How to Reinvent Yourself in Retirement
Posted: November 3, 2012 at 5:45 pm
After what has hopefully been a successful career, you find yourself at the doorway to life's next chapter. Retirement offers the promise of living the life you have always wanted to. You now have the opportunity to take it easy or explore a brand new career. Or perhaps you want to travel or try your hand at some artistic pursuits that have intrigued you over the years.
With the majority of your life spent immersed in a career, it should not be surprising that your personality has been influenced by company life. Who you are has been significantly shaped by what you do. However, your successful career-driven persona is not necessarily the best vehicle to realize a fulfilling retirement. Behaviors that led to your success while employed may be out of place in a post-employment world. For example, if you think you are going to use your management skills to "improve" the way your wife runs the home you are sadly mistaken.
As you leave the working you behind it is important to discover who you want to be moving forward. When someone asks what you do, how will you describe yourself now that you are no longer working?
If you hope to realize a fulfilling retirement, it is important to separate the working you from the retired you. In your second act you have the rare opportunity to make adjustments that can improve upon who you want to be in retirement.
Don't expect to lean on your accomplishments from the job. In retirement you need to have a new story to spin. Tales of old victories won while working quickly lose their impact over time. But this challenge can be an opportunity. You no longer need to regale friends in topics that they do not understand or care about. Among retirees you now share a common thread, and you are likely to encounter similar situations and challenges. Victories realized are sweeter when those around you can appreciate them for what they are instead of struggling to understand them.
You need to reinvent who you are. It is important to accept that who you were on the job is not who you are now. Take time to reflect and better understand which on-the-job personality traits will fit in with and compliment your future, and what changes or improvements you would like to make. Now that you are no longer required to do whatever it takes to make a buck you can occupy yourself with what you enjoy.
Aim to redefine success. While working clear goals were laid before you, and you knew how success was measured. In retirement there are no such guidelines unless you make them. It could be as simple as setting a goal to get through the top three items on your to-do list. Or your success may be achieved when you can play a melody on the guitar with minimal mistakes. Having measures of success can help give you a feeling of achievement that is sometimes left behind on the work site.
Make friends beyond business acquaintances. Sometimes when you exit the working world the friends you thought you had move on with their lives. Without the shared bond of the job you may have little in common. But as life situations change so do our friends. How many people still keep in contact with best friends from high school or college? Now that you have the time, you might want to reach out to forgotten friends from days gone by or reestablish ties with family members who fell to the wayside over the years. As your activities change you will meet new people with similar interests to share your time.
Dave Bernard is the author of Are You Just Existing and Calling it a Life?, which offers guidelines to discover your personal passion and live a life of purpose. Not yet retired, Dave has begun his due diligence to plan for a fulfilling retirement. With a focus on the non-financial aspects of retiring, he shares his discoveries and insights on his blog Retirement-Only the Beginning.
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How to Reinvent Yourself in Retirement
Coping with change in all aspects of life – Professional Change Coach, Angela Smyth – Video
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Coping with change in all aspects of life - Professional Change Coach, Angela Smyth
Angela #39;s a qualified life coach and personal performance coach specialising in all aspects of change, including redundancy, retirement, bereavement, relationships and caring for ageing relatives. Skilled in training and development, she #39;s also a certified NLP practitioner. For one to one advice from Angela you can speak to her direct through Greatvine http://www.greatvine.comFrom:GreatvineTVViews:0 0ratingsTime:06:50More inEducation
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Coping with change in all aspects of life - Professional Change Coach, Angela Smyth - Video
How to cope with changes both in business and at home – Professional Change Coach, Angela Smyth – Video
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How to cope with changes both in business and at home - Professional Change Coach, Angela Smyth
Angela #39;s a qualified life coach and personal performance coach specialising in all aspects of change, including redundancy, retirement, bereavement, relationships and caring for ageing relatives. Skilled in training and development, she #39;s also a certified NLP practitioner. In this video she offers advice on managing changes in a business environment and how to communicate with staff. She also discusses the challenges we face as we grow older, coping with ageing relatives and the responsibilities and emotional issues which can arise from ageing. For one to one advice from Angela you can speak to her direct through Greatvine http://www.greatvine.comFrom:GreatvineTVViews:2 0ratingsTime:07:11More inEducation
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How to cope with changes both in business and at home - Professional Change Coach, Angela Smyth - Video
Betting on a Global Recovery with Chemicals
Posted: at 5:44 pm
By Meena Krishnamsetty - November 2, 2012 | Tickers: CE, DD, EMN, FMC, DOW | 0 Comments
Meena is a member of The Motley Fool Blog Network -- entries represent the personal opinions of our bloggers and are not formally edited.
Eastman Chemical (NYSE: EMN) was up over 12% last week as earnings beat expectations. The company posted EPS of $1.57, while consensus estimates were at $1.42 a share. The chemical industry should see positive demand in the future as global growth is expected to rise 2.6% in 2013, up from a projected growth of 2.4% in 2012.
With a beta of 2.0, the company will definitely be able to capitalize on a global economic recovery. Eastman has shown positive performance thanks to a major acquisition and low raw material costs. Management now expectsto earn $5.30-$5.40 per share for 2012, which is ahead of the consensus of $5.26 a share. Heres a look at the hedge fund industrys sentiment toward Eastman.
Eastman competes with the top two chemical companies in the U.S.Dow Chemical (NYSE: DOW) is the largest American chemical company, and E I Du Pont De Nemours (NYSE: DD) is the second largest U.S. chemicals manufacturer. Also worth noting is that both of these top chemical companies pay dividends that yield in excess of 4%.
Unlike Eastman, Dow Chemical saw lower than expected earnings estimates and lowered its full year guidance. Last quarter, the company posted EPS of $0.42, versus $0.62 in the same quarter a year ago. The company did manage to see improvements in its agricultural and performance plastics segments. Also, the company plans to undertake various cost cutting initiatives to sustain earnings, should a weak global economy continue. Among these include the recently announced closure of twenty manufacturing facilities and the cutting of 2,400 jobs.
DuPont also announced lower than expected earnings for last quarter and a reduced full year EPS outlook, which dragged the stock down 10% over the past week. The company posted EPS of $0.44, compared to $0.69 for the prior year. DuPont attributed the decline to volume decreases in performance chemicals and a slowdown in Asia, while Dow cited the slowdown in Europe as their biggest headwind.
Following the announcement, S&P lowered its recommendation on DuPont from buy to sell and placed a $41 price target on the company, below the company's current price around $45.25. The news comes even after the company's effort to boost its cash business by selling off its performance coatings segment to the Carlyle Group for $4.9 billion back in August; check out our other thoughts on whether or not DuPont is a good buy.
Celanese Corporation (NYSE: CE) is another chemical producer, though it's focused on industrials and engineered plastics. Sales are expected to fall 1% in 2012, with growth picking up in 2013, growing in the range of 5%-7%. The company's 2013 growth should be driven by improvements in domestic manufacturing and a rise in engineered plastics used in North America's auto industry. The company is also making trends in geographic expansion, but has more exposure to weakness in Europe and Asia given that over 70% of its sales come from outside the U.S.
FMC Corporation (NYSE: FMC) is a diversified producer of industrial, specialty, and agricultural chemicals. After an 8.4% rise in sales for 2011, the company is expected to grow sales another 10.5% in 2012. This chemical company is riding EPS growth that assumes the global farm economy will pick up and that Brazil will see more acreage planted as crops rise. The company has renewed its focus on the higher margin agricultural business, which should help it to see margin expansion in the future.
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Betting on a Global Recovery with Chemicals
COLLEGE NOTEBOOK: Nov. 2, 2012
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> SOUTHERN INDIANA ATHLETE OF THE WEEK
Brendan Chwalek (Northern Kentucky mens cross country, Silver Creek graduate, Sr.) top performance: 10th at the Atlantic Sun Conference Championships last Saturday in Fort Myers, Fla., 25:20, personal record; notes: Chwaleks top-10 finish earned him a spot on the all-Atlantic Sun second team. He beat his personal-record time by 38 seconds.
BORDEN
Chris Beam (IU South Bend mens basketball, Jr.) notes: eight points, team-high five assists, team-high three steals and two rebounds in the Titans 59-52 victory last Saturday at Brescia; team record: 1-0.
CHRISTIAN ACADEMY
Drew Mattingly (Huntington mens soccer, Jr.) notes: three saves in the Foresters 2-1 loss last Saturday at Indiana Wesleyan in the first round of the Crossroads League Tournament. Mattingly was named to the all-Crossroads League first team; season-ending stats: 93 saves, 22 goals against; team records: 8-9-2 overall, 3-6 Crossroads League.
CLARKSVILLE
Corey Finch (Hanover football, Fr.) notes: one carry for 7 yards in the Panthers 55-10 home win over Earlham last Saturday; team records: 6-2 overall, 6-0 Heartland Collegiate Athletic Conference.
Wes Rittman (Hanover football, Fr.) notes: Rittman saw action in Hanovers 55-10 home victory over Earlham last Saturday; team records: 6-2 overall, 6-0 HCAC.
FLOYD CENTRAL
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COLLEGE NOTEBOOK: Nov. 2, 2012
Monster and Spike TV Partner to Create Special Monster DNA™ Camouflage Headphones to Support the Network’s “Hire a Vet …
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NEW YORK--(BUSINESS WIRE)--
Monster, the world leader in high-performance personal audio, is teaming up with Spike TVs Hire A Vet pro social campaign to launch a special camouflage Monster DNA headphone on Veterans Day. Exclusively sold at Best Buy stores beginning November 12, the headphones sport the exact military digital camouflage design worn by our troops. A portion of the proceeds from all sales of the limited edition Monster DNA Camo headphones will go to three worthy institutions partnering with the Hire A Vet campaign, including The Wounded Warrior Project, IAVA, and Got Your 6. Each of these institutions supports the brave men and women defending our country.
We are thrilled to partner with Monster and Best Buy to raise money and awareness for the major problem of unemployment facing Americas heroes, said Kevin Kay, Spike TV President. We know that these men and women are some of the best trained, most dedicated leaders and teammates this nation has to offer and hiring them isn't just good for the country, it's good for business.
Head Monster Noel Lee noted: Monster is a family owned company, and giving back to the communities in which we do business has always been part of our DNA. Thats why everyone here isveryproud to show our support for Americas veteran servicemen and women with this special edition of our new Monster DNA headphones. Were especially thrilled to be able to lend our support for such a great initiative asHire A Vet. Withso many veterans returning from overseas, as well as all those who have served their country proudly here at home, Monster is honored to offer this gesture of our gratitude, and to give all music lovers an opportunity to express their own pride and gratitude while enjoying terrific sound quality and style.
In September, Viacom and Monster announced a global alliance for the launch of a new audio brand, Monster DNA. More than just a headphone, Monster DNA serves today's music listener and music artists with a focus on music sharing, music community, and social awareness reaching the music entertainment community globally through an exclusive integrated campaign across Viacom music and entertainment brands. Featuring a distinctive not-round, not-oval, but totally new, bold and striking triangular shape, Monster DNA are a bold, clear and iconic expression of the shape of things to come, providing music listeners Pure Monster Sound thats as powerful and striking as the bold design of the headphone itself.
ABOUT HIRE A VET
Hire A Vet helps veterans prepare for and find jobs. It encourages companies large and small to hire veterans and gives them access to the resources necessary to do so.
WHAT IT SUPPORTS:
Hire A Vet elevates veteran employment issues across Spike TVs multiple platforms -- showcasing veterans skills, connecting them to resources and highlighting opportunities. As a link between the military, nonprofits, companies and veterans, HAV is part of a coalition dedicated to lowering the unemployment rate of veterans of Iraq and Afghanistan.
HOW IT WORKS:
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Monster and Spike TV Partner to Create Special Monster DNA™ Camouflage Headphones to Support the Network’s “Hire a Vet ...
Boingo Adds Personal VPN to Wi-Fi App for Windows and Mac
Posted: at 5:44 pm
LOS ANGELES--(BUSINESS WIRE)--
Boingo Wireless (WIFI), the Wi-Fi industrys leading provider of software and services worldwide, announced today the availability of its latest Wi-Finder app for Macbook and Windows laptop and netbook users. The updated version of the award-winning app includes the Boingo VPN (virtual private network) to help protect users against security exploits in public Wi-Fi hotspots.
Boingos VPN previously launched on iOS apps provides an easy-to-use security solution that can help users protect themselves from common security exploits. With one click, users can encrypt their Wi-Fi connection and protect their personal data. The Boingo VPN uses nearly a dozen VPN servers worldwide to improve performance by delivering service in closest proximity to the user. The VPN uses a customers Boingo account to authenticate in one simple step, and the service is free to all Boingo Wi-Fi users who have set up an account.
Since we launched the Boingo VPN for our iOS customers this summer, weve seen nearly 20 percent of all iOS sessions protected with our simple security solution, said Dawn Callahan, vice president of consumer marketing for Boingo Wireless. Nearly a third of the devices seeking Wi-Fi in our venues are laptops, and we want to ensure that these users can also take advantage of our intuitive VPN and feel secure connecting at any Wi-Fi location.
Security threats on open, public Wi-Fi networks continue to increase, and many people report feeling unsafe when surfing unsecured online. A recent study conducted by the National Cyber Security Alliance found that 90% of Americans do not feel completely safe from hackers, viruses and malware while online, and more than a quarter of those surveyed reported that theyd been notified that their personal data had been exposed in the last year.
In addition to the Boingo VPN, the Wi-Finder app for Mac and Windows maintains the ability to connect to Boingo and partner hotspots with a single click. The apps location directory also includes more than 150,000 free, crowd-sourced hotspots that have been validated by Wi-Finder users, helping users find a reliable hotspot when they need a connection the most. The enhanced Wi-Fi location directory provides a color-coded rating system for hotspots, providing an at-a-glance assessment of a hotspots quality.
Boingos Wi-Finder app received the 2012 About.com Readers Choice Award for Best Travel app, and the company has twice received the award for Best Wi-Fi Service from Global Traveler magazine.
About Boingo Wireless
Boingo Wireless, Inc. (WIFI), the worlds leading Wi-Fi software and services provider, makes it easy, convenient and cost-effective for people to enjoy Wi-Fi access on their laptop or mobile device at more than 600,000 hotspots worldwide. With a single account, Boingo users and Boingos wholesale partners can access the mobile Internet via Boingo Network locations that include the top airports around the world, major hotel chains, cafs and coffee shops, restaurants, convention centers and metropolitan hot zones. Boingo, through its Concourse Communications Group subsidiary, operates Wi-Fi and/or Cellular DAS networks at large-scale venues worldwide such as airports, major sporting arenas, malls, and convention centers, as well as restaurants and retail establishments. The companys Cloud Nine media platform enables brand advertisers to reach a captive audience through high engagement Wi-Fi sponsorships. For more information about Boingo, please visit http://www.boingo.com and http://cloudnine.com.
Boingo, Boingo Wireless, the Boingo Wireless Logo and Dont Just Go. Boingo are registered trademarks of Boingo Wireless, Inc. All other trademarks are the properties of their respective owners.
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Boingo Adds Personal VPN to Wi-Fi App for Windows and Mac
Research and Markets: Advances in Military Textiles and Personal Equipment
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DUBLIN--(BUSINESS WIRE)--
Research and Markets (http://www.researchandmarkets.com/research/pp2bwt/advances_in) has announced the addition of Woodhead Publishing Ltd's new book "Advances in military textiles and personal equipment" to their offering.
Advances in Military Textiles and Personal Equipment summarises key research on the design, manufacture and applications of military textiles.
Part one explores anthropometric methods, psychological, colour and camouflage issues related to the successful design of military textiles. Materials and design issues in military helmets, footwear and hand wear are also reviewed. Part two goes on to consider applications of particular types of military clothing and equipment, including optimisation of body armour design, high performance ballistic protection using polymer nanocomposite technology as well as advances in materials and modelling of chemical, biological, radiological and nuclear protective clothing. Finally, Advances in military textiles and personal equipment looks specifically at designing load carriage and advanced hydration systems for military personnel.
Key Topics Covered:
Part 1 Design issues in military clothing and equipment: Key issues in body armour: Threats, materials and design
- Assessing military equipment requirements and capability: the Australian experience
- Anthropometric methods for the successful design of military clothing and equipment
- Psychological issues in military uniform design
- Colour and camouflage design issues in military clothing
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Research and Markets: Advances in Military Textiles and Personal Equipment
worldwide-marketplace – Video
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worldwide-marketplace
You can now share your ad with a single click to your Facebook, Twitter, Google+ or Linkedin profiles. Your ad will be displayed there in full scale with the image selected by you. Depending on whether your profile is public or private, you can create almost limitless interest in your product. And your business partners and friends of friends will take part and share your ad with others. You can register with us and open up your own shop under the worldwide-marketplace brand. Your shop would be displayed in the language you have chosen at no cost to you. This applies to your own homepage as well. Our market is available worldwide in 17 languages for all Windows, Mac and Linux PCs as well as on IOS smartphones, iPhones, iPads and all Android smartphone, Google Play, Samsung and the iTunes Store. Downloading the app is free and displays all ads. Our market currently gets about 30000 hits every 24 hours, with the numbers steadily increasing. It is a service offered at no charge and will remain free, so use this service to build your personal success. We wish you a lot of fun being successful on our worldwide-marketplaceFrom:petergehreinViews:0 0ratingsTime:01:11More inTravel Events
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worldwide-marketplace - Video
Michael Fertik, CEO, Reputation.com "The Commercial Value of Higher Education" – Video
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Michael Fertik, CEO, Reputation.com "The Commercial Value of Higher Education"
Michael Fertik shares his personal success story as the CEO of Reputation.com, and talks about the value of lifelong education and the key skills which students could acquire through higher education to help them succeed in high-growth startup companies.From:KaplanUniversityViews:27 1ratingsTime:03:05More inEducation
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Michael Fertik, CEO, Reputation.com "The Commercial Value of Higher Education" - Video