Helotes, TX -- (ReleaseWire) -- 01/06/2015 -- For months, the United States has celebrated the falling numbers of the unemployment rate. At the height of the most recent recession, the country's unemployment rate peaked at almost 10% for the country and it's reportedly down to almost 6% as of November 2014. While this seems to be something to celebrate, it's not an accurate picture of the reality of the plight of those that have been unemployed for a long amount of time or senior level executives.

The US government doesn't have an official measure to use for unemployment. They have no specific cut off time to monitor those that are unemployed and for how long. One of the largest tools being used to monitor and gauge unemployment is the application for unemployment benefits. But what happens when those benefits run out or when people stop reporting their job searches to satisfy certain programs for assistance? The numbers of those that are unemployed are jeopardized.

Traditional Employment Damaged by Age and Gaps

Unemployment happens. It's something that many people have experienced and recovered from. During those times, people are stressed and don't always know what to do. Traditionally when something happens, age and experience are things to rely on to get back into the working world quickly. In the latest recession, age and experience seemed to be damaging to those that suddenly found themselves unemployed.

During the recent recession, many companies restructured. With these changes and plans, many senior level managers and executives were laid off or terminated. Historically these positions are held by those that are over 40 or with a lot of work experience. While jobs have consistently been added, not many positions offer the same benefits package, salary or responsibility. Because of this, many of those that have been laid off from these positions have had a difficult time getting back into the job market. It's harder for them because they are often overqualified for the jobs that are available and they find it very hard to restructure their life to match the much smaller salaries they are being offered. So for those reasons, their length of time in the unemployment line is longer than those younger or with less experience.

After being unemployed for so long, older and experienced people often run out of their unemployment benefits, their retirement savings and often stop looking for employment. They stop looking because the chances for call backs after being unemployed for more than 6 months often drop to less than 45%. With that in mind, many are too discouraged to continue trying to find employment in the traditional sense.

Unemployment Reality

With so many factors working against them, there are more people over 40 or with senior level experience that are unemployed than being reported. According to the some studies done, the country's unemployment rate looks vastly different. According to some studies shown, in 2009 the rate peaked at 17% and is now at 11%. These are the numbers that include those that are over 40, displaced and with senior level management skills. While the numbers are falling, they aren't falling fast enough for some displaced and discouraged unemployed people.

The need for money doesn't end because of long term unemployment or lack of positions. Many of those that are in this position with no other alternative are finding it necessary to earn money in nontraditional and unreported ways. While long term unemployment can be a depressing thing, it can be the nudge to start a new adventure in life fully funded by self-employment.

For more information visit http://www.personalbusinessadvisors.com/

Karisa Lopez
Personal Business Advisors
PHONE: 210-200-6395 
FAX: 210-568-4439
EMAIL: info@personalbusinessadvisors.com
ADDRESS:
P.O. Box 1631
Helotes, TX 78023

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For more information on this press release visit: http://www.releasewire.com/press-releases/personal-business-advisors-discusses-the-lauded-and-the-honest-unemployment-numbers-572932.htm

Unemployment or Retirement Doesn't Mean Stop Working, Starting a Business is a Great Alternative to Both

San Antonio, TX -- (ReleaseWire) -- 11/28/2014 -- For a long time the ability to start and make a successful business go has been one of the top three ways to generate not just income, but also long-term wealth. Whole families have pulled themselves up from being wage workers or first arrivals in this country, to being leaders of established institutions by starting a business. However, this career path option is not limited to just the young. There are many opportunities where older entrepreneurs find a niche, especially when considering income alternatives after finishing a successful primary career.

There are always risks with starting a business, but it is also far easier today than it has ever been in the past. This is because of a tool which makes a huge difference in start up cost: the Internet. There has been few other ways in previous years where a business can start, develop its market, hire people, and generate significant revenue without having to have a brick and mortar location first.

When risks do occur they are frequently due to undercapitalization and underestimating 'what it takes' to get a business launched successfully. Fortunately, all of these issues can be minimized with training, education provided through proven franchising, licensing and/or distributorships models. 

The un-and underemployment rate for senior-level executives  is 42% nationwide. Age discrimination -while illegal in the U.S.- is widespread and very common in the job market today. Anyone over 40 years of age competes at a significant disadvantage -not because of age, but due to the higher cost associated with more experience. This is why opening a business is such a viable alternative. 

It takes advantage of an executive's experience, know-how, allows him or her to be independent from the volatile job market and, most importantly, in control of their own destiny. PBA is the only provider in the world focusing on these issues and former senior-level executives exclusively, We are also the only company globally which has a true 'Supermarket for Business Opportunities,' helping guide new market entries into viable and successful second careers as business owners. If this sounds like a familiar path, give a call to find out more.

About PBA
Personal Business Advisors ® derives energy and motivation by helping other Executives to succeed despite times of economic hardship and personal challenges. While assisting our Senior Advisors and clients to achieve their dreams and goals to the best of our ability, we pride ourselves in our dedication to treating everybody with respect, honesty, dignity and integrity.

Contact:
Uwe Brettmann
Chairman & CEO
info@personalbusinessadvisors.com
T: (210) 200-6395
F: 210-568-4439
E: UB@persadv.com

http://www.PersonalBusinessAdvisors.com 
http://www.ExecutiveNetworkofAmerica.com

For more information on this press release visit: http://www.releasewire.com/press-releases/pba-becomes-the-only-provider-to-specialize-in-helping-former-execs-start-a-second-career-565024.htm

Baby Boomers have found themselves unprepared for retirement. Personal Business Advisors is helping those Baby Boomers achieve their dreams despite the difficulties in the current job market.

San Antonio, TX -- (ReleaseWire) -- 11/20/2014 -- According to the Employee Benefit Research Institute, economic conditions are looking bleak for Baby Boomers looking to retire in the near future. According to the EBRI's most recent report, only 28% of retiree's are "very confident" that they have enough money set aside to live out their retirement comfortably. Consequently, about three-quarters of workers expect that they will need to still work after they "retire". This means that many of those retirees will be trying to reenter the workforce at some point in order to generate income.

For Baby Boomers, retirement seems more difficult than ever before. Not only are many companies not hiring very often, but those same companies tend to prefer employees who are younger and willing to work for less money because they are just starting out in their careers. Not only that, but medical insurance costs for everyone (including Baby Boomers) is set to increase by an annualized rate of more than 5% over the next five years, making it even more difficult for Baby Boomers to become financially secure.

This conundrum has put Baby Boomers in a serious predicament. They need to work, but traditional corporate opportunities simply are not there for them. Without access to a reliable source of income to supplement their savings and social security payments, many Baby Boomers run the risk of living out what are supposed to be their "Golden Years" in a state of near-constant financial insecurity. This is where Personal Business Advisors is creating new opportunities for Baby Boomers who want to make themselves more financially secure.

Personal Business Advisors (PBA) does not try to place Baby Boomers and senior citizens into traditional job. Instead, they find opportunities where a Baby Boomer's experience and wisdom will be valued and beneficial to the job opportunity they are being matched with.

PBA opportunities can be broken down into four main categories:

Purchase of an existing business - PBA uses their robust network, developed over many years, to match business owners looking to sell with PBA clients who want to run a business of their own. This option gives Baby Boomers the opportunity to be an entrepreneur without needing to build the business from the ground up.
 
Executive-level franchise positions - PBA also has a vast network of franchisee contacts, which they can pair with Baby Boomers who prefer the structure of a franchise business.
 
Equity and Executive Positions - This option leverages a growing trend in the executive job market by allowing PBA clients to gain the independence of being an equity partner with the income that comes with being a active executive member of an existing company.
 
Senior Advisor Role at PBA - PBA operates by putting their Senior Advisors together with their clients to determine the best option. When PBA needs to bring on new Senior Advisors, the first place they tend to look is their very own clients.
 
Even though the financial outlook is worthy of concern, there are options for those who are willing to think outside the box of traditional corporate employment.

For more information, contact Personal Business Advisors by visiting their website by clicking here

Contact:
Uwe Brettmann
Chairman & CEO
info@personalbusinessadvisors.com
T: 210-695-8340
F: 210-568-4439
E: UB@persadv.com

http://www.PersonalBusinessAdvisors.com
http://www.ExecutiveNetworkofAmerica.com

For more information on this press release visit: http://www.releasewire.com/press-releases/baby-boomers-discover-new-ways-to-fulfill-their-dreams-563544.htm