#HappyNewYear #2020 #NewDecade #Make2020Prosperous
The year 2020 is almost here.
Depending on how you look at it, it’s either the beginning or the end of a decade.
Logic tells us that when we count forward, we begin at 1. With that thinking, the decade starts at the year ending in 1, and ends with the year ending in 0.
It’s only when we count backward – 5,4,3,2,1,0 – as we would when watching the ball drop in Times Square,  do we assign a count to the fractions between 0 and 1.
But, when we get into numbers larger than single digits, the numbers ending in 0 have countable value. That allows some to believe the decade starts with the year ending in 0 and ends with the year ending in 9.
Regardless of how you count decades, 2020 gives us a good place to start fresh, if a fresh start is what you need.
If you see yourself as already successful, 2020 should be a continuation of your success.
If the time leading up to 2020 has been disappointing, maybe it’s time to re-evaluate. Re-evaluation starts with feelings.
If you feel beaten, you are defeated. If you are motivated to overcome adversity, you feel challenged.
Some feelings cannot be chosen. If you’ve lost a loved one, you can’t choose how you feel. Grief is usually the dominant feeling, and it may never leave you. You can’t stop grief, you can only mitigate it over time.
But if you have lost a job or a house, you can choose how you feel and, by extension, how you react.
You can choose how you start, and end, 2020.
Whether you realize it or not, you don’t have to just mitigate losses – say, by taking a job that pays much less and learning to settle for less. But you can overcome those losses and change your life.
How? You can check out one of the many programs out there that, by investing a few, part-time, non-job hours a week, you can earn an income that could match or potentially surpass any that a job would give you.
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So, if you see 2020 as the end of a decade, you can use it to set the table for a very successful new decade.
If you see 2020 as the beginning of a decade, you can start building a better life that could last you for decades to come.
It comes down to choosing your feelings and choosing your actions wisely.
You can’t expect circumstances to change without you acting to change them.
It’s not what happens to you that matters, it’s how you proceed afterward.
Some events can elicit feelings you cannot choose. Others require you to choose how you feel, and how you react.
Choose to act. Choose to overcome. Happy 2020.


#HousingCosts #AtlantaHousing #HousingInAtlanta #AffordableHousing
One thing the economy has bolstered is housing.
Purchase prices and rents are going up.
Unfortunately, for many, salaries are not going up. In some cases, they are coming down.
Atlanta Mayor Keisha Lance Bottoms has unveiled a 43-page One Atlanta Affordable Housing Plan, as reported by The Atlanta Journal-Constitution reporters J. Scott Trubey and Stephen Deere in the June 25, 2019, edition.
The mayor will have to marshal the forces of the city, state and federal agencies, as well as local businesses, developers and non-profits to make the plan work, the reporters write.
“Rents are going up in and around our city, but the increase in wages is not keeping pace,” the article quotes the mayor.
The 13 initiatives and 45 other items in the mayor’s housing plan will require dozens of pieces of legislation, which would be drafter as necessary, the article quotes Bottoms.
The plan will use $1 billion in public and private funds to create or preserve 20,000 affordable units by 2026, the article says.
The problem of affordable housing is not unique to Atlanta. Many areas, particularly those attracting new residents and businesses, are seeing housing costs go way up.
Older, lower-income neighborhoods are being redone – gentrified, if you will – making it difficult for longtime residents to continue to afford them.
It’s certainly progress to see investments to upgrade housing. Unfortunately, some residents who may have lived in a neighborhood their whole lives are getting priced out. Where do they go? It’s hard to know, but the Atlanta newspaper also reported more recently that there are many people with full-time jobs living in extended-stay motels.
It’s not an easy problem to solve and Mayor Bottoms is trying to at least make a dent in the problem in her city.
Another unfortunate thing is that the jobs that residents may qualify for are not located near where they live. That brings forth the issue of affordable transportation.
With some people living paycheck to paycheck with nothing put away for emergencies, an unexpected car breakdown can really set them back. Not only can’t they get their cars fixed promptly, they have no independent way, perhaps, to get to their jobs. It’s tough to keep a job if you can’t get to it.
Have you ever wanted to live someplace, but not be able to afford to? What if something came your way that would allow you to spend a few part-time hours a week in a venture that could augment your income, perhaps beyond your wildest dreams? If you are open to checking one of the best of the many such vehicles, message me.
Keeping a supply of affordable housing is not an easy problem to solve. Builders are constructing new housing for the higher incomes, because it’s better for their bottom line.
On top of that, because the demand is there, some of the older housing is getting remodeled, making landlords raise rents etc. It’s tough to have to make choices between food, necessary medication and housing with a limited income.
Hopefully, Mayor Bottoms will be able to pull off her vision in Atlanta. Officials in other areas have to find innovative ways to keep the cost of housing from ballooning out of the reach of many residents.


#EmergencyCash #MoneyInTheBank #breakdowns #PaycheckToPaycheck
Your (pick one: car, refrigerator, washing machine) breaks down.
To repair it would cost $400.
Do you have the cash, or could you get a loan that you could pay back quickly, to cover it?
Four in 10 Americans don’t, according to a Federal Reserve survey.
Jeanna Smialek discussed this in a New York Times article that was also published May 24, 2019, in The Atlanta Journal-Constitution.
But the economy is good, you say. Still, a lot of folks not only live paycheck to paycheck, their paychecks have shrunk since they lost their job, presuming they’ve gotten another one since. Some have not.
It creates a chicken-and-egg issue. If your car is broken down, you have to bum rides, or just plain not get to work. In fact, the Atlanta newspaper published more recently an article about the number of working people living in extended-stay motels because rents have risen so much. For some of those, car troubles have been the cause.
Yes, people are selling things to pay for emergencies, the Times article says.
Since the Fed took the survey, the article says, household finances have improved. That’s the good news. Three-quarters of adults said they were “doing OK” or “living comfortably,” up from 63 percent in 2013, the Times article says.
So YOU are not in dire straits. But, you may not be living the life you want. You may not have the job, or income you want. You see others with the things you would want, and wonder: why them, and not you?
Sure, you may be able to pay your bills, or deal with an emergency repair. But you may want something more out of life, and are not really sure what to do to get it.
The good news is that you CAN get it, if you are willing to look at things that you may not have ever thought you would do. There are many vehicles out there that can allow people to live their dreams, even with a part-time, off-work effort. To check out one of the best, message me.
It’s tough to live for any length of time without your car, or key appliances. It’s hard to deal with increasing rents when your paycheck is not increasing, or even declining.
We’ve all heard the horror stories of people making the choice between food and necessary medicine. In America, no one should have to make that choice.
Instead, you should have the choice of doing something that will better your life, regardless of what your employer wants you to do.
You don’t need special skills, education or background. You just need to be open to looking at something different.
America is, and has always been, a great country. Opportunities abound for those willing to check them out.
If you are unhappy with your situation, and think there is nothing you can do about it, think again.
Then, ask yourself this: am I seeing all my options, or am I afraid to look for, and at, them?
The next big thing may not fall into your lap, but there are definitely options that will make anyone’s life better.


#YoungAdults #millennials #GenZ KidsAndParents
It’s not unusual for a younger generation to have different priorities from their parents’.

But usually most are optimistic.

Deloitte recently released its Global Millennial Survey of 13,416 millennials (born between 1983 and 1994) across 42 counties and 3,000 Gen Z respondents (born between 1995 and 2002) from 10 countries. Most are uneasy and pessimistic, according to an article Marie Patino wrote for Bloomberg. It was also published May 21, 2019, in The Atlanta Journal-Constitution.

The percentage of respondents who think that businesses are making a positive impact dropped from 61 percent in 2018 to 55 percent this year, the article says.

In other words, many of the kids don’t trust businesses.

Only about half of those in the two groups aspire to buy a house, the article says – something that likely was a high priority for their parents when they were young.

Only 52 percent of millennials surveyed said that earning a high salary was a top priority, the article says. It’s noble to want to have a higher purpose than just making money, and money doesn’t always buy happiness. But money can help one work through adversities in style.

Incidently, 56 percent of Gen Z’ers said earning a high salary was a priority, the article says.

In China and India, the article quotes the survey, Gen Z’ers were more optimistic about the future, while youth in major economic powers were pessimistic about the world and whether their place in it will improve, the article says.

It’s fairly easy to understand the pessimism. Perhaps the young folks have seen a parent, or someone they know well, forced out of a good job well ahead of retirement.

Perhaps they’ve come out of school with slim job prospects.

Perhaps they have witnessed atrocities, like school shootings, officer-involved shootings of unarmed people, or something else that triggers pessimism.

Certainly, older generations witnessed their share of bad news, but not nearly as much of the kinds of things the kids are seeing out there.

Regardless, there is still reason for optimism.

And, if you’re the kind of person who dreams of doing something great, for whom helping others is a high priority, there are many vehicles out there that can ultimately provide the resources to take some of those worries off one’s back, while enabling that person to pay it forward to others. To check out one of the best such vehicles, message me.

Certainly, there is much to be concerned about all over the world. Nearly everyone faces adversity at some point in life.

But bear in mind, if you are a young person who is pessimistic about the world, it’s OK to dream of a world you would like to see. It’s perfectly OK to dream of a very successful life for yourself, however you define that.

You have to be open, though, to perhaps doing something you may have never thought about, or considered doing. You have to be open to looking for, or at, something that could change your outlook on life. That something could be brought to you by someone you may not expect.

In today’s world, optimism sometimes requires effort. Don’t hesitate to put in that effort. You have the ability to improve your own lives. Go for it.



#births #BirthRates #census #population
The U.S. is seeing its lowest number of births in 32 years.
So says provisional data from the National Center for Health Statistics.
A Bloomberg News article about birth data appeared May 16, 2019, in The Atlanta Journal-Constitution.
The article goes on to break down the data by race, method of birth etc., but doesn’t talk about why birth rates are declining.
There are a number of trends one could point to. Many people are postponing marriage for any number of reasons. The longer one postpones marriage, it seems, the less likely there are to be children as part of marriage.
Other data has pointed to an increase in both the number of single-person households, and the number of young adults who continue to live at home with their parents.
Also, there are money issues. College debt is at an all-time high. The more young adults owe for their educations, the more likely they will postpone buying homes and having children.
And, though the economy is considered good, not everyone has benefitted. Some younger folks have been laid off, and not been able to find work that pays what their previous jobs paid – if they have found one at all.
There are many solutions out there to the financial issues involved with the decision to have children. There are a number of vehicles out there that can enable young couples to devote a few part-time hours a week to augment – or even surpass – their incomes, To check out one of the best such vehicles, message me.
Though parents likely encourage their adult children to have children, having children isn’t for everyone.
Being a parent requires major responsibility. You not only have to support those children financially, you have to be there for them. In other words, being a parent involves lots of money and lots of time. Not everyone has the desire for and commitment to that responsibility.
It’s important, some say, that each person replace himself. The article says the birth rate is dropping below replacement levels.
So who are the future workers, if birth rates continue to decline?
First, as we now see, machines can replace humans for many tasks. Second, immigrants looking for opportunities are moving to the U.S. Regardless how you may feel personally about that, it’s reality. The need for those immigrants is plain to see these days, no matter where you look.
So how do you feel about having children? Don’t feel you have a duty to have them, regardless of how badly your parents want to be grandparents.
Have children because you really want to have children. Don’t have more children than you can afford. Try not to have “accidental” children, if you can avoid it.
There is no shame in being single, or being married without children. It’s all a matter of the kind of life best suits you.