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How companies rip off poor employees — and get away with it



Already harmed by long hours and high illness rates, critical jobs battling the pandemic face a new hazard: bosses who rob their salaries.

When a recession occurs, American businesses are most likely to penalise their lowest-wage employees. These establishments often pay less than the minimum wage, require workers to work off the clock, or fail to pay overtime rates. In the most heinous situations, employers fail to pay their workers at all.

According to a Center for Public Integrity report of minimum wage and overtime breaches from the United States, employers that hire child care assistants, gas station clerks, restaurant servers, and security guards are among the most likely to be found misleading their employees. Labor Department. In 2019, the department cited about 8,500 contractors for stealing about $287 million from employees.

Major American corporations are among the worst offenders. They include Halliburton, G4S Wackenhut, and Circle-K stores, which have taken more than $22 million from their staff since 2005, according to department reports.

Their victims serve on the lower levels of the labour force. People like Danielle Wynne, a $10-an-hour grocery store worker in Florida who claims her employer forced her to work off the clock, and Ruth Palacios, a Mexican janitor who paid less than the minimum wage to clean a New York City hospital during the pandemic.

Companies had no reason to abide by the rules. According to a study of statistics from the Labor Department’s Wage and Hour Division, which reviews federal wage-theft complaints, repeat offenders are seldom penalised. The documents were accessed by Public Integrity by a Freedom of Information Act request spanning October 2005 to September 2020.

During that time, the department only fined about one out of every four repeat offenders. In only 14% of those cases, the court ordered the companies to pay workers cash damages — penalty money in addition to back wages.

Furthermore, the division also allows companies to stop repaying their employers in full. According to Public Integrity’s report, the department has let over 16,000 employers get away with not paying $20.3 million in back salaries since 2005.

“Some employers are conducting a cost-benefit study and know it’s easier to break the rule, even though you get caught,” said Jenn Round, a labour rights compliance fellow at Rutgers University’s Center for Innovation in Worker Organization.

The federal data offers an illuminating – if imperfect – glimpse at a practise that drives America’s lowest-paid jobs back into poverty. The data does not contain violations of state wage-theft regulations or lawsuits filed by workers. It also overlooks all of the employees who do not file charges, either because they are unable to or are ignorant of their rights.

Employers who steal their wages are a hazard of hard times for essential workers struggling through the pandemic. According to a study conducted by the Center for Public Integrity, businesses had no motivation to enforce the legislation.
However, some analysts believe that income fraud is so widespread that it costs employers at least $15 billion a year — much more than the amount taken in robberies.

According to Daniel Galvin, a political science professor and policy analyst at Northwestern University, companies are more likely to defraud employees of colour and foreign jobs. Based on data from the Census Bureau’s Current Population Survey, his study found that immigrants and Latino jobs were twice as likely as white Americans to make less than the minimum wage from 2009 to 2019. In contrast, black jobs were almost 50% more likely to be taken advantage of.

The federal government dismissed racial wage inequalities for most of the Jim Crow period. It wasn’t until the Great Depression that Congress attempted for the first time to establish a national minimum wage and overtime pay for workers. Northern Democrats voted to exempt farm labourers, nannies, and housekeepers from the law’s protections in order to persuade Southern Democrats to opt for the Fair Labor Standards Act of 1938. The majority of those jobs in the South were Black. A huge number of Mexican Americans lived in the West.

In Pelham, Alabama, Yuri Callejas, a 40-year-old single woman, cleaned hotel rooms at a Fairfield Inn & Suites franchise. According to a federal court lawsuit filed in January 2020, Callejas complained to her boss that he was only paying her $9 an hour when she was hired at $10 an hour. Despite the fact that she claimed to work more than 40 hours a week, she was not paid overtime, according to the lawsuit.

According to the lawsuit, her employer declined to change her pay limit, so she resigned. Her tally of what she was owed: $1,272.

Callejas sued the hotel’s owner, AUM Pelham LLC, with the assistance of an attorney from Adelante Alabama Worker Center; the firm disputed that Callejas was working at $10 an hour or that she served overtime, but it agreed to a settlement. Rakesh Patel, the company’s director, did not respond to requests for comment.

Callejas received $2,500 in unpaid pay and penalties. But it didn’t take her struggle away from her.

“I never had enough money to pay my bills,” she remembered.

According to Isaac Guazo, an economic justice activist for Adelante Alabama, less jobs have recorded wage theft since the pandemic, but this does not mean it is less common.

“Actually, it’s the opposite,” he said. “Right now, workers can endure a lot of violence because it is too difficult to find another job and they continue to pay rent.”

Ruth Palacios and Arturo Xelo, a married Mexican couple, disinfected COVID-19 patient rooms at New York’s Memorial Sloan Kettering Cancer Center. They served seven days a week for months, according to Palacios, but were not compensated for overtime. They were paid the local minimum wage of $15 per hour at the onset of the pandemic, she said, but after a few months, their supervisor reduced their wages to $12.25.

“The little guys have to stand up because people — the employers — are taking advantage of their workers,” Palacios said over the phone from her Queens house.

On April 13, Ruth Palacios and Arturo Xelo live at their fruit stand in New York’s Queens borough. Marshall Ritzel/AP Photo
In January, Palacios, Xelo, and two of their former coworkers filed a federal lawsuit against the contractor that hired them, BMS Cat. Requests for comment were not returned by the company. According to court documents, it denied paying the cleaners less than the minimum wage or owing them extra wages. The hospital also did not respond to requests for comment.

Danielle Wynne worked shifts beginning at 4:30 a.m. at a Circle-K gas station in Brevard County, Florida. It began in the early afternoon and finished in the early afternoon. According to a complaint brought in federal court in February 2020 by Wynne, her boss made her work for free both before and after clocking in. When off the clock, she counted cash in the register, brewed coffee, swept the restaurant, laid out condiments, and refilled the lottery machine.

According to the court filing, the unfinished labour totaled around $1,250 over the course of a year. That is roughly three weeks’ pay for someone earning $10 per hour.

According to court documents, Wynne did not complain at the time because she was afraid of her “vindictive” employer.

Circle-K Stores denied the claims of underpayment in legal filings, but the matter was settled for $2,500 in October. However, data from the Labor Department reveal that the organisation routinely withholds pay from its workers with no repercussion.

Circle-K stores were caught underpaying staff 22 times since 2005, most recently in February 2020, according to federal prosecutors. The gross amount is $54,069, which was taken by 120 workers. However, the Labor Department only disciplined the corporation four times and ordered it to pay employee restitution in two cases. In six occasions, the corporation did not pay any of the money accrued to workers, a practise known as back wages. Regardless, the department dismissed those proceedings without further intervention.

Multiple calls for comment were not returned by Circle-K Stores.

According to Public Integrity, Labor Department prosecutors are almost as lenient with other repeat criminals.

According to Labor Department documents, the oilfield services firm Halliburton unlawfully stole $18.7 million from 1,050 workers, but staff inspectors never forced the company to pay financial fines in addition to back salaries. Just three of the eight lawsuits brought against Halliburton resulted in a fine.

Halliburton did not respond to requests for comment on the events. However, a spokesman for the firm told Inside Energy in 2015 that it had misclassified workers as excluded from overtime pay.

“The corporation reclassified the defined vacancies, and Halliburton collaborated diligently and cooperatively with the U.S. Department of Labor to equitably remedy this situation,” wrote Susie McMichael, a Halliburton public relations official.

G4S Wackenhut and its subsidiaries, which provide security services to businesses and courthouses, unlawfully withheld nearly $3.3 million from 1,605 employees. Federal prosecutors never directed the firm to pay employee restitution and instead fined the company in nine of 47 cases, costing less than $41,000. And the fact that G4S Wackenhut ultimately compensated employers in almost all circumstances, it did not pay full back salaries on two occasions, and the Labor Department closed both cases anyway.

According to Sabrina Rios, a business spokeswoman, the majority of the money owing included G4S branches that were managed independently. She went on to say that the lawsuits do not represent the company’s best activities and that some of the proceedings date back to 22 years.

“The corporation collaborated with the DOL to review each case, and sufficient payments of approximately $3.3 (million) were made to the individuals,” she wrote.

According to a Labor Department official, the government demands businesses to pay fines where they are appropriate, which is decided on a case-by-case basis. Fines are normally imposed after a corporation violates the rule routinely or intentionally. To stop dragging employees to arbitration, the government attempts to settle lawsuits administratively.

“The department exercises prosecutorial discretion in deciding whether to litigate individual cases, based on careful analysis of our interests, finances, and mission,” Jessica Looman, principal deputy administrator for the Wage and Hour Division, said in a statement.

Nancy Leppink, former director of the Wage and Hour Division under the Obama administration, stated that the department would not have adequate attorneys to take any contractor to court if they want to pay their employees. Despite hiring 300 new agents during her term, the division only had about 787 to prosecute wage theft laws as of February.

That equates to only one investigator for every 182,000 employees protected by the Fair Labor Standards Act, much less than the one investigator for every 10,000 jobs proposed by the International Labour Organization of the United Nations.

Leppink, who is now the commissioner of the Minnesota Department of Labor and Industry, said that she pushed prosecutors to seek cash restitution for jobs in any potential federal lawsuit. For example, if an employer withholds $1,000 from an employee, the agency will seek that amount of back pay as well as an additional $1,000 in penalties.

“If what you do is earn salaries, why does a business bother complying before (an investigator) comes in?” She said.

Although the number of cases with damages increased during Leppink’s term, it never exceeded 15%, according to the report. According to Leppink, the agency’s decision to claim damages is often determined by the severity of the facts, the importance of providing employees their back pay, and the degree of noncompliance by the employer — and often simply by a lack of personnel resources.

In response to the coronavirus pandemic last year, the Trump administration directed federal investigators to cease seeking worker compensation in most cases. According to Looman, the Biden administration overturned the decision in April.

Lawyers who counsel employees in wage discrimination lawsuits said they often deter clients from making a lawsuit with the Labor Department because they seldom get monetary penalties or see immediate results. According to the agency’s reports, the average case took 108 days to investigate.

During a 2015 hearing in Philadelphia, a Temple University law professor testified before the City Council that bosses withheld jobs from tens of thousands of Philadelphia employees every week. Jennifer Lee, the scholar, was referring to the results of a survey conducted by the university’s Sheller Center for Social Justice.

“This teaches us the wage theft is not an accident,” Lee told city council members. “It’s not a few rotten apples or a few new firms that don’t grasp the law; it’s a deliberate approach by companies to increase their gains on the backs of their employees.”

The hearing aided in the passage of a municipal wage-theft bill, which helps employers to recover their money more easily than if they filed a lawsuit with the state or federal government.

The ordinance, which went into effect in 2016, gives city staff 110 days to investigate and close a wage theft case. It also allows employers three years to make a lawsuit with the county, as opposed to the federal law’s two-year statute of limitations. And the consequences are serious. Companies who loot salaries will have their municipal permits and licences revoked or denied by the city.

Legal scholars and advocacy organisations look to strict municipal wage theft legislation as an important means to circumvent weak regulation at the federal and state levels. In 2013, the city of Chicago enacted such legislation. Minneapolis will follow in 2019.

Many workers’ rights activists, on the other hand, wish to see government legislation, given that the Labor Department protects the greatest number of workers. They want Congress to increase Wage and Hour Division support so that it can double the number of agents, employ more lawyers, and take on more wage theft lawsuits. They still want congress to increase the state statute of limitations from two years to three years.

According to Leppink, Minnesota’s labour regulator, the federal government has the authority to revoke franchise licences and federal contracts from businesses with a history of wage theft.

According to Jennifer Marion, a former policy advisor for the Wage and Hour Division, the Wage and Hour Division will require employers to pay penalties in any practicable situation.

“If you know you’re going to pay twice as much as you owe,” she said, “it changes everything.”

Eileen Dover is a published author, a former award-winning journalist, and the former executive director of the South Carolina Press Association.

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Do Sympathy Cards Really Make a Difference?



sympathy cards with group greeting ecards

The act of sending sympathy cards is a time-honored tradition, a way for individuals to express condolences and offer support during times of loss. While some may question the impact of a simple card in the face of profound grief, the truth is that sympathy cards hold a unique and meaningful place in the process of mourning. Let’s explore the ways in which sympathy cards truly make a difference in the lives of those who are grieving.

1. Emotional Comfort:

One of the primary roles of a sympathy card is to provide emotional comfort. Grieving individuals often feel a range of intense emotions, from sadness to anger to confusion. Sympathy cards offer a tangible reminder that others care about their well-being, providing a source of solace and understanding during a challenging time.

2. Acknowledgment of Grief:

Grief can be a lonely and isolating experience. Sympathy cards serve as a form of acknowledgment, affirming that the pain of loss is recognized by others. This simple act of acknowledging grief can be profoundly validating for those who are mourning.

3. Expression of Empathy:

Sympathy cards are a medium for expressing empathy. While it may be challenging to find the perfect words to say in person, a well-crafted card allows individuals to convey their feelings of empathy and compassion. This bridge of understanding can foster a sense of connection between the sender and the recipient.

4. Symbol of Support:

The physical presence of a sympathy card becomes a symbol of support. Whether hand-delivered or received in the mail, the card signifies that someone has taken the time to extend their condolences. This symbol can be a comforting reminder that there is a network of support available.

5. Encouragement for Reflection:

Sympathy cards often contain heartfelt messages, words of wisdom, or quotes that encourage reflection. These sentiments can prompt individuals to reflect on the positive aspects of the life that was lived and find meaning in the midst of sorrow.

6. Tangible Keepsake:

Sympathy cards become tangible keepsakes for those who are grieving. Many individuals hold onto these cards as mementos, preserving the memories of the messages, support, and love they received during a difficult time. The cards become a lasting reminder of the connections formed in the face of loss.

7. Cultural and Traditional Significance:

Sending sympathy cards aligns with cultural and traditional practices associated with expressing condolences. Different cultures have established rituals and customs, and the act of sending a card is often deeply rooted in these traditions. It serves as a respectful and recognized gesture of sympathy.

8. Aids in the Grieving Process:

Grief is a complex and personal journey. Sympathy cards play a role in aiding the grieving process by providing external expressions of care and understanding. They contribute to creating an environment where individuals can navigate their emotions and find support along the way.

9. Shared Grief Experience:

When numerous sympathy cards arrive, they create a shared experience of grief. Knowing that others have taken the time to reach out and offer condolences fosters a sense of communal support. This shared grief experience can alleviate feelings of isolation.

10. Respectful Space for Grieving:

Sending a sympathy card respects the individual’s space for grieving. It offers support without intruding on the personal and often private mourning process. The recipient can choose when and how to engage with the sentiments expressed in the card.

11. Encourages Open Communication:

Sympathy cards can be a catalyst for open communication about grief. They prompt conversations between the grieving individual and those who care about them, creating a space for sharing memories, expressing feelings, and receiving additional support.

12. Long-Lasting Impact:

The impact of a sympathy card extends beyond the immediate aftermath of loss. The cards become lasting tokens of the support received, and individuals often revisit them during different phases of their grief journey. This enduring impact makes the act of sending a sympathy card significant.

13. Promotes Human Connection:

In an era of digital communication, the act of sending a physical sympathy card underscores the importance of human connection. It represents a tangible, thoughtful gesture that goes beyond the fleeting nature of emails or text messages.

14. Demonstrates Thoughtful Gesture:

The effort involved in selecting, personalizing, and sending a sympathy card demonstrates a thoughtful gesture. It shows that the sender has taken the time to consider the feelings of the recipient and to express their condolences in a meaningful way.

15. Encourages Reciprocal Support:

The act of sending sympathy cards often encourages reciprocal support. Individuals who have experienced loss may be inspired to offer similar gestures of comfort when someone else is grieving. This ripple effect of compassion contributes to a culture of support and understanding.

16. Navigating Cultural Sensitivities:

Sympathy cards allow for the expression of condolences in a manner that respects cultural sensitivities. Different cultures may have unique customs associated with mourning, and sending a card allows individuals to convey sympathy in a culturally appropriate way.

17. Provides a Platform for Creativity:

For some, creating or selecting a sympathy card provides a platform for creative expression. The design, words, and even the choice of materials can be customized to convey a unique message of sympathy and support.

18. Acts as a Reminder of Loved Ones:

Sympathy cards often include sentiments that celebrate the life of the departed. These messages become reminders of the impact and legacy of the loved one. They contribute to keeping the memory alive in the hearts of those who are grieving.

Conclusion: The Meaningful Impact of Sympathy Cards

In conclusion, sympathy cards undeniably make a difference in the lives of individuals who are grieving. These seemingly simple cards carry profound emotional weight, offering comfort, acknowledgment, and a tangible expression of support. They contribute to the complex tapestry of the grieving process, providing a bridge between the isolating experience of loss and the shared humanity that connects us all. Sending a sympathy card is not just a formality; it is a meaningful act that acknowledges the depth of human emotion and the enduring power of compassion in times of sorrow.

The Power of Personalized Retirement Cards

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How AI Can Help Improve Customer Service



It can be challenging for businesses to sustain their customer service game while managing costs to compete in the market. However, Artificial Intelligence can help in several ways to get customer loyalty. 

AI, the most talked-about advancement in technology, has become a useful tool in the realm of marketing. With this advanced technology, you can carry out multiple tasks to improve customer experience. For example, it gives you an insightful understanding of your customers and their needs. Moreover, it predicts the result, allowing you to make timely efforts to mitigate a problem. All of the multidimensional features of AI, in sum, allow brands to create personalized and efficient services, improving customer satisfaction. Therefore, more and more marketers are leveraging AI to enhance customer journeys. 

That said, we are going to discuss how AI can be used to improve customer service in detail. 

But before that, we would remind you that to make the most of technology and put AI to work, you need to ensure you have a speedy and reliable internet connection. If seek recommendations, Optimum is the best in the business. It offers unrivaled internet services backed by 24/7 customer support. Contact Optimum servicio al cliente en español in case you questions and queries(For Spanish customers).

Anyway, let’s dive into it!

  • Facilitates Personalization

It may sound unreal to provide a personalized experience to each customer visiting a website. Well,  AI is smart, in fact, super smart. Whether hundreds or millions, it helps you nurture leads to convert them by allowing you to provide the best customer service. 

When you use the right AI tool, you can get and analyze a large sum of customer data, including browsing habits, purchasing history, and other demographic details like age, color, location, etc. All of this information can be used to provide personalized recommendations, offering them products and services they most likely be looking for. It can help you learn patterns of customer behaviors to predict the expected moves. As customers engage with a brand, their activities are overseen to provide accurate and timely services. This makes it easier for the customer to navigate through the products and services and find the most appropriate services easily. 

  • Chat Bots- Round-the-Clock Customer Support

With people having smartphones in their hands all the time, they look up on the internet anytime and anywhere to find a product to service they may need. When scrolling through the options on a brand’s website, they may have questions or would want to contact you immediately. During that time, being able to respond to their queries could be a significant factor in converting them. But not all brands can afford to have a customer support team around the clock, right? Well, you do not necessarily need human customer support professionals if you have AI. 

Chatbots, powered by AI, can handle regular queries and can provide relevant information about the brand and its products and services. Using chatbots allows you to improve customer service by offering quick assistance. They can also assist with complex queries and can be programmed to connect to a real human if the query is too complex. Since chatbots can handle multiple conversations at a time, you need to rest assured that all the leads will get quick responses. 

  • Predictive Analytics

AI has the potential to analyze customer data by evaluating trends and patterns to help businesses predict customers’ needs and preferences. This allows you to get insights into customers’ experience behavior and needs. Moreover, it can help you identify potential customer churn. For example, you would know who is most likely to leave. Keeping tabs on these insights allows you to make efforts to retain the leaving customers. By being proactive, you can ensure that you retain your existing customers and build pathways for potential ones to be the customers. 

  • Voice Assitance

Voice assistants are powered by AI which can be used to enhance customer experience. For example, it can provide instant support and access to information to customers hands-free, making it a convenient option. Moreover, the customers can get product recommendations and reminders to take action. Therefore, they come in handy for customers to save time and effort. 

  • Automate Recurring Tasks

Lastly, AI can automate repetitive tasks, saving time and energy for customer service representatives. These may include handling common questions, processing refunds, updating customer records, etc. Automating these tasks gives customer support representatives to focus on complex issues. 

Bottom Line

AI has been the most powerful advancement in technology lately. For businesses, it is a God-sent blessing to optimize their growth and productivity while saving big. It can automate tasks, identify and resolve issues timely, and provide personalized customer experience. So, what are you waiting for? Find the best AI tools to improve your customer service!

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The Power of Personalized Retirement Cards



Retirement Cards
Retirement cards

Retirement is a time of transition, and it’s a significant milestone in anyone’s life. Retirement represents the end of a long career, and the beginning of a new chapter filled with rest and relaxation. It’s a time to celebrate the accomplishments of the retiree and to recognize their years of hard work and dedication. One way to show appreciation is by giving a personalized retirement cards. Personalized retirement cards are a thoughtful and meaningful way to express congratulations, well wishes, and appreciation for someone who is retiring. In this article, we’ll discuss the power of personalized retirement cards and provide tips for creating the perfect one.

Why Personalized Retirement Cards are Powerful

Personalized retirement cards are powerful because they are customized to the recipient. They take into account the retiree’s personality, interests, and accomplishments. A personalized retirement card is a unique and thoughtful way to express congratulations and appreciation for someone who is retiring.

Personalized retirement cards can be sentimental, funny, or a combination of both. They can include personal messages, quotes, or even photos of shared experiences. The sentiment expressed in a personalized retirement card can be a lasting reminder of the retiree’s impact on their colleagues and loved ones.

Creating the Perfect Personalized Retirement Card

Creating the perfect personalized retirement card can be a fun and creative process. Here are some tips for creating the perfect one:

Choose a personalized design – Personalized retirement cards come in a variety of designs, including traditional, modern, and humorous. Choose a design that suits the recipient’s personality and taste.

Include a personal message – A personal message is a great way to make a retirement card even more meaningful. Include a message that expresses your congratulations, well wishes, and appreciation for the recipient. You can also include memories of shared experiences or inside jokes that the recipient will appreciate.

Include a photo – Including a photo of the recipient is a great way to personalize a retirement card. You can include a photo of the recipient at work, or a photo of them doing something they love.

Consider the recipient’s interests – Consider the retiree’s interests and hobbies when creating a personalized retirement card. For example, if the retiree loves to travel, you can include a travel-themed design or a message about all the adventures they have ahead.

Examples of Personalized Retirement Card Messages

If you’re struggling to come up with a personal message to include in a personalized retirement card, here are some examples to help you get started:

  • Congratulations on your retirement! Wishing you all the best in this new chapter of your life. (traditional)
  • Enjoy your retirement, and don’t forget to take time to relax and recharge. You’ve earned it! (sentimental)
  • Happy retirement! We’ll miss your humor and hard work around the office. (humorous)
  • Thanks for being an amazing coworker and friend. I’ll never forget all the laughs we shared. (personal)
  • Here’s to the next adventure! Wishing you all the best in your retirement. (travel-themed)

Creative retirement messages

  • “Wishing you all the joy and peace that retirement brings. Congratulations!”
  • “It’s time to say goodbye to the 9 to 5, and hello to days filled with relaxation and adventure. Happy retirement!”
  • “May your retirement be filled with love, laughter, and lots of time to do the things you enjoy most.”
  • “It’s not goodbye, it’s just see you later. Enjoy your well-deserved retirement!”
  • “You’ve worked hard, and now it’s time to reap the rewards of retirement. Congratulations!”
  • “The world is your oyster, and retirement is the perfect time to enjoy it. Happy retirement!”
  • “Wishing you a happy and fulfilling retirement filled with new adventures and memories to cherish.”
  • “You’ve put in your time, and now it’s time to relax and enjoy the fruits of your labor. Congratulations on your retirement!”
  • “You may be retiring from your job, but you’re not retiring from life. Enjoy this new chapter to the fullest!”
  • “Cheers to the next chapter in your life. Happy retirement!”
  • “You’ve earned this time to relax and enjoy life. Congratulations on your retirement!”
  • “The hard work is over, and now it’s time to kick back and relax. Happy retirement!”
  • “May your retirement be as wonderful as you are. Congratulations on this new chapter of your life!”
  • “Thank you for your years of hard work and dedication. You will be missed, but we wish you a happy retirement!”
  • “Retirement is not the end, but the beginning of a new adventure. Enjoy every moment!”
  • “The office won’t be the same without you, but we’re excited for you to start this new chapter. Happy retirement!”
  • “May your retirement be filled with happiness, good health, and lots of fun. Congratulations!”
  • “You’ve left your mark on this company, and we’re grateful for your contributions. Enjoy your retirement!”
  • “Congratulations on your retirement! Wishing you all the best in this new chapter of your life.”
  • “May your retirement be filled with all the things you love most. Enjoy this well-deserved break!”


Personalized retirement cards are a powerful way to express congratulations, well wishes, and appreciation for someone who is retiring. They are customized to the recipient and take into account their personality, interests, and accomplishments. When creating a personalized retirement card, choose a personalized design, include a personal message, include a photo, and consider the recipient’s interests. With these tips, you’ll be able to create the perfect personalized retirement card and show your appreciation for someone who is embarking on a new chapter in their life.

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