Letters: There should be zero deaths from fire in modern buildings

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Fire suppression

It was sad to read of John Stevenson’s death attributed to a fire in his apartment. I have always given the statistic that there have been no fatalities due to fire in a building with a working fire-suppression sprinkler system, and this appears to be the case now.

The article states the fire was extinguished by the sprinkler and the dog was unharmed, however the occupant died in the hospital of fire-related injuries caused by his smoking and use of oxygen. It does not say when he died, but attributes his death to the fire.

With the advances in fire prevention and detection as well as automatic extinguishment by built-in fire protection, there should be zero deaths from fire in modern buildings.

Jan Gasterland, St. Paul
The writer is retired firefighter and building-code officer

 

Small steps for travelers

The Minneapolis-Saint Paul airport has committed to environmental sustainability with highly ambitious goals for 2030. While I believe the airports’ objectives to be lofty, their goals are respectable. Airplane passengers should be aware of these new goals and encouraged to contribute.

Airplane travel makes up a significant portion of many people’s carbon footprint, so it’s only sensible to contribute to sustainability efforts.

As a frequent patron of MSP, I often find myself falling into the convenience of products with single-use packaging, which I then feel guilty about using. While MSP has implemented many sustainability initiatives, the excessive sale of products with single-use packaging, such as plastic water bottles, is unacceptable. Travelers can take small steps such as bringing a reusable water bottle to the airport and filling it up at the fountain.

Olivia Tuisl, Minneapolis

 

Quick cognitive testing

I get a physical every year. Several years ago the doctor started giving me a test that measures my cognitive ability and whether further testing is needed. You’re told three simple words; like “table,” “season” and “leader” and asked to remember them. Then you’re given a blank sheet of typing paper and asked to draw a clock face on that paper, fill in the numbers and draw the hands to represent 10 minutes after 11. You are then immediately asked to write the three words you were asked to remember, under the clock. If you can write these three words, you get to try again next year. If you can’t remember the words or instructions, further testing is suggested. The entire process takes less than two minutes.

Jim Feckey, Mendota Heights

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Quiet quitting. RTO. Coffee badging. What this new vocabulary says about your workplace

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Samantha Masunaga and Sean Greene | (TNS) Los Angeles Times

Abygail Liera sympathized when she first read about people who were “quiet quitting,” refusing to go above and beyond at their jobs.

But it wasn’t until a few months later that she understood.

The resident of Los Angeles’ Winnetka neighborhood got a new boss and was expected to train him, but when she asked for a raise, she said she was told, “We’ll see.” Her boss discouraged open and honest feedback, making her work environment feel toxic and disrespectful.

“I remember reading it, and I’m like, ‘Damn, this sucks that people have to go through this,’ ” said Liera, 32, of the news article on quiet quitting. “At the same time, I was like, ‘Oh, I don’t know what that feels like.’ But now I do.”

Since the pandemic, work-related phrases such as “quiet quitting” or “Great Resignation” have taken over the internet — and are now part of our everyday vocabulary. Social media is filled with work-related memes and videos that describe “rage applying” or “lazy girl jobs.” People share tips on Reddit about how to effectively — and surreptitiously — “polywork,” or hold multiple jobs at the same time.

This proliferation of workplace lingo is more than a fad: It’s a viral language showing how workers are trying to hold onto the power they suddenly gained during the pandemic, workplace experts say.

After March 2020, workers were able to leverage the tight labor market to get what they want. But recent layoffs across a number of industries have shown that the balance of power between employee and employer today is, at best, a constantly tilting seesaw.

The job cuts and mandatory return-to-office policies imply that companies are gaining the upper hand on their employees, yet the persistence of hybrid work policies may show that workers have made a permanent mark on how work gets done in the future.

Employment data suggest that a growing number of people are prioritizing work-life balance in a more meaningful way or, increasingly cynical about traditional work arrangements, are tailoring those structures to work for them.

“As cynicism grows with the status-quo aspects of work, it feels like this push-and-pull between management and workers,” said Eric Anicich, associate professor of management and organization at USC’s Marshall School of Business.

“This idea of disliking your boss and hating your job is as old as time,” Anicich said. “Now we have a certain language for it, and there’s a certain way of tapping into a community of people who feel the same way that we haven’t had in the past.”

Pandemic epiphanies, burnout and coining a new term

For 10 years, Alisha Miranda juggled two careers — a 9-to-5 job in creative and digital agencies and, in her spare time, freelance journalism.

But by June 2021, she’d had enough.

Working from home during the pandemic blurred the lines between work and her personal life, exacerbating a years-long feeling of burnout. Miranda had toiled for years at her day job without receiving a promotion or a pay raise, despite indications from her managers that one was coming. She even continued working while grieving the deaths of loved ones from COVID-19. The final straw came when a large ad campaign she’d been working on was suddenly pushed back indefinitely.

“I can’t picture doing this for one more day,” Miranda, 38, remembers telling herself. “I have got to go.”

Miranda joined the historic wave of millions of U.S. workers who left their jobs in 2021 and 2022 because of high levels of burnout or “pandemic epiphanies,” in which about two-thirds of employees took a step back and reconsidered the role of work in their lives.

Add to that the increased prevalence of remote work, which finally allowed workers to have some measure of control over their schedule, and it’s no wonder there was a wave of resignations, said Anthony Klotz, an associate professor of organizational behavior at the UCL School of Management in London, who coined the term “Great Resignation.”

Klotz has spent his career studying how and why people quit their jobs. In an interview with a reporter in 2021, Klotz said he expected to see a wave of resignations after the initial shock of the pandemic. He had previously discussed his theory with his wife, describing it to her as the “Great Resignation” and just so happened to use the term in his chat with the reporter. It caught fire.

“There was this pressure that the economy was going to reopen, and everybody was going to get back to life as it was,” he said. “It gave people something to grab onto and feel like, ‘I’m not alone.’ We need a pause about what we learned here, we can’t just go back to the way things were.”

As Liera, the Winnetka resident, was grappling with her difficult work situation, her younger sister Daisy was independently having her own pandemic epiphany.

Daisy Liera quit her job during the Great Resignation and has a new outlook on work-life balance since the pandemic. (Dania Maxwell/Los Angeles Times/TNS)

The Burbank, California, resident knew she needed a reset after working for months in a pressure-cooker workplace run by a boss who seemed to have “no care about health safety measures” during the pandemic. She started getting stomachaches, couldn’t sleep at night and would count down the minutes until her lunch break or until she could leave for the day.

She quit her job, found a new one at a legal assistance organization and eventually went to grad school to focus on organizational psychology. As the daughter of immigrants, Liera said her parents’ ethic of hard work and working multiple jobs to support the family made her feel that she had to make the most of all of the opportunities her parents gave her and “use it to show that we were able to do it.”

“Prior to the pandemic, I was very like, ‘I need to get a job, I need to stay with a job, and I need to be good at my job all the time,’ which is one thing that led to my anxiety,” said Liera, 28, who now works for the city of Los Angeles. “After the pandemic and after leaving my job and going back to grad school, I de-prioritized work.”

Usually, the company is the one with power over workers because bosses can fire them at any moment. But the word “resignation” shifts that power to workers, giving them control over their own job, Klotz said. That applies, too, to other viral work phrases, such as “bare minimum Mondays.”

After Miranda, the journalist, quit her job, she went to work for a startup wine magazine. Her new colleagues were nice and “super supportive,” and the improved work-life balance meant she could focus more on freelance writing. (The magazine ran out of funding in 2022.)

Now freelancing full time, Miranda says she’s more intentional about the work she takes.

“I only want to pursue projects that are rewarding and things that I’ll be happy with, money aside,” she said.

Doing only what’s required of you, and no more

After her boss started cracking down, Abygail Liera cut back on her productivity and started typing emails at a snail’s pace or revising them six or seven times, and dialing phone numbers with extra care.

“My work ethic is going to reflect on your leadership,” she recalled thinking.

Eventually Liera’s “quiet quitting” turned into actual quitting. She left her job in December and is now looking for a new gig.

Although the job market has been discouraging, hearing from former co-workers about the problems at her old office confirms to her that she made the right choice.

The term “quiet quitting” is difficult to define, said Yongseok Shin, an economics professor at Washington University in St. Louis. Although some interpret it as a way to increase work-life balance, others define it as a way to recoup unpaid or unappreciated hours of service.

Intrigued by the viral term, Shin and his colleagues conducted research on whether the number of hours employees worked contributed to the tight labor market.

In his research on the phenomenon, Shin and colleagues found that from 2019 to 2023, workers voluntarily reduced the number of hours they worked. In that time, the average employed person worked about 31 fewer hours per year. This came after employees had spent the previous six years working an average of 17 extra hours per year.

The reduction was greater among educated men in their prime, who worked an average of 44.3 fewer hours per year over the same time period. Women reduced their working hours by an average of 14.6 hours per year, on average, a consequence of gender disparities in caregiving responsibilities.

In essence, these workers were reducing the intensity of their work and reassessing their relationship to their jobs, whether it was cutting back on weekend hours or potentially decreasing their work in response to a lack of appreciation at the office, Shin said.

“These people can afford to do this because they’re valued employees,” he said. “But if your bosses work fewer hours, that’s good for everybody, right? If your boss is less of a workaholic, other people in the organization will feel more comfortable working fewer hours.”

But don’t mistake this for a nationwide shift in work-life balance. Shin said the U.S. has a long way to go before catching up with countries in Europe, which champion more generous benefits such as paid family leave, sick leave and vacation.

The battle over remote work continues

After Bryan Wilson was laid off from his job in higher education, he pivoted full time to audio production — a choice that allowed him to work from home for the first time.

The flexibility was game-changing. He and his wife were able to split child-rearing responsibilities for their two kids while also spending more time together, planning meals and eating healthy. Remote work also allowed Wilson, 39, to apply for more jobs outside the limits of his Auburn, Alabama, home, where audio jobs are few and far between.

“There is relatively no market for audio production outside of major cities,” Wilson said. “I want to do this work because I’m really good at this work, and this is work I love, but where do I find it? During the pandemic … it was really easy to find that work.”

No pandemic-era office battle has been as fierce as that between the work-from-home and return-to-office camps. And 2024 doesn’t look like the end of it.

Last year, a group of economists published a paper in the National Bureau of Economic Research tracking millions of online job listings and whether they permitted remote or hybrid work.

Before the pandemic, the share of U.S. job postings that said new employees could work remotely one or more day per week was less than 4% in 2019. Over the next three years, that share would triple, according to the latest available data on the researchers’ website, WFH Map.

While census data show the number of employed people working remotely began to fall in 2021, a “new normal” of remote and hybrid work has emerged, said Peter John Lambert, an economist at the London School of Economics and co-creator of WFH Map.

Based on job postings and survey data, Lambert said he sees no evidence that hybrid work will soften in the coming year.

“Both employers and workers seem to find this partial flexibility to be the best of both worlds, providing flexibility to workers but allowing for in-person teamwork during on-site days,” Lambert said. “While workers learned this quickly, it has taken business a bit longer to realize the huge benefits to offering workers flexibility.”

Right in the middle of this is the term “coffee badging,” which was popularized by video conferencing company Owl Labs and describes a way for employees to meet their in-office mandate but spend as little time as possible in the workplace.

According to the company’s report, 58% of hybrid workers say they are already “coffee badging,” with an additional 8% saying they’re interested in trying it out.

For Wilson, as interest rates shot up and layoffs roiled media companies, those remote audio production opportunities dried up. Wilson currently works two part-time jobs in audio, which is not enough to keep him out of debt. He’s now looking for local, in-person jobs while he finishes certifications in tech and cybersecurity, a field he picked, in part, because of its prevalence of remote work opportunities.

He’s curious whether the ubiquity of remote work will return when the economy improves and companies again face pitched battles to attract new hires.

“That, I think, will be the real test of whether remote work can be normalized,” Wilson said. “When the money is flowing again … will they be offered remote jobs? I’m definitely going to keep my eye on that.”

When one job of $150,000 is not enough

Since the pandemic began, wealth advisor Fernando Reyes has been hearing from clients that they were taking on second or even third jobs.

It’s not a novel concept — people have always worked multiple jobs to make ends meet. What’s new is that Reyes’ clients were highly paid aerospace workers, tech employees and mortgage brokers, people who earn annual salaries ranging from at least $150,000 to $400,000. Although their salaries seem high by any measure, these clients said they needed to take on additional work to help pay mortgages or send their kids to college.

Working an additional 20 to 30 hours a week can provide an extra $50,000 to $60,000 of household income, Reyes said. Today, he’s seeing higher rates of polyworking than ever before in his 20-year career.

“What used to be a comfortable income now is not so comfortable anymore,” said Reyes, who works for EP Wealth Advisors and is based in Torrance, California. “You’re seeing more educated people doing this, more tech workers, more people with college degrees, master’s degrees, doctorates even.”

According to U.S. Census Bureau economists, rates of multiple jobholders have increased over the last two decades.

A 2020 analysis found that, on average, 7.2% of workers held more than one job between 1996 and 2018. In that time period, the rate of multiple jobholders increased by 1 percentage point, to 7.8% of all employed people at the beginning of 2018.

The trend was influenced by economic fluctuations: People were less likely to hold multiple jobs during recession.

The rise of remote work since the pandemic has also changed the calculus for many workers — if they don’t have to commute to an office, adding another, typically contract, job is much easier. Oftentimes, the employers don’t know their shared employee is moonlighting.

Sometimes, the impetus for a second job is the state of the economy. One mortgage loan worker Reyes knows went from earning more than $1 million a year to making $40,000 last year as home sales and refinancing cratered amid the hike in interest rates.

“People have to live,” Reyes said. “Everybody wants to buy a home, everybody wants to buy a car, everybody wants to go to school, everybody wants to take a vacation. How do you pay for it all?”

For the majority of multiple jobholders, their side gigs made up about 25% of their total income, according to the Census Bureau analysis of Longitudinal Employer-Household Dynamics data. For lower earners, the share was closer to 30%. Surprisingly, high-earning polyworkers — those making at least $113,200 in 2018 — brought in a fourth of their earnings from second jobs.

Financial adviser Lazetta Rainey Braxton encourages her clients, particularly those from underrepresented backgrounds, to polywork and diversify their income streams. She noted the racial and gender pay disparities that plague many workers, such as Black women earning about 62 cents to the dollar compared with white men.

“We’re starting at a deficit, right? If we commit to just one institution, and know we’re already behind 38 cents, we’ve got to do polywork to make up the 38 cents,” said Braxton, founder and chief executive of Lazetta and Associates. “And if we don’t, the wealth gap is going to continue.”

©2024 Los Angeles Times. Visit at latimes.com. Distributed by Tribune Content Agency, LLC.

Managing credit cards when you grew up in a cash-only household

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By Sara Rathner | NerdWallet

As you’re growing up, you learn about money from the people who raise you. Their lessons are based on their life experiences, which means there’s likely some bias built in.

That’s not necessarily a bad thing — you may have a savvy aunt who taught herself to manage her own money after a divorce, or a parent who cautioned you about debt because they struggled to pay down theirs. Hearing their stories can spare you from making financial mistakes. Even with all that history, though, you’re likely to make some financial decisions that will cause your relatives to wince.

Credit cards in particular can be a touchy subject in families where older generations avoid them out of the fear of costly debt, while younger generations embrace them for their rewards and convenience. Managing credit cards when it feels like you’re being “bad” can be difficult. Still, it’s totally OK to forge your own financial path based partially on family lore, and partially on your own goals and experiences.

Approach credit cards with care

If you’re a first-generation credit card user, it’s essential to understand how they work — this includes learning about the types of credit cards available, how you’re billed and what happens if you get into debt. Beware of common credit card myths, like the idea that you should carry a small balance from month to month because it’s good for your credit score (there’s no need to pay interest for the sake of your credit score).

Start by using your first credit card for a basic expense or two each month, and be sure to pay the entire balance when it’s due. You can still use cash or a debit card for some expenses, and a credit card for others.

Gloria Garcia Cisneros, a certified financial planner in San Diego, recommends using technology to help you manage your card. Automate payments to avoid missing due dates, and take advantage of apps that track spending so you don’t have to do so manually in a spreadsheet, she says. Also, create the habit of checking your credit card statements each month to review your spending, and avoid saving your credit card information on merchant websites so you’re less tempted to make impulse purchases.

Credit cards are more than a way to spend — they can help you establish your credit history, provide extra protections on purchases and can earn rewards on your everyday spending. Used carefully, credit cards can be a tool that helps you move toward other financial goals.

Lea Landaverde, the founder of the Riqueza Collective, a bilingual financial education and media company, learned this at the age of 18, when she realized she first needed to build her credit history to qualify for a rental home. “I had to learn how a credit card could benefit me.”

Examine the origins of your credit card beliefs

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The messages you tell yourself about credit cards were installed in your mind long ago by loved ones who modeled certain behaviors. Credit card-related misconceptions and beliefs get passed down in families, especially when previous generations lived through difficult times. “When parents say debt is bad, they’re coming from a place of fear or trauma,” Landaverde says.

Garcia Cisneros was raised by her grandparents, who had widely different attitudes toward credit. “My grandpa was so against credit cards. He was like, ‘Cash under the mattress, cash is king,’” she says. Meanwhile, her grandmother not only used cards, but also maxed them out. “I didn’t know which one was right or wrong. When I got my first credit card, it was an emotional, impulse decision.”

Even if you’ve been financially independent for years, it’s hard to turn off that voice in your head that repeats relatives’ money beliefs that don’t match your current lifestyle. You can recognize why certain loved ones are credit card-averse, and use that family fear of debt as motivation to manage your credit cards thoughtfully.

Set boundaries with loved ones

Beware of family members who see your credit card as their funding source because they don’t understand how their actions can affect your credit. Garcia Cisneros is willing to help her family financially, but she has learned to set limits after a relative used her card while on vacation. Now, she only provides money for emergencies in the form of a loan with interest.

Celebrate your progress

As you become more confident with your credit card use, keep an eye on your credit score and pat yourself on the back when you see it go up. After all, you’re not just managing your credit card wisely, you’re creating an entirely new money mindset.

If you make a mistake or have to deal with an emergency expense and get into debt, it doesn’t have to derail your money goals forever. “You can start over,” Garcia Cisneros says. “You always have tomorrow.”

This article was written by NerdWallet and was originally published by The Associated Press.

 

Sara Rathner writes for NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner.

Column: Keeping Jaylon Johnson is paramount for the Chicago Bears — but will they make him the NFL’s highest-paid cornerback?

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Teams with an abundance of salary-cap room first look to invest in their own players. It’s always more sound to build from within than to chase veterans in free agency, where teams wind up overpaying for players who, in many cases, are available for a reason.

The Chicago Bears head into a seismic offseason with a healthy cap situation. They have the eighth-most “effective cap space,” according to overthecap.com, at $36.6 million. Effective cap space takes into account where a team will be after it has met what’s called the “Rule of 51,” for offseason bookkeeping purposes, and signed its projected rookie class. For the Bears, that includes the first and ninth picks in the draft.

The Bears’ figure is expected to rise. Releasing free safety Eddie Jackson and offensive lineman Cody Whitehair would create an additional $21 million in cap room. So general manager Ryan Poles has more than enough flexibility to accomplish his goals for the next phase of roster construction.

That process figures to begin with negotiations to retain cornerback Jaylon Johnson, who was voted to the Pro Bowl Games and was a second-team All-Pro after a banner season that included a career-high four interceptions.

“Jaylon’s not going to go anywhere,” Poles said last week, a sure sign the Bears are prepared to use the franchise tag if they’re unable to hammer out a multiyear contract before the window closes. Teams can apply the tag from Feb. 20 through March 5.

The franchise tag for cornerbacks is expected to be about $18.8 million in 2024, and that would set a floor for contract negotiations and buy another five months to work out more than a one-year deal. The Bears have used the franchise tag twice in the last decade — on wide receivers Allen Robinson in 2021 and Alshon Jeffery in 2016 — and placed the transition tag on cornerback Kyle Fuller in 2018.

Johnson is aiming to become the NFL’s highest-paid cornerback, a distinction currently held by Jaire Alexander of the Green Bay Packers or Denzel Ward of the Cleveland Browns, depending on how you measure it.

“The ball’s in my court, the ball’s in my favor,” Johnson said Wednesday when he appeared on the Fox Sports podcast “All Facts No Brakes” with Keyshawn Johnson. “I think it’s just a matter of time and when it happens. Going into the negotiations I don’t think there’s too much to try to talk about.

“I feel like there’s no reason why I can’t be the highest-paid corner in the league. That’s what I’m aiming for. That’s what I’m shooting for. That’s what I think can be done and should be done.”

Alexander received a four-year, $84 million extension in 2022, with the average annual salary of $21 million setting the bar atop the market. That same year, Ward got a five-year, $100.5 million extension ($20.5 million average) with a record $44.5 million fully guaranteed. Jalen Ramsey of the Miami Dolphins is the only other cornerback in the $20 million club in terms of annual average, having signed a five-year, $100 million deal in 2020.

Two years after the Alexander and Ward contracts, with Johnson having bet on himself, it stands to reason he is shooting to reset the market considering his performance and accolades and the rising salary cap. Whether he gets there remains to be seen.

Poles was reluctant to consider a market-setting deal for inside linebacker Roquan Smith in 2022. While he hasn’t spoken specifically about numbers for Johnson, cornerback is considered a more premium position and the Bears could maintain a strength by retaining Johnson with developing second-year cornerbacks Tyrique Stevenson and Terell Smith and third-year nickel back Kyler Gordon.

The cornerback market took a slight dip since Alexander and Ward were paid, but that probably had more to do with the available talent than a shift in thinking about positional value and budget allocation.

Some defensive coaches place a greater premium on cover men than pass rushers with the philosophy that it’s easier for offenses to scheme around a defensive end than an elite cornerback, especially one who isn’t a liability against the run.

That’s not to say you can play great defense without top-tier edge rushers — you can’t. It all goes hand in hand, but if forced to pick an elite cornerback or an elite edge rusher, some coaches would go with the guy who can mirror top-tier wide receivers.

That’s why it is paramount the Bears keep their talent. Johnson turns 25 in April, and he’s only eight months older than Gordon despite having two more years of experience.

The Bears love Johnson and his makeup, and he’s wired exactly how you want a cornerback to be with a desire to face the best receiver every Sunday. The only issue they will have when considering whether to make him the highest-paid cornerback in the league is durability. He missed three games this season, including the finale against the Packers when a minor shoulder injury sidelined him. He missed six games in 2022, two in 2021 and three as a rookie.

That doesn’t take away from what Johnson accomplished this season, meeting the challenge of delivering more on-the-ball production. It’s important to recognize Johnson was having an elite season before Poles acquired defensive end Montez Sweat at the trade deadline. So it’s not like his ascent was the result of a suddenly enhanced pass rush.

The front office has a lot to work through with its attention being pulled in many directions. The Bears need to fill out Matt Eberflus’ coaching staff while preparing for free agency and draft meetings.

Confidence should be high that the Bears will resolve matters with Johnson, but it could take some time. The last three players on whom the Bears used the franchise tag — Robinson, Jeffery and defensive tackle Henry Melton (2013) — played out their one-year deals. The Bears secured running back Matt Forte with the franchise tag in 2012, ultimately leading to a four-year contract.

The goal with Johnson has to be a multiyear agreement.

“We’ll work through it and get something done,” Poles said.

It’s a matter of how high the dollars — and more importantly the guarantees — go.

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