KLD - UnemploymentWhen becoming unemployed from IBSI I Immediately defined this plan:
- Intensify the already started application campaign.
- If within 9 months (until march 1995) I do not get a new job , switch over
to the preparations for self-employment, but still continue applying for jobs.
This was not only necessary to continue the income from the unemployment insurance, but also to establish contacts to potential customers.
- Set up a business plan with the aim to start self-employment beginning 1996.
- Your last salary usually is higher than that of of younger person, because you occupied some sort of higher ranks, and salary contains a 'social' part to cope with your responsibility for a family.
- In technical areas the experience has not the same value as in social professions. Due to the half decay time of knowledge a 35 year old may well have the same knowledge as a 55 year old.
- The Swiss Pension Fond BVG (Betriebs-Vorsorge Gesetz) uses a rate which grows with your age... Hence the 'security' part of your salary (including that part the company must pay directly) grows from 6% (age 25) to 20% (age > 55).
To keep expertise I looked for small jobs during the time of unemployment and got the first in October 1994 from former colleagues. Various projects for companies as diverse as IBM and EUnet provided a nearly continuous stream of work (although not sufficient income). In my opinion this demonstrated the feasibility of free lancing.
A course about "how to start free lance work" led to a detailed budget and further activities. At the end of 1995 I incorporated my company Docu + Design Daube.