INCOME INEQUALITY IN BOOMING ECONOMY

IncomeInequality #jobs #recession #incomes
Despite strong job growth, Metro Atlanta incomes have faltered since 2007.
So writes Michael E. Kanell, business and economics reporter for The Atlanta Journal-Constitution. His article on the matter appeared March 25, 2019.
“At the same time, racial inequality remained stubbornly high, even as the economy rebounded from the Great Recession,” Kanell writes.
The Atlanta region ranks 33rd in the country in economic growth, and 57th for inclusion by race, the article states.
Though Kanell covers the Atlanta area, the same thing likely can be applied elsewhere.
As a person, economically and otherwise, are you better off than you were 11 years ago? Have you been able to hold on to that good job you had back then? Has your employer downsized, leaving you out to find other work? Does the other work you may – or may not – have found pay as well as the previous job? Have you been forced to retire long before you wanted to ? Do you have enough saved for retirement to make it at all comfortable?
These and any number of questions can be posed today after a decade recovering from the Great Recession.
Some folks may have lucked out and found better economic circumstances. But many have not. Yes, the economy is growing. But if your individual economy has not grown, in fact has shrunk, you are not alone.
So, if you are in that situation, what can you do?
Fortunately, there are solutions out there, other than trying to juggle multiple, low-paying and time-consuming jobs. There are vehicles out there that potentially can enable you not only to recover economically, but prosper – perhaps as you never have before. To check out one of the best such vehicles, message me.
You can sit around, fret and complain about your situation, or you can do something about it. Don’t expect some serendipitous event to come along to pull you out of your economic funk. Don’t expect a winning lottery ticket to solve your problem.
But you could be open to doing something you perhaps thought you would never do. It may take you out of your comfort zone, but if you’ve had to downsize your economic outlook, that can’t be really comfortable.
Kanell’s article says economically the best-performing regions, according to the Brookings Institution, are: Austin, Texas; San Antonio; San Jose, Calif.; and Dallas.
If you don’t live in one of those areas, or even if you do, you may not have benefitted individually from the nationwide economic growth.
Don’t look at the well-to-do with envy. Look at them as inspiration. You potentially could be among them if you are willing to look at programs that, starting with a part-time effort by you, could yield a pot of gold for you over time.
Times were tough a decade ago. Companies are still downsizing. Manufacturing plants are closing, or becoming more automated.
You can worry about it, or do something about it. It’s your choice.
Peter

ADJUSTING YOUR FINANCES IN YOUR 50s

#aging #AdjustingFinances #retirement #investments
Are you in your 50s?
Do you have enough saved, or are you on track to have enough saved, for retirement?
Wes Moss, who writes the Money Matters column for The Atlanta Journal-Constitution, took on this subject in his March 17, 2019, column. He also is chief investment strategist for Capital Investment Advisors, and has a Money Matters radio show that airs Sunday mornings on WSB radio in Atlanta.
First, Moss talks about the TSL strategy. That stands for taxes, savings and life. He says that for a younger person, 30 percent of your income should go to taxes, 20 percent to savings and the remaining 50 percent for life expenses.
But, when you reach 50, he says, you may want to adjust those percentages to put a bigger percentage into savings.
He also says many people save for their children’s college expenses. But college tuition can be covered through loans, scholarships (and having the child work through college), among other things. But there are no loans to cover your retirement, unless you take out a reverse mortgage on your house.
In short, Moss advises to make saving for a child’s education secondary to saving for your own retirement.
Moss also suggests playing catch-up with your retirement contributions, which the law allows you to do at that age. As for paying off one’s mortgage, as Moss advises, give it some thought before you dump cash into your house. If your interest rate is low, say, 5 percent or less, and you have an investment adviser who routinely can make you a lot more than that every year, it may be wiser to put your cash into other investments rather than your house. The aforementioned reverse mortgage, or a home equity line of credit, may be the only ways to get that cash back out of your house.
That brings us to Moss’ other point: stick with stocks. If you have your retirement nest egg invested in stocks or their derivatives, don’t panic at every downturn and don’t be overly cautious, and grab profits, on every upturn. If you have a good investment adviser, he or she will guide you to investments that are suited to your situation. Adjust as needed, but don’t dump stocks wholesale based on the news.
You may say this is all well and good if you have lots of money. If you can barely cover your taxes and life expenses, how in the world can you save, with your current income? That could be discussed in detail in a different setting, but it boils down to spending less on things that aren’t necessities, and saving more.
There is also another way to add to your income: check out one of the many vehicles out there that allow you to leverage your non-work time, perhaps just a few hours a week. You could potentially dwarf the income from your job eventually. To check out one of the best such vehicles, message me.
Meanwhile, in this day and age, your 50s could be a scary time. You’re at the age when your employer may yearn for someone younger , and cheaper, to do your job. Company reorganizations happen frequently, and many people find themselves unexpectedly out of work.
In past generations, people didn’t really start saving for retirement until their 50s. Decades ago, companies cherished their experienced employees. Now, they are seen as a mere cost, in most cases.
You can certainly make adjustments to your retirement plan in your 50s, but it’s better to start a retirement plan much earlier in life. Today, you don’t know when, or at what age, your retirement will come. And, in most cases, it will come, whether you’d planned for it or not.
Peter

WHAT IS COLLEGE’S JOB?

#college #StudentDebt #education #tuition #CollegeAlternatives
“Parents once sent their children off to college for an education.
“Now, parents expect colleges to provide maturation.”
So writes Maureen Downey, education columnist for The Atlanta Journal-Constitution. She was discussing recent suicides on the Georgia Tech campus with a professor there. Her column appeared in the Dec. 24, 2018, edition of the AJC.
Yes, parents want kids to learn calculus and whatever else is likely to land them a job, she writes, but they also want colleges to turn their kids into respectable adults, and to address any mental health issues the kids may have, she writes.
“Just because schools say they provide these (maturation) services doesn’t mean they do it well,” Downey quotes the professor.
“When I attended the President’s Convocation after arriving at Georgia Tech, we were told to look to the left and right – at least one of you will be gone – more like one-and-a-half,” Downey quotes William S. Bulpitt, a 1970 honors grad from Georgia Tech.
Back in Bulpitt’s day, the pressure was enormous to stay in school . Those who flunked out likely got drafted and sent to Vietnam, Downey writes.
Today, college campuses have counselors that students can see, to save parents from paying dearly for private counseling – not that college tuition is a really cheap alternative.
Also, today’s teens suffer more with anxiety and depression, and have fewer coping skills than those in generations past, Downey writes. The causes are numerous: over-involved parents, unrelenting and sometimes unkind social media etc.
When the kids get to college, those mental health struggles intensify, Downey writes.
First, let’s analyze why kids go to college, whether or not they are well suited for it. Parents want their kids to get a good job, and they are told that the best way to do that is to go to college. If they can’t swing it financially, they borrow the money. Many often end up graduating, or sometimes never seeing graduation, with a big debt to start their adult lives.
Instead of sending a teen-ager who is ill equipped to deal with college to college, why not help them find a vehicle that will help them earn money – potentially a lot of money – without incurring the expense, or debt, of college. There are many such vehicles out there to help people, regardless of education, earn money spending a few part-time hours a week. To check out one of the best, message me.
Certainly, the college experience can be worthwhile, even spectacular, for the right person.
It’s not just the education, but the camaraderie, the extracurricular activities and the ability to live away from home for those who choose, that make college great for some.
One can’t eliminate the academic or social pressure, but the young adult has to be prepared for it, and the right person needs encouragement from parents, faculty and peers.
In short, don’t assume your son or daughter is suited for college. At the same time, don’t put unnecessary pressure on the student to go to college. If you send your child to college, make sure it is for the right reasons.
Don’t presume the degree your son or daughter would get, presuming he or she stays long enough to earn it, will yield the employment results you, and they, expect.
There is no shame in not going to college. If your son or daughter chooses not to go, make sure he or she is acquainted with ALL the ways available to make a living, or even, perhaps, a fortune. The money you might spend, or borrow, to send a child to college may be better utilized in setting up a retirement account for the child — or yourself.
If your child goes to college ill equipped, the school may not be the best place for the student to deal with his or her problems.
Peter

HAVE WE LOST THE ABILITY TO DREAM BIG?

#DreamBig #BigGoals #GreenNewDeal #BigDreams
In 1962, President John F. Kennedy predicted the U.S. would go to the moon in that decade.
It did in 1969.
“We choose to go to the moon … and do the other things, not because they are easy, but because they are hard,” Miami Herald columnist Leonard Pitts quotes JFK. His column on the subject of dreaming big also appeared Feb. 26, 2019, in The Atlanta Journal-Constitution.
Pitts was focusing on the Green New Deal, proposed by Rep. Alexandria Ocasio-Cortez and Sen. Edward J. Markey.
Though the goals of the proposal are big, Pitts says some believe the idea is simply too big.
Regardless how you may feel about the Green New Deal, Pitts makes the point that the country seems to have lost the ability to dream big – an asset that has always been what America was about.
We, as individuals, too, may have lost that ability. We may have even been taught to temper our goals and dreams in favor of security.
People who do great things have many characteristics – not the least of which is the ability to see things not as they are, but as they could, or should, be. They then have the ability to carry through on that vision, overcoming all the obstacles, battling the naysayers and never losing sight of their dream.
Are you the type of person who settles for what is, rather than aiming for what could be?
Or, are you the type who sees what is as temporary, all the while aiming for what could be?
If your current situation is not giving you the life you want, know that YOU can change it, if you choose.
You don’t necessarily have to come up with the next big idea that will give you your fortune. You just have to be open to looking at situations that could change your life for the better, and have the wherewithal to crawl out of your comfort zone and go for it.
How do you find such situations? There are many out there that can offer you a potentially life-changing scenario. To check out one of the best, message me.
“Big things were what America did,” Pitts writes. “From carving highways out of corn fields and cyberspace, to airlifting hope to a starving city, to rebuilding a ravaged continent, to helping save the world from tyranny, to digging 40 miles of trench that united two oceans, to binding East and West with railroad tracks, to defeating the most powerful military on Earth with an army of farmers, when did ‘big’ ever scare America?” Pitts continued.
Sometimes, something big comes to us as something different. Sometimes, it comes to us from a messenger that we never expected. Sometimes, it can fall into the lap of the people willing to look for it.
It takes courage to ignore the people in your life who try to tell you that you can’t, shouldn’t or even had better not try THAT, even when what you are embarking on may not be as scary as you are led to believe.
You just have to have a dream big enough to not be deterred.
If you don’t have such a dream, find it. If you do, pursue it. You don’t have to settle for what is, when what could be may be waiting for you.
Peter

SOCIAL SECURITY: WHEN TO TAKE IT

#SocialSecurity #retirement #savings #earnings
It’s a question discussed numerous times in this space: when to take Social Security.
Maurie Backman of The Motley Fool took it on in a Christmas Day article, 2018, in The Atlanta Journal-Constitution.
Take it early, at age 62, and you get a lesser amount than you would at your full retirement age. But, if you have already retired and need to cobble together an income, taking Social Security early is an option.
Of course, the longer you wait to take it, the bigger your check will be. Wait until age 70, and your check could be pretty good-sized.
Backman cites three reasons he believes taking Social Security at age 62 might be a good idea for you: first, you are unable to work (or are having trouble finding a job, even though you are able to work); you’re in bad health; and, you’ve earned the right not to wait.
All those reasons make sense for some people. But everyone’s situation is different. Here’s one rule of thumb for everyone: don’t take it early just because you fear the government will run out of money and the checks will stop. Most experts believe Social Security will be around for quite some time, even if the government does nothing about the funding. Benefits may have to be adjusted in the future, they say, but it’s unlikely to go away entirely.
When making the Social Security decision, consider the following: what other income do you have, or will you have, in retirement. Income includes pensions, dividends and interest from your savings and investments and, perhaps, a no-stress, part-time job. Income, for some, may also include a full-time job. Yes, there are those who love their jobs enough that they don’t want to retire. If you are fortunate enough to be in that situation, and your employer will keep you on forever, that’s excellent.
Most folks, though, have jobs that will get old after a while, if they haven’t already. Others may have employers that are eager to get them retired, or at least out of their employ.
It’s a good idea, if you are among the latter categories, to have a Plan B in place that will give you income that will enable you to go with whatever happens, “retire” when you want and potentially give you financial freedom. Many such vehicles involve only a few part-time hours a week, with the potential to dwarf your working income. To check out one of the best such vehicles, message me.
Also, as you ponder when to take your Social Security, know that no matter how many years you paid into it, and no matter how good your income was, that government check alone probably won’t give you enough money to give you the retirement you want. You WILL need some other financial resources.
If you haven’t yet retired, and don’t know what your resources will be when you do retire, it’s time to start planning for it. The earlier you start planning, and the more disciplined you are, the better off you’ll be when you get older.
So, start saving, and get a good, trusted financial adviser to guide you in retirement planning. Remember, too, that retirement planning isn’t all about money, though money is a big factor. Know what you’ll want to do when you retire, and plan to make that happen.
The Social Security office nearest you can give you your options, based on your income. The wise person will have a plan so that, no matter when he or she retires, he or she will never run out of money.
Peter

MARKET PREDICTIONS AND PRUDENCE

#StockMarket #investing #BullMarket #MarketPredictions
Of late, the stock market has been, shall we say, volatile.
A decade ago was a big-time bust. The years hence have seen a boon.
Will that boon, soon, become a swoon?
The predictors have started to come out.
In an article for The New York Times, Alex Williams sites five popular doom-and-gloom scenarios, or situations, including the student debt problem, the situation with China, the end of easy money, Italy’s possible exit from the European Union and an anti-billionaire uprising across America.
Williams’ article was also published in the Dec. 23, 2018, edition of The Atlanta Journal-Constitution.
Meanwhile Dr. Steve Sjuggerud, who says he’s had an extensive Wall Street career, says, “We are in the final stages of a massive bull market. And the biggest gains lie ahead.” His predictions were published by The Tennessean in Nashville Jan. 27, 2019.
His theory is that just before bull markets end, there’s a big run-up in stocks because people who listen to other doom-and-gloom predictions get out too early, leaving enough cash floating around to find bargains and profit.
Warning: investors should not panic over the impending end of the bull market. Markets go up and go down. Prices go up and come back down. A prudent investor has a strong plan, and stays with it.
What is a strong plan? It’s investing prudent amounts of money in a variety of vehicles. Some of those vehicles are designed for growth – in other words, you buy them at a fairly low price anticipating their value to become apparent to the market, and they rise in price.
Then, as the price goes up, you see a good number and sell enough shares to get your cost back, and let the rest continue to grow. That’s called playing with the house’s money.
But, a good plan also has vehicles that produce income, in the form of dividends, interest etc. Even if the share price of these vehicles drops suddenly, the dividends and interest keep coming. So, you have the comfort of letting their value ride out the downturn as your income keeps coming in. Of course, you need to watch whether the dividends and interest stay constant, or start to drop. If they drop, it may be time to cut your losses.
The point here is that a good plan can weather the ups and downs of the market. Sure, if the market drops, the overall value of one’s portfolio will drop with it. But that should not deter your strategy.
There are also scenarios in which you may decide that a stock, or other investment, isn’t doing what you thought it would. So you sell it to raise cash to use to find bargains in a down market.
If all this seems complicated, find a trusted adviser who can guide you through market ups and downs, and let him or her give you advice.
Don’t really have enough income to invest in stocks? There are many ways out there to pick up extra money by devoting a few part-time hours a week that doesn’t involve what you might see as a “second job,” and aren’t dependent on the markets. To check out one of the best such vehicles, message me.
Recessions, market downturns etc. hurt. They don’t have to devastate you financially. Prudence and balance in your investments, and staying with your plan regardless of market gyrations, is the key. Markets may not go up in a straight line, but, over time, they most always go up.
Peter

SELF-MADE: HOW DO YOU DEFINE IT?

#SelfMade #CollegeAdmissionsScandal #FameFromBirth
“What does it mean to be a ‘self-made’ person of great wealth?”
Mary Sanchez, columnist for the Kansas City Star, posed that question in a recent column, also published March 12, 2019, in The Atlanta Journal-Constitution.
Sanchez was referring to Kylie Jenner, whom Forbes magazine proclaimed to be the world’s youngest “self-made” billionaire, at age 21, from her cosmetics business.
Jenner is a member of the Kardashian-Jenner blended family. She didn’t exactly launch her business from her garage at night after working a full-time job all day, Sanchez points out.
Actually, she’s been quite savvy at leveraging her birthright fame, Sanchez says.
Alas, most of us aren’t blessed with the gift of fame from birth.
For most of us, if we want to achieve success, we have to do it gradually, over time, and many never get there.
Many of us don’t have the discipline to build wealth over time by saving more, spending less and investing properly.
Many of us never get introduced to a program that would allow us to build wealth by spending a few part-time hours off work – not unlike the folks who build a company in their garages. But, unlike the companies that start in a garage, you can build wealth by helping others do the same.
How? There are many such vehicles out there to allow you build wealth by leveraging your off-work time without taking a second, W-2 job. To check out one of the best such programs, message me.
Sanchez ‘s column was also published at a time when famous people are paying to get their children into prestigious colleges. They are not doing it by donating money to those schools. They are bribing coaches to “recruit” students to their teams who have not played the sport in question.
They are also paying others to take college entrance exams on behalf of their children – in other words, helping the children cheat their way to success. In turn, that means hard-working students who do things the right way are deprived of admission to those schools.
The whole scandal brings to mind how one defines success.
A big part of a successful life is doing everything the right way. That usually means hard work and tenacity. It also means either innovating – filling a need no one else has filled – or following a system that has created success for many others. To put that another way, it means duplicating what other successful people have done.
The college admission scandal has also brought to mind another axiom: if you cheat your way to the top, you will eventually get caught.
So how do you define success? Different people may see success in different forms. Part of defining success is knowing why you are doing something.
Good whys motivate the wise.
And when the wise are motivated, regardless of what they are doing, success will come. When success comes, wealth usually follows.
Success doesn’t come just to the lucky, though any successful person undoubtedly would say he or she has been blessed. One must put himself in the position for good fortune to come.
Kylie Jenner was helped by who she is. Most of us don’t have that advantage. But we all can put ourselves in position for success to strike. It may take some out-of-the-box thinking, but anyone can do it.
Peter

WOMEN SEE RETIREMENT AS LIBERATING

#women #retirement #WomenInRetirement #RetiredWomen
Forget the doom and gloom.
American women are increasingly viewing their retirement years with optimism, seeing the aging process as liberating.
So writes Adam Shell for USA Today. His article was also published in the Nov. 17, 2018, edition of The Atlanta Journal-Constitution.
“Women are so enthusiastic when it comes to aging, and that is a different message than what is out there,” the articles quotes Christine Russell, senior manager of retirement and annuities at TD Ameritrade.
Seventy is the new 50, Shell writes.
The stats suggest that women are “planning for a longer life,” an acknowledgement that should home in on taking the financial steps to fund the lives they want to lead in their later years, the article quotes Russell.
If women are planning for a long, healthy and prosperous life, why can’t all of us do the same?
Everyone’s circumstances are different. You might add the adjective “wealthy” to the women who are planning so carefully.
Truth is, we all can do it, to varying degrees. If you are not wealthy, you will just need more time to plan so you can get there.
That means starting early – right when you start working. You may have to start with a small amount. Even socking away $5 every week from your paycheck will be a start. That’s the equivalent of one or two beverages from your favorite coffee shop every week.
Then, as you get raises, sock those away. As your costs go up, perhaps you can bring your lunch to work instead of buying lunch.
In short, you can plan for a healthy retirement by making it a priority in your life.
Sure, not everyone has that discipline. For some, the discipline may have to be cultivated.
Also, expenses, foreseen and unforeseen, will come up for which you may have to tap into your savings. Buying a house is a good example of a foreseen expense. A big medical bill is an example of an unforeseen expense.
Still, if you have cultivated the discipline and made retirement savings a priority, you can catch up relatively quickly.
Some believe that in your young life, you need to provide for your family first. As your children grow to adulthood, you can start saving in earnest.
That works only if you know that your job will be there for as long as you want. Few can say that today.
If you have trouble leveraging your income, perhaps leveraging your time can accomplish the same thing. There are many vehicles out there that allow people to spend a few part-time hours a week and pick up a potentially lucrative income in addition to their regular W-2 income. If you are willing to step outside of your box and check out one of the best such vehicles, message me.
Saving for retirement, and planning for a long life, mainly requires discipline and prioritizing. Anyone can do it, by spending less and saving more. You can still treat yourself, but make those treats worthwhile and rare – perhaps until those later years come.
To quote the old adage: do today what others won’t, so you can do tomorrow what others can’t.
Peter

CUTTING VACATIONS SHORT

#vacation #TimeOffWork #TimeOff #vacations
You may go on vacation to refresh and recharge.
You may take a vacation to catch up on chores at home.
Mostly, though, you go on vacation to get away from work.
Yet, 63 percent of professionals cut their vacations short because of pressures at work.
So says a statistic published by USA Today. It was also published Monday, Nov. 18, 2018, in The Atlanta Journal-Constitution.
One can read a lot into that number. The employee may be frightened about losing his or her job. The employer hates it when key employees take time off, so they pile up the work for that employee while he or she is gone.
Or, companies run with so few employees that when one is gone, the whole operation suffers.
Here’s something to ponder, if you are an employee: your employer gives you vacation time as a benefit in hopes that you will use that time to relax and come back raring to perform.
Use that time to its fullest, if you know you will never get it back. In some cases, it may pay off for employees to “save” their vacation time to get a nice payoff when they retire. Most employers, though, don’t offer that. For most, it’s use it or lose it. For those, not using vacation time puts money back in the employer’s pocket.
Still, there could be some very good reasons to cut one’s vacation short. Perhaps there is a co-worker facing a grave illness and doesn’t have enough vacation time to get paid for all the time off he or she will need to fight that illness. Perhaps the healthier workers may want to donate some of their time to that person.
A hurricane or some other disaster could strike your place of business while you are away. It may be important for you to get back and help get the business back on its feet.
But just because your employer doesn’t WANT you to use all your vacation, doesn’t mean you shouldn’t. If an employer lets you go because you used your vacation, legal action is possible. Or, better yet, find a better place to work.
What if you could go on vacation worry-free, with no pressure on you to return until YOU want to? One might call that financial independence. There are many vehicles out there that potentially could give you the ability to one day fire your boss, and go on vacation whenever you wish, for as long as you wish.
But, you have to be willing to look at something that may be outside of your comfort zone – something you could do part time, without affecting what you are doing now. To check out one of the best such vehicles, message me.
Meanwhile, if you have a job in which you can just be off, where no one really replaces you and there is no pile of work sitting on your desk when you return, consider yourself fortunate. Or, to put it another way, you can perhaps consider yourself expendable and you might need a little more job security.
One of the definitions of job security is whether your boss has to replace you while you are gone.
But regardless of your job situation, using your vacation time is money in YOUR pocket. Cutting your vacation short puts money back in your boss’ pocket.
So, take time off if you can get it. Enjoy. Use all that your employer gives you. It’s time you will NEVER get back.
Peter

HOPE SPRINGS ETERNAL

#baseball #BaseballSeason #TroublesInBaseball #HopeSpringsEternal
This time of year, hope springs eternal for every baseball fan.
Spring training has started. The first pitch of the regular season is just around the corner.
Yet, as USA Today columnist Bob Nightengale writes, all is not well in the baseball world. His column on the subject also ran Feb. 22, 2019, in The Atlanta Journal-Constitution.
One star free agent, Manny Machado, just signed the richest contract in Major League Baseball history. He’ll play for the San Diego Padres for $300 million.
Still, other star free agents are still unsigned. Some of them, Nightengale writes, have few teams bidding on their services.
And, there’s talk of s players strike in 2021.
Players, and probably fans, wonder why these stars still linger on the market so close to the beginning of the season.
Aren’t the teams still in competition with one another? Don’t they want to suit up the best team at the start of the season so they have a shot at getting to, or winning, the World Series?
Long-term contracts for stars used to be the norm. But with the prospect of injury, a risk that a “star” will not be a star anymore after getting all that security, are keeping owners, in many cases, from betting big on one or two players. They prefer short-term deals, just in case.
Yes, even highly paid athletes undergo on-the-job issues. They may pale in comparison to the issues in your world, but still …
If you find yourself in a situation in which the good times seemed to have disappeared, the ballplayers are feeling the same thing, perhaps on a different level.
The ballplayers may think that going on strike in a couple of years will solve their problems. You may not have that ability.
But you still have to take matters into your own hands.
If your world is no longer what it was, YOU have to change it.
Are you not making enough money? Is your job to your liking? Is your job, and other life events, eating your time alive? Do you long for a different lifestyle?
If you answered no to the first two, and yes to the second two, know that there are many vehicles out there that can put more money in your pocket, and more time in your life to do what YOU want.
To check out one of the best such vehicles, message me.
Remember, times change and, in this day and age, quite frequently. Gravy trains eventually slow, and even come to a stop.
Promises that you perhaps have relied on through life can be broken. What you were hired to do may change.
People need to be open to things they may not have ever dreamed of doing. If they are not, they may be left behind.
So pencil yourself into the lineup and take your turn at bat. You may never play baseball for a living, but you can still make your life a real hit, or even a home run.
Peter