Lazy Man and Money

The Most Expensive Vacation Ever?

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I’m away on vacation this week (and it is expensive), but here’s frequent contributor Kosmo with an article about his last vacation.

No, we didn’t go to Disney World.

In 2017, we made our first trip to Door County, Wisconsin.  For those who aren’t familiar, it’s the “pinky finger” on the eastern border of Wisconsin – a peninsula with Lake Michigan to the east and Green Bay to the west.  After the initial trip, we decided that we’d definitely make a return trip.  We planned a trip in 2019, but it was derailed by a family health situation.  Last year, it was postponed because of COVID.  This year, we finally made a return trip.  Even with a somewhat limited set of activities (because our 11-year-old isn’t old enough to be vaccinated), it was great.  We’ll definitely be back.

A funny thing happened.  We started looking at homes on Realtor.com.  Just goofing around at first.  What would we do with a second house?  Especially a house that’s considerably more expensive (per square foot) than our primary residence.  That’s just crazy.

Maybe?

The idea percolated and eventually turned into a new idea.  Perhaps a rental property that we use for a couple of weeks per year, plus some sporadic weekends.

Financially, we’re in a position where we could try this.  I’m 46 years old.  We have about 75% equity in our house and have a bit of money in an investment account.  We would swing the down payment and setup, and even get through some lean years with limited rentals, if worst came to worst.  I actually don’t think we’d have trouble renting a place, because it’s a very high-demand area.

The hard part

The bigger factor is the fact that we live 400 miles away.  Even if we bought something that didn’t require a lot of maintenance, trying to get things set up on weekends would cause the setup to stretch longer than we’d like.  Setting up a short-term rental takes a bit more work than setting up a long-term rental.  You need to furnish virtually everything.  Not just beds, a couch, table, chairs, and TV, but things like spatulas, corkscrews, and frisbees.  And, of course, toilet paper.  Nobody wants to check into an Airbnb and realize there’s no Charmin.

We would also have to hire a local cleaning service, as well as have some sort of arrangement with a local maintenance person to handle any acute issues that arise.  If there’s a leaky pipe on a Wednesday, I wouldn’t be able to jump in the car and go fix it, since I have a day job.  Nor could I mow the lawn every week or clear snow in the winter.  Naturally, paying locals to assist would cut into the profitability of the venture.

Does it make sense?

Of course, the venture doesn’t actually need to make a profit.  We’d be getting some personal use out of the property, plus the likely appreciation in property values.  We could lose a bit of money every year and wouldn’t cry about it.  If we could simply defray a decent chunk of the costs, that would be great.

We’re going to dip our toes in the water.  My wife (a CPA) and I are both the type to plan things.  We’re putting together a list of the furnishings we’d need, so that we can get our arms around the potential cost.  Everything from bed frames to pizza cutters.

We have a local realtor that we’ve used to buy two houses and sell one.  We’ve always enjoyed working with him.  It seems like a longshot that he’d know some realtors 400 miles away, but we asked.  Yep, he knows a couple of people.  He’s going to get their information to us today, and we’ll engage with them very soon.

Your thoughts?

Do any of you own and remotely manage short-term rentals?  What has your experience?  Is it worth the cost and effort?  Are there potential pitfalls that I should be aware of?

The Interview

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The following is from frequent contributor Kosmo who has taken us on an extensive job search journey. That job hunt was successful, but in the last article, he added a new twist to the story.

In the last update of the series, our intrepid hero had started another job hunt and had an interview lined up.  How did things turn out?

Reinforcing knowledge

Fired Cartoon

Due to the holidays, there was a two-week gap between the point where I was chosen for the interview and the time the interview occurred.  That’s a long time to think – and overthink – about things.

The first thing I did was study up on some of the finer points of documents I create as part of my current job.  In theory, these documents follow a rigid framework, with each point fully fleshed out.  In practice, some portions of the document get significantly more attention than others.  I needed to make sure I was prepared for questions on any portion of those documents.

It was a similar exercise regarding common practices in my job.  I have a tendency to lean heavily on a couple of specific methods for eliciting software requirements, but I needed to make sure that I was prepared to answer questions about any of the methods that are commonly used.

Examples

Next, I spent time building out examples for the inevitable behavior questions.  In the past year, I have been on interview panels about a dozen times.  Being on the other side of the table gave me insight into which questions were likely to be asked – as well as which questions candidates were likely to struggle with.  If a particular question created problems for many candidates, it was a question I needed to prepare for.

I cracked open Microsoft Words and started to write.  For each behavior question, I wrote up a least a couple of examples, so that I could choose the one that fit the flow of the interview the best.

Questions

It’s critical to always have questions for the interviewers.  They’ll almost always ask if you have questions.  A response of “no” is generally taken as a sign of disinterest.  You’ll want to make sure to have at least a few questions prepared.  It’s possible that the interviewer will answer some of your questions during the interview, and you definitely can’t use a question that they’ve already provided an answer for.

My interview was in five parts.  Four parts featured one interviewer and one featured four peers.  That meant preparing five sets of questions.  I spent more time in Word.  When I was finished, I had at least three questions for each section.

You can – and should – add more questions as topics arise during the interview.  But a lot of people get nervous during interviews, and it’s good to have a stock list of questions to start with.

Relax

I couldn’t spend two weeks preparing without going crazy.  I prepared until I had reached a point of diminishing returns, and then I stopped.  Relaxing was next on the agenda.

Christmas and New Year’s activities were confined to the home, due to COVID.  We played board games, including a new one – Trekking the World.  It’s a great game that I would recommend.

I also managed to find Quantum Leap on the internet.  I had been searching for in on the streaming services for a while, to no avail.  While it’s not on the pay services, it’s on the free NBC app.  It has commercials, but that’s a small price to pay.

(Editor’s Note: I’ve had great luck with finding where a show is streaming with JustWatch.com. For example, here’s Quantum Leap, available to stream on Roku and NBC.)

Interview Day

Interview day finally arrived.  Typically, this would be a half day on site, but due to COVID, it was virtual.  It was on a platform I use every day (TEAMS), so I didn’t have to figure out a new interface.  I could also decompress during breaks in the process.  Overall, a pretty relaxing experience.

The interviews went pretty well.  As always, there were a few questions that I didn’t handle perfectly, but I had a strong answer for most of the questions.  Not surprisingly, the portion of the interview with my potential peers was the toughest, but that’s also the portion that I had spent the most preparation time.

Waiting

The interview was on a Wednesday.  The hiring manager said the expected to know something by the next week, or possibly even later that week.  Like most people, I absolutely hate waiting.

The next two days passed very slowly.  At 4 PM Friday, I resigned myself to waiting until at least Monday.  At 5 PM, my phone range.  We quickly reached an agreement on salary, and he agreed to the 60% work from home.

I knocked out the paperwork over the weekend, and a few days later I had passed the background check and drug screening.

Next Steps

As I’m writing this, I have one more day of work left at my old job.  I’ve spent the last two weeks finishing up some work and transitioning the things that I’m not able to get done.  I’m a firm believer in never burning bridges – you never know when you might want to cross them again.

I start the new chapter of my life on Monday.  A brand new industry and a slightly different role.  So much to learn, and I’m anxious to get started.

Things I’m Looking Forward to in 2021

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I hope your New Year is starting off well. The following is an article from Kosmo. I’ll be spending the weekend preparing some articles to help with typical New Year’s Resolutions for next week.

2020 has been a year that many of us would like to forget.  As we finally flip the calendar, I’m looking forward to 2021 being much different.  Here are the things I’m looking forward to in 2021.

Getting Vaccinated

The COVID-19 vaccinations have begun in the United States.  I don’t have any health conditions that would put me in the highest risk category (although, like many Americans, I have hypertension), so I’ll be waiting a while until the higher risk people are inoculated.  I look forward to the vaccine causing the curve to not only be flattened, but beaten into the ground.

Hopefully, we remember the lessons we’ve learned from COVID-19.  There will be another epidemic of some sort in the future.  It might be two years from now, or twenty, or two hundred.  The next time we’re hit by an epidemic, we need to leverage what we’ve learned from this experience, rather than starting from square one.

Please do your part and get vaccinated, too.  If you have concerns, discuss them with your doctor.

Vacation

We visited Door County, Wisconsin in 2017 and thoroughly enjoyed it.  We planned a return trip to the same Airbnb in 2019, but it was derailed a family health situation.  The owner ended up refunding 100% of his portion – despite being entitled to keep half of it – and we only lost the AirBNB’s portion of the reservation.

We tried again for 2020, only to be derailed by COVID-19 this time.  We were able to use the entire amount of the trip toward a rescheduled trip in 2021.  I’m really looking forward to a nice vacation at the beach.

Kids back in school

Some kids have excelled in online school, whereas others have struggled.  My kids have excelled.  My 5th grader is in the gifted program, and my 7th grader recorded a 3.87 GPA in her first trimester.  They’ve kept in contact with friends over the phone and the internet.

Nonetheless, it’s not the experience they want.  Although they did choose online school for safety reasons, they look forward to physically returning to school next fall, so they can hang out with their friends.

I’m also looking forward to this.  Mostly, I look forward to it because it will make my kids happy.  But I’d also like to be able to attend a work audio meeting without hearing a fight breaking out upstairs.  We could use a bit less togetherness at times.

Last pinewood derby ever

My son is in Cub Scouts.  Honestly, it has been a great experience.  The one thing I dread every year is the pinewood derby.  I am not someone who is good at building things.  Trying to figure out a design that my son will like and that we can actually pull off is always a challenge.  I’m never more relieved than when his car successfully navigates the track for the third and final time.  We’re never going to win the derby – the goal is to end up somewhere in the middle of the pack.  Putting the pinewood derby in the rearview mirror will take some of the winter stress out of my life.  The Scouts, however, will remain a part of our lives.

First scout weeklong camp

My daughter is a girl scout.  She has always been shy.  For several years, we have attended the “daddy and me” overnight camp at the girl scout camp.  We have always had a great time.  I even managed to be the talk of the camp one year, when I dumped my kayak in the lake.  Most importantly, it has been a good experience for her to interact with a different group of kids and come out of her shell a bit.

Several times, we asked her if she wanted to do a solo camp for a week.  The answer was always a firm “no”.  She didn’t want to be in a group of strangers without a parent around.

After the 2019 camp, she changed her mind.  Yes, she would like to go to camp by herself.  This was a huge change.  We booked her for a 2020 camp – and then had to cancel when COVID came.  We’ll try this again in 2021.

A new job?

I have been casually job hunting lately.  I may end up with a new job soon, or I may end up staying where I’m at.  If I were a betting man, I’d bet that I’ll be starting something new in the next couple of months.

I’ve worked in the same industry for 20+ years, but many of the positions I’m looking at are in other industries.  Quite honestly, I’d like to diversify my experience a bit, so that I’m not pigeonholed into one type of work.

I’m written a full article about the job hunt, so I won’t bore you with the details.

My stamps

I began collecting stamps during the pandemic.  My initial plan was pretty straightforward – collect every distinct design through 1970, but do not pursue watermark or paper variations.  By my count, there are about 650 such stamps.

The good news is that I’ve collected about 540 of those stamps, including everything from 1941-1970.  The bad news is that many of the remaining stamps are quite expensive.  The mitigating factor is that many of these are fairly ugly postal fiscal stamps – stamps that could be used for either tax or postage.  I won’t cry if my collection ends up missing a few expensive and ugly stamps that aren’t even normal postage stamps.

The bigger problem is that my collection has expanded beyond New Zealand.  Someone in a Facebook group was nice enough to send me thousands of stamps.  All I had to do was pay for the postage.  I still have tons to sort through, but I’ve gotten exposed to enough other stamps that I’ve begun to diversify my collection.  I have an album for the USA and a smaller one for Austria, and I’m sure I’ll be adding an album or two for the countries of the world.  My goal is to collect a stamp for as many stamps-issuing entities as I can, as well as collected a few pages of stamps for countries of interest, such as Great Britain, Australia, and the Antarctic territories.

The Olympics

The International Olympic Committee postponed the Olympics when it became apparent that it would be a terrible idea to bring in hundreds of thousands of people from all over the world, have them share common spaces, and send them back to their home countries.  That would have been a recipe for a massive super spreader event.

The Olympics are, for now, scheduled for 2021.  I love the Olympics, and I’ll be glued to the TV.  I primarily watch track and field and swimming, but I’ll watch bits and pieces of many other sports as well.

What about you?

What are you looking forward to in 2021?

Another Job Hunt?

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The following is from frequent contributor Kosmo

Three years ago, I was in the middle of a job hunt.  I took you along for the journey.  I eventually landed a position about a month before my old job ended.  For those of you who weren’t along on that journey, the company decided to get rid of remote workers, and I was one of hundreds affected.

I’ve been in my current role since March of 2018, and it has been an enjoyable experience.  The work has been interesting, and I’ve worked with great people – both my co-workers and the business partners we create systems for.  I’ve even interviewed for some manager positions.  It has been pretty awesome.

A reorganization was announced a couple of months ago.  One hundred and fifty people in our IT department were laid off.  The programmer who sat next to me was one of the people affected.  I was moved to a new team and immediately went from being the top expert on my old systems to a complete novice on the new ones.  Even the potential of a manager role became less interesting as a result of the changes.  This isn’t the first reorg in recent years, but it’s the first one that has had a direct impact on me.

In the coming weeks, I lost much of the fire that had made me a dynamic employee.  The effort to handle the fallout of multiple recent reorgs is taking time away from more productive work.  It’s frustrating.  I want to do work that is difficult and challenging.  Many of my recent tasks fall short of that bar.  Eventually, I made the decision to begin a new job search.  This job search is different than the previous one in a lot of ways.

1. Urgency

My previous job search was driven by the fact that I would be losing my job on a particular date.  I left no stone unturned in an effort to make sure I had a new job by the time the old one ended.  I ended up in one of the best possible jobs.  A lot of the jobs I applied for had some serious warts. Many weren’t a great fit for my skills or had long commutes.

There is no urgency in my current job search.  Although my new area doesn’t see me as quite the rock star that my old area did (and still does – as I’m still pulled in when needed), I’m relatively safe in my position.  I can afford to take my time and wait for the right position.

2. Preparation

When I kicked off my last job search, I had been caught completely off guard.  My resume was outdated and I hadn’t done even casual job hunting in a decade.  I wasn’t even sure how the industry even referred to someone with my skill set.  It took quite a bit of time to get my resume squared away and to get my job search focused on jobs that would be a good fit.  I needed to figure out a new-fangled thing called LinkedIn.

I have made an effort to keep my resume updated recently.  Every couple of months, I pull up my resume and make relevant changes – adding recent accomplishments, new responsibilities, and any recently acquired skills.  At the same time, I also removed aspects that are no longer relevant.

3. Location

My last job search was limited to companies within an hour drive of my home.  We have roots in this area – my wife’s career is with a local organization, and we have two kids in school.  Relocating for a new job was a last resort.

As a result of COVID-19, A lot of companies have become more accepting of remote workers.  Some even advertise themselves as “remote first” organizations.  This means that geography is no longer a limiting factor.  If I can work from my dungeon basement, it doesn’t matter if the team is located in New York City, Miami, or Topeka.

The flip side of this is that the companies are also able to cast a wider net.  They aren’t limited to employees in their geographical area.  So, while there might be more potential jobs for me, there are also more potential applicants.

Overall, I see this as a net gain.  I should be able to focus on the jobs that are the best fit for my skills, instead of simply looking at the jobs that are nearby.  Being located in Iowa also gives me a cost-of-living advantage over applicants from large metro areas.

The search begins

I’m writing this on Christmas Eve.  I kicked off my job search on December 12.  How’s it going?  Well, it’s definitely starting off better than the last one.

A friend and former colleague works at a company about an hour south of where I live.  It’s a considerably smaller company than the one I currently work for, but still a company that does more than a billion dollars of business every year.  The upside of a smaller company is that there’s considerably more autonomy and not as much red tape.  In other words, more time spent on productive work.  It’s a similar position to my friend’s, but with a bit more focus on technical skills, such as a bit of minor data wrangling.

My friend – let’s call him Bryan, because that’s his name – has mentioned the position to me multiple times in the past few months.  It has always sounded like a great fit.  The reason for my lack of interest has always been the same – the commute.  A commute of an hour each way isn’t the greatest sacrifice in the world, but it’s simply not something I’m interested in doing.

I pinged Bryan a few days ago to ask if there was any chance his company was considering 100% remote candidates for this position.  No, but they were looking at 2-3 remote workdays per week.  I spent a weekend thinking about this and decided that a split of 2 days in the office and 3 days remote would be acceptable.

Bryan put my resume in front of his boss on Monday.  His boss reached out via email and we set up a call from Tuesday afternoon.  I wasn’t technically a candidate at this point – I hadn’t formally applied through the standard process.  This was probably the first time in my life where I had used my social network to gain an inside track for a position.

Interview

Tuesday’s call went well.  The position seems interesting.  I would basically be coordinating a multi-year implementation of a new HRIS (human resources information system) system.  I’ve taken a look at the vendor solution and it looks like an interesting and complex system to implement.  Lots of moving pieces.

The manager is a little bit on the fence about whether the position will require two days in the office per week, or three.  I’m pretty confident that if everything else aligns, I can convince him to do two.  The company’s location works against them in attracting candidates.  They’re located in a small city (those of you from large urban areas would call it a town), and it’s a fairly long commute from any of the surrounding metro areas.  They’re growing and want to attract high-quality candidates.  To do that, they’re most likely going to have to be more flexible on work from home.  Management is slowly coming around to this idea.  Their employees have been working from home for about nine months now, and they’re realizing that an employee who’s working from home is actually working – they aren’t just playing Mario all day.

At the end of Tuesday’s call, the manager asked me to formally apply for the position, so that we could move forward with the process.  On Wednesday, HR contacted me to set up a panel interview for the first week of January.  Things are moving about as fast as possible, considering the fact that it’s impossible to arrange interviews during the holidays, due to too many key players being out of the office.

The future

My friend won’t be a part of the interview panel.  This makes sense, as including him would compromise the integrity of the process.  He has, however, been able to give me good insight into the different roles within the company.  I’ve also asked him questions about how the company approaches certain problems.  At this point, I’m getting a lot of good answers.  Although it’s a smaller company than my current one, it seems to be well-managed.

I’ll spend a lot of time in the next week preparing for the interview – and watching football.

Post-COVID Industry Analysis

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Today’s article comes from long-time contributor, Kosmo. I added some of my own thoughts near the end.

The COVID-19 vaccine is nearly ready for prime time.  By the end of the year, the highest risk patients will be getting vaccinated.  It will probably be at least a couple of months before my wife and I will be eligible for shots, and even longer for the kids.  But at some point, things will begin to get back to normal – or as near to normal as possible.  Some industries are going to see longer-term effects and will be transformed – either positively or negatively – by COVID experience.

The winners

Delivery

Delivery services have seen a huge surge during the pandemic.  Employees of these businesses have performed a valuable service by limiting the number of people who need to be inside stores and restaurants.

My family has made heavy use of delivery services.  We haven’t been inside a restaurant since March – but we’ve had many meals delivered since then.  In fact, we’re getting fried chicken delivered in about fifteen minutes.  For us, it’s basically cost neutral when compared to dining out.  The tip for delivery is roughly the same as an in-restaurant tip.  There’s a delivery charge, but that’s offset by not paying for four drinks.  I’ll drink 50 cents worth of generic cola instead of paying $2.19 in a restaurant.  The guy who runs the dominant local delivery service is an acquaintance from our neighborhood, so it’s nice to be able to help out his business at the same time.  I’m sure we’ll continue to use delivery more – and dine in restaurants less – even after COVID passes.  The food is always hot and tasty, and it’s faster than eating in a restaurant.  Also, a restaurant is no longer blacklisted simply because one of us doesn’t like the food.  My wife and kids can get Mexican food delivered, and I can throw a Totino’s pizza in the microwave.  (Totino’s says not to microwave them, but just nuke them for 4:30, rotating once.  Almost as good as using the oven.)

Pickup

The cousin of delivery is pickup.  Not every restaurant in the area has delivery services, but many of them have pickup.  Order online and have them bring the food our to you.  Personal interaction – 15 seconds.  Even less exposure if you have them just put the back seat.

I’ve only been inside a grocery store a half dozen times since March.  Twice were because the drive-through prescription window wasn’t functioning.  If we spend $35, we can get free pickup.  Submit the order online and have a store employee figure out where everything is and get it ready for you.  Although there have been some occasions where this has ended up taking way too long (hours, in a couple of cases), it’s been a very positive experience overall.  I’m going to avoid the inside of grocery stores even after this is over – I’ll happily let someone else do the work.  This means that we’ll be doing the bulk of our grocery shopping at that store.  Prior to the pandemic, we’d mostly shopped at their competitor.  The competitor – a somewhat smaller chain – simply doesn’t have the space to allow for pickup.

We’ve also used pickup from other stores, ranging from Target to Hallmark.  Instead of dragging all four of us for a marathon Target trip, we just enter the order over the course of several days, then I run down and pick it up with it’s ready.

Digital distribution

My daughter takes private art classes.  The art studio was shuttered by the pandemic, but the business didn’t die.  The owner pivoted to Zoom classes, and also recorded a series of lessons that could be purchased individually.  The great things about the recorded lessons are that the bulk of the effort is upfront.  Her cost – in terms of labor and dollars – is nearly the same whether she sells a particular lesson to one customer or a thousand.  It also expands her audience.  You might not be free every Thursday from 7-8 PM, but you can consume a canned lesson at your leisure.  Obviously, it’s not exactly the same as a live class, and her pricing does reflect this.

It’s important for these “winning” companies to realize that although their business will remain strong in the future, it will likely slide from the current peak.  Those companies should position themselves to shrink their footprints a bit in the future so that they’re not trying to support their current overhead with fewer orders.

Neutral

Corporate-owned chain restaurants can come out of this in okay condition.  On the one hand, business is suffering.  On the other hand, many of their Mom & Pop competitors have been wiped out by the pandemic.  Even smaller chains have shuttered some of their locations.  The larger chains may have suffered losses in the short term, but when they return to full capacity, the landscape will have changed.  Not only will there be fewer Mom & Pop’s and fewer locations for smaller chains, but there will also be a reluctance for entrepreneurs to launch restaurants for a few years.  After all, there’s no guarantee that we won’t see another pandemic like this next year – or even five years into the future.  This will allow the larger chains to grow their market share.

The losers

Mom and Pop Restaurants

A lot of Mom & Pop’s have been completely wiped out by the pandemic.  Even chains with multiple locations have been affected.  A local sandwich place that served premium hot sandwiches closed.  The quasi-Italian place near my office also closed.  My office complex has a few thousand people.  It’s on the outer edge of the metro areas, without much of a residential population.  The Italian place was probably drawing about 90% of its business from my office.  My office has been shut down since March.  We’ll be working from home through at least the end of June.  Even after we do return, we’ll probably only be in the office a fraction of the time.  The restaurant’s clientele vanished overnight.

Commercial real estate

I’ve been reading the tea leaves to see what my employer will do in the future.  My best guess is that the company will strongly pivot to work from home.  Perhaps 10-20% of the time in the office.  They’ll probably use a “hotel” cube format, reduce the overall footprint, and sell off excess real estate.  I think a lot of companies will do this, particularly in areas with high real estate costs.  Why pay for a Manhattan cubicle for an employee if they can be just as productive in their hometown of Manhattan, Kansas?  In my option, demand for commercial real estate is going to plummet.

Corporate cafeteria, cleaning, custodial

My office complex has two cafeterias.  My employer contracted with a third party to provide cafeteria services.  Those people haven’t been working since March.  My guess is that we’ll only have one cafeteria in the future.

Likewise, my employer contracts with third parties for cleaning, custodial, security, and a variety of other services.  As commercial real estate goes from occupied to vacant, these industries will also take a hit.

Editor’s Thoughts

Kosmo has an interesting perspective that I never thought about with delivery services and dining. One of the main reasons I go to restaurants is to get out of the house and be part of the community. I’ve been working from home for 13 years now, and I think most people can now relate that you sometimes have to get out. My tastebuds are more of the Tortino’s and generic soda variety that Kosmo mentions in the article, so I don’t mind a difference in the food itself much of the time.

I completely understand the draw of not having to do grocery shopping. For many people, it must be great to reclaim that time. Personally, I enjoy grocery shopping. I love looking for bargains. I love doing mental calculations and comparisons. I love having “me” time away from the kids outside of the house.

I don’t know how I feel about digital delivery. It seems saturated. I’ve got an endless number of FinCon (personal finance group) talks from 10 years that I know I will never watch. I got a deal on Masterclass and I’ve only watched a little of it. My wife is very much against paying for Zoom karate classes for the kids.

My kids’ school recorded a lot of videos last year for distance learning that they can reuse again, but I don’t think they do. Khan Academy and numerous other places have online lessons. If there was a universal search engine and these got combined under one umbrella for a low price (or free like Khan Academy) it could be really useful. I believe that digital delivery is the key to providing free college in a way that doesn’t get caught up for decades of politics.

Your thoughts

What are your thoughts?  Which segments of the economy have been decimated by COVID-19, and which segments will emerge is a reasonably good position?