GROCERY SHOPPING SHIFTS IN MODERN ERA

#GroceryDelivery #groceries #Amazon
Wes Moss saw the future of the grocery industry show up at his front door in the person of Rena, who was delivering his family’s groceries.
Moss, who writes a Money Matters column for The Atlanta Journal-Constitution, ordered his groceries through a service called SHIPT. Rena, as it turned out, was his personal shopper.
Moss discussed his experience, and the future of the grocery industry, in a column published July 4, 2017.
Long before Amazon bought Whole Foods, Nielson had predicted that by 2025, nearly 20 percent of all grocery shopping will be done on-demand, Moss writes.
He recently tested the SHIPT service to see whether it could deliver a full week’s grocery list for the Moss family. Rena told Moss that she does as many as six to eight full-scale shops per day, earning wages and tips. Rena loves grocery shopping, Moss writes.
SHIPT employs tens of thousands of shoppers across the country. If the personal shopper model takes off, it could create a significant number of jobs, Moss writes.
Traditional grocery jobs may be replaced by more technologically centered roles, Moss writes. When ATMs came on the scene, it was feared the bank teller jobs would evaporate. The number of teller jobs actually increased from 500,000 to 550,000, Moss writes.
The point Moss is making is that old jobs may disappear, but, at least in some industries, they will be replaced by a different kind of job.
Many out there had good, “old” jobs. Those good, “old” jobs, in many cases, have either disappeared, or are about to disappear, before those who have them are ready to retire.
Complaining about the trend, or trying to force industry to resist such trends, is like complaining about the weather. You can’t stop progress, and, though people get hurt in the short run, good people usually end up on their feet – or even better off than they were.
Lamenting wastes energy that could be used to figure out what one should do next. Should he train for one of those “new” jobs in his industry? That may depend on one’s age, and how much he likes the industry he’s in.
If he’s like Moss’ Rena and loves grocery shopping, he may want to adapt to the new trend in whatever industry he’s grown to like. Or, he may literally become a personal shopper.
For some, though, it may be a chance to check out something new. There are many excellent ways to earn money without having a regular, W-2 job. To learn about one of the best such vehicles, message me.
Some of us see changing trends, downsizing etc. as evil. Perhaps it will turn some people’s lives upside down. But, like a fast-moving train with a weak brake, it’s difficult, if not impossible, to stop. Companies need to be flexible and nimble with the fast changes.
To those who work for such companies, your energy is better spent working on your next move than complaining about or resisting the inevitable.
Rena took good care of Moss and his family, he writes. She did so with a smile and lots of energy. He writes that it left him with a positive outlook on the future of food consumption.
A positive outlook on the future, whatever it holds for you, is the first step to improving your life.
Peter

HOW TO BE A HAPPY RETIREE

#HappyRetirement #GiveBack #StayPositive
Happiness in retirement may not entirely be based on how much money one saves for that purpose.
Many other things go into it, according to Wes Moss, chief investment strategist for the Atlanta-based Capital Investment Advisors, host of the “Money Matters” show on WSB radio in Atlanta and personal finance columnist for The Atlanta Journal-Constitution.
He discussed his eight rules for a happy retirement in his newspaper column June 7, 2016.
His eight rules include: 1) Skip the BMW. Own a car that is comfortable, reliable and affordable. 2) Stay the course on investments. Don’t chase the next “hot stock.” 3) Give back. Find a cause you care about and contribute your time, talent and money. 4) Don’t move or renovate. Make sure you are happy with your home before you stop working. 5) Buy the big stuff before you retire. When you spend your money is just as important as how much you spend. 6) Start now. He writes that 44 percent of unhappy retirees in Moss’ study group were dissatisfied with how much retirement planning they’d done. 7) Know your rich ratio – the amount of money you have in relation to what you need. Or, monthly income divided by monthly expenses. 8) Stay positive. People probably won’t retire when they want to because they don’t believe they can, he says.
It’s certainly important to save for retirement, starting at the youngest age possible. Some in previous generations did not begin saving until their children were adults, or near adulthood.
With the job situation very fluid today, one should not expect to work for as long as he or she wants. People are very often retired early not by their own choosing. If you’ve developed good saving and investing habits as a young person, you need not fear this problem.
Also, one should always have a Plan B, in case a good job goes away prematurely. It’s difficult to be a happy retiree when one is forced into the situation. One Plan B might be to turn a hobby into an income-producing activity. Another might be extensive, careful investing throughout your life.
There are other Plan Bs that allow people to make additional income without the need for an extra traditional W-2 job. For one of the best, visit www.bign.com/pbilodeau
As Moss writes, retirement is more than just sitting in a chair resting from years of labor.
It’s meant to be an enjoyable part of your life. You can certainly do things you love to do, but many experts say that it’s best to have a purpose in life, no matter what your age. That’s probably where Moss’ “give back” rule comes in.
“The happiest retirees envisioned a future and worked consistently toward that future with optimism – secure in the knowledge that while the economy and stock market can be a crazy ride, the long-term trend has been decisively positive,” Moss writes.
If you are young, think about when you might want to stop working, and prepare for that time. Set a goal. Follow Moss’ advice and don’t let fear and pessimism kill your dreams. Enjoy your young life, but also prepare for a good life as you get older.
Always have in the back of your mind that one day, the good job you have might disappear. If it doesn’t, you will have lucked out. If it does, the well-prepared person will goforth knowing he’s done his best to be happy in the face of an unexpected turn.
We can’t control our circumstances, but we can do what we can to react positively when things don’t go as we would want.
Peter

HOW TO BE A HAPPY RETIREE

#retirement #happiness # StayPositive
Happiness in retirement may not entirely be based on how much money one saves for that purpose.
Many other things go into it, according to Wes Moss, chief investment strategist for the Atlanta-based Capital Investment Advisors, host of the “Money Matters” show on WSB radio in Atlanta and personal finance columnist for The Atlanta Journal-Constitution.
He discussed his eight rules for a happy retirement in his newspaper column published June 7, 2016.
His eight rules include: 1) Skip the BMW. Own a car that is comfortable, reliable and affordable. 2) Stay the course on investments. Don’t chase the next “hot stock.” 3) Give back. Find a cause you care about and contribute your time, talent and money. 4) Don’t move or renovate. Make sure you are happy with your home before you stop working. 5) Buy the big stuff before you retire. When you spend your money is just as important as how much you spend. 6) Start now. He writes that 44 percent of unhappy retirees in Moss’ study group were dissatisfied with how much retirement planning they’d done. 7) Know your rich ratio – the amount of money you have in relation to what you need. Or, monthly income divided by monthly expenses. 8) Stay positive. People probably won’t retire when they want to because they don’t believe they can, he says.
It’s certainly important to save for retirement, starting at the youngest age possible. Some in previous generations did not begin saving until their children were adults.
With the job situation very fluid today, one should not expect to work for as long as he or she wants. People are very often retired early not by their own choosing. If you’ve developed good saving and investing habits as a young person, you need not fear this problem.
Also, one should always have a Plan B, in case a good job goes away prematurely. It’s difficult to be a happy retiree when one is forced into the situation. One Plan B might be to turn a hobby into an income-producing activity. Another might be extensive, careful investing throughout your life.
There are other Plan Bs that allow people to make additional income without the need for a traditional W-2 job. For one of the best, visit www.bign.com/pbilodeau
As Moss writes, retirement is more than just sitting in a chair resting from years of labor.
It’s meant to be an enjoyable part of your life. You can certainly do things you love to do, but many experts say that it’s best to have a purpose in life, no matter what your age. That’s probably where Moss’ “give back” rule comes in.
“The happiest retirees envisioned a future and worked consistently toward that future with optimism – secure in the knowledge that while the economy and stock market can be a crazy ride, the long-term trend has been decisively positive,” Moss writes.
If you are young, think about when you might want to stop working, and prepare for that time. Set a goal. Follow Moss’ advice and don’t let fear and pessimism kill your dreams. Enjoy your young life, but also prepare for a good life as you get older.
Always have in the back of your mind that one day, the good job you have might disappear. If it doesn’t, you will have lucked out. If it does, the well-prepared person will go forth knowing he’s done his best to be happy in the face of an unexpected turn.
We can’t control our circumstances, but we can do what we can to react positively when things don’t go as we would want.

Peter