I have my new passport in hand now — and it’s good for ten years.
I hope I am!
Acquiring a new passport really is an exercise in optimism, as international travel, (all travel, really) always requires three key elements:
Jose and I are now at an age we read the obituaries and keep finding people our age, and younger, who have lost their lives prematurely, most often to cancer and heart attacks. We pray for continued good health, without which travel — let alone anything else — is out of the question.
This is such a privilege!
So many people work in jobs, sometimes multiple jobs, that allow them little to no paid time off, or are too scared to actually take their paid vacation or — worst — insist in answering work-related demands even while they are supposed to be resting and recharging.
Jose and I both work full-time freelance and are only paid when we work; i.e. no paid vacation days, ever. Every day we take off without pay means we have to make it up somehow, since our overhead costs are fixed.
Another mark of privilege.
Many people just can’t afford to go anywhere a passport is needed, i.e. to leave the United States (or their home country) — poorly paid or unemployed or beggared by debt service.
We don’t have children or dependent relatives, so we have more options in this regard.
Of course, travel and adventure can also be found and enjoyed close(r) to hand, exploring your own neighborhood, town/city/state/province. Both my native Canada and adopted U.S. are enormous, tremendously varied and filled with alluring places to visit.
The places in Canada I still want to see include Newfoundland, P.E.I. and some more of the Far North.
In the U.S., I hope to visit Colorado, Utah, Montana, Wyoming and several more national parks. I really want to do a driving trip the length of California. I’d like to visit Portland, Oregon, where we have several good friends.
It’s a very long list of places I’ve yet to see, including Japan, Laos, Cambodia, Mongolia, Tibet, Nepal, South Africa, Namibia, Argentina, Chile, Brazil, islands of the South Pacific, Antarctica, Lebanon, Greece, Croatia, Finland, Iceland and Morocco.
Grand Central Terminal; the view from Cipriani. What’s not to love?
Sitting at the bar is where I’ve had some of my best conversations — in Corsica, in Atlanta, in San Francisco and last Friday evening in New York City.
It was about 6:30.
Commuters were rushing to their trains north, to Connecticut and to Westchester, tourists, as always, posing on the steps and slowing rushed New Yorkers down as they raced for the 6:47 or whichever train was next.
Never get in the way of a New Yorker in a hurry!
I settled in at Cipriani , an elegant Italian restaurant in a balcony overlooking the station. I had a magazine and a Mr. C, a citrus-based cocktail. The bartender kindly plugged in my cellphone to charge it.
A handsome young man in a navy suit and white shirt, no tie, slid onto the stool to my left; a slightly older man with a head of wild black hair and oversized sunglasses sat to my right.
“How’s your week been?” I asked the man to my left.
He told me he’d just gotten a new job, and we toasted, clinking our cocktail glasses.
He seemed surprised I was happy to toast a stranger’s success. Why not? Who would be too churlish to deny him that pleasure?
It’s a big deal to flee a job that’s a poor fit for one you hope will be a much better one. Been there, done that.
That’s the beauty, I suppose, of being near the tail end of a long career. For someone only a decade in, every decision can still feel problematic because you’ve yet to make that many of them.
An investment banker, he admitted he didn’t much like the field, but — probably like many people, especially those unhappy at work — he had pretty much fallen into it. If you know anything about I-banking, the income is certainly seductive, but golden handcuffs are still handcuffs.
I urged him to start creating an exit strategy. Life is far too short to stay in a field or industry you really don’t enjoy, I said.
He looked surprised by my vehemence, and my insistence one could actually enjoy one’s work life.
We ended up talking for about an hour, sharing stories of family and work, of dating woes and East Coast snobberies, and the classic diss we’d both experienced: “Where’d you go to school?”, a tedious sorting mechanism. (The only correct answer being the coy, “In New Haven” (Yale) or “Providence” (Brown University) or another of the Ivy League.)
“I’m strapping, right?” he asked me, at one point. He was, actually.
It was a bit awkward to be asked, even though the answer was affirmative.
He was a little drunk.
It made me a little sad.
He was single, and just under half my age, a fact he finally realized but managed to handle with grace.
We had a good conversation with lots of laughter, a few of of life’s more painful challenges and a few high fives.
I like how the right bar and a drink or two can connect two strangers companionably for a while.
One of my pleasures is enjoying culture — and yes, it costs money!
A friend recently saw an ATM receipt that left her gobsmacked — $139,000 — in the hands of a young woman, maybe in her 20s.
My friend is a single mother who works in a creative field, frustrated that she has yet to hit the level of income she craves, deeply envious of the stranger with so much more than she.
I get it — when I found out that a friend of ours, someone our age, earns $500,000 a year, I was stunned.
My husband and I are both working full-time freelance, with a mortgage that won’t be finished for another five years unless, somehow, we make a lot more money and can pay it off sooner.
What’s currently killing our ability to save — or enjoy much beyond basics — is $1,800 month in health insurance costs; his, heavily subsidized by his former employer as a retiree while they soak me the full price.
Yes, there is cheaper insurance, but it all comes with huge deductibles and co-pays.
The getting and spending, (and saving and investing, ideally), of money is often a lifelong challenge for all but the very wealthy.
But it comes down to basic economics: if you’re always broke, you’re under-earning or living beyond your means.
If you’re mired in poverty — with little education and/or weak job skills, multiple dependents and/or health issues — it can feel, and be, almost impossible to climb out.
And I know far too many women, of any age, who remain somehow terrified of money — especially when asking for it or more of it, (i.e. negotiating an initial salary, asking for raises/bonuses/commissions/better freelance rates), and handling their finances confidently and intelligently.
As if, for some reason, we don’t deserve it.
It does mean taking charge.
It does (gulp) carry consequences, no matter how much action (or inaction) you choose.
I once attended an information session at the U.S. firm where I keep my retirement money.
It was laughable.
As in laughably bad, full of jargon and weird, arcane advice possibly of value to people with millions to manage — or waste.
Selfishly, as a journalist, I get paid to learn, and, in writing about personal finance for the Times and Reuters and others, have learned (and taught readers!) a lot about handling money.
I also read the financial pages of two newspapers daily and read several business magazines to keep abreast of what’s happening in the domestic and global economy.
If you don’t know the word fiduciary, learn it and make sure anyone going near your money professionally is one.
I urge anyone thinking about how to better handle their finances to read this fantastic book, (which I reviewed in The New York Times, and am now friends with its author), Pound Foolish. It’s not a how-to, but a smart and insightful overview of the personal finance world.
Jose and I were were lucky to both have attended and graduated from college debt-free; he on full-ride scholarships, I attending Canada’s best university for $660 a year. (No, there’s no missing zero.) Neither of us attended (or needed) graduate or professional school.
Nor did we have children, saving us an estimated $200,000+ per child to raise.
Nor do we have dependent relatives.
My priorities have been travel and retirement.
But I admit it — it really did feel useless and annoying to keep putting money away year after year after year for what I hoped would one day help fund a retirement, denying myself so many purchases, (newer car, nicer clothes) and pleasures in order to do so — until that sum finally grew to six figures and I thought, with relief and pride: I did that!
And, yes, for many reasons, saving money is difficult for some people, and impossible for those who don’t earn enough to get past subsistence.
But it’s also urgent (and tedious!) to distinguish between wants and needs, between what everyone around you may boastfully own, often on credit, (new phone, new car, huge and lavish wedding, bigger house, etc.), and what fits your financial priorities.
Peer pressure to keep up — i.e. spending! — will kill you and your financial future.
The backstory, for those of you who don’t use or need one, is the staggering price increase for the EpiPen, an injectable device that pumps epinephrine into your system to address anaphylactic shock, an allergic reaction to nuts, shellfish, fish or any number of substances.
If someone goes into that shock, they need the injection within 30 minutes or they can die.
In the U.S. — whose entire healthcare “system” is run to wring the maximum profit from our inevitable physical needs — there’s only one company making them right now, Mylan, whose female CEO, Heather Bresch, the daughter of a Senator, no less, might be the most loathed individual in the country right now.
Knowing she has the market cornered, (as other competitors left the field), she spiked the price of EpiPens to $600 — a huge jump, and one that makes a lifesaving device unaffordable to many people.
(The company, now under tremendous public fire, is offering a $300 coupon.)
Imagine needing, (as some people do), three sets for each child: school, home and your vehicle, a cool $1,800 to start.
I’ve been following this story, not because anyone I know uses an EpiPen but because I’m so sickened by corporate greed.
I also grew up, to the age of 30, in a nation with strict government oversight and regulation of drugs, medications and device prices — so no one gets gouged.
I decided to pursue this story on Friday morning, and started at 10:00 a.m.
I put out calls and urgent emails to sources in the U.S. and Canada, racing the clock to get the story reported and written quickly; as a “trending topic”, I needed to get it posted as soon as I could, yet make sure I was producing a smart, well-written and well-sourced piece.
Social media saved my bacon — a request to a writers’ group I belong to on Facebook prompted a fast reply from someone who knew a physicians (!) who personally relies on EpiPens and who emailed me back quickly and in detail.
Working behind the scenes with my editor who, as usual and of course, I haven’t met, we discussed how to best present the story, an angle I hadn’t read anywhere else — yet.
We posted the finished story, about 1,200 words, by 5pm. (Good thing I’ve worked as a daily newspaper reporter. That kind of speed is normal for me.)
If you have time to read it, please share it widely; Forbes is a pay per view model, and this story offers an important way for people who need affordable access to get it.
A little late to this party, but those of you on Twitter might have seen this popular hashtag, where people share their first seven jobs.
It’s been really interesting to see all the odd and unlikely things people do to earn money…tank driver, fishmonger, clown, pipeline surveyor, funeral musician.
It was also interesting to see how many of the jobs were fairly low-level/low-wage until people hit a well-paid professional career, and it seemed like a longer, slower trajectory for the Americans who tweeted, maybe because so many go on to graduate school, maybe because some just didn’t need — or couldn’t get — a better position sooner.
Here are the first seven ways I tried to make money, (and you’ll quickly see a pattern!):
Made and sold home-made bead necklaces on a street corner in a chi-chi shopping area of Toronto. I was 12.
Made and sold home-made envelopes (magazine pages, with an address label). I was 15.
Lifeguard at various Toronto swimming pools, public and private. Ages 15 to 18.
Waitress (very briefly!)
Busgirl (even worse)
Sold my photos on the street. Age 19
Sold my articles to national magazines and newspaper. Age 19.
I soon learned that:
I like to sell
I like to talking to strangers
I’m not scared of selling or of speaking to strangers
I like seeing how people respond to my creativity
I like it even more when they pay me for it!
Lifeguarding is really, really, really, boring — until or unless (which never happened) someone is in serious trouble
Waitressing and bussing tables demands huge physical stamina, patience and a shit-ton of emotional labor
I prefer being paid to challenge and question authority (journalism) than kow-towing to bosses and customers (service work)
The world of work can appear terrifying, impenetrable, overwhelming. No matter how hard you work or whatever degree(s) you earn or your stellar marks/GPA, you can still hit a wall, or many.
There are many people out there insisting you follow your passion, without regard to — you know, money.
Just because you like making cupcakes/walking your dog/playing the banjo doesn’t mean you can earn a decent living from it.
The challenge for everyone, from first job to last, is finding steady work we enjoy, (at least much of the time), and that uses our skills and emotional intelligence.
Working for income is such a potent blend of drive, determination, talent, sheer get-this-shit-done-now, emotional labor, (i.e. sucking up, being nice to people even when — especially when — you’re being badly paid and treated like crap, as in retail and foodservice), management draaaaaaamas, finding smart/kind (if you’re lucky) co-workers, bosses and clients…
A job can look perfect on paper and then you start and….ohhhhh, shit…It’s not.
Or, yay! It really is.
I’ve spent much of my career as a journalist working freelance, i.e. without any paid sick days or paid vacation, without a boss or co-workers or raises or promotions or bonuses or commission. Whatever I earn has to come through my efforts and skills, and, when it works, the generosity of my networks who refer me on to their contacts.
Some years have been terrific, others much less so.
I do enjoy working in/with/on a team, as one does in a newsroom or magazine. I enjoy, and I miss, the camaraderie and the mix of smarts and energy.
But I also treasure autonomy, being able to plan and manage my own time, (and time off — Americans with staff jobs are terrified to ask for or use their skimpy vacation days) –and to pick and choose work that makes sense to me, intellectually if not always financially.
I’ve had three well-paid staff jobs at major daily newspapers, in Toronto at the Globe and Mail, (Canada’s best), the Montreal Gazette and the New York Daily News.
I loved the first, enjoyed aspects of the second and barely survived the third; daily American newspapers, now struggling mightily and shedding staff like autumn leaves, are highly specific cultures, some welcoming, some less so.
I’ve also worked as a senior editor and editor in chief of a few magazines, work I enjoyed less, as it was totally desk-bound.
What were some of your first jobs — and what did they teach you?
Here’s a powerful story about what it’s like to lose a job, and a career, that you love — and turn into someone who, like millions do in many places, just gets up every morning and does his best anyway:
First comes rage. The rage of impotence.
It’s not easy being nobody, especially when you used to be somebody. But times are tough; jobs are scarce. When you’re falling straight down the financial cliff face, you reach out to grab hold of anything available to stop your descent and there, just before you land in a homeless shelter or move in with your sister, is Uber….
I think of Uber as a modern-day version of the Works Progress Administration during the Depression. Thanks to Uber, I am not poor. I am just . . . nobody.
When I first started driving, I talked to every passenger. I engaged in conversation about the city, life and politics. I told them about my work as a reporter, and as a strip club manager. I felt the need to say, “I’m not really an Uber driver. I am someone too. Just like you!”
The writer, John Koopman, used to be a journalist at a major U.S. newspaper — a job, today, that has all the future growth potential of a Zeppelin operator.
More than 30,000 of us, (I was laid off from the New York Daily News in 2006), have in recent years lost well-paid staff jobs at places we liked, doing work we enjoyed with people we respected. Our industry is in chaos, and well-paid newspaper jobs are being replaced with fewer digital ones, often paying far less.
Many career journalists also make a trade-off, settling for what’s called “psychic income.”
No, not clairvoyance!
We accept a lower salary — much less than you might think — because we actually enjoy(ed) our daily work. It’s a great way for publishers to get highly educated staffers cheaply and, with few unions left to fight for better wages and conditions, ask them for the moon.
The problem with invisible income is, especially after years or decades of it, that it doesn’t add up to shit — no retirement, no paid-off-mortgage, no fuck-you fund for when (not if) you finally get fired or laid off. Very few people now have a defined-benefit pension, so all that “psychic income” didn’t fill a 401(k) either.
And (surprise!) many of the journalists, like me, who are losing their jobs — some paying $80,000-120,000 year or more — are in their 50s or beyond, and now deemed “too expensive” for anyone else to hire.
So, no new J-job for you, missy!
Back to college to start a shiny new career at 50 or 55 or 60? Not likely.
So, for Koopman, it’s Uber.
For me, it’s freelance, and nowhere near the full-time income I earned 11 years ago, despite all the usual accomplishments.
When you lose your job, and your title, and your Big Name Affiliation — no longer able to say “we” about your coworkers and employer — who the hell are you?
In the fall of 2007, a year out of the News job, I was scared to death and couldn’t gin up enough freelance work.
I took a part-time job at $11/hour as a retail sales associate in an upscale suburban mall near our home. I worked for The North Face, an enormous company that has since bought Timberland.
We sold $600 ski jackets to hedge fund managers from Greenwich, Connecticut — and never got a penny in commission for the biggest of sales.
I stayed until December 18, 2009, by then grateful to be earning $450/month for blogging, twice my store wages, and finally able to flee.
My feet were killing me — and my soul was dying.
You can only be underestimated for so long.
I had been “someone”, (a writer, an author, i.e. a person whose work elicited envy), for decades, since college.
Now, like Koopman, I was deemed a peon, in humbled service to shoppers, many of whom assumed I must be uneducated (untrue), stupid (ditto) and had never traveled further than the mall parking lot (38 countries, for work and pleasure, in better years.)
When I opened my mouth to help a customer in French or Spanish, they looked at me like the dog had started singing Aida.
This is where Koopman is now.
This is why Koopman — and it’s such deceptive insanity to define your worth by your job title — feels like he’s nothing and nobody.
But in a country relentlessly focused on income, status, work, more income…a low-wage, low-status job marks you as someone with a big fat L for loser on your forehead.
It’s ugly and it’s demeaning and it’s really demoralizing.
Jose and I have a glory wall, I’m both embarrassed and proud to admit. We were very lucky, because we both had well-paid staff jobs at major newspapers for years, he for 31 at the New York Times.
The glory wall is the pile of laminated press credentials you get, and proudly collect, when you cover the biggest stories — political conventions and inaugurations, the Olympics (he did two, as a photographer), Presidents (he covered three).
I met Queen Elizabeth and covered a Papal visit as well.
Those glossy credentials publicly and visibly define you as someone with a good job and challenging, coveted assignments.
When you no longer have a lanyard or press pass or credential…you’re persona non grata. You can’t just cross police lines anymore, (as you can with an official city-issued press pass.) You’re not of the Times or with the News.
This has been a rough year, (and many other writers I know), so much so that I suffered persistent stomach pain for weeks and went for a check-up.
The pains have, fortunately, subsided, no doubt caused by work-related stress.
My doctor reminded me, kindly, what I already knew — you can’t assign your value, and your mental and physical health in this world to worldly success, a job, a title, a salary, an income.
If there is an obsession I really hate, it’s “being (more) productive”, i.e. making sure that every minute of our every day is spent doing something, preferably as quickly and efficiently as possible.
No, do even more. Better!
I live near New York City, a place where if you’re not working reallyhardallthetime — gobbling lunch at your desk with no break in your day — you’re seen as some witless, gormless slacker.
It’s hardly a point of view confined to New York, but it does feel very American, with a deep-rooted and long-established cultural emphasis on making lots and lots and lots of money and never wasting time because…you could be making more money!
All of which strikes me as sad and weird.
This mania for measurement began, as some of you know, with Taylorism and Fordism, ways of manufacturing, (to profit corporate owners and their shareholders), more quickly and efficiently, named for the men who created these systems.
As I watch the sea of migrants — refugees, more accurately — heading north from Syria and other nations into Europe, hoping to re-start their lives somewhere safe(r), I think about all they have had to leave behind — homes, furniture, assets, educations, family, friends.
Some have lost their husbands, wives and children, killed en route.
There were no razor-wire-topped fences hastily being built, as in Hungary now. But the refugees had to begin a long, slow process of finding advocates to legally represent them; as a college student studying Spanish, I did some volunteer interpreting.
I will never forget what I heard, even if I wish I could — horrific narratives of rape, imprisonment, torture. It was difficult work, for them (proud, traumatized men, many my father’s age, having to recount the worst moments of their life to a young and unfamiliar woman and other strangers) and for me (I had no idea the world could be so cruel. Their stories, decades later, live in my head.)
When you leave your country of origin, (which I did at 30, leaving Canada for the U.S., admittedly under no duress), you start anew. Your life, your accomplishments, your advanced degrees from places no one here has ever heard of or attended…sometimes vanish overnight.
No one knows your parents or went to the same schools or ate the same food. They didn’t watch the same television shows or read the same writers.
Not only do you now not know a soul, the people on whom you must now rely — landlords, banks, police, neighbors, teachers, medical staff, the legal system — are unfamiliar. You may shake at the very sight of a uniform or a gun.
And they use words and phrases they know well, and which may make no sense to you, either as language or as functional concepts.
A new language must be learned, the streets and transit systems of a new city or or town. A new national anthem and currency. You will miss subtle cultural cues everyone else understands, sometimes for decades to come.
If you’re fortunate enough to have classic capital — money, savings, assets you can liquidate like gold or jewels — you’ve got something to start with.
The most crucial, though, in my experience, is social capital — the vast network of people who know, like and trust you enough to refer you into their valued networks. You need a job, an income, a place to start again.
Too often, especially here in a dog-eat-dog place like New York, people lucky enough to find a lifeboat pull up their oars, so to speak. No, they will not help you or return your emails or phone calls or texts.
That takes time to accumulate and to acquire. Here, I see it used (and abused) most powerfully among those who attended the same colleges and universities, sometimes the elite prep schools that feed them. Alumni networks here seem of paramount importance compared to my prior experience in a nation with 10 percent of the U.S. population.
We recently sat with a working-class friend who came to the U.S. from Eastern Europe at 24 with $200 in her pocket. “I had no idea what I was doing,” she said.
I arrived in New Hampshire, via Montreal, and would honestly now say that I didn’t either. Had I known how hard it would be to reinvent, I doubt I would have made the leap. And I was fortunate — young, healthy, educated, with work experience and savings.
I had visited the U.S. many times before I moved here and it’s not that big a shock — not like trading Syria for Sweden, for example.
But we’re here now, with friends and hair salons and dentists and a gym we like. Apartments with views that we treasure.
Social capital is the value of network trusting relationships between individuals in an economy.
Individual capital, which is inherent in persons, protected by societies, and trades labour for trust or money. Close parallel concepts are “talent“, “ingenuity“, “leadership“, “trained bodies”, or “innate skills” that cannot reliably be reproduced by using any combination of any of the others above. In traditional economic analysis individual capital is more usually called labor.
Have you left behind your country of origin for a new one?
It’s Labor Day weekend — three days off for many workers in the U.S., where I live, in Canada and some other nations.
It’s always, for me anyway, a time to reflect on why we work and what we’re working for:
To fund higher education, for self and/or others
Short-term emergency savings
Medical insurance/expenses (Americans must buy health insurance like any other consumer product)
Major purchases — a vehicle, a home, a boat
Camaraderie with peers and colleagues
The thrill of scientific or medical or intellectual discovery
Learning and mastering new skills
To support the financial needs of family and others
A place to feel welcomed, to belong
Helping others — nursing, teaching, the ministry, the law
I’m endlessly fascinated by work. Maybe because I grew up in a family where no one had “a job” — with a paid vacation or sick days or a pension or raises. My father was a film-maker, my mother a journalist and my stepmother wrote for television.
All the money earned in our home came from our individual, independent creative efforts.
Any story focused on business, labor practices, unions, wages, the Fight for $15 — to raise fast food wages to $15/hour here in the U.S. — gets my attention.
One of the books I admire is by MIT professor Zeynep Ton who studied five retailers who actually pay well and earn good profits, called The Good Jobs Strategy. Another, an early precursor of the current interest in more ethical garment production, is Where Am I Wearing by Kelsey Timmerman.
I’ve been working at home since losing my last staff job, at the New York Daily News, (then the nation’s 6th largest daily newspaper), in the summer of 2006. It was not a happy place to work, its unofficial motto, “Sink or Swim.” I don’t regret the loss of that job, although I miss making that income, much more difficult to attain through the intellectual piecework that is freelancing — you are only paid for what you produce, and often later than you need.
Since my high school days I’ve worked as:
a newspaper reporter (three daily papers)
a magazine editor (four national magazines)
a writing teacher (four colleges)
a writing coach (multiple private clients)
a photographer (published in The New York Times and Washington Post)
an author (of two works of non-fiction)
a volunteer Spanish-language interpreter (working with Chilean refugees)
a cross-cultural consultant for Berlitz
a retail employee at $11/hour
Of all of these jobs, I’ve by far most enjoyed my days as a daily newspaper reporter and really miss it.
At its best, there’s no better way to have fun and adventures and get paid for it. I met Queen Elizabeth aboard her yacht Britannia, flew to an Arctic village in December, climbed 100 feet up a Tall Ship mast, sailed aboard $6 million racing yachts, visited a Quebec hospice, broke major medical stories.
I’ve traveled, on stories, to Ohio and New Orleans and Texas, to Sicily and Copenhagen and London.
In March 2014, I went to work for a week in rural Nicaragua with WaterAid.
I love the intellectual stimulation of journalism — having to make sense of complex, unfamiliar material — like a recent piece on predictive analytics which I then need to write clearly and compellingly for others.
I love the variety of the people I meet and speak with, everyone from Olympic athletes to military veterans to a female Admiral to convicted felons. I can never afford not to be curious and open-minded.
I love writing books, diving deeply into complicated subjects that deserve, and rarely get, closer attention.
I love connecting with readers, one of whom recently called my book “Malled”, (a memoir of low-wage work), a page-turner.
I’m fortunate. At my age, we’ve little debt, no children to support and have acquired good savings for our retirement. So my goals for work now are different from fresh grads desperate to find any job and pay down enormous student debts.
But it’s a very very tough time for many American workers; union membership is the lowest since the Depression, 11 percent of public workers, seven percent of private. Even with corporate profits at record highs, wages remain stagnant for many, and worse for the lowest-paid — while costs keep rising, on essentials like college tuition and health insurance, (also here deemed a consumer product.)
Americans still have no paid maternity leave and even companies that offer it know many workers are too scared to take unpaid leave — lest their care for their families make them look like slackers.