In 2020, Labor Day is celebrated on Monday, September 7. According to the U.S. Department of Labor, this holiday is a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of the United States. The first Labor Day holiday was celebrated in 1882 in New York City. Three years later, the holiday had spread to other industrial centers of the country and began to represent the end of summer and the start of the back-to-school season. Although Labor Day is typically celebrated in cities and towns across the nation with parades, picnics, barbecues, fireworks displays, and other public gatherings, the manner and extent of America’s annual celebration to honor the American worker will be different this year during the COVID-19 pandemic.
A three-day holiday weekend this September may not signal a time to publicly celebrate for many Americans affected by high unemployment, shifting industry hiring patterns, and fundamental changes to the way they work and play amid the COVID-19 crisis. If you are unemployed, underemployed, or just ready for a change in your work circumstances, the following tips may increase your chances of finding a job under the current challenging labor market.
Review your resume and online professional presence. If it’s been a while since you’ve applied for a job, evaluate your resume to make sure it’s error-free, fully updated, and customized for each job for which you submit an application. Post your resume on your own website if you have one, and on online job boards or sites specific to your target industry. Consider adding work samples, links to any published work, or a video introduction to your resume. Use keywords that will yield results in search engine queries conducted by prospective employers. Keep your references informed about job leads and scheduled interviews so they will be ready to respond to requests for recommendations about your job performance and history.
Look in the right places for opportunities. Current hiring trends may include positions for freelancers and remote workers for which you may be eligible. You also should be willing to consider new industries where job opportunities have been stronger, such as technology and health care. Contact people in your network who are employed in favorable hiring industries and explain your interest and availability.
As companies move to remote work to fight the coronavirus pandemic and an increasing number of workers are being laid off or furloughed, you might be wondering if you should continue to send out resumes or just assume that no one is hiring for the foreseeable future. It’s true that economists are predicting a recession, but career experts advise to keep networking and applying, provided you change your approach to acknowledge these are uncertain times.
Join professional groups on Facebook and LinkedIn that offer a wide range of options with groups for a variety of professions. Make yourself visible to online groups by introducing topics or adding to conversations that allow you to demonstrate your expertise.
Figure out your strengths. Know your skills, your worth, and your passions – these are the things that help differentiate you, and allow you to thrive in the areas in which you’re most competitive. To address remote working conditions, emphasize your comfort and expertise with technology, including remote collaboration and communication programs you’ve used and endorse. A good job search is targeted in many ways, including knowing where you’ll be appreciated and in demand. Analyze job descriptions by listing each required skill and experience. Then consider whether you have that exact skill, if you have the skill but haven’t used it in a few years, or if you’re lacking the skill entirely. Apply that information to determine what you need to improve on to make yourself a better candidate when the job market picks up again.
Refresh your skills. Look into taking free or low-cost courses online or obtain certifications in a new skill that can complement your existing job path or lead to a new career. Due to the COVID-19 pandemic, many online learning options provide free or lower-priced educational programs and courses on professional development, leadership, and communication skills that allow you to continue working in another capacity while you complete your studies.
Check out free online course including MOOCs (Massive Open Online Courses), EdX classes with courses from MIT and Harvard, and free Microsoft training and tutorials. In addition to providing job announcements and company descriptions, TheMuse.com links to online courses “that’ll boost your skills and get you ahead.” Learn to use remote communication and collaboration programs like Slack, Zoom, Skype, the G-Suite, and Dropbox that can be learned and applied quickly.
Rely on others to help in your job search. In addition to a source for new jobs, your network also can be the best place to advertise your job skills and career ambitions, seek help securing loans or financing to start a new business, assistance in applying or being admitted to a new career training or degree program, or to obtain introductions to others who might be able to help in a job search. Check out your high school or university’s alumni network to learn where your connections are working. When you reach out, ask for a short informational interview to learn more about their workplace, and during the conversation, ask whether there’s anyone else you could speak with at the company. Repeat this process until you’ve spoken to someone in the department you think is the best fit.
During an economic slowdown, it’s important to focus on what you can control—by improving your skills and reaching out to your network, you can lay the groundwork now so that when the crisis is over you have opened doors and rekindled relationships.
Project yourself on Labor Day 2021. Pending the development and implementation of a coronavirus vaccine, the COVID-19 pandemic may be over within the next year. Analyze your need to overhaul your career or to take gig jobs or other freelance work if you’ve been laid off and are facing overwhelming debt and unemployment for an unforeseeable time. If possible, don’t make dramatic job changes or career decisions that can impact you for years to come. If you can determine where you want to be when COVID-19 is over, you can successfully direct your job search. Although companies might not be hiring in 2020, they will keep you in mind if you continue to build relationships and share your ideas with them until they do start hiring.
At InsureYouKnow.org, you can store your current and previous resumes, legal and contractual agreements pertaining to your employment, and work-related health insurance policies, especially if conditions and coverages have changed due to the COVID-19 pandemic.
The word hurricane comes from the Taino Native American word, hurucane, meaning evil spirit of the wind. An Atlantic hurricane or tropical storm is a tropical cyclone that forms in the Atlantic Ocean. In the Pacific Ocean, hurricanes are generally known as typhoons and in the Indian Ocean they are called tropical cyclones.
The National Oceanic and Atmospheric Administration (NOAA) warns that as many as 25 named storms—twice the average number—will occur in 2020 to present an extremely active season that began on June 1 and ends November 30 with more frequent, longer, and stronger storms in the Northern Atlantic Ocean.
Storms get names once they have sustained wind speeds of at least 74 miles per hour. NOAA anticipates that 2020 could deliver a total of 19 to 25 named storms. That would put this year in league with 2005, which experienced more than two dozen named storms including Hurricanes Katrina and Wilma. Each year, only 21 storm names are designated because the letters Q, U, X, Y, and Z are not used. The first hurricane of the year is given a name beginning with the letter “A.” The list of names selected for 2020 storms starts with “Arthur” and ends with “Wilfred.”
If all the allotted names are used, the National Hurricane Center will use the Greek alphabet for additional names. This has only happened one time on record—in 2005 when the Atlantic Ocean experienced 28 named storms.
“We are now entering the peak months of the Atlantic hurricane season, August through October,” National Weather Service Director Louis Uccellini said in a recent news teleconference. “Given the activity we have seen so far this season, coupled with the ongoing challenges that communities face in light of COVID-19, now is the time to organize your family plan and make necessary preparations.”
FEMA’s (Federal Emergency Management Agency) Ready website provides checklists to help you put a plan together, consider specific needs in your household, download and fill out a family emergency plan, and to practice your plan with your family/household.
In planning for hurricanes and in dealing with outcomes of storm damage, you’ll also need to review your insurance coverage to make sure it matches your needs. Hurricanes provide little advance notice of their arrival, and as landfall approaches, insurance companies may temporarily suspend new coverage and coverage changes.
An insurance representative can review your policy, explain limits and deductibles, and help you identify coverage gaps. “You should ask your representative for tips on hurricane risk mitigation that may lower your insurance premiums and better protect your property,” says Tom Woods, assistant vice president of property underwriting for USAA.
Insurance Information Institute (III) website shares precautionary measures you can take to protect your home as well as your business from destructive storms. Don’t wait until a hurricane watch is issued, because it may already be too late to take certain recommended precautions, including reviewing your insurance policies.
III also offers a hurricane season insurance checklist that can help you understand your coverage and whether it’s adequate to repair or rebuild your home and to replace your belongings. Keep in mind that your homeowners insurance covers the cost of temporary repairs for hurricane damage, as well as reasonable additional living expenses over and above your normal living expenses if you have to relocate.
However, your homeowners policy doesn’t cover flood damage, so you may want to consider looking into flood insurance. If you live by the coast, you may also need a separate policy for protection against wind and wind-blown water damage. Check for wind-damage exclusions, and if wind damage isn’t covered by your standard policy, buy one from your state’s insurance program. In hurricane-prone states, for instance Louisiana, Texas, and Florida, some standard home insurance policies won’t pay for windstorm damage. So, if you want coverage, you need to buy an extra windstorm insurance policy in addition to your normal home insurance policy. In this case all wind damage would fall under this policy instead of your traditional homeowners policy.
After reviewing and revising insurance coverage with your insurance professional for your home, car, and business, store your updated insurance policies at InsureYourKnow.org where they will be readily available if a hurricane comes calling and wreaks havoc on printed versions of policies kept in your home or office.
The 2020 Census counts every person living in the United States and five U.S. territories (Puerto Rico, American Samoa, the Commonwealth of the Northern Mariana Islands, Guam, and the U.S. Virgin Islands.) The count, mandated by the U.S. Constitution in Article 1, Section 2, is conducted by the U.S. Census Bureau, a nonpartisan government agency, every 10 years. The 2020 Census will mark the 24th time that the country has counted its population since 1790.
In March 2020, each home was sent an invitation to respond to a short questionnaire online, by phone, or by mail. If you have already replied by answering the survey about yourself and everyone who was living with you on April 1, 2020, the Census Bureau is grateful. If you haven’t yet completed the questionnaire, your answers are still needed to add with information from other homes to produce statistics, which never identify your home or any person in your home.
Census invitations included an insert in 12 non-English languages, inviting people to respond online or by phone in their language. These languages, ranked by the number of limited-English-speaking households according to American Community Survey data collected from 2012 to 2016, include Spanish, Chinese, Vietnamese, Korean, Russian, Arabic, Tagalog, Polish, French, Haitian Creole, Portuguese, and Japanese. About 13 million households received invitations in both English and Spanish.
The Census Bureau also is providing video guides narrated in 59 non-English languages (including American Sign Language) to help people respond online and print guides written in the 59 non-English languages to help people complete the English paper questionnaire. Guides are also available in Braille and large print English.
You’ve Got Questions? The U.S. Census Bureau has Answers
Why is the Census Conducted?
The census provides complete, accurate, and critical data that lawmakers, business owners, teachers, and many others use to provide daily services, products, and support for you and your community. Every year, billions of dollars in federal funding go to more than 100 programs, including hospitals, fire departments, schools, roads, and other resources, such as Medicaid, Head Start, block grants for community mental health services, and the Supplemental Nutrition Assistance Program, also known as SNAP, based on census data.
The results of the census also determine the number of seats each state will have in the U.S. House of Representatives, and they are used to adjust or redraw congressional and state legislative districts, based on where populations have increased or decreased.
State legislatures or independent bipartisan commissions are responsible for redrawing congressional districts. The U.S. Census Bureau provides states with population counts for this purpose.
Over the next decade, lawmakers, business owners, and many others will use 2020 Census data to make critical decisions. The results will show where communities need new schools, new clinics, new roads, and more services for families, older adults, and children.
Is My Personal Information Kept Confidential?
Yes, the Census Bureau is bound by federal law to protect your information, and your responses are used only for statistical purposes. The Census Bureau does not disclose any personal information.
Who is Required to Respond?
Everyone living in the United States and its five territories is required by law to be counted in the 2020 Census.
What Questions are on the Census?
Go to https://2020census.gov/en/about-questions.html for the list of questions and an explanation about each question posed. Please note, there is no citizenship question on the 2020 Census.
How do I Determine Place of Residence?
You should count yourself at the place where you are living and sleeping most of the time as of April 1, 2020 (Census Day). For some, this is straightforward. But others—including college students, service members, and people in health care facilities—may have questions about where they should count themselves or how they should respond. Other circumstances can cause confusion as well, such as moving, having multiple residences, having no permanent address, living in a shelter, or living at a hotel or RV park. You can find answers to these questions at Official Residence Criteria for the 2020 Census.
Whom Should I Count as Individuals Living with Me?
If you are filling out the census for your home, you should count everyone who was living there as of April 1, 2020. This includes anyone—related or unrelated to you—who lives and sleeps at your home most of the time.
Count roommates, young children, newborns, and anyone who is renting a space in your home. If someone was staying in your home on April 1 and had no usual home elsewhere, you should count them in your response to the 2020 Census.
If someone such as a college student is just living with you temporarily due to the COVID-19 situation, they should be counted where they ordinarily would have been living on April 1, 2020.
What can Happen if I Don’t Respond to the Census?
By census law, refusal to answer all or part of the census carries a $100 fine. The penalty goes up to $500 for giving false answers. In 1976, Congress eliminated both the possibility of a 60-day prison sentence for noncompliance and a one-year prison term for false answers.
If you do not complete your form online, by phone, or by mail, the U.S. Census Bureau will follow up in person to collect your response.
Census takers started following up with nonresponding households on July 16. In subsequent weeks, the Census Bureau began opening additional census offices for enumeration activities. The majority of census offices across the country will begin follow-up work on August 11. All offices plan to conclude work by October 31.
In consideration of the COVID-19 pandemic, census takers will follow local public health guidelines when they visit households in person. They will wear face masks and will practice social distancing and other health and safety protocols when they work in neighborhoods. Learn more at Census Takers in Your Neighborhood.
Census takers are hired from your area, and their goal is to help you and everyone in your home be counted in the 2020 Census. If the census taker who visits your home does not speak your language, you may request a return visit from a census taker who does speak your language.
If you respond online or by phone today, a census taker is less likely to have to visit your home to collect your response.
Go to https://my2020census.gov to complete your questionnaire if you haven’t done so already.
Complying with the call for you to respond to the 2020 Census may prompt you to reflect on your forefathers who may have contributed to the previous 23 times the census has been conducted since 1790. Or, if you are a first generation American, you may realize the importance of being part of a remarkable project that will identify national population changes in the past 10 years. At InsureYouKnow.org, you can file copies of family records, including birth certificates, passports, drivers’ licenses, and Social Security cards, as well as historical and current records for mortgage and insurance documentation relating to your place of residence.
The checkbox on new hire paperwork about life insurance, may start to seem a little more important during the days of COVID-19. For many it was an obvious choice when the employer was giving something for “free.” Professionals have a safety net policy to help their family members for a short time. For consultants, self-employed and business owners, life insurance was a security blanket. A new stress has emerged as the media has suggested that the coronavirus cause of death would not be covered – this is not a true statement.
The most common causes of death – heart disease, cancer, and accidents, are still present and affecting all age groups. 74% of deaths in America stemmed from 10 causes, and the coronavirus may make it on the top-10 list. The CDC reports that about 647,000 Americans die from heart disease each year, while nearly 600,000 people die annually from cancer. Currently the increasing numbers of people affected by the virus are resulting in changes in all kinds of data. Insurance companies will be a valuable additional source of data as they collect this information. The Yale School of Public Health recorded an estimated 15,400 excess deaths in the United States from March through early April, twice as many as were publicly attributed to COVID-19. Life insurance companies are receiving higher numbers of applications as end-of-life conversations and preparedness are emerging as necessary, not taboo topics.
Reviewing your Life Insurance coverages
This is a good time to review the safety net or security blanket policies that you may have. You will come across many different types of life insurance policies when you start shopping––and not all of them are available from every company.
When you narrow down a policy, reviewing the type of insurance you have against your current lifestyle and needs may be advantageous. New applications are being accepted, and many companies have extended the time needed to complete the medical exam to 120 days, or 4 months. News9, an Oklahoma based news outlet, reported that individuals shopping for new policies may notice that e-signatures are now acceptable.
According to Glen Mulready, Oklahoma Insurance Commissioner, older individuals may have more trouble finding coverage.Insurance companies view older applicants as high risk and with the current economy, some have decided to limit exposures. Fortunately, there are a variety of life insurance companies, so there is a policy type for all. Finding an agent that is affiliated with multiple providers may be advantageous and save time when reviewing rates.
Accessing your Life Insurance
Upon your death, your next of kin will need to make a claim to access the life insurance policy or policies that have been created for you. These people may or may not be your beneficiary. There are three steps that need to take place before any money is released.
- Locating the policy. This involves finding the name of the company or companies that you purchased life insurance from. The NAIC, has an online life insurance policy locator service – https://eapps.naic.org/life-policy-locator/#/acknowledgment
- Connecting with the agent. The agent from the company will assist with the timeline process, provide the policy number, and necessary forms to be completed.
- Completing the Paperwork. Fill out the forms, order the death certificate and mail the forms to the company without delay. Often there is a choice to pick a lump sum or installment payouts.
Typically, the insurance money is released within a few weeks––but there are exceptions. According to Marketwatch, an insurer might deny a claim for a coronavirus death if the policyholder submitted an inaccurate or incomplete application. With this in mind, it may be worth spending a few minutes reviewing your paperwork for gaps.
As you work through the process of applying for your life insurance, reviewing your coverages or submitting a claim for a loved one, document all your findings and notes on InsureYouKnow.org – an online information storage site that allows you to access documents, and files remotely relating to your affairs. There are various levels of access to allow your family members, caregivers or business associates insight into the documents, as needed. There is even a reminder feature to help you update or revisit the policy from time to time.
Created as a distress signal in the 1920s, the term mayday is utilized by ships and aircraft to communicate emergency or life-threatening situations. When officer, Frederick Stanley Mockford thought of the word, the pandemic crisis of 1918 and the end of the First World War was not even a decade past.
Fast-forwarding 100 years to May 2020 – the coronavirus pandemic is very much part of everyone’s life and lifestyle. In a matter of weeks, the way the world looked at itself was turned around, and some questions come to mind….
Is our planet in a state of Mayday?
Depends on who and what you are referring to. The environment is thriving, the oceans are cleaner, and the animals are not scared and are coming out into many city dwellings. The seals are basking on the beaches where humans were. The water, and air is cleaner as the pollution subsides. The planet called Mayday, and now the humans are. However the story is not the same for mankind. Humans are dying – living in fear of contracting the virus and staying indoors and isolated. The economy is in a state of flux, no one wants oil – a once huge commodity. The luxuries of stock trading and vacations are now replaced with the luxuries of accessing food, and human touch.
Is our country in a state of Mayday?
The way the world worked has changed. Our fast paced lives have in some ways slowed down as transportation needs have reduced, and the working world has shifted focus. Going into work, going to school, errands, and shopping have been restricted by both private and public entities. Federal and local governments are rapidly reviewing information and making life-changing decisions about access to healthcare, food, and the outdoors. In some ways the Mayday call has already been sent from the public sector to the private. Our country has forced its community to ramp up the use of technology for communication. The internet is now a necessity for video-meetings that are replacing work conferences, family birthday gatherings and learning. Remote payments instead of cash exchange for services. And the state of the unknown has created an undercurrent of anxiety.
Do you need to signal Mayday?
Checking in with yourself about your needs is paramount. Where you are at emotionally, physically, socially, financially impacts your relations and ability to function with the new day to day. There is little control. Access to food, loved ones, work and our old lifestyle can bring up feelings of anger, resentment, and fear. Reaching out for support or connecting with your community could stop your need for the Mayday call.
InsureYouKnow.org – an online information depository allows those that receive your Mayday call, this month, this year, this decade to access documents, and files remotely relating to your affairs. Whether photographs to relive memories, financial information to cover debt, or your resume for a possible job opportunity. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
We all have or should have In-case-of-Emergency documentation, but did we ever think about in case of pandemic? The current situation can make a difference in the way that our emergency plans work. There are many lists and suggestions of “in case of emergency” documents that everyone should have together, but in our current COVID-19 pandemic situation, there may be areas that need to be reviewed or even created.
With the unknown of when the pandemic will end or if we are in the peak of the homebound regulations, the question of access has become a source of anxiety. Below are three areas of access to consider when we are in pandemic.
Access to Resources
Some of our resources are easier to access than others. Groceries are the ones that we are hearing about on the news – we can’t get the basics – milk, eggs, toilet paper, hand sanitizer. There are grocery delivery services, volunteers in the neighborhoods and local nonprofits that are currently marketing their services – facebook, nextdoor and even conversing with neighbors or friends can uncover options.
Our safe deposit box. The place that we have been keeping our trusty resources are in some ways inaccessible. Our financial institutions may still be open but are you able to get to them safely given the WHO recommendations. Many locations are having special hours for seniors and high-risk patrons.
Many people in the workforce have experienced changes in the work environment. From job insecurity, furloughing, limited hours – to work from home, working in a new location or role. Financial resources may be reduced, and not being able to use your computer, access your desk drawers, use the same extensions to reach people can be tough.
Action: Have you been able to reorient yourself to the new resource allocation? Is there something that is missing that you wish you could have to make your life just a little bit easier?
Access to Care
Our healthcare routine is currently disrupted. Getting to the doctor’s appointments, picking up prescriptions, and going to therapy or residential care facilities is not always possible.
Many providers have been communicating how you can access them if there is a need – often by telemedicine routes. Local or satellite offices are consolidating care in a central location and many doctors are not available every day.
Action: Is your doctor only conducting telehealth visits? If so – the telehealth visits often need technology set up on computers or phones, and walking through the steps now instead of during the appointment can be advantageous.
Access to Loved Ones
Technology is our friend. We may not live with our top-ten people, or even have another person in our home, but phone and video chat have given us the opportunity to access our loved-ones lives in their homes.
If you do need to go to the hospital, a loved one may not permitted to accompany you into the triage area. Your next of kin or preferred person may be high risk and it may not be safe for their health, to come with you. If you need to stay in the hospital, whether for a birth of a child, broken bone, or in the ICU – your loved ones will not be able to stay or visit. These are challenges that are new to all of us. Health care teams are working to help you connect to your loved ones through ipads and phone conversations.
Action – Have a list of people with their phone numbers and consider who would be able to come with you to the doctor office or hospital that is not high-risk.
As you start putting your new “pandemic” documents and plan together consider using InsureYouKnow.org – an online information-safe, as a place to store them. This product gives you the ability to access documents, and files remotely – or from the comforts of your own home. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
How was your holiday period? Did you get a chance to breathe, reflect, and realize the end of the 2019? For some the span of a year can see growth – the accumulation of education, the addition of spouses, and the birth of children; for others it’s a period of shrinking – downsizing of homes, challenges in health, and the death of siblings. The majority of people have a bit of both – the twelve months in a year gives plenty of opportunity for planned and surprise change.
With the addition of technology leading to increased communication and access to the world events – we are aware of not only our own ups and downs, but those of our community, country and world. In mid-2019 – research estimated that 23 billion text messages are sent each day worldwide – and the majority of them are read within the first 3 minutes of being received. (techinjury.net) The Journal of Accountancy says that “The average American checks her phone 47 times a day.” This means we are hyper aware of activities – but are we retaining any of these changes?
Here are some of the highlights of the 1919s and 2019s – which ones were easier to remember…
The 1919s of the Past. This was the period post WW1 which occurred from 1914-1918 and was the first major war affecting multiple countries. As with major conflict – there was loss of routine, possessions and people. In 1919 – the post-war negotiations and development led to the creation of the League of Nations – which is now the United Nations. The Dutch airline KLM was created – and is still in existence today, and services 145 destinations.
In America – The US President was Woodrow Wilson who suffered a stroke – leaving the President with less mental and physical capacity for the remainder of his term. Despite the President’s veto – the Volstead Act established Prohibition. The 1919s ended with the Seattle Strike where the whole city stopped for 5 days as unionized workers advocated for change.
The 2019s of the Present. This could also be labeled as a period of volatility. From Hong Kong protests against the bill with mainland China, and the climate changes with the polar vortex and wildfires in multiple countries. The volatile stock market reflects the multiple changes in technology innovation and government clashes.
In America – Gun violence increasing with 423 mass shootings of 2019. Gun Laws changed to permit open carry – allowing guns in schools in some states – to provide protection. The 2019s ended with the Congress impeachment of the US President for abuse of power and obstruction of Congress due to bribery and wire fraud. This means that the US government has many changes to come.
What are the 2119 historical or memorable moments going to entail? Will they continue to range between conflicts and innovation, health and mistrust? Will we have stability or continue to cause emotional ripples through communities and counties?
2020 is the start of a new decade – and upon taking a breath to reflect and realize – there could be a plethora of items and thoughts that could be stored in InsureYouKnow.org. The product offers a safe place to store all the information in case you need to access it immediately, remotely – or in the next decade