#coronavirus #COVID19 #FlattenTheCurve #CollegeDreams #SummerMelt
They call it “summer melt.”
It’s the period between high school graduation and the beginning of college.
This year, the coronavirus complicates “summer melt.”
The Atlanta Journal-Constitution published an article about the virus and “summer melt” in its June 8, 2020, issue.
Some experts are predicting big drops in college enrollment this fall, the article says.
Colleges are unsure when they will open in the fall.
“There is a risk that a wide swath of kids get knocked off their college track. And it gets infinitely harder to get back on,” the article quotes Taylor Ramsey, executive director of OneGoal Metro Atlanta, a non-profit that works to improve college access.
People are really afraid for their health. To compound the problem, many parents of upcoming college students have lost their jobs because of the virus, making it more financially difficult to send their kids to college, the article says.
OneGoal works with about 320 Atlanta and DeKalb County students, including high schoolers, recent graduates and first-year college students, the article says.
When schools abruptly closed this spring, seniors were working on financial aid applications. Some started to get acceptance letters. Others were still applying to college, the article says.
Ramsey told the newspaper that she has asked students what they were going to do if school didn’t open in the fall. The answer was “I have no idea,” the article quotes Ramsey.
So what happens to these students now? It’s really hard to know. But, many can take comfort in knowing that if their college dreams are delayed, they can embark on one of the many programs out there that allow people to earn money by investing a few part-time hours a week. These programs are not like a traditional job, and they can help set up a future for them, regardless of what else they pursue, or when they pursue it.
To learn about one of the best such programs, message me.
Pandemic aside, one does not have to go to college to find success.
Some students are not suited for college. Others may have to assume loads to debt to get through college.
Others, still, may go to college, pursue a field of study that will not automatically convert to a good job. Add a big debt on top of a job that pays relatively little, and you have a situation that makes it difficult to save for the future.
If you were headed down such a path, the effects of the pandemic may force you to rethink your options.
As you rethink your options, know that there may be more options available to you than you may have considered.
Consider this thought: what if I could pursue my passion and not necessarily have to worry about money? It seems farfetched, but if you have an open mind, and are willing to look at things you may have never thought you would do, the possibilities are endless.


#coronavirus #COVID19 #FlattenTheCurve #retirement #EarlyRretirement #lockdown
So, you were locked down in your homes for weeks.
Perhaps you worked from home, or still are.
Having nowhere to go gives one a lot of time to think.
Perhaps you thought about retiring early, since you may have gotten a small taste of what it might be like to be retired.
Wes Moss, who writes the “Money Matters” column for The Atlanta Journal-Constitution, and has a similar radio show on WSB, News Talk 750 in Atlanta, discussed this in a June 7, 2020, column.
Moss asks, “Has the lockdown experience affected your vision of retirement? Maybe you always anticipated a staycation retirement,” the article says.
Moss advises asking yourself these questions:
1. What will you do in retirement? Travel? Buy a lake house? Soil the grandkids, he writes.
2. How important is routine to you? Getting out of the house to go to work every day provides such a routine, he writes
3. Who are you? Many people, especially men, define themselves by their jobs.
4. How will you spend your days in retirement?
5. How will you get your human fix?, he asks. Social isolation during the pandemic has driven some folks nuts, which may explain the video and photos we see of crowded gatherings, with no social distancing, as some places ease lockdown rules.
6. (Perhaps the biggest question might be) How about the money? Moss has always said that many people discover they need less money to live on than they thought they would. Certainly, the lockdown has put money back in some people’s pockets because they weren’t traveling, eating out, driving etc., as they normally would.
7. Will you keep working in retirement?

Since Moss’ first five questions focus on personality, let’s focus on the last two practical matters.
If you have saved well, and invested well, during your working years, you are a big step ahead of most. Many people have not. If you are among those who have not, there are several ways that, with a little effort and determination, can help you build a nest egg relatively quickly.
Question 7 applies here. Though these programs involve effort, they do not require you to get another traditional job. In fact, working these programs may help you not only enhance your income, but also may help you grow as a person.
To learn about one of the best such programs, message me.
Moss recently surveyed more than 300 families, age 55 and older, about happiness and retirement during the lockdown.
Many say the lockdown gave them a chance to “test drive” retirement, and they loved it, he writes.
Some 26 percent would adjust their post-lockdown life permanently after the pandemic, keeping it much the same as it was during the lockdown, he writes.
For some, though, the pre-lockdown activities, such as gatherings, eating out, traveling etc., will be too much of a temptation to resist.
So what’s it been like for you? Regardless about how eager you are to return to “normal,” that “normal” will change. We don’t know exactly to what extent it will change, but it will change. As we wait for those changes, we must take whatever precautions necessary to stay healthy, safe and still enjoy life.


#coronavirus #COVID19 #FlattenTheCurve #layoffs #PayCuts #jobs
Martin A. Kits van Heyningen opted to cut his employees’ salaries instead of laying off some of them.
The workers at his company, KVH Industries, didn’t just take the move well. They applauded him for it.
“It was one of the hardest things I’ve done, but it turned out to be the best day of my life at work” Kits van Heyningen was quoted as saying in a May 31, 2020 article in The Atlanta Journal-Constitution.
He was trying to keep their morale up. Instead, his workers kept his morale up, the article quotes the company owner.
The ranks of those forgoing job cuts and furloughs include major companies like HCA Healthcare, a hospital chain, and Aon, a London-based global professional services firm with a headquarters in Chicago, the article says.
The coronavirus pandemic has wreaked havoc on employers of all stripes. When people are forced to stay home, very little live commerce gets done.
Because this pandemic is seen as temporary, and because some companies do not want to lose their workers when things come back, they are getting creative about how to keep them.
“Companies learned the hard way that once you lay off a bunch of people, it’s expensive and time-consuming to hire them back. Employees are not interchangeable,” the article quotes Donald Deives, a compensation expert with Willis Tower Watson.
“What we’re seeing this time around (vs. during the last recession) is more of a sense of shared sacrifice and shared pain,” the article quotes Deives.
So how is your work situation during this pandemic? Though nothing is “normal,” some are faring better than others.
It might be a great time to take stock in what you do for a living. Are you able to work from home? Or, can you never work from home?
Is your company losing money because it can’t produce what it normally produces? Undoubtedly, no one saw this coming in time, so there was no way to prepare for it.
But in a crisis, there is always an opportunity to evaluate one’s life, one’s work or one’s well-being.
If you are looking to do something different with your life, or you’ve been laid off or taken a pay cut, there are many programs out there that can enable anyone to make money without having a traditional job. These programs involve work, but can be done part-time a few hours a week – from home when necessary.
To learn about one of the best such programs, message me.
No one wants to be out of work, or take a pay cut. Also, no one wants to get seriously ill, and, perhaps, die.
After the pandemic is considered over, things will probably never be the way they were. Companies are learning to not just adapt to an emergency, but they are finding new, safer ways to do things. That will mean some jobs will not come back..
But you can be the master, or mistress, of your own destiny, if you are open to looking at doing something you may never have thought about doing.


#coronavirus #COVID19 #FlattenTheCurve #adaptation #NewNormal
What will the “new normal” look like after the coronavirus pandemic?
Georgia State University researchers conclude that as some companies retool how they do things, the future of many of the lost jobs is questionable.
Christopher Quinn, a reporter for The Atlanta Journal-Constitution, discussed the report in a May 2, 2020, article.
“Artificial intelligence and automation have been eating away for years at jobs such as those in food and hotel services, retail trade, manufacturing and sales,” Quinn writes. The shutdown caused by the pandemic could hasten and expand that process, as the shutdown forces companies into new ways of doing things, he adds.
Concerns and mitigation tactics to slow the spread of the virus have inspired – forced – creative use of digital technologies in education, business, medicine and other industries, Quinn quotes from the GSU research.
To put it bluntly, some of the jobs lost because of the pandemic may not come back. Or, if they do, they may come back in different forms.
Though some restaurants, for example, allow customers to place their orders as they walk in, what if many, if not all, restaurants, allowed you to walk in, tap your order onto a screen, sit down and your order is brought to you.
To go even further, what if your order came to you via robot or drone?
There may be a person who greets you at the door as you punch in your order. But that person’s other job may be to disinfect the screen after each order is placed.
We’ve also discussed here before the idea of calling in your order from home, and it will be ready by the time you arrive. When you order, you can decide whether to eat it in or take it out.
Other industries, too, will rethink how they do things. For example, if you are in sales, and part of your job is to regularly visit clients in person, whether the clients want you there or not, you may find yourself doing more by phone or e-mail. That may certainly cut down the number of salespeople needed.
So, let’s evaluate your situation: can you see ways your employer could eliminate or lessen your job, while accomplishing the work you were doing?
If so, whether your employer sees it yet or not, it may be time for you to explore a different ways to make money.
How? Fortunately, there are a number of programs out there that can allow you to earn a potentially lucrative income without having a traditional W-2 job.
They can also allow you to work from home, or in person, depending on the situation.
To learn about one of the best such programs, message me.
The coronavirus is still with us, despite the relaxation of many of the life and work restrictions. The question becomes, what happens to you now? Will you have, or do you even want, the job you had prior to the pandemic? Or, will you take the opportunity to reassess how you want to spend the rest of your life?
No one wants to see pandemics, and certainly no one wants to get seriously ill. But they could offer a time for thought about where your life is, and where you want it to be.
To paraphrase an old adage, when a door closes, a window often opens. We, as people, have to notice the open window, and go through it to perhaps make our lives so much better.


#coronavirus #COVID19 #FlattenTheCurve #GeorgiaEconomy #ReopeningEconomy
Georgia was one of the first states to begin reopening its economy after the coronavirus pandemic forced many businesses and other institutions to close for several weeks.
As a result of the closing, many jobs were lost.
Michael E. Kanell, business reporter for The Atlanta Journal-Constitution, explored the business reopening in a May 20, 2020, article.
“While precise data is elusive, the tracking of cellphones and company software sketches a picture of an Atlanta rebound that is patchy and uneven,” Kanell quotes Dallin Hatch, a spokesman for California-based Womply, which sells software for managing small business.
Though many businesses were allowed to reopen, about 25 percent of those allowed to reopen remained closed initially, Kanell attributes to Womply data.
“Many businesses owners are concerned about the danger the coronavirus poses to their workers and customers,” writes Kanell. “Some said they don’t plan to open anytime soon, even though they are worried about how they will pay expenses,” Kanell writes.
Leslie Kuban, an Atlanta-based franchising consultant, told Kanell that many businesses are “guessing as they go along. … Those businesses that were cash poor didn’t make it (a decade ago),” Kanelll quotes Kuban.
It’s a really tough decision for a business owner. Obviously, he or she wants to stay in business. Many want to keep as many of their employees as possible. At the same time, they don’t want those employees, or their customers, getting the virus. Though many who test positive for it don’t have symptoms, others get very ill. Some die from it. The death toll surpassed 100,000 nationally this past week.
These business owners feel the push and pull both as a human being and as a businessperson. Sick customers and workers who are able to trace their contracting of the disease to a business location create liability issues for the business, though some places are working on legislation to mitigate that liability.
At the same time, those who would patronize certain businesses may not feel safe going out and about. One can take precautions, like wearing a mask that covers one’s mouth and nose, and keeping a good distance away from other people.
Sometimes, keeping distance is not easy, particularly when, say, getting a haircut or visiting a doctor’s office. The mask prevents the wearer, who may not know whether he or she is infected, from spreading it to others. Remember, it does not necessarily prevent the wearer from contracting it from someone who is infected.
So how do you feel about gradual openings? Are you taking precautions? Many, particularly over the Memorial Day weekend, were out and about at beaches and restaurants as if there were nothing to fear.
It’s always best to take it slowly, take necessary precautions and do only what you need to do. Avoid large crowds for the time being.
Meanwhile, this is also a good time to take stock of your personal situation. Do you have a job to go back to? Is your job worth going back to? Might you be looking for a different way to make a living?
There are many vehicles out there that allow people, regardless of education, experience or background, to earn money without having a traditional job. It involves work, of course, but it gives you the option of working from home, should you get locked down.
Want to check out one of the best such vehicles? Message me.
Meanwhile, stay safe. Help keep others safe. We have no idea what this virus will do next, but it’s best not to gather en masse and give it a golden opportunity to spread.
Give yourself, and others, the very best chance to escape it. Getting sick, or dying, is not what ANYONE wants.