Unretirement Project – Page 2 of 11

Think About Retirement Lifestyle and Programs Separately

May 2, 2018 by Sharlyn Lauby 1 Comment

Just in case you missed it, the World Health Organization (WHO) has declared 65 years of age to still be “young”. Frankly, it’s not a surprise. People are living longer.

But it also reminded me that we have to draw a distinction between retirement age for government or company retirement programs and our age for living a retirement lifestyle. As an HR professional, I understand the need for retirement plans to have ages in them. Organizations need that for compliance, consistency, etc. But just because a person qualifies for a retirement benefit at age 65 doesn’t mean they can no longer contribute in the workplace.

This is one of the reasons that the concept of unretirement is so important. Yes, we need to work toward have the security to support ourselves and we need to be conscious of how retirement programs work. But we also need to realize that hitting the age of eligibility for retirement programs should be viewed as a benchmark, not a finality.

Unless of course, you want it to be some sort of “I’m XX years old and now I’m going to retire.” And there’s nothing wrong with that. In fact, you can decide that you want to start living the retirement lifestyle when you’re 55 or 50 or even younger. It does mean that you might have to wait a few years before you reach the eligibility age for retirement programs, but that can be okay if you plan and prepare for it.

If you’re going to think of retirement plans and lifestyle as two separate things, here are a few things to keep in mind.

It’s never too soon to start thinking about what you want your retirement lifestyle to look like. Sure, this makes sense in terms of your finances, and those things you want to do (like travel, hobbies, etc.) Buthave you given any thought to an encore career and the skills you might need to start working on now?

Share your plans with family and friends. You don’t need to do this all at the same time but, at some point, you have to tell your family what you’d like to do (and when). They need to buy into this. Especially if they thought your retirement meant you were going to spend more time with them.

Think about how to introduce the subject with your employer. Another conversation you don’t have to have right away, but it does need to happen, is talking with your boss. Your company might be thinking you plan on hanging around longer (or leaving sooner). Open, honest dialogue is necessary for a smooth transition.

As I start to talk with more business professionals about this blog, I’m a little surprised at both the Millennials who are already thinking about their retirement future AND the Boomers who aren’t. While you don’t have to take action right away, it does take some time to develop an opinion on these matters. We all have to develop our own unretirement plan because nobody can do it for us.

Image captured by Sharlyn Lauby somewhere on 7-Mile Bridge heading to Key West, FL

Phased Retirement: Be Prepared to Initiate the Conversation

April 25, 2018 by Sharlyn Lauby 1 Comment

I ran across an interesting article recently in Workforce Magazine titled, “Phased Retirement Largely Ignored Despite Flood of Retirees”. The title says it all. Organizations don’t have structured phased retirement programs in place. Frankly, a lot of organizations don’t have structured retirement programs.

But I don’t believe this trend of not having phased retirement programs is going to continue. And I don’t feel that employees have to wait around for such retirement programs to get created. Some of the work may actually happen organically.

Organizations continue to struggle finding qualified talent. The job market has shifted in the candidate’s favor. For individuals looking to stay in the workforce longer, those opportunities exist. According to an article from the Society for Human Resource Management (SHRM), the number of employed older Americans has increased by 35 percent over the past decade. This is due in part to increased longevity, which means that people need to finance a longer retirement.

So individuals and organizations have the opportunity to create a win-win where work, phased retirement, and retirement are concerned. Older employees can stay in the workforce longer to build up additional resources for their retirement.

Then, organizations and employees can work together to create an interim step (aka phased retirement). But here’s where I think the challenge lies. I’m not sure phased retirement programs have a lot of history or established best practices. As we learned from my interview with Joyce Maroney from The Workforce Institute at Kronos, phased retirement isn’t simply “going part-time”. It involves communication, planning, and training.

Both employees and organizations need to be willing to initiate the conversation about phased retirement. They need to be open to the notion of doing a trial run or beta arrangement. And then, they have to debrief their experiences to make the next time better.

Yes, phased retirement is exciting and fun. It’s also a business decision. And as employees, we should be prepared to wear both hats. There must be a balance between “I’m looking forward to working less and relaxing more.” AND “I need to have a role that brings value, even if it is part-time.” I absolutely believe it can be done. And we have the skills to make it happen. We just have to be prepared to start the unretirement talk.

Speaking of skills, if you happen to work for one of those companies that might be looking to create a few phased retirement test cases, please note a couple of paragraphs earlier when I talked about what individuals and organizations need to do: initiate conversations, openness to a trial, and debrief experience. What I’m getting at is that being a part of a phased retirement program involves good communication and feedback. Don’t expect the other person or someone else to do all the talking.

Phased retirement programs benefit both employees and employers. IMHO, organizations would be well-served to implement a few test cases before adopting a formal phased retirement program. But that means managers and employees need to be willing to communicate their plans and goals, share positive and negative feedback, and remain committed to doing what’s right for everyone involved.

Image captured by Sharlyn Lauby somewhere off the coast of Miami, FL

What We Are UP To in April 2018

April 18, 2018 by Sharlyn Lauby Leave a Comment

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

Watching| The Perfect Scam

> Remember the movie “Catch Me If You Can”? Well, fraud expert Frank Abagnale is collaborating with AARP on a podcast series about America’s biggest scams. The series is designed to educate listeners on how scammers operate. I’m looking forward to listening in April…

Reading| About GDPR

> Just in case you missed it, back in 2016, the European Union passed the General Data Protection Regulation (aka GDPR). It’s scheduled to go into effect next month. Whether you live in the U.S, Europe, or another country, this law will have an impact on our data, privacy, and security. It’s worth paying attention to.

Remembering | Las Vegas

>I love visiting Las Vegas. It’s such a vibrant city. Lots of great food, dynamic shows and entertainment, and great people watching. But Las Vegas today is so different than Vegas decades ago. It’s fun to see the history of the city and tour places like the Neon Museum to remember the past.

Working On| Book Marketing

> My third book, “The Recruiter’s Handbook: A Complete Guide for Sourcing, Selecting, and Engaging the Best Talent” was just released earlier in April at the Society for Human Management (SHRM) Talent Conference. So, we’re in full book marketing mode – writing articles and doing interviews. It’s very exciting.

Feeling| Ready

> We’ve been planning this move to Gainesville, Florida for well over a year. It’s nice to see positive movement toward our goal. I’m looking forward to doing some exploring in Gainesville and getting to know the city. And as much as I’ve liked living in Fort Lauderdale, it’s time.

Planning| Self-Care

> With several weeks of travel ahead (along with our move), Keith and I realize that taking care of ourselves is important. It could be a small as taking a few moments to play a favorite tablet game (We both like Bejeweled Blitz.) Or planning a trip to get in some serious rest and relaxation once this April move is behind us.

Loving| Cold Brew

> You guys know I’m a huge tea fan. But when it comes to a cold caffeinated beverage, my favorite is cold brew. I was recently in Portland, Oregon and got my fill of Stumptown Roasters. Luckily, I don’t have to wait for trips to Portland to get Stumptown – it can be found at the grocery store.

Geeking| Jigsaw Puzzle

> Growing up, I enjoyed jigsaw puzzles. For birthdays and Christmas, my father would give me jigsaw puzzles. We would always have a table in the family room with a big jigsaw puzzle on it. Now that I’m grown, I’m less inclined to do physical puzzles, but I have a jigsaw puzzle app. I can pick the puzzles I want, the number of pieces, etc.

What’s UP with you?

Is It Safe to Use Social Media for Marketing in Unretirement

April 11, 2018 by Keith Lauby 2 Comments

By now, we’ve all seen the articles about Facebook and their use of user information. It has caused a number of users to delete their accounts. Some brands are doing the same. So, I thought it would be a good time to talk briefly about online privacy and social media.

Over the years, social media has become an integral part of our lives. We engage with family and friends on Facebook or our business associates on LinkedIn. Or we monitor trending stories and its entertaining commentary on Twitter. The question people are asking – is our information safe?

Recently, I wrote about using Facebook to help with marketing in unretirement. For years, I’ve used Facebook for my marketing and I will continue to do so, simply because there are more advantages than disadvantages – as long as you’re smart about it.

First of all, know and understand your privacy settings. Every social media site has them. I recommend spending some dedicated time getting to know how every type of social post is handled. Can everyone see it? Only friends? With Facebook, you can start by seeing how others view your page. Click on your profile and, in the bottom right corner of your cover image there are three dots – that’s an extended menu. Click on it and select “View as . . . “.

The difference may be subtle, but you will notice a prompt to send yourself a friend request and an “Add Friend” button. You’re on the right page! From here, carefully read over your Intro box. Does it have the right information? Is it sharing information you don’t want to share here? Any changes in your information can be made using the “About” tab (be sure to quickly click on your profile again first to get back to interacting as you). You should select each heading listed on the left side of your profile and make any edits in the field as needed.

After you confirm your information is correct, it’s time to focus on your privacy settings. On the far right at the top of your Facebook page is a down arrow. Click that and select “Settings” from the drop-down menu. Select “Privacy” on the left to confirm your settings and edit them as needed. After that, select Timeline and Tagging on the left. That will give you a breakdown of your posting types and who can see them. From here, you can select “Edit” for each type of Facebook action and select who can see them from the drop-down menu.

Every social platform has their own version of a privacy setup. Get to know them! In fact, it’s a good idea to schedule an annual social media audit because sites tend to fine-tune their settings over time.

Social media is, and will continue to be, a major force in shaping our communities and culture. It offers vast opportunities! So, don’t be afraid to take advantage of everything it has to offer. Be smart and be aware. And, above all, be safe. It’s really not that hard to do.

5 Tips for Age Proofing Your Resume

April 4, 2018 by Sharlyn Lauby Leave a Comment

I recently attended a webinar from AARP on how to “Age-Proof Your Career”. The webinar was a Q&A format where participants were able to simply ask questions and get answers. As someone who listens to a lot of webinars, I thought it was a refreshing format.

Many of the questions that were asked had to do with resumes. I’ve written quite a bit about resumes over on HR Bartender. I won’t duplicate them over here. But in case you’d like to check them out, here are a few of the most popular ones:

12 Things that Recruiters are Looking for Right Now

What Job Title Should I Use On My Resume

Should You Include Your Photo on Your Resume

But the focus of this webinar was specifically about “age-proofing”. Let me start out by pointing out the elephant in the room. The last thing you want to do is lie on your application or resume. So, don’t even consider it. Not even stretching the truth a little. Your resume is a reflection of you. Don’t put anything on it that you can’t back up. Your credibility is much too important.

Now, down to the business of age-proofing, I did hear some interesting tips to consider. These things don’t compromise the integrity of your resume and could help you stand out in a stack of paper.

Figure out your “objective”.The panelists in this AARP seminar made it a point to say resume objectives are very “old school”. From a HR perspective, we’ve been debating the value of a resume objective for years. So, I’m not sure that it’s old school as much as it needs to be valuable. Badly worded objectives stand out for all of the wrong reasons. The decision is yours. But one thing to consider, whether you have an objective on your resume or not, you will be asked during an interview what your career objective is…so have a good one.

Consider how much work history to include. I think this is an excellent tip to remember as we gain more work experience. While AARP suggests only including the last 15-years on your resume, I’d suggest taking a look at your career history and decide what’s most relevant for the position you want. If something you accomplished 20-years ago can help you get a job today, then consider including it. But do remember that being succinct is important. Resumes that are more than 2-pages long can be pushed to the side.

Only include relevant dates. As you gain more work experience, there are dates that don’t matter as much. Like the year you graduated from high school or college. Or the date you won some company award. It might not be possible to eliminate dates completely. That’s where #2 above comes in. It’s also possible that you will need to enter dates if applying online via the company’s website.

Embrace your profile image. It might be tempting as we age to remove all signs of our face. Keep in mind that at some point, a potential employer is going to meet you. So, in those places where it’s expected to have an avatar, think about what you want yours to look like. As long as you’re working, having a professional photo can be a huge plus.

Build a presence on social media. Speaking of avatars, ninety-two percent (92%) of companies use social media to hire. Job seekers cannot ignore social media if they’re looking for a job. This doesn’t mean that someone needs to be on every social media platform out there. But do consider the top three: LinkedIn, Facebook, and Twitter. (Check out our 5-Step Plan for Learning Facebook.)

Use a modern email address. Last but certainly not least, it’s time to ditch the AOL, HotMail, and Yahoo email addresses. If you want to use them for other things, fine. But not for today’s job search. AARP suggests (and I agree with them), get a Gmail or Apple mail address. Use some variation of your name.

While doing these things can’t guarantee anyone a job, they are in line with today’s modern resume. And that’s what you’re looking for – a way to compete for a job. Your goal as a job seeker hasn’t changed. Just the tactics.

Image captured from Sharlyn Lauby’s first book – Essential Meeting Blueprints for Managers

What We Are UP To – March 2018

March 28, 2018 by Sharlyn Lauby Leave a Comment

Watching | Learn@50+

> Did you know that AARP members have access to an online learning library? Their course catalog covers everything from how to back up your iPhone or iPad to an interactive video focused on the age you should consider drawing Social Security. I’ve signed up for a couple of career related webinar sessions to see what they’re all about. Stay tuned…

Reading | Online Comics

> Keith and I stopped subscribing to the newspaper years ago, but one of the things we miss is the comics. It always feels nice to start off the day with a laugh. Well, did you know that you can get your comics online? We’ve found two sources: GoComics and Comics Kingdom. They’re cheaper than a newspaper subscription and you can even get some classic comics like Funky Winkerbean and Beetle Bailey.

Remembering | All the Houses

> We recently organized our photo collection as part of our upcoming move. It was very cool to see pictures of all of our homes together. And even though they were in different cities, how similar they were in terms of style and color. As much as we might change as individuals and even as a couple, some things stay the same.

Working On | A New Look for Unretirement Project

> Now that the blog is a year old this March, we’ve been working on refining our brand a little. Over the next few weeks, you’ll see some subtle changes. One thing I’m very excited about this the new banner and avatar on our Twitter account. If you’re on Twitter, I hope you’ll follow us at @UnretirementPro.

Feeling | Exhausted

> Thank goodness we’re done with all of the decluttering around the house! Now it’s all about getting the house ready to put on the market. Rearranging furniture, taking down personal stuff, and staging the house. It is kinda weird seeing your home without any mementos, pictures, etc. But March is the time for us to focus on our next adventure.

Planning | Taxes!

> It’s that time of year – March quickly brings April taxes! Getting our files together, meeting with our accountant, filling out forms. When we started consulting, Keith and I made the investment into getting an accountant. And I mean it when I say it’s an investment. If you really want your accountant to help you, they have to get to know you. It’s an investment of time (and money) so they can help you plan and file your taxes.

Loving | Speidel Twist-O-Flex

> My dad had a Speidel Twist-O-Flex band for his watch. I might have even had a Twist-O-Flex band for one of my first watches. Well, now I have a Twist-O-Flex for my Apple Watch. Yep, Speidel is making their famous Twist-O-Flex bands for Apple Watches. I love the juxtaposition of a high-tech watch with a retro band.

Geeking | Amazon Services

> I’d like to think that everyone has ordered something on Amazon at some point. But did you know that you can now order services (like house cleaning) via Amazon?! We saw a deal for a full-day (6+ hours) of house cleaning and decided to give it a try. Keith is an excellent cleaner, but he wanted a little something extra before we put the house on the market. If they do a good job, we’ll try them again when we move into our rental in Gainesville.

What’s UP with you?

Image captured by Sharlyn Lauby while exploring the Wynwood Art District in Miami, FL

Fitness Matters in Unretirement So Get Creative

March 21, 2018 by Keith Lauby Leave a Comment

Our pursuit of fitness changes over time. It’s not that we stop pursuing it – we can’t. But rather, how we do it and the tools we use to get there evolves as we age. And when you work for yourself, you may have to get creative where your fitness is concerned.

Please understand, I’m not a medical or fitness professional. But I am a business pro who is always looking for ways to keep healthy and fit. Ways that align with a hectic schedule. When I worked in corporate offices, some of my daily activity was walking to meetings, warehouses, and a variety of other workplaces. Now that I work in a home office, I’m looking for a different solution to help me keep active.

After reading that the Deskcise Pro from FlexiSpot won a 2018 Consumer Electronics Show (CES) Innovation Award, I jumped at the chance to give it a test drive. The Deskcise Pro combines a standing desk and exercise bike in one compact piece of equipment. It has a very small footprint, so it doesn’t get in the way in my small office and it easily rolls wherever I want it. But don’t worry, it won’t roll around as you’re using it because it has an innovative feature that locks the wheels when you’re pedaling.

I’ve always believed that accessibility was the key to consistent use of any exercise equipment. It becomes even more important as we age. After waking up one morning with a stiff neck, I just used a spring lever on the Deskcise Pro to raise up the desk so it’s a little more comfortable to read on my laptop. You can also move the desktop a little closer just as easily. When my legs a little sore from too much yardwork, a dial on the Deskcise Pro main console lets me dial in just the right amount of resistance. And a screen allows me to track speed, distance, calories, odometer and revolutions per minute (RPMs).

Even if you don’t want to pedal, you can still be active. A spring lever adjustment can quickly convert your bike into a standing desk. Let’s face it, you I won’t have an excuse not to keep active anymore! And that’s important to me when I’m working from a home office.

Working in unretirement can bring a few challenges and fitness can be one of them. If you’re looking to keep up your activity in a home office, but don’t want to invest in a lot of different equipment or lose work time at the gym, consider checking out the Deskcise Pro. It’s a simple but creative solution that offers a lot of flexibility.