Welcome to the Gen Plus Blog

It's a backstage pass to info on jobs and life at 50+. Gen Plus, headed by Janet Wendy Spiegel, is dedicated to baby boomers and the plus generation of age 50 and older. Read up and speak out on issues affecting your future: jobs, income, life and respect.

About Me

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Northridge, California, United States
Successful businesswoman, consultant, entrepreneur. I operate two businesses -- social media consulting, AND premium pet care services in the West San Fernando Valley. Love what I do, love life.

Gen Plus has relocated to www.GenPlusUSA.com

Wednesday, May 25, 2005

National Product Search

Gen Plus is on the prowl...for product. Product developed, invented, created by 50 plus. As we speak, we are actively scouring the US and Canada for any product currently available to distribute through our site. Why? There is no question that the Boomer generation is already being hailed as the greatest consumer force in the US. There is also no question that in those 78 million soon-to-be or already 50 plussers, there are millions and millions of you in that demographic who still need to earn money to get through the next 20-40 years. So rather than think of 50 plus as consumer, at Gen Plus we are turning all definitions on their HEAD!

Defy ageism

We categorically defy the concept that all great creation and thought comes from youth. We believe and will prove that there is a wealth of product out there ready to be shown to the world. So if you are 50 plus, know a 50 plusser, and have a developed product, video, book, invention, consumable...whatever it may be, we want to see it. If we determine that your product is right for our site, we'll partner with you. And out of the thousands of submissions and products that will be gracing our site, our panel of Gen Plus judges will award 12 grand prizes...Each month we will feature one winning product for the entire month!

What can you do? Create a buzz.

Email, print, fax this challenge to your friends, family, roommates, public establishments, community centers...anywhere there is a place to post and ask your contacts to send submissions through www.genplususa.com or via email to info@elderwork.com

Let's kick off 50 plus entrepreneurial spirit with a bang!

Saturday, May 21, 2005

Social Security

I'm intrigued by the ongoing debate caused by the looming Social Security shortfall. So much time is being wasted discussing George Bush's plan for personal management of portions of our accounts, that the real crisis is being completely side-stepped.

In my earlier post, referring to the work of Dr. Ichak Adizes, I talked about his theory of lifecycles of business. He spends a great deal of time discussing pre-bureaucracy, bureaucracy, aristrocracy and death of a company. What is fascinating about this discussion is that the ENERGY necessary to move an organization from any of these pre-death states, is astounding. In essence, an entire organizational restructuring is necessary in order to effect a rebalance of the basic "form" of the organization.

There is no debate that government is bureaucratic by nature. However, Dr. Adizes theories are sound. I wonder what would happen if the government were reorganized to provoke it into the "prime" state of the lifecycle. Would the surplus that is being allocated to other government spending be reallocated back to the general Social Security fund? Are enough people even discussing that issue?

And, then I have to ask myself...how badly is the medicare issue being ignored? I see lots of talk about the size of the issue (a crisis sixfold more dire than Social Security), but no clear sense of any plan or action. At least very little that is being communicated to the taxpayer.

The power and authority is lying with the bureaucrats, not the entrepreneurs. There cannot be change when the balance of power is sitting in the wrong camp. Bureaucracy is hampering quality of life for the Boomers as we roar our way into the 50's and 60's. How do we get government into a state of "Prime"? How can we possibly move the machine?

Coming in the next few days...I'll be posting a link to an intriguing paper, by highly regarded Mathematics Professor at UCLA, Professor Mark Burgin. He posits a theory of aging that links closely with the Gen Plus vision. Stay tuned.

Sunday, May 15, 2005

Build the Faith

I was having an interesting conversation today with two of my colleagues, a PR maverick (I'll call her PR for the purposes of this article), and an award-winning writer (I'll call her Writer). PR is 34, Writer is 68. Our discussion centered around today's definition (or confusion) over the 50-plus category. Writer is horrified at the way "elderhood" is treated in North America. She still works, is highly respected, but has had to fight to keep her profile high. Conversely, when PR and her crowd think of 50 plus, they lump 50, 60, 70 and 80 in one broad category.

We discussed John Helyar's article, 50 and Fired, and while Mr. Helyar wrote a comprehensive, in-depth article on an under-addressed issue, most of his cases were in their early "plus-hood", i.e. mid to late fifties. While this was the age range he was choosing to target for his article, nonetheless, it was clear to us (me, Writer and PR) that a very large segment of the 50 plus demographic was not represented.

Gen Plus, recognizes two different markets: 50 - 65, active jobseekers needing or wanting full time employment; and 65 - 75, reduced ability or desire to stay in the workforce fulltime, but still needing a certain level of employment for either financial or emotional reasons.

However, regardless of the market, we will require our society to take a leap of faith and keep this workforce...well...working! The Baby Boomer generation alone (not counting Post WWII babies) numbers around 78 million. 25% of our population is going to be in the 50 plus demographic by 2011. That's a big number. To keep this workforce working will require us, companies like Gen Plus, government, Fortune 500's, Home Depot's and beyond to build the faith, focus our energies on 50 plus, restore or instill the concept of elder wisdom and convert the 50 plus energy into captured productivity.

In societies that are more socially networked, (Canada, the UK, the Netherlands, Australia) there are companies like Gen Plus working alongside government to deal now with the aging crisis. In the US, we are lagging behind. We aren't alone. Many countries, within this century will have to deal with the crisis of an aging world.

It seems as though all of a sudden, the news is filled with the Social Security crisis, the 50 plus workforce crisis, the management shortfall crisis. Everyone is talking, many are thinking, few are doing. AARP championed the Companies who are Senior-Friendly track, but even that falls short of what 50 plus-ers need. They don't want $10/hour jobs, although they'll take them if they are in dire need of continuing income. Yet that alone does not come close to addressing the true crisis that starts hitting in 2011.

PR is in awe, in advance, of the looming crisis...when Baby Boomers start to leave their management positions in droves, leaving gaping management holes and yet, at the same time, those same 50 plus-ers are being pushed out of high salaried management positions with no backup succession planning in sight for many major corporations. Writer understands ageism, is saddened by it and classifies her demographic's job prospects sadly, but succinctly, "They are either computer-savvy or they are dead." So, how do we take a crisis that will be so monumental and make it small enough to manage? By proactively affecting the individual.

I have a personal mission -- to reinvent 50 plus. That is why I built Gen Plus. Any entrepreneur will tell you that they are successful because they see the end result. They passionately believe in their purpose. They live by mission. In the movie, "Field of Dreams", Ray Kinsella (played by Kevin Costner) was a corn farmer who hears voices telling him to build it so they will come.

With 50 plus, it will take more than voices to change the respect for the demographic. It will take a gargantuan, communal effort to re-build respect for our society's "elders." We must build the faith. My mission, the Gen Plus mission: Build the faith, and society will take the leap of faith.

Tuesday, May 10, 2005

Man's Best Friend

Cisco -- a Great Dane at 8 months old. Posted by Hello

My Dad is a dog lover. In fact, the kind of dog he loves is a Great Dane. At 75 years young, twice a year, he gets in his van, with his current Great Dane (the pup above is Cisco...his third Dane) and drives over 3,000 miles to winter in California. LA is warm, sunny (except for this past winter) and receptive to his gentle giants.

My Dad is a 50 plus. In fact, he is a 70 plus. He is active, vital, and revels in clipping coupons to minimize the costs as he treks cross-country to visit. He was a Post WWII Baby and felt his retirement early, but not as early as my generation will. Still, when I'm able to look objectively at how he manages...on a relatively small retirement income...I marvel at how much enjoyment he is able to pack into every day. He flirts with 50 and 60 somethings at the dog park (parents are divorced) and take his pup with him everywhere. His dog arrests isolation. As a conversation piece alone, the 120 pound "pony" brings men and women flocking to meet the dog, pet him...and of course give my dad lots of affection to boot.

Every year, as he makes the trek, he spends at least a day and a half in Sedona, Arizona. Town of red rock and vortexes, Sedona is magical, mystical...and the last place I would have expected my father to love so deeply. It is quiet, isolated, majestic beyond belief.

Sedona, Arizona -- Vortex Visiting Posted by Hello

It revitalizes my dad every time he visits. When he passed through on his latest trip back to Canada, this time he had Cisco with him. Cisco in Sedona...sounds so right, doesn't it?

And rather than sense the isolation of this small town in the middle of nowhere, the sheer majesty of Cisco brought out the hoards of dog lovers. Down the main street, through the alleys of Tlaquepaque, storeowners would run out of their shops to see the giant dog. And I realized as he told me the tale, that it isn't the vortexes that revitalize him in Sedona...it is the warmth and curiousity of the townspeople, who welcome him...twice a year, along with his best friend.

Monday, May 09, 2005

From shock jock to shell-shock! A forced retirement.

If you are like me, then you can commisserate with the unending hours spent sitting in traffic. I'll admit it, I'm a Howard Stern fan. I listen to him and laugh for over an hour's drive on my way to the office every morning. But what would happen if tomorrow, I were called into the HR Director's office and given the proverbial finger...the pink slip? How would I find my next job? Who would hire me? Just shy of 50, I am keenly aware that I'm virtually unemployable in today's marketplace...or at least in my current definition of employable.

If you are a fan of this blog, you'll recall that my business, Gen Plus, is dedicated to the success of the 50 plus demographic. If you are new to Gen Plus, then you are about to find out my obsession: that I keep a sharp eye on all things 50 plus-related given the finger of darkness I see looming on the horizon.

(My mother, a brilliant writer and life interpreter) takes exception when I talk more about the Looming Boomer than the Post WWII baby, but I focus so strongly on the looming Retirement boom because it will outpace all other demographics due to sheer size. So for my faithful 60 plus readers, take heart, you are included in every waking marketing thought and Gen Plus resource!)

Which brings me to the topic of the day. As the pieces of the management crisis combined with voluntary as well as forced exile...um, I mean retirement, are coming together, key players are starting to draw the picture with broad strokes. In the May 16, 2005 issue of Fortune, business writer, John Helyar, fills in some of the detail that many are avoiding looking at. To read the full article, click on the link:


It is a lengthy article that touches on everything from unplanned early retirement, to ageism, to exective search. However, in summary, Mr. Helyar, brings the issue of ageism right to the forefront (and particularly on the heels of the Supreme Court decision giving special status to age, right next to race, sex and religion) and he does so with great insight into the challenges that we are currently facing.

He brings home the reality of unplanned early retirement...for many CEO's, CIO's, Senior Executives, who at an early age can not find a new position after 20 - 30 years in progressive career roles. He is talking about us. And how do we survive such a jolt? With tremendous diligence, change of direction and strategy, and a bit of luck thrown in for good measure.

As you all have noted, Gen Plus is servicing you before we have even felt the first ripples of the seismic thunder of unemployment that may hit us within the next 5 - 10 years. The time to act is now. If you see the writing on the wall, or suspect that the axe is on its way in the next few years, or have been jobless for any length of time, get your resumes posted on our site today. Be proactive about your job future, so that you will be able to enjoy Stern on the morning drive (or your Starbuck's or NPR...or whatever gets you to work!)

Saturday, May 07, 2005

A Time Change

Corinne Copnick, is a 50 plusser. In addition to her position as President of Timesolvers, a writing and editing service, she is an award-winning writer. Her perceptions of the world are unique and insightful. She is able to make you chuckle while at the same time, surprise a tear to your eye.

She recently wrote a great piece on the perspective of time in our aging society. Whichever Gen Plus you are: Post WWII or Baby Boomer, or if you belong to Gen X, Gen Y or even are an Echo Boomer, her cross-generational insights will hit the mark. Here is the article in its entirety.

A Time Change

By Corinne Copnick

A generational time change was graphically brought to my attention on a recent trip to Boston’s Newberry Street, chock full of quaint little shops reminiscent of an earlier age. Some twenty years ago, shortly after my lovely jewelry was stolen in a home robbery – unfortunately, I had just cancelled the expensive insurance -- I began to collect antique jewelry. Small pieces were affordable, and I considered it an investment since antique jewelry gets more valuable with age. It’s too bad people aren’t afforded the same privilege. Replacing my gold watch, however, was too big an investment for me as a divorced woman. Since I was self-employed, I couldn’t expect the proverbial gold watch from my employers at retirement age. But the absent gold watch has always rankled in my memory.

Then, two years ago, I bought the “watch part” of a gold watch at a Los Angeles consignment shop that sold vintage objects reasonably and donated the profits to help senior citizens. The watch was white gold, rectangular, with little diamond chips, and fastened with a silk ribbon band in the manner of models popular in 1925.

As a precaution, I removed the excellent antique movement and fragile silk ribbon and put them in my safety deposit box in case I ever wanted to resell the watch. Then I replaced the movement with a battery. The watch was now updated in time but still needed a band. Alas, it didn’t have a pin to hold a modern watch band, only a slot on each side where the ribbon had been inserted. Temporarily, I “made do” with a sturdy black leather band that an innovative jeweler pasted into place.

Despite a search of antique and watch shops, finding a matching white gold band was fruitless in Los Angeles. While a bracelet could be modified to fit the watch, the gold color of modern bracelets didn’t match, and antique bracelets were very costly. It was the same story everywhere I went, even gorgeous Carmel, where an antique shop owner produced a triple strand pearl band that could be made to fit for $3,000. Surprisingly, I couldn’t find anything in New York either.

But then I discovered Newberry Street in Boston, and at the very first antique store I entered, there it was – my white gold watch bracelet. Filigreed, inlaid with onyx and moonstone, and circa 1925, it was the right color and could be made into a band. It was $1,200, more than twice what I hoped to pay. The jeweler wouldn’t bargain but threw in the labor. He was shocked when I bought it in one minute flat. But hadn’t I shopped around, even on the Internet? For two years?

Practically speaking, I can buy the things I need, but I really can’t afford to splurge like this on luxury items. For some time, my funds have been dissipating to buy medical necessities – just last week another $450 for a deep cleaning at the dentist, a raise from $498 to $629 a month for my health insurance, mounting costs for prescription drugs, $300 for new glasses, more for orthotics and well-fitting shoes that breathe (no cheapy synthetics). Like so many seniors, my financial resources as I’m pushing seventy are limited. I have left the ranks of the destitute rich to join the ranks of the destitute middle class.

There are the many things you have to plan for (like food and shelter), and the many other things you can’t always foresee. Little emergencies like fixing your car – hoping you don’t have to buy a new one -- when it keeps stalling for no reason. Or the rising cost of gas. Or plane tickets to the wedding of a dear friend’s daughter, the dress and grooming to look nice, the wedding gift…which brought me to the East Coast. To Newberry Street.

“I am not retired. I am only semi-retired and resourceful,” I told myself in the minute before I bought the gold bracelet. “I am still going strong. I can still work to buy the things I don’t need. I want to have a gold watch with a matching gold band before I retire.” And a minute later, I did. Then I left it at the antique shop so that the bracelet could be modified and sent to me in Los Angeles.

That is how it happened that when I strolled on the broad, alphabetical avenues in Boston, I was watchless. My left wrist, where I normally wear a watch, was completely unadorned. I stopped a friendly-looking young man. “Do you have the time?” I asked him, smiling. “Yes, indeed,” he replied, taking the cell phone off his belt. “It’s just noon.”

That’s when I began to notice that time had changed all around me. Boston, with its close proximity to Harvard, was full of young people -- lots of twenty-somethings. I had a little time to kill before meeting my forty-five-year-old-daughter-who-still-wears-a-wrist-watch for lunch. So I asked a few more “youngsters” for the time. All of them referred to their cell phones. Some were already holding them, a call obviously just completed or about to be initiated. Some reached into a jacket, others into a purse. No one was wearing a wrist watch.

Of course. Who needs to wear a wrist watch? There’s a clock on the bedside table, a clock in the kitchen, a clock in the car, in the office, on the computer. And the multi-tasking, ubiquitous cell phone always knows the time of day or night.

Suddenly, I felt young. I had no watch, but I had a cell phone in my purse. Why had I asked for the time when all along I had it with me? All of a sudden, time was on my side.

When my beautiful watch arrived in Los Angeles, I decided to wear it only on “dress” occasions, as a curiosity, something from the past. Obsolete. Oh, I was so glad I had purchased a near-antique for investment. Now I smile when I look at the wrists of my chronological contemporaries who are still wearing watches on their wrists. They can’t tell from looking at me that I have stepped forward in time. But I know. Psychologically, I have changed generations.

Copyright, Corinne Copnick, 2005, Los Angeles, CA. All rights reserved.

Thursday, May 05, 2005

Aging in China

When I started Gen Plus, it was with a singular focus -- help 50 plus who want and/or need to find work while helping companies fill their management crisis as many of their managers retire. The picture, as I become more involved in the issues surrounding the employment crisis, is much broader and far scarier.
I've been researching China. A fascinating country, a culture so different from the Western world that to understand it, one must learn about the culture as one would a new language. A society that is both agriculturally rooted through rural commuties and far ahead of us in all things consumer and urban.

Yesterday, I touched briefly on Shanghai and the aggressive, incredible consumer bubble that continues to rise in China. There are more societies outside of the US looking at the 50 Plus crisis than in the US and the main reason, in this author's humble opinion, is that the American Dream, the desire to achieve, has outpaced the family intergenerational connection and resulting sense of social responsibility. China has prematurely aged as a society due to the program of family planning in the 1900's. Adding to the disruption is the compelling push on consumerism and as a result, the focus on family interconnectness is beginning to show some serious breaks.

In October 2004, a reporter for People's Daily (China) interviewed associate research fellow Wang Di of Hangzhou Normal Institute and member of the special population aging committee of China Academy of Population on the challenges currently facing China and its aging population.

The full article is a great read (for those as insanely dedicated to the 50 plus demographic as I am), even with some grammatical errors, but in summary, by mid-century, the Chinese population over 60 years of age will equal approximately one quarter of the country's total population...or 400 million seniors. More than the entire population of the United States.

In the US, there are approximately 78 million Baby Boomers -- by 2015, they (we!) will all be in the 50 plus demographic. Adding in the Post World War II retirees, we are looking at a much larger percentage of our population sitting in the 50 plus category. Larger than China's.

The part of the conversation that interested me, in addition to the shocking stats, centers around the financial concerns of the aging Chinese, the lack of a social safety net, and a realization that even rural seniors will continue to work until they no longer can. For a country with such a strong commitment to family values, Chinese seniors are losing their ties to their children as they leave the rural areas for cosmopolitan careers. All eyes are on what the Chinese government is working on as the senior explosion erupts.

What scares me is that the same pattern has already been in place in the US, and growing since at least the 80's Yuppie, Me, Me, Me era. That is when all assumptions about where one would live after college graduation changed. With the ease of travel compounded by the communication doors opening up the world through the Internet, the traditional family expectation eroded. We moved away from our homes. In Canada, from Montreal to Toronto, to Vancouver. In the US, from Buffalo to NYC and Boston, from Minneapolis to Chicago and LA.

The world view on aging must recenter and refocus on family responsibility. There has been a slight refocus over the past 5 years, but not enough. Not enough to support our aging brothers and sisters. I also believe that we have a social responsibility that has been ruptured in the US and that we must get it back on track.

Wednesday, May 04, 2005

Shanghai or bust?

There are almost 34,600 search results for Shanghai on Technorati , the blog search engine.

Shanghai view from water Posted by Hello

Pictures of Shangai in this post courtesy of www.travelchinaguide.com

Every day the western world is waking up a bit more and taking notice of the mighty, mighty power of China. And it is most apparent just by taking a virtual stroll through Shanghai, the hip, alluring jewel of China, the capitalist mecca of the East.

In Shanghai, there is Flagship store, followed by Flagship store being built. From Armani, to Gucci, to Omega to Starbucks! Everything American is desired by the Chinese consumer.

Pudong Posted by Hello

And the Chinese economy, as different to ours as salt is to pepper, is booming...just as ours did during the migration to the West coast during the Gold Rush.

How is the 50 plus and senior population treated there? Differently than in Beijing? Are their 50 pluser's also feeling the pressures of joblessness, ageism, loneliness? Within the affluent citizenry of Shanghai, do our East Asian counterparts have the disposable income that a majority of us share in the West?

Shanghai Posted by Hello

I'm both scared and intrigued. Much more on this later as Gen Plus delves into the Shanghai phenomenon.

Tuesday, May 03, 2005

Blog, Blog...What is Blog? Gen Plus is here to help!

For my colleagues and friends edging into 50 and 60 plus, Blog is a foreign word. Actually, they are afraid of Blog, afraid to Blog, to Post, to Email, to Comment. Why? Because this whole new form of communication is like some sort of whirling dervish. They just got used to the INTERNET. And now, internet communication is turning inside out with the world of Blog.

There is a Star Trek episode that I have never forgotten -- "Spock's Brain." It is a terrible episode -- hailed as one of the worst of the series. But it is so darn bad that it is fantastic!

There is a planet filled with beautiful women (per usual), but these women are controlled by a central computer that has "kidnapped" and is using Spock's brain. At one point, Bill Shatner, in his understated style, shakes one particularly gorgeous woman, Kara, by the shoulders (I believe it was after kissing her...) and asks her, in his frustrated stammer "But can't you just use your BRAIN?". To which she replies, "Brain, brain?....What is brain?"

Kara: "Brain, brain? What is brain? Posted by Hello

Whenever I mention the term Blog to friends and associates, I get the same reaction. "Blog? Blog? What is Blog?"

Well, blog (weblog) is simply an easy-to-use website interface that allows for a high level of interactivity. Due to this ease of use, it has become a highly accessible form of Web Diary. Used by friends to share with friends, families to share news with other family members, and now, by business to provide immediacy to the consumer/client, vs. the generally more static website.

If you are reading this post, it is because you have an interest in the medium...and, the medium IS the message. It is fun, easy and I encourage you to take a stab at your own blog.

Trying to find a new career? Create your own webpage to highlight your skills! Looking for love? Use your site to draw attention to your search. You are only limited by your own creativity. I guarantee that you'll be surprised by the level of creativity that you are able to invoke.

Monday, May 02, 2005

50 Plus, Senior Plus -- Too Knowledgeable to Retire

I'm an older mom. That means, I had my child at 40. I'm fortunate in that I've followed a rising career path for many years prior to having her. I can afford to give her a comfortable life.

This morning, as I was speaking briefly with the Director of her pre-school and some of the nursery school staff, they asked me the same question that many of my friends and colleagues have asked me since I launched Gen Plus.

How did I come up with the concept for Gen Plus?

The reason they were so interested is that they felt addressing the needs of 50 plus in the way Gen Plus approaches the demographic was unique, insightful, and serving a dire need.

The fact of the matter is that I had a long time to think every day. I was driving an hour to work in the morning and about an hour and half to come home. Stuck in traffic, every day, pondering the amount of time I was wasting every single day. But the thought process is an interesting one. Creative thought never surfaces when you wish it to. It surfaces when it is ready.

In my case, about two years ago, a financial planner came to my office to discuss the future of my finances.

After I had my child, I made out a will, a living trust, and taken out life insurance. And realized that I would probably not be able to retire in comfort. I was in my mid-forties at the time, with many friends just entering their 50's. I was seeing, second-hand how many companies chose to downsize. They would eliminate the higher earners once they reached their 50's. Less insurance costs, less salary, and little regard for company historians. I was not in a company like that, however, I was keenly aware that I was edging toward that demographic, and if I were in another company, I'd be a fool not to see the writing on the wall.

So, what was I seeing?

  • Talented friends and business colleagues being laid off and finding it impossible to secure new employment.
  • Film director out of work at 52.
  • Corporate hot shots choosing 2nd careers as professors, teachers, child development workers.
  • Friends unable to leave jobs they no longer cared for because they could not get a hit on a resume.
  • Women 58 and 65 years old starting new businesses in the hopes that they would develop in time to sustain them.
  • 68 year old salesman, hoping for an hourly job from senior friendly corporations to help supplement an underfunded retirement income.

Not a good picture. People with talent and knowledge being pushed out of the workplace. People too knowledgeable to retire.

So, I'm sitting with the financial planner.

He tells me that I have 15 years until retirement. I tell him I have 5. He looks at me with skepticism and a bit of attitude, until I tell him how ageism is hidden within fiscal tightening in the marketplace. And he has no choice but to agree. So while we looked at my 5-year plan, the seed of the idea for Gen Plus was imbedded.

One day, on the 405N, sitting in unending traffic, trying to stay awake by hopping stations or getting irritated by Tom Leykus (he will irritate you to wakefulness), I realized that I wouldn't wait for someone to figure out how to service my issues in my 50's or 60's or 70's. A strong plan to employ 50 plus, combined with selling products created by those 50 and up could have a huge impact on the coming generation's financial health.

To top it all off, I'd been doing a lot of research on the looming management crisis -- the sheer numbers of Boomers leaving the work force and the impact on the economy by 2010-- and I knew I'd found the tribe that I wanted to help and work with.

Are there companies that hire 50 plus?

Sure there are. AARP lists many of them, and Gen Plus will be posting free links to any 50 plus-friendly company we find. But are there many more wearing blinders about the upcoming management crisis? Yes.

When I go to my bank, my 23-year old Small Business Consultant tells me that the bank would like him to manage the branch. How is that even possible? He's sharp, he's up-to-speed on banking, but certainly there must be hundreds, if not thousands, of 50 plus candidates who would give anything to manage a bank. That is the thinking that must change. I intend to change it.

My daughter will turn 20 when I turn 60. Prior to retirement, I have college tuition to think about.