NEW YORK (CBSNewYork) — A real estate company is tracking a growing trend — more people moving into New York City at a more mature age.
Some are even deciding to retire here.
CBS2’s Raegan Medgie spoke with one woman who decided to leave the suburbs for life in Manhattan.
Robyn Eckhaus moved into the Upper West Side in August from the suburbs of Westchester County, and she hasn’t looked back since.
“To me, the most important connection in my life, among others, are my two daughters — I have two girls, Samantha and Alexa, 27 and 25,” she said. “And they both live in Manhattan.”
Eckhaus said she recently got divorced and realized, “you know, having worked full time raising my family, I feel like this is a little bit of a my journey and my time to explore.”
Joan Kagan, the director of sales for Triple Mint real estate in Midtown, said Eckhaus’ move from the suburbs isn’t that rare.
“A number of years ago, I noticed a trend that a lot of my friends were calling me to refer their parents to me,” she said. “You have to make sure the snow is shoveled, you have to make sure the grass is mowed, and guess what? When you live in the an apartment in the city, you’re not responsible for any of that.”
Eckhaus is in her early 50s, but said living in the city is like the fountain of youth.
“There’s so much entertainment here, there’s so much culture,” she said. “The symphony, the off-Broadway shows, I mean there’s anything that anybody could want. It’s limitless.”
One big factor to keep in mind when looking for a place in the city is space, or lack of it.
“You have people who — if you have a basement and lots closets, you just won’t have that here,” Kagan said.
Kagan said many people sell their homes and have that money, but real estate is very expensive in the city.
“A lot of financial planners advise retirees to rent instead of buy, because once they sell their homes, they have a lot of liquidity, and it’s good to have that liquidity in retirement,” she said.
Ekhaus is renting and enjoying all the Big Apple has to offer.
“I think it’s a great place for me to be, right here, right now,” she said.
For those looking to live in a co-op, experts say co-ops can be really strict with financing and want to see a 25 percent debt-to-income ratio. Renters are also held to similar standards. Often they’re advised to pay the first year’s rent up front.

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HONOLULU — As traditional commercial fishing is threatening fish populations worldwide, U. S. officials are working on a plan to expand fish farming into federal waters around the Pacific Ocean.
The government sees the move toward aquaculture as a promising solution to overfishing and feeding a hungry planet. But some environmentalists say the industrial-scale farms could do more harm than good to overall fish stocks and ocean health.
The National Oceanic and Atmospheric Administration is creating a plan to manage commercial fish farms in federal waters, the area of ocean from three to 200 miles offshore, around Hawaii and other Pacific islands.
The program is similar to one recently implemented by NOAA in the Gulf of Mexico. The farms in the Gulf and the Pacific would be the only aquaculture operations in U. S. federal waters, though there are smaller operations in state waters close to shore.
Fish farming has been practiced for centuries in Hawaii and around the world. But modern aquaculture, some environmentalists say, carries pollution risks and the potential for non-native farmed fish to escape and enter the natural ecosystem.
Most shellfish consumed in America comes from farms, and their methods are widely considered sustainable. However, some farms that grow carnivorous fish such as salmon have raised concerns about sustainability because they use wild-caught fish to feed the captive species.
There are three ways to farm fish: fully contained land-based systems that pump water in and out with little, if any, environmental impact; near-shore operations incorporating natural and man-made elements; and off-shore farms.
Former NOAA chief scientist and founder of ocean advocacy group Mission Blue Sylvia Earle said there are more environmentally sustainable and economically viable options than open-ocean aquaculture, which uses huge floating net-pens or submerged cages. “We have to make a choice with aquaculture,” she said. “Is our goal to feed a large number of people? Or is our goal to create or to serve a luxury market?”
Last year, NOAA and the Scripps Institution of Oceanography put an economic value of $17 billion a year on the ocean off the west coasts of North and South America. That includes $4.3 billion from commercial and sport fishing and $12.9 billion for the capture of carbon.
Earle said the ocean is worth more, and no dollar figure can be attached to keeping the ocean, and in turn humans, healthy. “We now have recognition of other values of the ocean beyond what we can extract either for food or for products,” she said.
New technologies are being developed for open-ocean aquaculture, and many U. S. companies are sending their crews overseas to farm, according to NOAA officials.
“The U. S.’s view is we’d rather have these U. S. companies pursuing these opportunities in a sustainable, environmentally sound way in the U. S.,” said Michael Tosatto, NOAA’s National Marine Fisheries Service regional administrator.
The NOAA plan would create a regulatory and permitting scheme for the industry. “It’s reasonably common knowledge that the environmental laws are less where aquaculture occurs the most, (that) being China and other Southeast Asia countries,” Tosatto said.
Many foreign operations have U. S. companies supplying the breed stock, then the fish are grown and sold back to the U. S. as imported seafood. U. S.-farmed fish in 2014 was valued at $1.3 billion, Tosatto said, and constitutes 19 percent of the nation’s seafood production. That amounts to only 1 percent of the global farmed product.
NOAA has been trying to establish an aquaculture industry in federal waters for many years. But attempts to get legislation to implement open-sea aquaculture have failed.
“And so (NOAA) moved into the fishery management process … as a means to move forward with ocean aquaculture under the radar of the public,” said Marianne Cufone, executive director of the Recirculating Farms Coalition. NOAA received input from thousands of people during a public comment period last year on its plans.
Cufone’s New Orleans-based organization has been developing land-based aquaculture systems that are fully contained. Cufone says these types of farms are more sustainable than ocean aquaculture, and Earle agrees.
“Controlled systems are the most promising,” Earle said. “I personally am wary of the open-ocean approach to aquaculture.”
Meanwhile, NOAA says researchers off Hawaii’s Big Island are studying ways to make open ocean farming safe and efficient. They are studying different techniques and species to better understand problems the industry could face.
Native Hawaiians have long practiced sustainable aquaculture. They build walls around shoreline areas, allowing fresh water from the mountains and salt water from the ocean to flow in and out. Fish enter through slotted gates, and can’t get back out. The ponds are monitored to make sure they are healthy, mimicking nature.
“Our ancestors, they could … sustainably feed themselves no problem,” said Luka Mossman, a Native Hawaiian who grew up working on a traditional fish pond and is now helping study and restore such ponds with the nonprofit environmental group Conservation International.
“You constantly watch how the natural system works, and you adapt to that. You don’t try and adapt the natural system to work for you,” he said.
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Jan Badenhorst
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What can I study without matric? 06 January 2017, 11:08
What Can I Study Without Matric?
Want to study a course you don’t need Matric for? Here is a list of distance learning courses you can study without matric:
Bookkeeping and Accounting Studies
Policing, Forensics and Investigation Studies
Office Administration and Secretarial Studies
Business Management Studies
Beauty Therapy Studies
Occupational Health and Safety Studies
Project Management Studies
Computer and IT Studies
Child Day Care Studies
Office Work Skills Short Courses
How can I study without a matric certificate?
Some people think that without a matric certificate you cannot study further, or get a decent job. That thinking is wrong.
Academically matric is a qualification on NQF level 4. And there are many courses you can study that are also accredited on NQF level 4. They won’t give you a matric certificate, but they will give you an accredited, recognised alternative qualification. And you can use them to study up to NQF level 6 (National Diploma level).
The entry requirement to these kind of qualifications are that you must be older than 16, and that you must have completed your Grade 10. You must also be able to read, write and understand English, since the courses are offered in English.
Many of these alternative courses of study are much better aimed at a career or job, than matric. Matric does not prepare you for any specific job. It is really just an entry to further studies.
I work for Skills Academy. We offer career-focussed training via distance learning for people who have not completed their matric. And for people who did complete matric, but they cannot gain entry into a university or college.
How can I study without Mathematics?
When you start a course at NQF level 3 (one year lower than the matric academic level) then you don’t need maths to gain entry to the course. If the course includes maths, then it starts at a Grade 10 or Grade 11 level.
So, you don’t need matric mathematics to start one of these courses.
Work-related studies
When you start looking for a job you will get to understand what employers are looking for in the real world. Your life experience, real work experience, and qualifications and skills that you can immediately use in your job, are critically important.
In this situation you will find that your career-related studies are sometimes more valuable to an employer than a theoretical qualification. The career-related courses are often more focussed on real business problems and how to solve them.
Professional institutes
With professional institutes like the ICB (Institute of Certified Bookkeepers) and CIMA (Chartered Institute of Management Accountants), you can achieve high level, and highly recognised qualifications. These qualifications make you employable and can get you promoted if you are already in a job.
These professional institutes have ensured that their qualifications are fully accredited. And they have in their turn accredited educational institutions to offer their courses. In the world of work these qualifications can mean more than a degree.
Private education
South Africa has many private educational organisations. Some offering Higher Education (degrees) and some offering qualifications in the FET or TVET band. Ironically private education once you leave school tend to be less expensive than going to a university.
And you can study full-time, part-time or via distance learning.
Private education has to give you good service because they are not subsidised and they want your business.
Distance learning
For working adults who must work and study at the same time, distance learning is a viable option. It is also becoming a solution for students who want to study full-time, but who were refused entry at full-time educational institutions.
Scarce skills
Scarce skills are careers where we have a shortage of trained people.
This includes careers like: Trainee Accountant, Debt Collector, Finance Manager, Management Consultant, Office Administrator, General Accountant, General Clerk, Accounts Clerk and Payroll Clerk.
These jobs have been recognized by FASSET (the SETA for Finance, Accounting, Management Consulting and other Financial Services), in their Scarce Skills Guide 2015.
What certifications can you study to a scarce skill?
You can start an ICB ( Institute of Certified Bookkeepers ) certification at below-matric level. So entry to the course is easy. The ICB offers a series of Bookkeeping, Accounting, Office Administration, Business organization Studies and Entrepreneurship qualifications.
These certifications are recognized by FASSET. And in South Africa you will find that most big companies recognise ICB qualifications.
The ICB certifications are provided by home study colleges and academies. This makes it accessible to full-time students, as well as to working grownups who need to study while they also have a full-time profession in the daytime.
About the Author:
Jan Badenhorst works as the CEO of Skills Academy. Skills Academy offers Home Study Courses to people who never completed Matric, or who cannot get entry into Universities.
Www.skillsacademy.co.za
Jan@skillsacademy.edu.za
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The ” Fast Money ” traders weighed in on which stocks to buy as the Dow Jones industrial average neared 20,000 on Friday — coming within 1 point of the psychologically-significant milestone.
Trader Brian Kelly shocked the desk by revealing he bought more Tesla shares on Friday. The reasoning behind the trade, he said, is that Tesla isn’t a “car company. ”
Kelly explained that Tesla represents a “bigger-picture play” where the stock will benefit from the “decarbonization” of the electric grid—or the shifting away from the use of fossil fuels to generate electricity. Trader Guy Adami agreed that Tesla’s stock has “a lot of room to the upside. ”
Shareholders from Tesla and SolarCity both approved a merger between the two companies, with Tesla paying $2.6 billion to acquire the struggling solar energy company. At the time, Tesla said it expects SolarCity to add more than half a billion dollars in cash to Tesla’s balance sheet over the next three years.
Trader Steve Grasso said he hasn’t been picking individual stocks lately, instead deciding to invest in broad ETFs. If pressed to pick an individual stock, he said Amazon is an attractive choice because of its upcoming earnings release on Feb. 2.

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(CBS) — Stocks closed higher Friday after hitting all-time highs earlier in the session as investors sifted through a mixed government jobs report.
The S&P 500 gained 8, the NASDAQ added 33 and the Dow Jones Industrial Average closed up 64 points, settling to 19,963.
“The market started out a little weak, but then buyers came in … and then later strengthened as the day went on,” says Chuck Carlson, CEO of Horizon Investment Services.
He also noted that regional banks, financials and the tech sector look poised to move higher over the next year.

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