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Super Bowl 2019 tests a twist on youth vs. experience


Super Bowl LIII will pit the Los Angeles Rams against the New England Patriots, but the sidelines will be the setting for another kind of matchup: youth versus experience.

In 2017, Sean McVay, at 30 years old, was the youngest head coach to be hired in NFL history. Now in his second season, he’ll be facing off against Bill Belichick, the league’s longest-tenured head coach.

As a leadership professor, I study how leaders of all ages navigate generational differences, including how to motivate those that might be on the other side of the generation gap.

For Belichick and McVay, the challenges might seem particularly acute. Most of Belichick’s players hadn’t even been born when Belichick secured his first coaching gig. And while McVay can probably talk about social media with his players in a way Belichick can’t, he’s in charge of a coaching staff that includes septuagenarians.

But it doesn’t matter if you’re the greenest of leaders or a grizzled veteran: With some insight into generational dynamics, your age can become irrelevant.

Bridging the generational divide

Having a leader at one end of the age spectrum can lead to all kinds of assumptions.

Research has shown that older leaders are expected to be stable, dependable and interested in upholding the status quo. Younger leaders are thought to be natural change agents and innovators.

There seems to be a basis for these assumptions. Studies have found older leaders do tend to take a more measured approach and lead in ways that are described as structured and conservative. Younger leaders, in contrast, are more energetic and have what employees describe as a “take charge” approach.

But one approach isn’t necessarily better than the other. Instead, what matters is the ability of a leader, young or old, to do two things.

First, they must reflect certain leadership qualities. Research shows that people want leaders who they see as inspiring, competent, forward-looking and honest.

Second, a good leader must also understand the needs and perspectives of each team members — specifically, the different kinds of support younger and older employees require from their leaders. Navigating these generational differences requires what I call “gentelligence.”

For example, a young employee and an older employee might interpret the same action differently. While boomers tend to interpret a lack of feedback as a sign that everything is going well, millennials may assume the opposite. Studies show they expect a steady stream of feedback and mentoring.

We also know that millennials place a lot of weight on how well a leader communicates and connects with them on a personal level, which makes them feel valued. Boomers also want to feel valued, but asking them what they did over the weekend isn’t the way to do it. Instead, a boss could ask them to offer advice or input.

Also read: This NFL exec’s technique for assessing football players also works on stocks

The yang to McVay’s yin

The Rams aren’t the only organization giving the keys to a young leader: Across many industries, the number of millennial bosses is rising. Those born between 1981 and 1996 now make up 20% of organizational leadership roles. Baby boomers like the 66-year-old Bill Belichick hold just 18% of these roles.

Baby boomers may appreciate the energy and communication skills of younger leaders. But to gain the trust of older employees, young leaders often need to be willing to openly acknowledge what they don’t know yet, and ask others for input.

McVay appears eager to do just this. When asked what it means to have the older, more experienced Wade Phillips as his defensive coordinator, McVay described it as a “yin and yang” dynamic.

“It allows you to have a sounding board from someone who has been through a whole lot more than you have, have somebody to bounce things off of,” he told NBC Sports’ Mike Tirico. “It’s all about the people you’re around,” he later added, “and not being afraid to say, ‘Hey, help me figure this out.’”

Belichick never rests on his laurels

Older leaders need to grapple with a different set of challenges when engaging younger members of their team.

Established leaders such as Belichick grew up in an age when holding positions of leadership meant unquestioned respect. But younger generations are less inclined to listen to someone simply because they hold a title.

Nonetheless, older leaders are still well positioned to connect with younger employees who are eager for guidance, and their years of experience make them effective mentors. They also tend to bring a calm and consensus-building approach.

Just as important is an older leader’s openness to the ideas of their young employees. It signals that they’re confident enough in their own experience and track record to empower those beneath them.

According to his coaching staff, what makes Belichick such an effective leader is his willingness to listen to and trust his staff.

As former defensive coordinator Matt Patricia explained, “We go to him with new ideas all the time — or what we think are new ideas.”

“He wants you to disagree,” receivers coach Chad O’Shea added. “He respects that. He listens. He trusts us and demonstrates that by letting us go out and make decisions.”

Success, whether in the boardroom or on the field, depends on the talent of a leader to understand and navigate the expectations and needs of all their team members — no matter their age.

For a leader in today’s 21st-century workplace, that may be the most important playbook of all.

Megan Gerhardt is a professor of management at Miami University. This was first published by The Conversation — “Belichick versus McVay: An age-old question of leadership”.

Kevin O’Leary says you need to have all your debts paid off by age 45 — including your mortgage


“Shark Tank” star Kevin O’Leary knows how startup businesses succeed — or fail.

Most businesses make it past that crucial first year by finding investors while controlling costs tooth and nail.

If only retirement investment advice had that same approach.

“If you want to find financial freedom, you need to retire all debt — and yes that includes your mortgage,” O’Leary told CNBC

CMCSA, +0.60%

Your personal break-even, that moment where, like a business, you’re going to thrive or fail, is age 45, he says.

By then, O’Leary warns, you should be debt-free. No mortgage, no credit cards, no student loans.

It’s a tall order. Huge numbers of baby boomers are hitting 65, an estimated 10,000 of them a day. Many are leaving work, too, by choice or not.

And many of them, unfortunately, carry debt into retirement.

Debt free

The problem, as O’Leary explains, is that debts compound. It’s extremely hard to manage a growing debt load on a fixed income that does not grow.

He didn’t pick age 45 by chance. Even good savers need two decades of investment compounding to retire on their own terms.

Paying down debts past 45 will mean less money growing in your retirement savings and more paid out to cover outstanding liabilities.

Look, I know it’s extremely hard to just be debt free. But O’Leary’s point is well-taken. You can’t grow money prudently if your debts grow faster.

That’s a key financial concept that many folks simply don’t grasp. It’s a rare investment that grows faster than the economy and inflation.

But most debts absolutely grow faster — some much faster.

Consider a typical retirement portfolio of stocks and bonds. You might be able to get 6% or 7% a year, averaged out. Some years will be higher, some will be lower. Go with more stocks and maybe you’ll make a bit more, with more ups and downs, of course.

Read: Fidelity’s average account balance drops — the reason why may surprise you

Getting 7% means your investments will double in roughly 10 years. Then, over the following 10 years, that existing balance can double again, even if you stop saving. Compounding growth is a wonderful thing.

Unless it’s not. Your mortgage might be costing you less than 5%, but that only means your housing debt is compounding slightly more slowly than your retirement pot is growing.

If you have student loans, same thing. Credit card debt, meanwhile, is compounding on the order of 13%, 19%, or higher.

Say you have $10,000 on a card at 12.9%. If you carry that for five years the real cost to you is $13,621. Carry it for 10 years and the cost mushrooms to $17,846.

That’s nearly $18,000 that you did not put into your own retirement plan. It’s money that will not compound on your behalf and which buys you nothing at all. It’s just wasted.

Fine print

When it comes to investment costs, the same dynamic kicks in. If you pay 2% of your assets a year to a mutual-fund manager or financial adviser, that’s not 2% of your yearly returns.

People miss this in the fine print all the time. A 2% annual charge on your total assets is a lot of money. For many investors it’s thousands of dollars a year.

And it’s charged whether you have a good return or the market sells off.

In fact, over time, high-fee funds can absorb essentially all of your potential gains. You take the investment risk and the managers and your adviser keep the returns.

Ideally, advisers should help lower their investment costs using index products and provide truly conflict-free advice — such as how much risk to take for your personal goals, when to rebalance, and timely financial planning ideas.

O’Leary’s right. If you can’t make his debt-free timeline work right now the next best thing is to get started toward that goal.

Meanwhile, remember to contribute to your own future through prudent, low-cost investments. That way your money will compound into a solid financial base for retirement.

Baby Boomers Going Back to School


It's that exciting time of year. Kids are heading off to school in their new duds with backpacks full of notebooks and lunch pails. But it turns out not only the young will be cracking books.

Plenty of baby boomers are going back to school as well. Some are enrolling to college for the first time.

"At 78 million strong, the baby boomer generation is bringing a surge of older students to campus," states the American Association of Community Colleges (AACC) in its report "Plus 50 Students: Tapping Into a Growing Market.

What are the reasons for this trend? Unlike younger college students, trail-blazing baby boomers are not driven by anyone's expectations other than their own, according to a survey by Schools.com. And, perhaps surprisingly, regret does not seem to be a big factor either. Only about 15 percent of students aged 50 to 59 said they went back to school to complete a degree they previously started.

So, just why are baby boomers heading back to school?

To Update Skills

Many boomers are working longer. Studies show that up to 80 percent of baby boomers plan to do some sort of paid work until age 70 to stay mentally sharp, keep engaged socially, and achieve financial security in retirement. That leaves a couple of decades after 50 to work.

Whether boomers are working because of financial needs or personal choice, many go back to college for additional training so they can stay marketable in the work or advance their careers. Some are laid off and having difficulty finding employment. Updating their skills by going back to school looks like a step in the right direction.

Aside from motivation, baby boomers stand out from younger students in other ways. For example, most do not care about social activities, campus life, and extracurricular activities. Many enroll in online or hybrid degree programs because of the lower cost and flexibility.

Many colleges have taken note of older students' unique needs as they search for fast and efficient ways to further their education and careers. In fact, The American Association of Community Colleges introduced the Plus 50 Initiative in 2008 to help colleges learn how to provide what older students want. As a result, those over 50 usually can find plenty of flexibility with degree programs, online and weekend courses, and accelerated classes.

To Change Careers

Some baby boomers are pursuing an "encore career" and go back to school to prepare for a new direction in life. Whatever boomers are retired and want to try out another career part-time or are still working and want to change jobs, many want to pursue their interests and passions before it's too late.

In addition, as people age, they tend to want a career that's fulfilling and meaningful to help others. "Sometimes people may have been very successful in a career that they had and now they are retiring but they knew all along it was not what they really wanted to be doing," says Dawn Jones of the Office of Career and Transfer Services at Schenectady County Community College. "They want to be doing things that are more important to them."

To Focus on Themselves

For those 50-59, the decision to return to school was often about finally having the freedom to explore a subject they love. Thirty-one percent of those surveyed in that age range said they enrolled in college to explore their passions. Compare that to those between 18 and 29 who were three times less likely to give that answer; they were more likely to say they enrolled in college as a logical next step in their lives.

The fact is that baby boomers are changing the way people age and many want to continue to grow and learn. Some became part of the continuing education department, taking classes to learn a new language or about astronomy. The idea is to learn for themselves rather than earn a degree. And why not? Many now have the freedom with less responsibilities to take advantage of opportunities.

Are you a baby boomer thinking about going back to college? Do not let age stop you. It's never too late to go back to school or try out a new career.

"It's not about a number, it's about a mindset," Jones says. "If it's something you want to do and have the energy to do and you're passionate about it. We've had students in their 60s and 70s, and I think we've even had a few older than that, taking classes and enrolled in degree programs. There's no age limit, there's no limit to what you can do if you want to be doing it. "

"What I say often to my returning adults is 'you're never too old to decide what you want to be when you grow up.'" Jones adds.

Federal Reserve faces dilemma after the pleasantly surprising jobs report

Federal Reserve faces dilemma after the pleasantly surprising jobs report

© Getty Images

Career Technical Education programs help Oregon manufacturers find qualified employees


Consider Spencer Hansen of Springfield. Hansen is a 2017 graduate of Thurston High School, and a success story in the district’s CTE program. Hansen is a drafting intern at Johnson Crushers, five mornings a week. (SBG)

SPRINGFIELD, Ore. – With unemployment at record lows and Baby Boomers joining the ranks of the retired, Oregon manufacturers are struggling to fill jobs with qualified workers.

Local employers like Johnson Crushers International in Eugene say Career Technical Education (CTE) offerings at the high school level are key to get more young people interested in trades.

Consider Spencer Hansen of Springfield.

Hansen is a 2017 graduate of Thurston High School, and a success story in the district’s CTE program.

Hansen is a drafting intern at Johnson Crushers, five mornings a week.

“Putting very detailed information about mechanical parts on paper,” he said of his job, “so somebody out in a manufacturing shop can actually design the part.”

His interest was sparked by his advanced drafting coursework in high school.

Avril Watt, human resources manager at Johnson Crushers, said people like Hansen are key to closing the labor shortage. “We’re always looking for qualified machinists,” Watt said. “The key word there is qualified.”

State employment analysts report nearly 2/3 of all industry vacancies in Oregon are hard to fill.

More than 8 out of 10 construction openings are hard to fill. In manufacturing, the ratio is 73 percent of vacancies are hard to fill.

“The decrease in the pipeline and the increase in demand in recent years have really collided kind of statewide,” said Henry Fields with the Oregon Employment Department.

Fields said high school students need to realize that showing interest in a skilled trade is not at odds with a university education.

“It doesn’t necessarily need to be that you need to choose whether you’re going to enter an apprenticeship program, or whether you’re ever going to get a bachelor’s degree,” Fields said.

“I want to be an engineer, right?” Hansen said. “I’ll probably have my masters in 5 years.”

And as he pursues that degree at Oregon State, Hansen said his high school CTE coursework earned him 16 college credits – and saved him thousands of dollars on his education.

More Millennials Holding Official Positions In Growing Pittsburgh Trend – CBS Pittsburgh


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PITTSBURGH. (KDKA) – Braddock Borough now officially has a new mayor in 29-year-old financial analyst Chardae Jones.

Jones is part of a growing trend in the Pittsburgh Area.

More Millennials are holding official positions, or being elected.

Jones replaces John Fetterman, now lieutenant governor, and among the many ways she’s different from Fetterman is her age.

“I come with fresh perspectives and new ideas, a millennial voice. I felt like it was missing here,” says Jones.

Jones is not alone.

Millennials are entering politics in record numbers, replacing the older folks.

“It’s every baby boomers nightmare,” said University of Pittsburgh political science Professor Kristin Kanthak.

Millennials like U.S. Reps. Conor Lamb, age 34, and Guy Reschenthaler, age 35, and PA Sen. Lindsey Williams, age 35, and PA Reps. Summer Lee, age 31, and Sara Innamorato, age 32.

And then we have the local mayors.

Besides Jones, age 29, of Braddock, there’s Mayor Emily Marburger of Bellevue, age 30, and Mayor Matthew Rudzki of Sharpsburg, age 32, and Mayor Marita Garrett of Wilkinsburg, age 32.

For years, the political process seems to have been controlled by Baby Boomers, those born before 1965.

What’s interesting is that those replacing them are the Millennials, those born after 1985.

“They’re running for office more than we’ve ever seen young people run for office,” Kanthak told KDKA political editor Jon Delano on Wednesday.

“They have very different approaches and opinions and views about the world.”

Kanthak says even in politically conservative Western Pennsylvania, young people are making a move politically.

“They have sort of over the last year or so flexed their muscles for the first time, and I don’t think they are going anywhere soon,” Kanthak said.

This year’s elections will be another chance for young people to hit the ballot.

But Millennials shouldn’t get too cocky.

Generation Z is right behind them, like 19-year old Ashley Priore, a Pitt student running for Pittsburgh School Board this year.

Baby Boomers | Luke Jackson


On New Years Eve myself & Andy Sharps were making our way through a bottle of Glenfiddich in his front room & in our hazy state got talking about his beautiful baby daughter and what the world will be like when she is our age.

This then got us thinking about how much the world has changed since we first met 8 years back, so with that in mind & everything going on at this moment in time, it inspired me to write this song, ‘Baby Boomers’

Filmed & Recorded: Elliott Norris

Thrill-seeking pensioners are swapping the quiet life for adrenaline highs, survey finds


A new generation of thrill-seeking pensioners is rejecting the traditional retreat to the garden shed or bowls club in favour of adrenaline experiences and travel.

And according to a new survey, the over sixty-fives are willing to pay the price for high-octane living spending up to £5 billion a year on big ticket experiences.

Research for financial services company OneFamily found pensioners in the first five years of retirement will spend an average of £2,200 a year on experiences for the first five years – a total of £5 billion a year.

High-octane living

More than half of those newly retired (52 per cent) said they wanted to try new things, with thousands saying they planned to take up adrenaline activities such as scuba-diving, swimming with dolphins and hot-air ballooning.

The most popular activities for 2019 included holidays with family (35 per cent), sightseeing in the UK (32 per cent) and going to theatre shows (24 per cent).

Retired baby boomers are splashing out on a range of experiences from going to the theatre to extended holidays or even skydiving

Nici Audhlam-Gardiner, OneFamily

Two in five (39 per cent) of those recently retired expected to splash out over the next five years either on treats for themselves and their families or on bigger ‘one-off’ experiences, nearly a quarter (23 per cent) were planning a ‘once in a lifetime’ holiday and three in 10 (30 per cent) said they had seen younger people having new experiences and felt they were missing out.

Splash out

Two thirds (65 per cent) said they were eager to make up for lost time and 44 per cent said having worked hard all their lives they now wanted to have fun.

Nici Audhlam-Gardiner, Managing Director of Lifetime Mortgages at OneFamily said: “Settling down to a quiet, sedentary life is no longer the case, with retired baby boomers splashing out on a range of experiences from going to the theatre to extended holidays or even skydiving.

“After years of hard work, many are determined to make the most of their retirement, finally having experiences they may feel they missed out on in their youth.”

‘Babyboomers hebben hun welvaart beleend en sleuren alles mee hun graf in!’; Wellens & Hulleman


Babyboomers sleuren alles mee hun graf in en laten ons achter met; een enorme staatsschuld, een incapabele Europese Unie en een overheidssysteem dat hortend en stotend haar weg zoekt met krakkemikkige banken als fundament.

De generatie babyboomers hebben de welvaart beleend maar niet verdiend. Een vrij associërend gesprek tussen Arno Wellens en Sven Hulleman over de pensioenen, de vergrijzing, de cultuurclash met de Millennials, de onmogelijkheden van de studiefinanciering en verwachtingen over de toekomst van Nederland en de rest van de wereld.

📌Help Café Weltschmerz met een donatie of adopteer een aflevering: tnv Coöperatie Weltschmerz NL23 TRIO 0390 4379 13. Https://www.cafeweltschmerz.nl/doneer