Skinny Jeans

20160506_093633_001I adore skinny jeans, compression leggings and jeggings – the kind of pants that give a comforting hug to my hiking-weary old legs.

But the current below-waist design of today’s skinny jeans drives me batty. I keep struggling to pull the darn things up, thinking they’ve got a hankerin’ to wander below my butt. And all that yanking threatens crotch chafe.

skinny-jeansThese duds seem designed for croptop-loving women who yearn to show off their midriffs.

Well….It’s gonna take a few thousand more crunches for me to go that route – if it EVER happens.

It seems that those skinny-jean manufacturers expect women my age to be settin’ our fat, blue-haired bodies in front of the daytime soaps. I imagine they think we all wear seersucker, snap-front house dresses.

Perish the thought —

and put some more material at the top of my skinny jeans, PLEASE!

On Writing

Writing is the ideal remote work for boomers and seniors. It takes little upfront expense or hardware to get started. It can be done from anywhere, including an RV. Of course, it takes skill, and if you have some innate talent much can be learned without a huge financial outlay. Best of all, you are totally in charge of what you write.

I have a damn good ear for when something I’m writing is “off,” and when it’s really really good. My practiced ear comes from years of writing but I think it’s been primarily developed by reading voraciously since I first learned to read.

As Stephen King has said: “If you don’t have the time to read, you don’t have the time (or tools) to write.”

If my writing is “off” I seldom know why right away. I have to put it aside and read something else – writing tutorial, a good novel, a great blog. Or just get to my best thinking places – hiking trail, treadmill, pool side. Inevitably something will hit me about what I must change and how. Often the insight comes from an unexpected source.

stephen-king-on-writingThis week’s insight about what the hell was wrong with parts of my first e-book came from the wonderful On Writing book by Stephen King. I’m reading his delightful story about how he got started and wham! something he says sets my creative lightbulb to high beam.

Today I’m spending reworking the e-book’s problem areas – thanks to Stephen King.

Can’t hike for a few more days on orthopedist orders, so my break will be swimming – and more On Writing pool-side reading.

If you write or want to write, you MUST read this book. It’s not only full of irreverent stories of his early years – stuff we don’t hear about him anywhere else – but it teaches in an easy-to-read, immensely retainable way, many tips and tools for writing success.


Have you Ever Thought about Starting your Own Business?

If you’re not sure what you might want to do, and you don’t have a lot of money to invest,  consider your loves – what you enjoy doing, what gets you so involved that you forget to eat, miss appointments, and lose all track of time. Jot these down somewhere – perhaps a tiny notebook that you carry with you at all times, a sticky note on your laptop, or memo pad on the home page of your smartphone. It might be swing dancing, hiking, writing, volunteering, or baking.

Add to that list your areas of experience and expertise. Think about your jobs and the things you accomplished that make you proud. Were you the first in your department to make a suggestion that came to fruition? Did you design the first “XYZ”? Have you been a mentor or SCORE counselor to someone whose budding business is now worth millions? Did you start as an overweight couch patio and teach yourself to hike 10 miles a day and slim down? Are you an accomplished business plan writer? Pianist? Wood carver? Programmer? Floral designer? What do you know that others might want to learn about?

Now think about what you bring to the expertise table that is unique. If you’re a wood carver, for example, are you lightning fast? Or do you / would you create customized pieces for others? Have you been doing this since age 5 at your grandfather’s knee? Do you have or could you take great pictures of your finished products?

At this point you’ll probably have a hefty list. If not, ask others that know you well to tell you what they see as your strengths, skills and accomplishments.

Now, add to that list your funny, entertaining, heart-wrenching, and / or uplifting stories – the ones that elicit the response, “you ought to write a book” from the friends, colleagues and family that you tell them to for the first time. Perhaps you, a Minnesotan, went hiking in Arizona for the first time with a friend and it got hot, you both got overheated, and had to be rescued, just in the nick of time.

As example, I remember well our family dog Poco developing tumors right after my mother died of cancer, and my sister and I trying to put bandaids on Poco so she’d heal. Dad then took her to the vet and we asked him over and over, “You’re not going to put her to sleep, are you?” and him saying “No” over and over again.

Later that day I returned to the house to find dad burying Poco in the backyard. While I had held it together throughout mom’s funeral and burial this was the last straw. I screamed at dad. I cried for days. I’ve longed to write a book about Poco and what she meant to me, and how she stayed by mom’s side as mom got sicker and sicker. And then Poco died of the same disease shortly after.

clip-art-of-a-chubby-businessman-working-at-a-desk-by-dennis-cox-858So, if friends say, “You ought to write a book” – well, you ought to.

Amazon has a great program with its Kindle division. Anyone can write about anything, and quickly be a published author. I have trained to do so, and am just starting my first e-book, hopefully out Dec. 1. But this isn’t about me, and so I’ll tell you more later. This is about YOU.

If you write well, and are disciplined, you should be able to do this in 2 weeks or less. Just set aside some time each day to write. Then go to Udemy and sign up for a free or inexpensive course on publishing in Kindle. I took two dynamite courses – one free, and one $11, that taught me how to determine if my idea was marketable, how to market it and how to publish.

You can hire someone to do the publishing end of it instead of tackling that yourself.

For inexpensive book covers, and / or publishing help go to Fiverr and hire a freelancer. My book cover is costing me $25, and that includes an extra $5 tip I gave the artist. I am handling the publishing myself.

If you DON’T write well, I would be willing to ghostwrite it, or edit it, for a percentage of its sales, provided you can convince me it has an audience. Or we can work out a fee. You can also look to Fiverr for a ghostwriter or editor.

For success, you must have or build up a strong social following on such as Facebook, Twitter, Google+, Instagram, and / or LinkedIn. Amazon lets you keep 70 percent of all sales if your book is priced $2.99 – $9.99. Above or below that and your take is 35%.

While Kindle isn’t the only publishing option, having your book on Amazon is a great way to get your e-book author feet wet.

Sun City, AZ – a beautiful bargain

20160714_090434I’ve been a resident of Sun City for over a year, and I highly recommend it as a place to thrive as snowbird or year-round resident. Yes, it’s a hot hot summer, but within 90 minutes or 2 hours are Arizona cities such as Prescott, Sedona, Payson and Flagstaff that are 20 to 40 degrees cooler. The Grand Canyon is a mere 3 hour drive.

Sun City has 7 community centers, each with pools, hot tubs, fitness centers, meeting rooms, and restaurants.

20160714_081639Two centers have libraries and bowling lanes, racquetball and billiards. Many have outdoor game fields such as bocce ball and miniature golf, and gyms that host dancing parties, free movies and fitness classes.

There’s a park with waterfall, gazebo, lake and pedal boats, a Sun Dial outdoor concert arena, a baseball field, and two 18-hole golf courses.


More than 200 clubs give residents a chance to get to know each other and pursue their favorite pastimes, from Zumba to politics.

You can buy a house or condo. I own a condo. My HOA is responsible for the landscaping, the roof, air conditioning maintenance, trash and sewer.

Sun City is safe. Security is a prime concern, and the Sun City Sheriff’s Posse – a group of volunteers – work with the Maricopa County Sheriff’s office – to watch over the empty homes of snowbirds and make wellness checks on the elderly.

Sun City is an inexpensive retirement place. When I moved from Phoenix my car insurance immediately decreased $15 a month. Because there are no schools property taxes are incredibly low.  I pay $276 a year – yes, a YEAR!

To move in, you pay a one-time $3,000 fee. Annually there is a $476 fee for use of the facilities and free access to concerts, movies and other events. Should a friend or two or three come for a visit they can take part at no charge if with you, or you can buy a 2-week $20 pass for them to go without you.

20160717_075206 (1)

Sun City is a fun, economic, beautiful place in which you can feel safe to walk at any hour of any day or night. You would love it here!

Smart Car Shopping – Here are some Tips

Since recently hearing a couple of horror stories about car shopping, I decided it might be a good time to share some tips on savvy car shopping.

If you’re a member of USAA, do take advantage of its Auto Circle program to buy a car at a considerable discount. The program not only  lets you take advantage of negotiated discounts from USAA, but it also lets you head to the dealership with that dealer’s agreed-upon price in hand, and even a guarantee on the trade-in value of your current vehicle, assuming you were honest about it condition. It’s the way I bought my last car and I was pleased as punch. I got online at Auto Circle, chose the car I wanted, got to look at area dealers and the discounted price they had negotiated with USAA printed out my promised price.  Then I filled out the online form about the make, model, year and VIN of my truck, how much I still owed and the condition it was in. They told me what I could get for it on trade-in. With these two papers in hand I headed to Larry Miller Hyundai. Ninety minutes later I had my new car. USAA has a similar Home Circle program for home buyers too, that sets them up with a USAA-approved agent. There are other organizations who negotiate member discounts from dealers, too. I believe Costco is one of them.

If you’re a woman who doesn’t feel comfortable about car buying, look for a woman-certified dealership. These dealers have been trained to know what women want in a vehicle, the questions they might have, the information they typically need, and have been certified as being honest, reliable dealers who take care of their female customers. There are two sites that specialize in training and certifying women-friendly dealers. They are, and Head to either site if you want a female-friendly auto dealer or repair shop. recently put out a helpful announcement about how to shop smart for a car. I’ve posted it in its entirety below. Shows Shoppers How to Buy a New Car in Less Than a Day

SANTA MONICA, Calif.–(BUSINESS WIRE)–Shoppers who know the right path to car buying can seal a deal faster than they ever imagined, even in as little as a few hours, says, the premier resource for automotive information. And while highly recommends that shoppers take as much time as they need to make such a big purchase, Senior Consumer Advice Editor Philip Reed shows how buyers in a pinch can easily start and complete the process in less than a day.

“Break the task into the steps listed here and you’ll save time and money and still get the best car for you.”

“Even though a car is a big-ticket purchase, you can do it quickly and with little stress,” says Reed. “Break the task into the steps listed here and you’ll save time and money and still get the best car for you.”

Assuming you already know which model you want, lays out the following three steps to expedite the buying process and still get a good deal on a new car:

Step 1: Locate Your Car

Use’s New Car Inventory page or a local dealership’s own inventory tool on its Web site to find the color, trim level and options you want. Call the dealership and ask to speak with the Internet manager to make sure the car is still on the lot.

Step 2: Make a Deal

Ask the Internet manager for the dealership’s best price and see if any incentives or rebates are available. Hang up the phone and compare these figures to the True Market Value (TMV®) price of the car. If the price quote you get is at TMV or below, you’re in good shape; if it’s higher, call back to negotiate a figure that meets the TMV® price. If the Internet manager won’t budge, contact other dealerships in your area or a neighboring city. And before you agree to any salesperson’s offer ask for an “out-the-door” price that includes all taxes and fees. Make sure the fees are legitimate using’s guide at

Step 3: Arrange Delivery

Before you say yes to the deal, say that there’s one condition: The dealership has to deliver the car to you. The salesperson should oblige and arrange to have the car driven to your home or office. Inspect the car to verify it is the year, make and model you want and make sure there are no dents or scratches and all the equipment that’s supposed to be there has been included. Next, review the contract. Make sure the amount matches what you were given as an “out-the-door” price and that the down payment and monthly payment is exactly what you expected. Assuming all is correct, you will give the Internet manager your payment and he will give you the keys to your new car.

More details and additional tips on how to pull off a new car purchase in just one day can be found at

About, Inc.

At, we’re committed to helping people find the car that meets their every need. Almost 18 million visitors use our research, shopping and buying tools every month to make an easy and informed decision on their next new or used car. Whether you’re at the dealership or on the go, we’re always by your side with our five-star iPhone and iPad apps and our Android App. Our comprehensive car reviews, shopping tips, photos, videos and feature stories offer a friendly and authentic approach to the automotive world. We’re based in Santa Monica, Calif., but you can connect with us from anywhere by following @Edmunds on Twitter or by becoming a fan of on Facebook.

Update – Mark Mitsubishi not making good on problem sale, friend says

I just got a call from my friend – the one whose 80 year old mother replaced her car because of a safety recall that never was. Well, turns out GM Dylan has told me to “Watch out. My attorneys are watching you.” Seems I wasn’t to have used the word scam in my blog post. Actually I called it “alleged scam.” Glad to know I’m rattling cages, though.

First, bring it on. My friend needs all the publicity about this horrible situation as she can get. One correction, however – which I’ve already posted in the auto dealer DealerElite discussion forum. I had it wrong – her mom didn’t go alone, she went with her granddaughter who had never bought a car before. So, at least there was a witness. Glad of that.

Oh, and my friend just told me that GM Dylan told her they would not be offering any compensation, return of money, or change in sale or contract whatsoever. It seems, that bogus recall or not, she signed the contract so oh well.

Even the other auto dealers on DealerElite are astounded by what one of them called “outrageous” behavior. And no, it isn’t just competitors taking advantage. I didn’t name the dealership, and they’re not just local.  And, attorney, I’ll tell you what my attorney can also tell you later. I am a journalist and I know the law. I said “alleged scam.” If my readers want to decide that the fact that both a Google search and Mitsubishi corporate verify no recall of the braking system, and yet your sales rep said she couldn’t keep the car because the recalled braking system couldn’t be fixed, (it couldn’t, right? You never tried to sell it later,. right?) and sold her a new more costly one, is a scam  – well, I didn’t tell them that. Your behavior did.

Oh, and you want to know what other dealers had to say? Take a gander on DealerElite. net.

From now on I’ll let my friend, her mother, their attorney, and all their social network friends and followers deal with this. But the next time I buy a car, guess where I am NOT heading? In fact, I should give my favorite, honest, reputable, reliable local dealer and service firm /body shop a plus. Larry Miller – You have done right by me time and time again. Were that they were all like you.

Glendale auto dealer allegedly scams 80 year old woman via bogus safety recall

A friend’s 80 year old mother recently bought a car from Mark Mitsubishi of Glendale, AZ.  When she returned to the dealership for an oil change, according to her daughter, she was told by a sales rep that there was a braking-system safety recall for the vehicle but no worries, he could put her in a new Mitsubishi for the same price. The octogenarian agreed, and signed the contract. It wasn’t until later she discovered two things:

  • She had committed herself to an additional $4000 in auto payments
  • There had never really been any recall

She and my friend returned to the dealership and talked to the sales manager, who told them they were out of luck, as she had signed the contract.

I have to stress that I wasn’t there, and that the information comes from an 80 year old who might not have gotten all the facts right, heard correctly, or been duly careful about understanding what she was signing. Nevertheless, it certainly seems as though fraud might have been perpetrated here, not to mention that salespeople need to be cautious and very very clear with an 80-year-old attempting to transact business on her own. The best thing might well be to ask that senior to return with a younger family member or trusted advisor. UPDATE  – she was not alone. Attended with her granddaughter, who had never bought a car before.

My friend and her mother have solicited the help of one of the local television stations, and I encouraged them to review the dealership on every auto review site they can find – especially DealerRater. Additionally, they’ll be rating it on Yelp and discussing the issue on theirs as well as the dealership’s Facebook page, and Google+ and other presences including Twitter.

While I want to stress that I was not a fly on the wall when any of this happened, I would caution any vehicle shopper to ask questions, take names, document, and perhaps even record every conversation and transaction between you and this or any other dealership. Most are reputable – this one might not be.

Lost Money ? You CAN Get it Back

So much is discussed online and elsewhere about scams, especially scams on seniors. There are safeguards and non-profit and governmental organizations that warn folks about the latest scams, and how to avoid them. What no one talks about however, is how to retrieve or save your dollars when you inadvertently make a mistake that costs you money, or when a legitimate or not-so-legitimate firm simply takes advantage of the fact that you missed the fine print. Or when the company is legitimate but the person representing the firm is not.

There are a few key points to remember:

  • The squeaky wheel does, indeed, get the oil
  • Social media is a powerful must-have tool for resolving complaints and getting refunds
  • When they say they can’t , they really can
  • There is NO such thing as a no-refund or no-return policy
  • NEVER accept the negative response of the first person who answers the phone. If you don’t like what you’re hearing ask for the supervisor, and the supervisor’s supervisor. Find key executives on LinkedIn or the company’s website, or by Googling, and reach out to them. “We don’t, we can’t, we won’t, or it’s not our policy to” really mean, “I don’t have the authority and I can’t be bothered getting you to someone who does.” DON’T accept that. You don’t have to.
  • Record (when legally allowed) all business calls. With regard to the legality of recording there are two kinds of U.S. states – one-party and two-party. In a one-party state only one of the people taking part on the call has to know it’s being recorded. In other words, you can record without telling them you are doing so. In a two-party state you cannot. The state we’re talking about is the state in which THEY reside, not you. So you have to first determine that.  That’s easy – simply ask them at the beginning of the call. Don’t assume because the company is in Iowa, the person you’re speaking with is.   As of right now, what I am finding is that there are only 12 two-party states: CA, CT, FL, IL, MD, MA, MI, MO, NV, NH, PA, and WA. This means that in most states you can record any conversation without telling the other party that you are doing so. Here’s my approach: “I’m sorry but I have a mild cognitive disorder and I like to record my business calls. It helps remind me, and if I’m later confused my son can listen and help me as well. You don’t mind, right?” If that person minds and it’s a solicitation, end the call. If you are trying to resolve an issue and he or she declines your recording, you cannot record but you certainly are letting that person and firm know that you are serious about following through on your complaint. Keep talking, or ask for a supervisor and then ask the supervisor if you can record, but before you ask that ask the supervisor where she or he is. Many virtual companies or multi-location firms will have supervisors who reside in states other than those of the rep who originally answered the phone. You may start talking to a rep in a two-party state and end up talking to a supervisor in a one-party state. Then you won’t have to ask permission.

In the last several years there have been numerous times when I was overcharged, signed up for something because I forgot to cancel before the end of the free trial, purchased something I regretted buying, or paid money for something that turned out to be unacceptable. In EVERY SINGLE CASE I got my money back, and in a timely manner. In some of these cases, they had a no-refund policy, or told me the error was mine. In most of the latter cases they were correct. But in every case I got my refund. I never took advantage of a company – never asked for money back on a good product that was used by me and found useful. Nor do I suggest that you do so. But when I wasn’t getting my money’s worth I complained, and got my money back.

You can too. I’m about to tell you how, but let me first give you a few examples.

The first example really was a scam, or rather a scammer. The product was solid, but the seller was dishonest. It was embarrassing because I’m a licensed life and health insurance agent and I got taken by a health insurance agent. But I don’t focus on individual medical policies, and had to turn to someone else who did. Self-employed, I recently left a part-time employer that was providing benefits. So I either was going to have to pay for COBRA or find adequate individual coverage. I was looking for something under $400 a month that would accept one pre-existing condition. No easy task.

I looked online, which prompted a number of unsolicited calls and emails from insurance brokers. I answered few of these. One, however, left a message that seemed legit. He was good, I have to give him that. I told him flat out I was NOT interested in an indemnity plan, but rather needed major medical coverage and, if possible, pharmacy, and if possible a few doctor visit copays. He told me he had a PPO that was going to be about $100 a month less than my COBRA. After getting his assurance and an email that confirmed it was a PPO and not an indemnity plan I gave him $399 by credit card over the phone. Then my INDEMNITY plan arrived in the mail. Over the course of many phone calls and conversations in which he insisted that he had explained what it was, and finally suggesting that I write a request for a 30-day cancellation (in other words, I wouldn’t get my original money back) I advised him that I would be going to the insurance carrier and the state department of insurance and he should be concerned about his license and his livelihood. Then he stopped taking my calls.

I got online. I discovered that his firm’s parent company was owned by his father, and it was local to me, here in Phoenix. And, he had a LinkedIn profile. I left the father a LinkedIn message, and called his office. I explained that while I really didn’t want to take the time to go down to his office in person and very loudly in his waiting room ask for the money back that was SCAMMED from me, I would do so if I didn’t get my money back in full within 72 hours. I then called the carrier, who confirmed that they only sold indemnity plans. I told the rep that I needed my money back within 72 hours because I had to pay for my COBRA before expiration, had to pay my mortgage and car payment and could not do all this with another $399 having been spent, and she said we can get you a refund but it will take up to 10 days. I said that is not acceptable and asked for a manager. I told her that I was reluctant to go to the state insurance department but my money was scammed from me and I had to have it back in 72  hours. In the meantime the broker, having heard from both the carrier and his father, was calling me several times a day, leaving messages about how he was sorry for the “misunderstanding..” I did not take his calls. The carrier’s manager called me back to tell me the money would be deposited back to my credit card account within 48 hours. It was.

In another situation I signed up for an online training class, for $239. The website posted a NO REFUND notice in at least a couple of places on the site. The class turned out to not be as advertised. I complained and was reminded of the No Refund policy. I found the CEO of the firm on LinkedIn, sent him a message, explaining that I hated to involve the many thousands of my LinkedIn, Facebook, Twitter, Foursquare, Pinterest and Google+ friends and followers, but I felt an obligation to let them all know that all was not as advertised at this firm. He called me that very day. I got my money back that week.

On three separate occasions this year I have had problems with various companies because I signed up for a free trial and failed to cancel prior to the first fee being charged to my credit card, or I had an ongoing paid account which I had not been using for awhile, meant to cancel before the next billing and missed the deadline. In every case my money was refunded when, after they denied the refund on the phone I found the company’s Facebook page, Liked them, and posted the issue to their Facebook page. In each case, they replied on their Facebook page that they were sorry that happened and “here’s how to go about getting your refund.”

In one very difficult case I had to get multiple executives involved before I got my money back – and I did so. I joined the company’s LinkedIn group, messaged several key executives on LinkedIn, and sent an email to them all. I made sure to include their media relations director and their marketing director. The issue was resolved in my favor.

So, here are the steps you can take if you’ve been financially wronged:

  • Join Facebook and build a following of at least a couple of hundred people. This is a nice thing to have anyway.
  • Join LinkedIn, even if you’re retired or just job-hunting. There are many reasons for being a LinkedIn member beyond refunds, like career moves, job search, finding new clients and so forth. Build up your network to 500+
  • Set up a Twitter profile, and start following folks, who will follow you back. You need at least a couple of hundred people here at least.
  • Buy an inexpensive recording device for your phone – one that can be turned on or off at will. It can be digital or the old-fashioned tape variety. It doesn’t matter. You just want an affordable device that doesn’t take up a lot of space and is easy for you to use.
  • Start with a call or email or live chat with a first-line customer service rep. That might be all it takes. If that doesn’t work, ask for the supervisor. If that doesn’t work, ask for the person who supervises that supervisor.
  • If you still get no satisfaction, complain on yours and the company’s Facebook page, and go to LinkedIn and find key executives and message them there.
  • Go to the company’s website and find key executives, including marketing and public relations. Don’t choose one, message them all, or call them all. Be a thorn in their side. Do it once a day until someone responds positively. Your response whether by phone or email is “Here’s my complaint. Here is how I tried to resolve it before contacting you. If you don’t resolve it I hate to take this to my thousands of social followers as well as yours, as well as your clients, but I will. I am determined to get this resolved in my favor in the next 72 hours. “
  • Find out if the industry has a regulatory agency or requires its sales people to be licensed. If so, threaten to go to the regulatory agency, or, if needed, do so.  Insurance and real estate practitioners must be licensed, for example.
  • On the company’s website you’ll probably find a client list, testimonials or case studies. If you must – only as a last resort – start contacting these folks. “Hi, I see you’re a client of X company, who wronged me. I was wondering if you’ve had the same sort of difficulties with them?” That client is sure to let the company know that you sought them out.
  • Do NOT give up. When the company realizes that you will not, you’re going to get your refund.

So, how do you find out who the key executives are? And how to reach them?

It’s very difficult to find a direct phone number, but it’s often easy to find an email. First, head to the company’s website and its about us page. If nothing else, you’ll probably find the names.  You might find the emails, or a feedback form to use.  You might also just Google. In the search field simply type “marketing director X company” and see what turns up. You can also email sales@ or media@ or press@ or info@ or pr@. Those usually work.

If you do not find the email address but find the name, you have about a 75 percent chance of reaching that person by email. First find the company email format. if you can’t find an info@ or advertising@ or customerservice@ or some address that tells you that the company email ends in, for example, assume that it ends in the URL. If the company is, chances are the email is Now, let’s say you want to talk to Joe Smith at Smith Appliances, but you can find no email for him. Send the email to,,,,, and  Then watch for the mailer daemon that says “email delivery failed” or some such. It will tell you which did not go through. That will tell you which did. You now have that person’s email address.

Another important point is that you give them a deadline. Tell them, “I need my money desperately for x reason. You must send it back to me within 72 hours.” DON’T let them tell you it takes 30 days, or you have to mail something.  Tell them to decide today and overnight it if they must. In the case of the insurance firm that didn’t want to pay me I told the supervisor to take out her own credit card and credit me back and then wait for the company to pay her back. I didn’t expect her to, but she did get the message I was NOT going to wait.

Another slight segue – if you are trying to cancel service, do it by email. Don’t call. Email provides written backup, and it’s faster and it  allows you to avoid the “I can offer you such and such instead, or I would like to know why you’re cancelling”  annoying time-suck phone conversation. Email them that you want to cancel,  and require email confirmation that it has been done. When they tell you that you must call to do so, reply, “I don’t accept that. I know you can do this. I am not going to get on the phone with a person whose job it is to talk me out of cancelling. I want this cancelled NOW and I won’t be calling you. What I WILL be doing is advising my bank that if you take any more money from my account to keep this active it is in violation of my written orders to you.” They’ll cancel it.

Again, keep in mind that the squeaky and social-media-focused wheel gets the oil. If they say they can’t refund your money, do NOT believe it. They can. And they will, if you’re persistent.

The Best Fitness Center for your 50+ Body

For someone 50+ a fitness center has to be more than a room or rooms full of machines and weights. It needs to have professionally-trained staff that can start and periodically check your workout, to make sure that you’re not damaging those arthritic knees or exacerbating the problem in your back or neck, and so forth. You need guidance on how to regulate your heart rate so you don’t overdo. While you don’t have to pay a fortune to get this kind of service, you probably won’t find it at the cheapest place in town either. Of course, what you could do is start your workout – say the first six months – at a place that offers personal training, and then move over to the no-frills low-priced gym when you know what you’re doing and no longer need that guidance. If you are seriously overweight, however, keep in mind that somewhere along the way, you’re going to plateau. I found that after a year of working out I had to leave behind the machines and get serious with free weights or I wasn’t going to take off that last 20 pounds. For that I needed a trainer once again.

In Phoenix, there are many many fitness center choices. Smaller towns will have fewer. In some towns, about the only option other than higher-priced small boutique centers,  will be the YMCA.

If you are just starting a workout regimen, or haven’t worked out in a long time, check out Daily Deals sites. (see my former post on Daily Deals sites if you’re not familiar.) Many of the smaller, higher-end personal-training centers offer great deals. I signed up for one that cost me less than $50 for eight half hour lessons whose value was over $300. That trainer taught me some new tricks, and then I moved on to a larger lower-priced center.

Here is what you need to think about:

  • How far is it from my home? Gas is costly, and if you’re still working, time spent traveling can be an issue as well. If a center is $20 a month less than another, but is 10 miles farther from home, it’s not a good deal.
  • What hours is it open? Maybe you don’t care that it’s open 24 hours because you don’t plan on working out at midnight, but the problem I’ve always had with the YMCA is its hours are way too short. Many of the local Y’s are closed on Sundays, or open 1-5pm or some such. That’s ridiculous for folks who are busy during the week.
  • How much does it cost, and what does that provide? While cost is a concern, if one center is $10 more but you can take the Zumba class at no additional charge, while the cheaper one charges you for classes, do you care about taking those classes?
  • How available is the staff if you need help? This isn’t just about personal training. What if you want to try a new machine and you can’t find it, or or you don’t really understand how to use it. Is there someone there who will say, “Sure, let me show you how that works.”
  • Who is the clientele? Some fitness centers are full of 20 somethings who dress in the latest high-end spandex wardrobe, and the atmosphere seems more of a meat rack than a place to get in shape. Perhaps you don’t care, but perhaps you’ll feel out of place when you show up all fat-bodied in your old sweats.
  • Are there enough machines for the number of people who want to use them? Or do you have to wait your turn? You may think you don’t care because after all you’re retired and you have free time, but waiting for a machine changes your heart rate, lowers your metabolism and makes it harder to burn calories in the same amount of time. You get a far better workout if you keep at it, especially when you’re trying to cross train.
  • Are the machines well-maintained? Or do you see several “This machine is out of order” signs. This isn’t just annoying, it can be dangerous as well.
  • Must you sign a contract to use the center? Fewer and fewer fitness centers are requiring a contract, and you shouldn’t have to sign one. Look for a place that lets you cancel with a 30 or 60 day notice.
  • Does membership allow you to work out at any of its locations? And what other locations are there? Perhaps this doesn’t matter to you but if you’re a snowbird who spends winters in Phoenix and summers in Denver,  or if there are days you’d like to head to the gym near the office and other days when you’d like to exercise at the location near your home, it would be nice to join a fitness center that had a facility in both areas. That is one key advantage to the YMCA. Its membership is national, and it is just about everywhere.
  • How much parking is available, and what is the security and lighting like? is there plenty of lighting in the parking lot, and if it’s 24 hours is the place locked up at night, with the only access by way of member keys or key fobs? If not, it’s unsafe. Look elsewhere.
  • What do you have to pay to get personal attention, or is there personal attention? Some places let you schedule an hour here and there with a personal trainer, while others offer an hour with your personal trainer once a month. Some will give you a personal trainer at sign-up, after which you’re on your own. Ask about this. As I mentioned before, when you’re just starting out you need some one-on-one so you don’t get hurt and you get on the most efficient path to good health.
  • Is there a pool? Pools aren’t all that common, but it might be important to you.
  • What is available in the locker room? Must you bring your own lock? Are there hair dryers, clean showers? Are towels provided? I don’t particularly care either way – I typically go to the gym in my workout clothes and drive home in them. But perhaps you want to come after work and change there. If these things are important to you be sure and ask.
  • Is child care available? While most of us in this age bracket don’t have this worry, the presence of child care means the presence of children. And if the center is not vigilant – and you’d be surprised how few are –  inevitably some of the members are going to let their pre-teens and young teens wander out onto the gym floor to play on the machines. It’s scary for the kids, and it’s annoying as you wait for access to the machines. Nor do you need to be dodging a running youngster as you’re puffing your way around the track.
  • Is there an indoor track? This is fairly uncommon, but in places such as Phoenix where it’s just too hot in the summer to use an outdoor track, this could be a nice perk for runners, joggers and power walkers who want to keep in shape.
  • Is there a fitness bar, or some other place to get a snack or smoothie if you feel your blood sugar getting low?
  • How prevalent are the water fountains? And do they offer a way of easily filling up your own water bottle, and is the water cold and tasty? Water is crucial! If you have to walk a few hundred feet to refill your water bottle with flat, tepid water, you might want to consider another center.
  • Are there TVs on the machines or on the walls? Are the TV channels close captioned so that if you don’t want to bring your headphones you can still watch the show?
  • What music is being played, and how loud is it? I love loud rock music when I’m working out but maybe you can’t stand it. If you don’t like what you hear ask, “Who decides about the music? Does the majority rule or does the staff turn it on and it just stays there no matter who complains?” Of course, you can bring your own iPod or similar device too. This doesn’t have to be a deal breaker.
  • What is the temperature in the gym? I workout very hard and sweat profusely. I believe that if you’re not breathing like a steam engine and sweating like a pig, you’re not working out hard enough. And because of that I want to walk into a gym that makes me shiver when I first enter. 15 minutes later I’m sweaty. I simply will not tolerate a gym that is not cold. It elevates my blood pressure and I end up with a hideous headache.
  • What do others say about it? If you can’t strike up a conversation with a couple current members, and even if you can, check out the center on a review site such as Yelp. Just do a keyword search of “fitness center” in your zip code.

Before you choose your fitness center, visit it at various times of day, and on various days of the week. Make sure you are there on a weekday morning, right after 5pm on a weekday, and on both Saturday and Sunday. See if it is crowded on the days and times you’d typically want to use it. The best way to do that is with a free trial. With the competition in this economy virtually every fitness center will offer a free trial of at least 3 days, and most are 7 days or more. Take full advantage of them, and don’t let anyone pressure you into signing on the dotted line until the free trial is over. Try one gym and then move on to the free trail at the next one. THEN decide on your best choice. Each time you go, attend at different days and times. One time use the machines, another time take a group class. If there is a pool, give that a try at least once.

I’m in the midst of free trials right now. I was at Pure Fitness for 18 months until it was sold. Then I got working too many hours and stopped working out. I’m now starting out again after an absence of 18 months. I made a list of all the gyms within a reasonable distance from my home – there were 6. With all the free trials offered – from 3 to 21 days, I’ll be working out for nearly two months at no charge. THEN I will decide which is my best choice.

Here is what I’ve discovered so far:

  • I signed up for a free 7-day trial at Lifetime Fitness in Glendale. The place is huge, and gorgeous. There is everything you could want and more – not only a huge fitness center with dozens of machines and no waiting, but a cafe with free wifi, masseuses on staff, a hair salon, two outdoor and two indoor pools, and indoor and outdoor jacuzzis, a steam room, gym and racquet ball courts. It’s $52 a month, but certainly worth every penny. Of course, the salon and massage services are additional. The problem? On the fourth day of my visit I was pulled aside by the person at the desk who wanted me to fill out the same information sheet I had filled out on the first day, and again meet with the sales rep. She said I’d have to do it every time I visited during my free trial. I said “No thanks,” and walked out, never to return. A free trial with that kind of pressure and waste of my time was NO free trial.
  • Now I’m on a 14- day free trial with Anytime Fitness in Goodyear. There are folks on Yelp that rave about this place because it’s small and the staff knows them by name. Well, it’s so small that it has few machines, and it’s hot in there. I climbed on the treadmill already feeling warm. The treadmills are placed in the only part of the room where there is no ceiling fan overhead. And then one staff member was running the vacuum while I was working out and ended up getting the cord under my feet.  And there’s one water fountain, in the back near the bathrooms. One of those spray to the side types which are hard to use to fill water bottles. Perhaps it was just a bad day for them and I’ll continue my trial, but these are concerns. The good thing about this 24-hour center is they took my picture and gave me a key fob to get in after hours. It unlocks the door, which stays locked after hours except for members. I don’t know what the night lighting is like – going to check that out this weekend.

In summary…

  1. Start your search for a fitness center (after you get your doctor’s okay) by looking for a Daily Deal discount for a few sessions with a personal trainer.
  2. Sign up for as many free trials at as many fitness centers as are reasonable choices for you, and then visit at various days and times, and using various services.
  3. Don’t sign any contract
  4. Don’t commit to any center until the free trials are over
  5. You’ll need sweat-resistant clothes, good shoes with plenty of traction and support, a sweat band, a towel, and a water bottle. You might want an iPod too. I also take a protein drink that I drink in my car immediately after my workout.

Twitter for the 50+ Job Hunt

As I mentioned in my post about LinkedIn for the boomer or senior job hunt, showing that you are tech savvy and know your way around social media can counter a hiring manager’s concern that you can’t learn, can’t keep up and don’t know what’s going on in the modern world. As I often point out to prospective employers or clients, what could be better than the work ethics of a 50+ candidate, combined with the tech know-how the job requires and the social savvy to virally market the company’s brand and its job openings? Learn your way around social media and you will be able to say the same thing.

Twitter is important for several reasons – first, because it’s a very easy way to search for those who are leaders in the industry in which you want to work, a super-easy way for you to get a conversation started, a venue for you to showcase your own expertise or at least interest, and a way to show that you are self-directed (For, no one is paying you or ordering you to tweet about the business, you just are.) Twitter is also a dynamite source of information you might not find anywhere else. There have been numerous times that I’ve heard about companies that I never knew existed and wanted to write about, and initiated conversations that led to interviews for articles.

If you’re not familiar with exactly how Twitter works, there are others who have done a great job of explaining that, along with some tips for its general use. Watch this YouTube video by HowCast that walks you through the basics. It’s a little old, and leaves out some new Twitter features – the Connect link, for example, where you can see Interactions and Mentions. Click on your Twitter profile and then Interactions and you’ll see who has followed you. Click on Mentions and you’ll see who has talked about you. Mentions are really important -they can be a real clue to which of the things you’re talking about on Twitter are getting attention, and from whom.

The important basics for Twitter, and your job hunt:

  • Create a profile that explains what you’re all about, keeping in mind that you want to emphasize your job hunt. You might be an avid swimmer, but unless you’re looking for a job as a lifeguard or pool attendant, or perhaps manager of the local YMCA, FinFan might not be the right Twitter profile. If you’re looking for an accounting job, you’d be better off calling yourself CalcYOULater or BudgetBalanceBob or some such. Get the idea? And the Twitter profile will provide you quite a bit of space to put a bio, and a hyperlink. (which, if you don’t yet have a blog or your own website, can be your LinkedIN profile URL. You DID create your LinkedIn profile after your read my LinkedIn for your job hunt post, right?) You may end up with more than one Twitter profile, each devoted to a specific interest or purpose. I have four. I am @TeleworkGuru, because I wrote a book about telework and am writing another one now. I am @ClassifiedTiger and @MediaTiger because I write about the world of classified advertising and other media products and ideas for media consultancy AIM Group. I am @SeniorWellth where I talk about the topics I discuss here.

The graphic below is a look at my TeleworkGuru profile page on Twitter. Generally you’ll have your photo here, but instead I put a screenshot of the book that Bill Fenson and I wrote. See how much I’ve put in my short bio, and how many people I am following and are following me. If you open up the links in the left sidebar, Following will show you all the people you are following. Followers will show you the profiles of those who are following you. Click on the graphic to go to my Twitter page, where you can wander around and see for yourself how it works.

  • Add your twitter profile to your LinkedIn profile. That’s easy – just go to your LinkedIn profile, click on edit and add the URL where you see the line that asks for it. Generally, your Twitter profile is going to be Mine, for example, is But when you create the profile Twitter will tell you the URL. Up until recently you could set up your tweets (that is what the things you post in Twitter are called – tweets) to automatically appear on your LinkedIn profile page. LinkedIn just stopped that last week. While it’s not saying so, the fact is that Twitter is getting more traffic than LinkedIn and so LinkedIn simply doesn’t want people going from its pages to Twitter pages by way of links on LinkedIn profiles. But you can still do it . What you do is post your tweets as your LinkedIn update. You can even post it to your LinkedIn groups too. Once you have a blog, you can set up a Twitter widget that will automatically bring in your tweets too. Look at the left sidebar of this page and you’ll see my @SeniorWellth Twitter widget. 
  • Start following important people in the industry in which you want to work – better yet, follow those who work at the company or companies at which you want to work. Most people – especially business people  – very closely watch who follows them. That means they’re sure to go to your profile to see what you’re all about. At least eight times out of ten they will follow you back. That is very good, because then they keep seeing the very astute things you are saying about the industry, your knowledge of the industry and your interest in being in the industry. What could be better than reminding someone day after day that you’re smart, knowledgeable about their field and their firm, and perhaps available for hire? So, make sure you tweet at least one thing EVERY SINGLE DAY. 
  • Retweet what your followers are tweeting, when appropriate. Business people tweet to get noticed. They tweet to market themselves and their firm. If you retweet them you are marketing them while you are marketing yourself. Retweeting just means that you saw their tweet and you sent it to your followers. You’ re not stealing or plagiarising. It still is very clear that it came from them.  Retweeting is very simple. Just click retweet under their tweet and away it goes – to all your followers. Those you retweet will see that you did that , so they take notice of you yet again, and they’ll be grateful to you for the additional marketing as well. Do it sparingly and wisely, however. If you want a job with ABC accounting firm, no need to retweet when ABC’s marketing manager tweets about his golf game being a little off today. But if he discusses the great  new product X that his firm just launched, make sure you retweet that. Better yet, find out something about the product – perhaps there’s an online demo somewhere – and if you can legitimately see its value retweet something like, “ABC’s Product X looks to save time and money for local CFOs. Impressive! Here’s a video about it: . 
  • Use #. This hashmark is a sort and search method common to Twitter. It organizes topics, so that those who want to follow specific topics, and see what numerous folks are tweeting about it can collect them all in a running stream. For instance, if you, the accountant, heard about ABC Accounting’s annual Balance Bazaar conference going on now, you could see what everyone was saying about it on Twitter by searching by the hashtag the conference folks had assigned. It might be #BalanceBaz, for example. Or if you just want to search what everyone is saying about the firm you might try searching #ABCAccounting and see what turns up. This is also a great way to find out who is talking about accounting, to determine who is a big player in the industry, and a potential employer, or source of hiring info, training tips, ways to get in front of the right people, what jobs pay and so forth. Just try #accounting or #accountant and see what you find. 
  • Follow the followers of those you are following, and the followers of your followers. These might well be people with common interests as you, and further resources to virally market your interests and your credentials. 
  • Keep an eye on your messages. People can send a message to you by posting to everyone but putting @your profile name in the post. If someone said to me, “@TeleworkGuru, when is your next book coming out ?” everyone would see the message but would know it is for me. I could then post where everyone could see, “My New book, “Take this Job and Move it – Home” is due out by Nov.1, 2012.”  If, however, someone wanted to send you a Twitter message that only you could see she would have to be following you and you following her, or it wouldn’t work. She would click on Message and send a message which only you could see. It’s easy to miss private messages, and in fact, a lot of them are spam. Unless you have no other way to reach someone, don’t rely on a private message, commonly referred to as DM (direct message) to reach that person. He or she might not ever see it. 
  • Register at This is the best-known job search listing platform for Twitter, though it’s not the only one.  Though primarily focused on the use of your smartphone to deliver job alerts, you can search and set up alerts and apply from  the website via your laptop, tablet or PC too. Keep in mind, however, that if  you give Twitter and TweetMyJobs access to your smartphone, you MUST have an account with your mobile carrier that gives you unlimited texting and emails. Neither of these firms are responsible for your overages, and neither will keep an eye on them for you. I’ve used TweetMyJobs to job hunt and have gotten dozens of job postings every 30 minutes. At that rate, if you had limited texting on your account you could end up with an enormous mobile carrier bill at the end of the month.  It is soo handy, though. You go to the site, set up an alert for Accountant, Orlando for example, and then wait for the 140 character job announcements to arrive. You follow the link to the site where you view the details and perhaps even apply. (Not all smartphones have the capability of retaining your resume, however, but more and more companies are enabling a link to your LinkedIn profile in a job application. That’s all the more reason why your LinkedIn profile should include a complete job picture (or as complete as you want your prospective employer to see), recommendations, and even clips of your work if that’s applicable. More on that in another post. 
  • Set up a professional-sounding Gmail account for your job-hunt email. Gmail is a great tool because of its affiliation with Google. Not only is it free but it can tie into an online Google Calendar, Google Docs, Insightly contact management, and a Google Reader. 
  • Set up the Google Reader for your gmail account. Reader is an RSS system (Really Simple Syndication) which is a way that enewsletters and other online publishers deliver their enewsletters to you. If, for instance, you like the New York Times, and it’s your best source for the daily national news, you could go to Google Reader, and subscribe to The New York Times daily news enewsletter. You could even organize your reader. One category might be daily news, while another could be accounting, a third could be tax law, and the fourth financial fraud or some such. Each could have its own set of subscriptions. To set up a subscription, go to your Reader and click on Subscribe at the top of the left sidebar. Fill in the field with the keyword or phrase – in this case, New York Times. What you’ll see then are several hyperlinks. The graphic below shows some of  what popped up when I did that: 


You might want to subscribe to the first choice – Breaking News, though perhaps the one that is titled “Today’s Paper” would be your choice – or both.  In this screenshot you’ll also get a glimpse of the organization. You’ll see that the first category I’ve created for my Google Reader is automotive (left sidebar.)

The Reader is important for Twitter because you have to have something to tweet about, don’t you? Going through your Reader each day will give you plenty to talk about, if you choose your subscriptions wisely. For that accounting job you might know of publications right off the top of your head, but if not, just do some keyword searching – CPA, accounting, cost accounting, bookkeeping, etc. You get the idea.

Three other great sources for tweet ideas, that are also useful for a blog once you create one, are Trove, BusinessWire and PRNewswire. Trove is a terrific service of  the Washington Post Company. It lets you search for news, but it’s best service is the ability to set up your own Channels. You tell Trove the topics you want to hear news stories about and it delivers them by email daily – sorted by Channel. I use it religiously and I find blog posts, website pages and news articles I didn’t find by any other means. BusinessWire and PRNewswire deliver press releases. You can go to their sites and keyword search headlines or entire announcements for press releases on topics, sorting them by date. You can, for instance, search for every press release in the last 7 days whose headline included the words “financial fraud” ; you might instead, look for every press release for the last 30 days that had the name “Warren Buffett” anywhere in the release.

That’s about it for your job hunt start by way of Twitter. Once you have your profile name, a gmail account by the same or similar name, a Google Reader account with 10 or more subscriptions to give you something to talk about, set up your Twitter profile and start tweeting. Then start following and see who is following you. Get a conversation going, keep showing your interest and your expertise, and you’ll have a far better chance of landing that job than those competing with you who did nothing but fill out an application and hope for the best.

Once you have your first few tweets, your first few followers, and are following a few others, do NOT forget to put your Twitter profile at the top of your resume, with all your other contact information. That’s where your LinkedIn profile URL belongs as well.

Don’t get discouraged. It takes time, and effort to make this work, but it does pay off. And who knows, you might really enjoy it, and the opportunity to get to know other like-minded people. If you’re good at it, you just might find yourself in demand with firms in your chosen industry who need someone to tweet, blog and socially network fo rthem. As I said, it does work.  I’m living proof. At 63 years of age, I’m landing jobs and clients at companies that bypassed the 20 and 30 and 40 somethings to hire me. I have companies come to me with job offers and contract offers and freelance work – because they see my social profile and they reach out to me instead of the other way around. I have more work than I can possibly handle. It’s not because I’m smarter or more educated. I’m not. I’m just somebody who markets myself socially. You can be too. This works.