each other. Remember, the goal is to make things easier.

Research companies and services. Once we know how IoT works, then it becomes easier to identify those companies that might provide products and services that will be helpful. We can research who has ecosystems and who doesn’t. I hate to say it but the last thing we want to do is invest in products and services that won’t get along with other technologies. Or they sound cool, but they might be out of business in a couple of years.

Know how your home network is set up and functions. Getting internet at home is so easy today. Just call a service provider and they show up with a box and some wires. Just a couple hours later…poof! We have WiFi. But if you’re planning to use smart home technology to help with your aging strategy, then it’s important to know a bit more. Get educated on how the system is set up and how to do basic troubleshooting.

You don’t need to get a degree in engineering to become proficient with smart home technologies. But for all of those people who might be saying, “Ah, who needs the internet?!” keep in mind that smart homes are the wave of the future. It’s what people want. And it’s what companies are making. At some point, it is possible that all we might be able to buy are smart home technologies. No one wants to age behind a steep learning curve.

What We Are UP To – The Grateful Edition

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sign saying this is a good day next to a graffiti heart being grateful

Thank you so much for being an Unretirement Project reader. We’re grateful for your support. We’ve been UP to lots of exciting things in November. 

Feeling | Excited (and Exhausted!)

> Five years ago, we decided to move from Fort Lauderdale to Gainesville. Three years ago, we put a deposit on a house. Last week, we finally started moving into our forever home. To say it’s been a rollercoaster is an understatement. But we’re grateful to be spending our first Thanksgiving in our mess of a new home. 

Working On | Unpacking

> Needless to say, it’s all about the unpacking right now. And we’re tackling a few boxes a day. After having most of our belongings in storage for the past few months, it’s quite a treat to open a box and say, “Yea! I found it.” And “OMGosh, I forgot we owned this!” When we put our things into storage, we were wearing shorts. Today, we’re grateful to find our sweaters. Ha.ha.

Watching | Football

> Thanksgiving is a day for being grateful. But it’s also a day of celebration. We like to spend ours watching parades, football, and the Turkeys Away episode of WKRP in Cincinnati. We lived in Cinci years ago and always loved how the city embraced this wacky show and episode. 

Reading | Warranties and Manuals

> It’s not the most exciting reading. But it’s essential. While appliances are usually very intuitive, they also have more features. The hardest part is figuring out how to store all of these documents. In our last home, we created a file for each room and stored the manual for the item in the room’s folder. Very efficient and easy to locate the manual when necessary.

Remembering | Past Thanksgivings

> I don’t know why but holidays are always a time for remembering past holidays. This one will be particularly special since we’re in our new home. But last year, we took a cruise and it was fun. I guess what makes a holiday special is who you spend it with not where you spend it. 

Planning | Alton Brown’s Aged Eggnog

> I read an article recently on the Serious Eats blog about Alton Brown’s aged eggnog. We like eggnog. It’s a once a year treat. So now that we have a home and a new refrigerator, I thought that I would break it in by making fresh eggnog and aging it for one year. Ask me this time next year if I’m grateful for it. LOL!

Loving | Versed

> I’ve mentioned before that taking care of my skin is important. Especially as I’m aging. But I will admit that I’m not interested in having a 20+ step skin care regimen. Thankfully, I recently discovered Versed. It’s a Target-exclusive skin care collection that’s free of toxins, added colors, and fragrances. It’s also vegan and cruelty-free. Lastly, each item is under $20. 

Geeking | MOTILE Backpack

> I love traveling with a backpack and recently found one with a charger. Walmart’s MOTILE brand includes a laptop backpack with a wireless powerbank and a wallet with a Qi wireless charger. I decided to give them a workout on a recent trip and loved the storage. It’s great when form and function come together. 

We are truly grateful that you join us in this project. Have a wonderful Thanksgiving. And let us know, what’s UP with you?