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Create Opportunities to Get More Comfortable with Technology

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I’ve seen several headlines recently about seniors who are frustrated because they can’t get COVID-19 vaccine appointments. Because the majority of places offering appointments are doing so online.

I realize that it won’t eliminate the frustration, but I’d like to think that everyone realizes the reason that county health departments and retailers are using online technologies to schedule vaccine appointments is because its faster. Individuals can schedule their appointments at their convenience. The scheduling process involves fewer people, which allows those people to focus on the task of putting shots in arms. Which is what we all want. 

In an article on The Verge, I learned that only about half of individuals age 75 plus use the internet. Of course, not using or having access to the internet is not only frustrating for older individuals, but for organizations. In a study from McKinsey & Company, the COVID-19 pandemic has accelerated technology advancements seven years. Think about that. The McKinsey study is saying that we’ve put seven years of technological advancements in the past year alone. 

While I understand that having access to technology is an equally important issue, we’re going to save that conversation for another day. Individuals need to figure out how to get more comfortable using technology. It’s not about age. It’s about being able to get the things that you need and want using the technology that is available. 

Using Social Media in Unretirement: 5 Day Plans

Social media isn’t just some fad. It continues to grow as a communication medium, connecting business and personal brands with a vast global network. Whatever your goals, you can scale your social media activity up or down. Right now, we’re really experiencing the value of connection. Learn how to carry that forward into your own retirement and unretirement.

How to Become More Media Literate

As much as technology and social media have enriched our lives, those tools have also created challenges in being media literate. Each of us has been susceptible to misinformation on the internet. My guess is that won’t be ending anytime soon. This isn’t something to be ashamed or embarrassed about. Even professional journalists have had it happen. And the answer isn’t to stop using the internet. It’s to get better about questioning what we read and see. 

Healthy Aging is Trendy Thanks to Global Shift

For the first time globally in 2018, the number of people over 65 has surpassed those under 5 and that number has only grown since. The healthy aging trend has not been lost on Madison Avenue and other leading marketers throughout the globe. As a result, many brands are viewing seniors as a prized demographic. They are expanding their product offerings along with their marketing budgets to reach the over-65 consumer. And even a few brands that target a much younger audience are developing new product lines with healthy aging in mind.

Smart Home Technology Helps Aging in Place

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.

Organizations have the ability to create wonderful, valuable products and services for the aging population. My prediction is that many of those products and services will involve technology. Our ability to use technology could have a significant impact on our aging and retirement. It would be better to learn more about technology when you can do it comfortably at your own pace.

My First Virtual or Telehealth Doctor Visit

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robotic man looking into a mirror simulating a virtual or Telehealth doctor visit

Estimated reading time: 3 minutes

We all read the same headlines. COVID-19 infections are reaching record highs throughout the country. And, while the vaccine is starting to roll out earlier than expected, most Americans will experience the impact of COVID-19 at least for several more months. Winter is a particularly difficult time since it’s historically our cold and flu season.

That’s why I decided to change my last doctor visit, just before Thanksgiving, to a virtual one.

Telehealth is not new (believe it or not, medical professionals wrote about using the telephone in 1879 – just 3 years after Bell invented it), but it is gaining significantly in popularity. A July 2019 survey reported that only 9.6% of U.S. adults have used telehealth options. By May 2020, that number had grown to 42%. 

The biggest obstacle to telehealth appears to be lack of knowledge about virtual medical visits. I was fortunate that my family doctor advertised on his website that he offers virtual visits. I just called to convert my in-person office visit to telehealth. Here are a few things you should probably know:

  1. Telehealth is more than just a telephone conversation. The doctor will probably want to see you as well as talk with you. Think of it more like a Zoom meeting. Because of video, there may be limitations on the type of technology your doctor can accommodate so ask about your specific phone or computer when you make the appointment.
  1. Just like at an office visit, your doctor will want to know a few things about your current health up front. I was asked to provide my temperature, blood pressure, weight, and blood oxygen level. Fortunately, I own a blood pressure monitor and a finger pulse oximeter. And different offices may request different things so find out up front what information you need to provide.
  1. Not every insurance company accepts telehealth visits, so make sure your insurance will cover it. The major insurance companies all offer some form of coverage, but options can vary depending on specific plans. State laws also cover telehealth differently. 

My doctor’s assistant called me fifteen minutes before my appointment to make sure I was able to log-in. You will need a high-speed internet connection and video access via a smart phone, tablet, or computer. Don’t worry, if you can stream movies you have enough technology to get through a telehealth visit.

The actual doctor part was pretty much the same as an in-office visit, except that it was through video. We talked about my bloodwork, discussed my general health since my last appointment, and he answered a few of my questions. I didn’t really have anything that I needed him to look at or listen to, so my experience may differ from yours.

A recent survey shows that 48% of adults say that they or someone in their household either postponed or passed up medical appointments since COVID-19. Telehealth visits may offer an effective solution. We all just have to get comfortable with it. Once we do that, it could be a great solution that extends far beyond the pandemic.

Estimated reading time: 3 minutes

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. 

Can Remote Work Be a Way to Phase Into Retirement?

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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.

Retirement Planning Bot: A Unique Solution for Unique Times

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wall art bot representing a retirement planning bot

We’ve all seen the terms recently – unique, unprecedented, even surreal or seismic. Whatever you call these pandemic times, most of us can agree that they often require equally anomalous ways of dealing with them. Depending on how close you are to retirement, that could apply to your retirement planning too.

I was excited to see that Michelle Singletary, personal finance columnist for The Washington Post, has introduced a retirement planning bot to “see us through the coronavirus pandemic and beyond”.

If you aren’t familiar with bots, they are software applications which are programmed to complete certain tasks. In this case, the bot collects information about your financial situation and retirement plans and makes recommendations relative to both. I had the opportunity to run through the bot program and see first-hand some of their suggestions.

The good news is that this is all completely anonymous. While they ask specific questions about your finances, they don’t know who you are, and they don’t save any of your information. Along the way, you can hear advice and commentary recorded by Michelle. I’ll be candid: I didn’t always find them helpful, but I thought they were good reminders and could offer a little effective guidance, particularly for some people who may be early in their planning.

On the downside, the program doesn’t factor whether you’re planning as an individual or a couple. That can make a huge difference when they ask for retirement or bank account balances and earnings. The bot also doesn’t ask your expected retirement age. It just makes the assumption that you will retire as soon as you reach the age for full Social Security benefits.

The best thing about this particular retirement planning bot is that it provided a step-by-step guide with as much hand holding as you can expect from a robot program. And there is a little encouragement along the way provided you are doing something to fund your retirement. They even have some FAQs at the end.

A couple important things to focus on:

  1. This is not a replacement for your professional financial advisor. A single source of information is rarely enough for something as important as retirement planning.
  1. You may not agree with the assessment of your financial situation and your retirement plans. That’s okay. It doesn’t mean you are doing a bad job of funding your retirement.

I think the best way to view this tool can be found in their own description:

“We may not be able to capture everything about your financial situation, but it’s a place to start”.

Many people are very concerned about their financial situation right now regardless of when they plan to retire. This retirement planning bot may help relieve some of the stress as you think of future plans. Who knows? You may just be better off than you think. And, if not, you could get some ideas on how to get back on track.

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

Job Seekers: The 7 Skills You Need For Your Search

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job seekers skills for new job

Job security is on people’s minds today. We’re all seeing the same news about unemployment rates at historic highs. Whether you’re one of the job seekers currently looking for a new opportunity or not, it does make sense to always be thinking about your career and what options you have. 

One of the most important aspects to consider is how you would go about a job search. Let me dish out some tough love here . . . a job search in today’s technology driven world may require a unique approach. Here are a few skills for job seekers to consider:

  1. Goal Management. Careers are about goals. It might be to work for a certain company or in a specific field. You could have a goal to achieve a particular job title (like vice president). We also have career goals surrounding compensation, benefits, and perks. Or maybe the goal is to learn something like “graduate from the Culinary Institute of America” (also known as the CIA). Once we achieve one career goal, then we set another one. 
  1. Organization. We achieve our goals through planning and preparation. It’s possible that, to achieve some of the goals mentioned in #1 (goal management), job seekers need to save money, schedule time off from work, or take some classes. This could involve doing some research. For example, if one of your goals is to obtain HR certification, then you might need to research the requirements, ask your boss for reimbursements, schedule time to study, etc. All of this takes organization. 
  1. Prioritization. I wish I could say that once we set a goal, that’s it. But it’s simply not true. Fortunately, and unfortunately, we have other opportunities present themselves. Some of them won’t sway us from our goals. Others could be so tempting that we need to evaluate them alongside our existing goals. Understanding priorities is incredibly important in figuring out which path to pursue. No one wants to miss out on a once in a lifetime opportunity because they didn’t have their priorities established.
  1. Networking. Speaking of opportunities, you’re not going to get them if you don’t network. I know virtual networking can be hard, but job seekers have to find ways to stay connected. It’s one of the big pluses of social media. Having a network is critical for career development. Your network can help you find new job opportunities. It can also serve as an informal board of advisors. So, being able to build positive trusting relationships is the cornerstone of your future career.
  1. Curiosity. It’s possible that we will miss out on building relationships with interesting people and being a part of exiting opportunities if we’re not curious. I totally agree that there’s no rule that says we must say “yes” to every request but listening can be very beneficial. It can present us with options we never thought of AND it can confirm that the goals we’re currently pursing are the right ones. Understanding our priorities (see #2) can help job seekers constantly re-evaluate the new options being presented.
  1. Risk-Awareness. At first, I had labeled this paragraph Risk-Aversion, but then I changed it. Because it’s not always about taking fewer risks. Sometimes our careers will require us to make bold moves – maybe a relocation or an extra assignment. It’s about understanding the risks associated with the decision and being okay with them. It could also involve having a Plan B (see #1 – goal management) available in case you have to make a change in plans.
  1. Communication. Of course, you knew communication had to be on the list, which is why I made it last. All of the skills we’ve discussed involve having excellent communication skills – both verbal and written. You might want to journal your goals to remain focused. Or chat with a family member or mentor about the risk and rewards associated with a new opportunity. Either way, being able to communicate clearly AND being able to truly listen to feedback and guidance from others will be valuable.

While this list of skills might impress an employer during an interview, that’s really not what it’s for. It’s designed to be a reminder that, whether you’re currently an employee or one of the job seekers, you need to have some ownership of your search. And these are the skills that will help you be good at it.