Home › Forums › Financial Markets/Economics › Younger workers everywhere
- This topic has 306 replies, 20 voices, and was last updated 8 years, 3 months ago by
bearishgurl.
-
AuthorPosts
-
February 19, 2016 at 2:45 PM #794530February 19, 2016 at 2:53 PM #794531
Clifford
Participant[quote=moneymaker]I’ve noticed lately that Home Depot, Kohl’s, among others have a lot of young workers. Is it just me getting old or have others noticed the work force getting younger?[/quote]
That is because most millenials are having a hard time finding jobs with their degrees. So, they ended up taking retail jobs.
February 19, 2016 at 4:06 PM #794532FlyerInHi
Guest[quote=bearishgurl] You’re asking so I’ll tell you. Gubments (incl police and fire agencies), utility and road workers, hospital workers, food service and hotel workers and any other worker position that is traditionally “represented” in CA doesn’t want to hear about all your “good ideas” to “save face-time” at work. H@ll, some of those employers still use time cards! Believe me, the wheel was invented before you were born and the “rulebooks” were written long ago. They’ve heard every excuse in the book why you can’t be at work today and have to “see your kid” in the middle of the biz day or whatever. If one of their “processes” could have been “improved” without the agency or dept suffering other ill consequences, it would have already happened. Employers are not in the business of making YOUR personal life better.
Sometimes I think millenials act as if they’re the only ones who ever thought that work tasks could be done more efficiently, lol …..[/quote]
How about using electronic time time cards?
It’s not about employers anyone’s life easier. It’s about employers understanding and welcoming employees who are creative when they have more self determination to do what needs to be done. The end results matter, not so much the work place rules.
February 19, 2016 at 4:20 PM #794533GuestBG, I can tell you that when I rent out my vacation rentals, I prefer younger tenants.
The old boomers are dumb and slow. They ask a lot of stupid questions, and want a person to meet them. Younger people figure things out very fast. They don’t need to talk to anyone. Just put WiFi info on a sticker and young adults know what to do. They don’t need to be told where the pool and gym are located, and how to use the keyfobs, what restaurants you recommend, etc.. In fact just send them info by text and they take it from there. Old people are so irritating sometimes.
That’s why shopping is migrating online… young people are tech savvy, know what they want and don’t need help. The boomers are “needy” in that they want people to say hello to them and provide service.
February 19, 2016 at 4:32 PM #794534flyer
ParticipantI think it’s very hard to generalize about any particular generation, so I’ll share a little about my own life experience as a Boomer (and similar to most I know) only to help dispel common misconceptions about my generation.
As mentioned before, both my parents (whom, contrary to many comments here, I wanted to be exactly like, with no latchkey kids in either generation) and my wife’s parents, encouraged and emphasized establishing financial freedom ASAP in our lives as they had, and I was involved in investing in real estate even before I went to college. Everyone in my family was into real estate investment, among other things, so it came naturally.
This, among other things, gave us the freedom of not having to be tied to jobs, or at the mercy of employers–unless we chose to pursue careers we enjoyed–which both my wife and I did–she in film, and I in aviation, but we still had, and continue to have quality personal and family time for everything we need and want to do.
I could go on, but my point is, no generation has a “lock” on how to live. Believe me, there are people from every generation and in every age group who are living and have lived the lives they want to live, and some are not–it’s all individual.
February 19, 2016 at 4:44 PM #794535GuestWhat I like about millenials is comedy. Thanks to them, politicians have to get on comedy shows to relate.
Watch for change when millenials get older and start voting, especially during mid-terms.
Another things about millenials is that their coming of age coincided with tech becoming mainstream part of the economy. And tech is also the fastest growing part of the economy.
Tech is upending the establishment in many so ways. From film/cinema, to education, politics, journalism, fashion, etc… Very exciting times ahead!
February 19, 2016 at 5:17 PM #794536bearishgurl
Participant[quote=flyer]I think it’s very hard to generalize about any particular generation, so I’ll share a little about my own life experience as a Boomer (and similar to most I know) only to help dispel common misconceptions about my generation.
As mentioned before, both my parents (whom, contrary to many comments here, I wanted to be exactly like, with no latchkey kids in either generation) and my wife’s parents, encouraged and emphasized establishing financial freedom ASAP in our lives as they had, and I was involved in investing in real estate even before I went to college. Everyone in my family was into real estate investment, among other things, so it came naturally.
This, among other things, gave us the freedom of not having to be tied to jobs, or at the mercy of employers–unless we chose to pursue careers we enjoyed–which both my wife and I did–she in film, and I in aviation, but we still had, and continue to have quality personal and family time for everything we need and want to do.
I could go on, but my point is, no generation has a “lock” on how to live. Believe me, there are people from every generation and in every age group who are living and have lived the lives they want to live, and some are not–it’s all individual.[/quote]Yes, I agree that we’re generalizing too much here … me included. But flyer, you’ve posted before here that you were a (represented) pilot for a commercial airline and now collect a defined benefit pension which is no doubt heavily contributing to your day to day “security” now. In addition, you’ve posted here that you and your spouse are able to avail yourselves of a nationwide healthcare plan (PPO) negotiated by your union. And rightly so … you deserve it.
Therefore, you have “paid your dues” with an “establishment” job which you had to “show up for” in earlier decades of your life.
You are very fortunate, flyer, in that your same healthplan IS offered by MY retirement association but it would cost me over $2100 month and that is far more than my monthly pension! Hence, I have an “obamacare” plan and all of the several-times-per-year BS that Covered CA puts me though in order to keep my plan “active.” It’s absolutely ridiculous and I HATE having to deal with it. I wish I had my old (grandfathered) plan back that was taken away from me due to the ACA. The PTB could have just dealt with the group with pre-existing conditions and figured out a way to get THEM coverage and give THEM a subsidy to pay their high monthly health plan premiums. They didn’t need to mess with the plans the rest of us had. We in the group which had to “medically qualify” for our plans were happy with them.
February 19, 2016 at 7:04 PM #794537ParticipantYes, BG, I have posted the points you made above, and, yes, those are the facts, but the purpose of my recent post was to illustrate the point that, as Millennials like to point out regarding their options in life, many of us, as Boomers, were also in a position to choose how we lived our lives–in direct opposition to common myths floating around about our generation.
In our case, because of the groundwork we laid in real estate when we were young, and those income streams, as well as others, my wife and I chose the careers we preferred, and were also able to take long leaves of absence (years in some cases–thanks to my favorite–the union:) when we were still young and enjoyed life and raising our family along the way, yet were still able to maintain the security our careers provided. Thus proving it is possible to maximize the offerings of the establishment in one’s favor.
BG, I completely understand we all have had different life experiences, and that everyone has different challenges. From what you’ve shared with all of us, it’s clear that the way you have managed your life, given the responsibilities you’ve shouldered, is impressive. You are a Boomer who has succeeded in doing exceptionally well for yourself and your kids where others might have failed.
I’m sorry you’re having to deal with the health care situation you’ve described, and I know Medicare & SS still seem far away for those of us still in our 50’s, but we’ll all get there eventually.
February 19, 2016 at 7:27 PM #794541ParticipantOh, and btw, my carrier has made over $10K from me in both 2014 and 2015 (the excess of my premiums over my claims they paid).
I’m a “cash cow” for them, yet they have no say in whether they get to “keep me” as a customer … or not!
February 19, 2016 at 7:33 PM #794540Participant[quote=flyer] . . . I’m sorry you’re having to deal with the health care situation you’ve described, and I know Medicare & SS still seem far away for those of us still in our 50’s, but we’ll all get there eventually.[/quote]Yeah, I seriously wish I could be a few years older now so I could qualify for Medicare. A nationwide PPO for MC Part B and D (w/brand name drugs, etc) currently costs less than $400 month in our region! In my mind, implementing the ACA was a absolute fiasco and Covered CA is beyond incompetent. It’s unbelievable and wastes so many hours of my time. For the first time in my life, I am made to feel like I’m on “public aid.” And my “subsidy” only covers a little over a third of my monthly premium. I would rather not have it at all and have my old plan back. It would have cost me 3X the monthly premium of my pre-ACA plan to renew my Covered CA plan for 2016 (in it’s 3rd year in existence)! Hence, I had to downgrade a metal level to keep last year’s premium. Meanwhile, as a result of low reimbursements, two of my longtime providers “retired” at the end of last year and a local lab one of my providers always used abruptly quit my plan, leaving me with a $173 “out-of-network” bill which should have been $19 and paid by my carrier! I could go on … and on. Suffice to say, the system is effed up beyond recognition now and there are wa-a-a-ay too many fingers in the pot with the right hand having absolutely no clue what the left hand is doing. Thus, CC customers are receiving letters with conflicting deadlines to “produce documents,” letters retracting previous letters already sent, letters threatening to cancel their plan when they’ve already done what CC asked of them weeks ago, etc, etc. It’s not only me … I’ve seen these letters from several others.
The above is happening all the while these customers have given CC the authority to review their tax return numbers until 2020! CC’s reps have actually stated on my speakerphone with two other witnesses present that they don’t believe the numbers people put on their tax returns! Several people I know have actually “lost” coverage for a period of time after paying their premiums every month. I myself “lost” coverage (I had a Platinum Plan) from 4/20/15 to 4/30/15 while CC was “reviewing” my filed tax return. This is after paying my exorbitant monthly premium for April. I didn’t find out about it until I went to the pharmacy to pick up a prescription and found out I was not covered! When I called my carrier (4/30) to ask why, they told me that CC canceled my coverage. When I called CC and asked why, it was explained to me that they were reviewing my tax return and I was “in the clear” now and they would reinstate my coverage, effective today. How can they legally cancel my coverage mid-month when I paid my premium for the whole month?? There was no apology, no offer to reimburse one-third of my monthly premium …. nothing.
This whole crapfest has really gone wa-a-a-ay too far.
I expect I’ll have to downgrade my plan again for 2017 when my carrier decides to slap me with another $250+ monthly premium increase. We’ll see what happens.
The ACA needs to be scrapped and we need to start all over (making sure those with pre-existing conditions get coverage which is “affordable” for them). That was its main purpose. I’m happy to pay my premium every month but I don’t need or want the grossly incompetent CC in my business and neither does anyone else. Thanks for listening.
/threadjack
February 19, 2016 at 7:39 PM #794542ParticipantBG, may I ask who your healthcare provider is–Scripps, Kaiser, etc.? Could it be they are contributing to the problems vs. just CC?
February 19, 2016 at 7:42 PM #794543ParticipantWhen I get the energy, I’ll start a thread on the ACA/CC debacle, cuz there is so much more I could relate to you all that is so mind-boggling that its hard for an intelligent person to fathom. I’ve assisted several other CC customers aside from my own account and the the things that I have seen, heard and learned on how the ACA/CC actually operates would make Joe and Jane 6p really, really angry. And likely the Piggs, as well. I still intend to finish other posts I promised in recent months.
February 19, 2016 at 7:43 PM #794544Participant[quote=flyer]BG, may I ask who your healthcare provider is–Scripps, Kaiser, etc.? Could it be they are contributing to the problems vs. just CC?[/quote]It’s just CC. My carrier is Blue Shield of CA and they have no say in CC accounts, whatsoever.
February 19, 2016 at 7:50 PM #794545Participantflyer, I believe that providers (incl ancillary providers such as lab and xray) will continue to drop like flies out of CC plans due to ultra-low reimbursements. For instance, a lab bill which for years was covered by my pre-ACA carrier (Aetna), who paid $38 to $43 for this service. Now, the reimbursement for the same service is just $19 with BSoC. And the list goes on.
I have a PPO and thus get all my bills and EOBs and can see for myself the difference of what my providers used to be paid and what they are paid now.
BSoC is the ONLY PPO on the SD area exchange (Region 19).
February 19, 2016 at 8:36 PM #794546ParticipantThat is ridiculous, BG, considering all of the government assistance being paid out. I can see your frustration, but, since medical coverage is definitely essential, not to mention required by law, all you can do is hang in there, and hope we see some much needed changes legislated until your Medicare kicks in.
If we don’t see some changes, I think we’re going to see a whole lot of people between 55-65 in years to come who are financially ruined by medical coverage issues, if they don’t retire with a health plan from their employers.
Over and out for this evening. . .
-
AuthorPosts
- You must be logged in to reply to this topic.