Technology Archives – Unretirement Project

Retirement Planning Bot: A Unique Solution for Unique Times

May 27, 2020 by Keith Lauby Leave a Comment

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:

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.

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

May 20, 2020 by Sharlyn Lauby Leave a Comment

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:

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.

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.

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.

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.

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.

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.

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.

Social Distancing: 5 New Things You Can Do

April 8, 2020 by Sharlyn Lauby 3 Comments

bar sign saying it's 5 o'clock somewhere for the purpose of social distancing

Depending on where you live, you’ve probably been practicing social distancing for at least a week or two. Maybe longer. It’s important for us to help flatten the curve and I’d like to believe that, by now, everyone knows that.

But let’s be realistic. Social distancing is hard. Keith and I work from home, socialize very little, and even we think this is hard. We’re cutting back on the few things that we enjoyed going out and doing. So, I can only imagine what others who are used to much more active social lives are feeling right now.

Like many, when we first heard about social distancing, it was an opportunity to dust off the to-do list and tackle some projects. We cooked at home. Started organizing the garage. Watched a few movies we’ve been looking forward to seeing. After that, a little bit of social distancing boredom sets in. We still need to stay at home but now we need some new activities to occupy our time and our mind. So, I’ve come up with a list of five things you might want to consider working on while you’re still at home.

Take a MOOC (massive open online course). If you’re not familiar with MOOCs, these are free online courses taught by some of the best universities in the world. In the past, I’ve taken a course on the science of happiness from Yale. Keith and I just finished one from Harvard on meteorology. Think about a topic that you’ve been saying that you want to learn more about – like investing – and see if there’s a course available. BTW – there is an interesting financial markets course offered by Yale.

Update your social media accounts. This is the perfect time to update your social media profiles, avatars, etc. Think of it as a social media audit. Be sure to also review the privacy settings for each platform as well. In addition, if you’ve been waiting for some free time to learn newer social media platforms like Instagram, this could also be a good time to slowly ease into it. That could lead to discovering even more activities such as Instagram’s “Photo A Day” – which is very fun.

Research the candidates running for office in 2020. Oh, and sign up for a mail ballot. For some, the last thing you might want to do right now is pay attention to the news but let me toss out another point of view. Now is when we get to see how political candidates handle the tough times. We get to see if they really act effectively and in our best interest. In addition, it will only take a few moments of your time, but find your supervisor of elections website and sign up for mail ballots. That way you know that you will be able to vote in the primaries and in the general election.

Attend a virtual event. Everything I’ve mentioned so far you can do on your own. If you’re missing human interaction, consider attending – or even hosting – a virtual event. You can sign up for a free account from Zoom and coordinate a virtual coffee meeting or happy hour. Netflix has a “party” feature where you can watch shows or movies with friends. Social distancing doesn’t mean we can’t see our friends, we’re just going to have to wait a little longer to be in the same room with them.

Stay healthy. Finally, don’t forget about your own health and wellbeing. I know that in many places, we can’t go to our hair stylist or a day spa. Keith and I have found it challenging to get fresh fruit and vegetables at the grocery store. Gyms, health clubs, and exercise studios are closed. But that doesn’t mean we’re not trying new foods and new ways to get activity. We just discovered an app called “The Walk” (available for Apple and Android devices) that coordinates activity with a story about saving the world just by walking. Oh, and you will ultimately be walking the length of the United Kingdom.

My hope is that today’s post offers a bit of creative inspiration to keep your social distancing activities interesting. This is a tough time – even for a mega introvert like me. If you have some tips or resources for keeping things from getting too boring, share them in the comments. We’ve love to hear them.

Image captured by Sharlyn Lauby just off Duval Street in Key West, FL

Older Drivers: Learning Technology Can Extend To Your Car

January 22, 2020 by Sharlyn Lauby 1 Comment

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

Smart Home Technology Helps Aging in Place

December 4, 2019 by Sharlyn Lauby Leave a Comment

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.

How to Handle Ageism In the Workplace

November 20, 2019 by Sharlyn Lauby 1 Comment

workplace sign against ageism showing a place for all people

Last year marked the 50^th anniversary of the Age Discrimination in Employment Act (ADEA), which prohibits discrimination against individuals 40 years of age or older. In a survey on ageism from AARP, nearly 2 out of 3 workers have experienced some form of age discrimination or age bias. This is a huge issue for organizations and employees.

I recently received this note from an HR Bartender reader. Given the statistics above, I think it’s a very appropriate conversation for over here as well. The story is a bit long, but one that might resonate with many.

I’m looking for some advice and came upon your site. I’m asking for a friend (honestly). My friend is 62 years old, not computer savvy, and barely knows how to use email. EVERYONE knows this. We are nurses, working at a small surgery center with less than 50 employees.

Our company does ALL pay increases and raises at the same time. Strange, I had never heard of that. Anyway, our boss emailed everyone a self-evaluation performance appraisal form to complete and return.

My friend didn’t get our boss’ email because she has no access to email here at work. Thankfully, someone printed out the form and gave it to her, telling her it was the self-evaluation for her review and pay raise. However, she didn’t submit her self-evaluation. Later, she asked our boss about the status of her review and pay increase. Our boss informed her that all the reviews were completed and since she didn’t return her self-evaluation, she doesn’t get a review or a raise. ‘Maybe next year’ they told her.

Everyone else I know got their review and a pay increase.

Anyway, my friend is afraid to ask anybody about it, because she thinks she will get fired. Personally, I don’t know how this type of action can be legal. I also feel she may be discriminated against due to her age. Can you help or direct me to the proper place? Thanks in advance.

I know there’s a lot going on in this story. To help us understand more, I asked employment attorney and friend Kate Bischoff to share her knowledge. Kate is the founder of tHRive Law & Consulting LLC. She’s shared her experience on HR Bartender several times. One of my favorites are her comments in this post about “Reporting Workplace Bullying to HR”.

Please don’t forget that Kate’s comments should not be construed as legal advice or as pertaining to any specific factual situations. If you have specific detailed questions, they should be addressed directly with your friendly neighborhood attorney.

Kate, let’s start our ageism discussion with a tough question. Do organizations have an obligation to provide employees with email and computer access? I understand that a lot of people have smart phones and internet access for their personal lives, but is it a professional requirement?

[Bischoff] No legal requirement, but if they are going to conduct business over email, like completing a self-review to determine raises, fairness would dictate that the employer provide access. Giving access is not hard, so it saddens me that this person couldn’t access it.

This also adds fuel to a discrimination fire. If there was other evidence of possible discrimination and the employer didn’t give access, a jury might very well find that the employer was setting the employee up for failure.

Another tough question. If an employee isn’t tech savvy, does the company have an obligation to train them?

[Bischoff] Again, sadly, no. While many professions don’t require computer savviness, this is quickly changing with employers and they are expecting employees to come with those skills. The lack of skills is likely to disqualify someone from a position.

Follow-up question. Obviously, if using technology is part of the job, that’s a different story. Are activities like completing a self-evaluation or using employee self-service technology considered part of the job?

[Bischoff] Absolutely. If these activities were completed in furtherance of the job, they are part of it.

Regardless of the age of the employee, if an employee doesn’t complete the self-evaluation and that’s part of the overall performance management process, can companies respond by not doing the appraisal or awarding a pay increase?

[Bischoff] Yes, and it appears this employer is going to get away with it. We know that employees want feedback (positive and negative) and pay increases. If this happened to one employee, it likely has happened to another.

The lack of fairness is going to breed morale and employee engagement problems, especially as employees start talking about it. And, employees have every right to talk about their situation at work under the National Labor Relations Act (NLRA) and many state laws.

Our conversation so far hasn’t focused specifically on the age of the employee. Let’s switch gears a little from ageism. What is age discrimination? And how does it differ from ageism?

[Bischoff] Age discrimination is the unlawful use of age in employment decisions. Under the ADEA, if an employer doesn’t hire someone because they are too old, then they are discriminating. The same is true if the employer has different terms and conditions of employment based on the age of the employee. Paying an older employee less than young employees would be discrimination.

Ageism is prejudice against someone because of their age and is often displayed by comments like ‘hey, geezer’ or ‘digital native’. Ageism is often evidence of age discrimination like racism is often evidence of race discrimination.

Last question. I’m sure we don’t know the entire situation. And because the organization has less than 50 employees, there’s a chance they don’t have an HR department. What can employees do to express their concerns?

[Bischoff] Employees must speak to a manager. Managers are ‘the organization’ even if there is an HR department. They have a legal responsibility as ‘the organization’ to prevent and stop age discrimination in the workplace. If they fail to do so, ‘the organization’ can be on the hook for discrimination.

If speaking to a manager doesn’t work, then employees could speak with the Equal Employment Opportunity Commission (EEOC) or a state agency that deals with discrimination laws.

I want to extend a HUGE thanks to Kate for sharing her knowledge with us. Please be sure to check out Kate’s blog for more insights.

According to AARP, older workers are the fastest-growing segment of the workforce. This is important to organizations who are looking for good workers. It makes absolutely no sense to treat older workers badly or discriminate. Older workers can provide value to the company’s bottom-line.

I can’t help but end today’s post with a message of tough love to older workers. Technology isn’t going away anytime soon. If you’re one of those people who is thinking about staying in the workforce as long as possible, then learning a bit more about technology is important. You don’t have to become a computer programmer to be proficient. Just something to think about…

Make Retirement Plans For Your Social Media Accounts

November 6, 2019 by Sharlyn Lauby Leave a Comment

Disney sign end of the line social media accounts

I’m going to talk about a subject that many of us don’t like to discuss – death.

I ran across a column in The Washington Post about “Facebook memorials”. It’s an interesting read about the different options that can come up when someone with a Facebook account dies and how you can pay respects online. You might want to check it out. My biggest takeaway from the article was that I need to have an opinion about what happens to my social media accounts when I die. Here are some of the things that I’ve started thinking about that you might want to consider as well:

Should I retire some social media accounts before? Granted, because of HR Bartender and Unretirement Project, I’m out on quite a few social media networks. But will I need to maintain all of them as I get older? Probably not.

How will I know when to retire a social media account? It’s easy to say that I might not need to be out on every social media network forever. That being said, I do need to think about what the conditions are for retiring a social media account. Right now, it’s kinda willy nilly. Oh, Google+ is shutting down? Okay, I’ll close my account. That logic might not be the same with Twitter.

How should I close an account? The answer to this question might seem obvious, but I’m not so sure. Some people close accounts by contacting the organization and officially “closing the account”. Others do it by simply not using it anymore. There are advantages and disadvantages to each. If you’re wavering on whether or not to use a social media network anymore, maybe it makes some sense to not use it for a while to confirm your decision. That way if you miss the interaction, you can easily go back.

Do I want and/or need a record of the account before I close it? Many social media platforms give you the ability to download your historical record. I must admit that I’ve never really utilized this option, but could it be worth my time to download my history before closing the account.? I honestly don’t know. However, I do think it’s worth some research and a conversation. And if you do decide to get the record, what are you doing to do with it?

Who do I need to inform about my social media accounts? What I’m talking about here are logins and passwords. Chances are you’re going to change your password regularly between now and then, so you don’t want to have to notify family or friends every time you do. (And if you’re not planning to change your password, you should.) Have a place – like a password manager – where people will be able to easily find so that, in the event of your death, they can access your accounts and follow your wishes.

I’m sure I’ve only scratched the surface of the things we have to consider when it comes to social media and our passing. But it’s an important conversation. Our identities are out there and the last thing any of us want is our identity to be compromised. So, we want to be able to enjoy social media while we can and put the pieces in place for it to be handled appropriately when we’re not here anymore.

Image captured by Sharlyn Lauby while exploring Disneyland in Anaheim, CA