TransformingYourCareerTransformingYourself

Currently the economics of keeping a roof over your head tilts toward renting versus home ownership. Yahoo Finance documents: "An analysis from Zillow and Thumbtack estimated hidden costs alone have climbed to nearly $16,000 a year on average, or an additional $1,325 a month on top of a mortgage ... CBRE calculates ... the monthly costs of a mortgage payment, taxes, insurance, and maintenance are more than double the cost of renting, on average." An added incentive to renting is that in a growing number of cities rents are coming down because of apartment over-building. There are even promos in which free rent for a month or more is part of the deal. But the wrench in the works, at least for those generations socialized to being concerned about status, is the stigma associated with the negative perception that "you aren't able to own your own home." That reflects what research proved out: Ownership of whatever is rated higher than renting whatevers. We boomers...

  In this Substack column I give a peek into how networking operates among the ruling class. It's necessary. And it can be dangerous.  In intuitive coaching/tarot reading I warn about guilt by association. That could be simple as chumming up with a CEO who winds up getting forced out.    Thrown off your game, maybe the first time since you started working? You made all the right moves and then the world moved in another direction. Intuitive Coaching. Special expertise with transitions, reskilling and aging. Psychic/tarot readings, upon request. Complimentary consultation with Jane Genova (Text 203-468-8579, janegenova374@gmail.com ). Yes, test out the chemistry. Zero risk.

  Dow Jones Industrial Average INDEXDJX: .DJI Market Summary  >  Dow Jones Industrial Average 45,921.57 +169.31  (0.37%) today Nov 21, 10:42 AM EST  •  Disclaimer UPDATE: Market Summary  >  Dow Jones Industrial Average 46,107.79 +355.53  (0.78%) today Nov 21, 11:35 AM EST  •  Disclaimer UPDATE: Dow Jones Industrial Average INDEXDJX: .DJI Market Summary  >  Dow Jones Industrial Average 46,460.07 +707.81  (1.55%) today Nov 21, 12:14 PM EST  •  Disclaimer

  Dow Jones Industrial Average INDEXDJX: .DJI Market Summary  >  Dow Jones Industrial Average 46,745.77 +607.00  (1.32%) today Nov 20, 9:34 AM EST  

  Tiny uptick in the Dow. But after that sustained bloodbath, we are grateful that the plunge has halted.  Dow Jones Industrial Average INDEXDJX: .DJI Market Summary  >  Dow Jones Industrial Average 46,128.81 +37.07  (0.080%) today Nov 19, 9:47 AM EST  •  Disclaimer

  It's been forever in the general news and not just legal media: How so-and-so got into the soup because of emails. No, don't put in email what you don't want made available to the media, law enforcement and more.  This had to be known by Larry Summers, Michael Wolff and, you bet, Kathy Ruemmler who is a practicing lawyer. Yet, they obsessively communicated with Jeffrey Epstein in emails which, as we all know, now have been made public.  So dumb was this that in Politico Richard Bradley calls Summers an "asshole." The guy is finished. There's no coming back from the tone and content of the emails. It will be only a matter of time before he will have to announce his resignation from teaching at Harvard. Smirk. What about his marriage? Soon the media will discard Wolff, no longer giving him a forum for defending himself. How will he ever gain access again to the sources he needs to continue a career in writing? He can try creating his own megaphone through pod...

  When you grow up. That's what parents, teachers, clergy and more used to dump on youth. But, what if it is no longer possible to grow up. That is, become an adult. The odds ae against transitioning from the no-responsibility phase of human life to the burdens of growing up. With scooters and e-bikes, no need to get a driver's license. Remember how that used to be a rite of passage. That first job may never happen. Various forms of Universal Basic Income will have to kick in around the world. That is, if leaders intend to prevent riots. Having famlies. Forget it. Way too expensive. Employers used to choose to hire those with families because they assumed that responsibility matured them.  Home ownership. Why bother. The multi-generation household is becoming standard. As the oldest of the boomers I grew up in one of those. Our immigrant clan got by, even when several members were out of work.  So, society's whole approach to youth has to shift. We have to see that they d...

  After yesterday's bloodbath in the stock market, futures continue down.  In addition, some of our Social Security COLA will go right into the boost in the expense for Medicare Part B. What, me buy big during the holidays. Not this year.  UPDATE: Dow Jones Industrial Average Index Index: DJI Compare 46,259.96 USD ▼  -330.28 (-0.71%) today November 18, 9:39 AM EST  ·  Market Open

The massive layoff at Amazon blindsided this employee, reports BusinessInsider , because:  " ... we are heading into the holidays." Once taboo, holiday RIFs (reduction in forces) and firings have become okay. With its new leadership Verizon went straightaway and announced that 15,000 or 20% of the workforce will be let go.  This grinch stuff is all the more tragic because simultaneously it's difficult to get any movement on a search for a job or even contract assignments during the holiday season.  Some of my clients, both here in the US and in Canada, are using this "pause" to condider seriously a career change. However, they come to my coaching/tarot reading because such a shift is overwhelming. They need an objective and empathetic third party to sort through the options. Please reach out for a complimentary consultation. No pressure. If you find additional sessions helpful, fee is customized for your unique budget. You can arrange an appointment with me Jane...

A hot news item - bad news sells - is the dismal job forecast for your BA/BS Class of 2026 .  But as an experienced intuitive career coach and tarot-reader I assure you this: That's not destiny. In fact, for those of you willing to leap out of the box you've been wedged into since nursery school, you could not only be working but be on your way to building wealth. As I said, you have to be willing to go the career journey less traveled. And you can start creating your resume for that right now. That's the beauty of these out-of-the-box ways to earn a good living. Today is the first day of your career. One path is being a nanny to the financially comfortable. BusinessInsider, a platform focused on pragmatism, salutes that well-paying job, filled with upscale living and perks like yacht travel. Also, what I know from coaching is that it can be a stepping stone into other kinds of work. That's because your well-connected employers can spot your strengths, mentor you and op...

  Gavin Newsom has been mutating into the leader of Dems. That is, Dems who are determined to win the midterms and recapture the White House in 2028. He also could be the one to pull off the latter by being the chosen candidate. Given that Newsom declares the "Democratic Party of Old" is over, in Manhattan Jack Schlossberg, age 32, might have a shot at replacing Jerry Nadler in the US House. His other edge? He's so New York. That can override liability of being a Kennedy. Dynasties are out. Also, already this one-time free spirit shows he's maturing. Coaching takeaway: Brand yourself as youthful. Thrown off your game, maybe the first time since you started working? You made all the right moves and then the world moved in another direction. Intuitive Coaching. Special expertise with transitions, reskilling and aging. Psychic/tarot readings, upon request. Complimentary consultation with Jane Genova (Text 203-468-8579, janegenova374@gmail.com ). Yes, test out the che...

  Dow Jones Industrial Average DJI: ^DJI 48,411.89 +483.93  (+1.01%) As of Wed. Nov 12, 2025 9:59 AM EST · Free Realtime Quote (USD) · Market open

  Aging has split into two.  There are the blessed. As The Wall Street Journal documents, those are the ones who own stocks: "Many Americans who own stocks are feeling good about their finances, with a market that’s continually shrugged off economic concerns and pushed major indexes to record highs." They don't have to work for additional income. But they come to me for coaching in order to start a micro enterprise. That's to stay involved with what's happening in business. They are making being a solopreneur increasingly standard for the over-65.  They might have tried to pick up gigs but gave up. They realized youth is also chasing that kind of work. Actually they don't need the income to survive. Just wanted to stay busy. If they are fully retired they are staying that way. Since it's so difficult to gear up to re-enter a tech-driven workplace I no longer accept as clients those who are struggling to unretire. The exception, of course, is if they want...

  Dow Jones Industrial Average DJI: ^DJI 46,987.10 +74.8  (+0.16%) At close: Fri. Nov 7, 2025 4:20 PM EST · Delayed Quote (USD) · Market closed

During the night Dow stock futures, which were up about 95 points, couldn't hold it. CNBC reports they're down again. The downward movement is mostly triggered by the wariness about AI valuations. The weak spot in AI is what's being called the "circular" nature of the business. AI players are selling their AI products and services to each other. That means if one of those businesses collapses, it could negatively affect others. Meanwhile there's the hunch that in the AI war, China will win.       Thrown off your game, maybe the first time since you started working? You made all the right moves and then the world moved in another direction. Intuitive Coaching. Special expertise with transitions, reskilling and aging. Psychic/tarot readings, upon request. Complimentary consultation with Jane Genova (Text 203-468-8579, janegenova374@gmail.com ). Yes, test out the chemistry. Zero risk.

  Not a good Thursday. The Dow was down nearly 400 points. Tech, of course. Friday may be better. CNBC reports futures are up 95 points. That's the right direction.

  The 2025 Davis Gilbert PR Trends Report confirms what so many in communications have sensed - or have actually experienced in layoffs, not being hired for entry-level jobs or inabillity to nail gig assignments. That's this: The sector is no longer a high-flyer, insulated from so many of the macro forces which deliver hits to other industries. Explicitly the report says: "After years of steady growth, firms are now grappling with economic uncertainty, shifting client priorities, and increased competition." The numbers tell the tale. Of the firms surveyed: Only 50% anticipate profits to increase, down from 57% 35% anticipate a decrease in profits, up from 22% 15% forecast no change. Large firms are positioned better to navigate the changing factors. Smaller firms not so much.  Given the ageism in the sector - remember how Edelman conducted the large layoff of seasoned PR representatives - the number-one question I get in coaching is: Should the generalist or specialist go...