#weddings #WeddingCosts #LifeExpenses
The average U.S. wedding cost $35,329 in 2016.
So says The Knot’s Real Weddings Study, and quoted by NerdWallet columnist Brianna McGurran.
In a column published April 2, 2017, in The Atlanta Journal-Constitution, a 25-year-old questioner asked McGurran how she was going to plan a wedding, and pay off her student loans by age 30.
She advised her to sit with her fiance and get their financial house in order. Determine how much they can save per month toward the wedding, and don’t go into debt to cover those costs. Then, McGurran advises the couple to talk to their parents or other family members to see what they intend to contribute.
Couples themselves covered 42 percent of wedding costs in 2016, McGurran quotes The Knot’s study.
She also advised the future bride to budget for the must-haves, and don’t include what doesn’t matter to the couple, such as flowers. She also recommended saving money by having friends provide services and homemade wedding gifts in lieu of actual gifts.
A bride in California got the cost of her 150-person wedding down to $23,000 in 2013, McGurran writes.
Meanwhile, Danielle Braff writes in the Chicago Tribune that there are hidden wedding costs that a couple may not learn about until the wedding day. Those include tips, overtime (for a reception extended past the paid-for time), fancy liquor not covered in typical bar charges, postage (McGurran recommends getting RSVPs on line to save there), taxes (not mentioned in the costs) and dress alteration.
Braff’s article was published in the April 3, 2017, edition of The Atlanta Journal-Constitution.
So, we’ve learned that getting married can be expensive. There’s nothing wrong with wanting a nice wedding. After all, the gifts a couple can collect may offset some of the costs, providing they are gifts the couple wants.
But once a couple has decided on marriage, the two should discuss not just wedding costs, but life costs. They should give priority not necessarily to a wedding, but how they are going to live. That includes, yes, saving for retirement. No matter how young a couple is, the two should not assume that they will both have the jobs they have until they retire. Job security no longer exists.
They should be thinking about what they might do if they found themselves out of work in their middle age – well before they wanted to retire. What will they do? Will anyone hire them for decent pay?
Fortunately, there are many ways out there to earn an income that have nothing to do with a traditional W-2 job. To hear about one of the best, message me.
If a couple decides to pursue a non-job income before their wedding, perhaps they’ll have enough to cover the costs of a nice wedding AND make a dent in any educational or other debt. They may even get a head start on retirement savings.
Certainly, any couple needs to be economical in planning a wedding. They should have what they want, and eliminate what they don’t. A great time, and beautiful memories, can be had by all – without going overboard, or wasting money on things that aren’t necessary.
So, here’s a toast: To a happy and prosperous life, and an elegant but not over-frilled wedding.
Peter
Author Archives: pbilodeau01
BREAK THE RULES, WIN MONEY
#BreakTheRules #employers #GoodWorks
Sometimes, one makes progress by following a set of rules.
Sometimes, one really gets ahead by breaking the rules.
At the Media Lab at the Massachusetts Institute of Technology, if one breaks the rules or otherwise shakes up the status quo, he can win $250,000.
Tamara Best discussed this program in a New York Times article, which was published in the March 20, 2017, edition of The Atlanta Journal-Constitution.
“There are people doing really important things, breaking either the rules or sticking to their principles with knowledge that they will be hurt or punished in some way,” Best quotes Joi Ito, director of the MIT Media Lab.
“In a lot of large institutions, there’s really two ways you can make progress,” Best quotes Ethan Zuckerman, director of MIT’s Center for Civic Media. “You can make progress when people follow the rules and work their way through the processes, and then sometimes you can make very radical progress by someone who essentially says, ‘Look, these processes don’t work anymore, and I need to have a radical shift in what I’m doing,” Zuckerman’s quote continues.
If you work for someone else, you should follow your employer’s rules. Some employers don’t handle radical thinkers well.
But let’s talk about “rules” that your parents perhaps handed down to you. They may go something like: Get a job with good benefits and decent pay. Keep your head down at work. Do what you are told. Your job security is the best thing you have. (I would use the word “own,” but no one owns a job. One may take ownership of his work, but the job belongs to the employer).
We’ve come to learn that these rules are obsolete. You can do great work, show up every day, stay out of trouble and even put in lots of extra effort that may or may not be in your job description. That may not keep you in a job for as long as you want to be.
Your good works may not get you into heaven, and they may not guarantee you job security anymore.
What to do?
Think radical. Upset the apple cart. Do something – perhaps not at work or on the job – that others might not do for fear of breaking the “rules.”
Some might say that I can think radical as well as anyone, but it may not get me anywhere, except in trouble.
There is a way you can think, if not radical, at least outside the rule box.
You can look at one of many ways you can earn an income without a traditional job. You can work for yourself. You can help others along the way. All you have to do is be open enough to check it out. If you’d like to check out one of the best vehicles to accomplish this, message me.
In some settings, it’s OK to break the rules, especially if the rules don’t help you get what you want. Sometimes, the rules are enticing you to break them. That can be good – or bad – depending on the setting.
The best rule for breaking the rules is to do it in a setting where it is encouraged. That can be at a place like MIT’s Media Lab, or in your own home.
Some rules are meant to be broken. Others break themselves. So examine your situation and determine whether it’s time to break the rules – or not.
Peter
NOT ALL COLLEGE DEGREES CREATED EQUAL
#CollegeDegrees #college #education
Wages for college graduates across many majors have fallen since the 2007-2009 recession.
So says an unpublished analysis by the Georgetown University Center on Education and the Workforce in Washington, D.C. The study is based on U.S. Census Bureau data.
Young job seekers appear to be the biggest losers, according to an article by Austin Weinstein in Bloomberg News, which quotes the unpublished study. The article was published in the April 4, 2017, edition of The Atlanta Journal-Constitution.
The study, according to the article, shows:
• Chemical and computer engineering majors earned some of the best salaries, at least $60,000 a year for an entry-level position, since the recession.
• A biology major earned a starting salary of $31,000 on average in 2015, down $4,000 from five years earlier.
The outlook for experienced graduates, ages 35 to 54, was a little brighter, with wages generally stable since the recession.
On the brighter side, an experienced petroleum engineering major earned $179,000 on average in 2015, up $46,000 from five years earlier, the article quotes the study.
What about liberal arts majors? The article says that beyond those with special skills, philosophy and public policy majors have seen their earnings rise.
So what’s a recent college grad, or soon-to-be college grad to do? The article says, get a graduate degree. The wage gap between undergraduate- and graduate-degree holders has been growing, the article says.
As we’ve previously discussed, a potential college student should think long and hard not only what to major in when he or she gets to college, but also whether to go to college at all.
If one’s education will not be paid for by parents or other sources – in other words, if a student has to borrow the money to go to college – that should be a big factor in whether one chooses college, or not.
One could look at it this way: if one is not going to get rich anyway, one might as well be less broke without college debt.
Alas, one does not have to believe he will be broke. If the investment in college doesn’t yield a great job, or even if one doesn’t go to college at all, there are many other ways out there to make money without the benefit, or headaches, of a job. To check out one of the best, message me.
What do we conclude from this study? First, as the article points out, advances in technology, automation and other efficiencies have reduced the need for a lot of people. There’s nothing anyone can really do about that, in terms of his individual situation.
Second, college is certainly a great experience, and the friends one can make in college can be a lifetime treasure. One can certainly look at college as an investment in life experience, rather than an investment in earning potential.
Third, don’t feel pressure that you HAVE to go to college, if it is not practical. Of course, you don’t want to be a lifetime dependent, but you may have to think outside the box a bit if you want to be prosperous, with or without college.
So, look at college with a great deal of thought. If you go, go for the right reason. Study what you will study for the right reason. Get the most from your degree, whether it’s income or life experience.
Look at your degree with a great deal of consideration.
Peter
MILLIONAIRES CREATED IN BUNCHES
#millionaires #immigrants #frugality
Just about anyone can become a millionaire.
The big difference between those that become millionaires, and those that don’t, is ambition.
Statistics show that one in 100 people in the world will become millionaires, with the ratio increasing with time. One in 10 immigrants to the United States will become millionaires.
In a story aired on CBS’ “60 Minutes” May 7, 2017, CNN’s Anderson Cooper reported on the case of Roberto Beristain, a restaurant owner in Indiana who had come to the U.S. illegally 20 years earlier. He is in the process of being deported, despite having a wife and children who are U.S. citizens. Before all this, those who knew him said he was a job creator, not a job stealer. It appears he was well on his way to becoming a millionaire.
Master investor Warren Buffett, in his February 2017 letter to his Berkshire Hathaway investors, praised “ambitious immigrants” for helping to increase the wealth in America, according to USA Today.
So why are immigrants being demonized?
In certain public discourse, immigrants are described as either moochers, job stealers or potential criminals or terrorists. Certainly, among any human group, you’ll have bad apples. You will have people who will do others harm, or take from others.
The vast majority of immigrants come here either for economic opportunity, or to escape violence, corruption or other evils in their home countries.
When opportunities are given to immigrants, most take advantage of them. They work hard, they learn what they need to do and many of them look for unmet needs and find ways to meet them.
Some come here for education and, yes, stay. They fill lucrative jobs that American talent apparently is not filling. Some do menial jobs that Americans, in large numbers, will not do. In those cases, the immigrants may not be educated, but they have skills Americans, in large numbers, chose not to acquire.
They are creating products that Americans use. Most pay taxes.
When all the immigrants are gone, what will Americans do? Will they be able to fill the jobs they have vacated?
Some areas of the country have seen their populations decrease, because the young people who grew up there see no opportunity for them to succeed. These areas actually want immigrants to move there, to fill vacant housing, and take unfilled jobs.
So, do you want to become a millionaire? It’s not necessarily easy to do, but you have to find an unmet need, or a met need of which you can lower the cost.
You have to be frugal. You have to save and invest properly. Becoming a millionaire may not be an instantaneous process unless, of course, you win the lottery. If you are so lucky, learn to use your money wisely, so you’ll still have a good bit of it when you die. That may require you to grow as a person, as well as having a good investment strategy.
You may have to look for a vehicle to help you become frugal, and perhaps help you to increase your income. To check out one of the best such vehicles, message me.
Millionaires generally are careful with their money. They are looking to spend less, earn more and do what they must to achieve their goal. They do not believe anyone owes them anything they have not worked for.
Do you want to be a millionaire? There’s a difference between wanting it, and doing what you need to do to get it. Most millionaires don’t work for the money. They work for what they can accomplish with the money.
Dolly Parton sings of “a cup of ambition” in the theme for the movie “9 to 5.” You may need more than a cup of ambition to be among the one in a hundred millionaires.
Peter
MILLENNIALS NOT KEEPING UP WITH THEIR PARENTS IN TERMS OF WEALTH
#millennials #BabyBoomers #wealth
Millennials are having it tough.
Though most have eventually found work after the Great Recession, they are trailing their boomer parents in wealth, when their parents were roughly the same age.
Gail MarksJarvis of the Chicago Tribune discussed this issue in an article published March 20, 2017, in The Atlanta Journal-Constitution.
MarksJarvis tells the story of Julius Givens, who moved to Chicago after graduating from the University of Missouri in 2013. He spent six months delivering sandwiches by bicycle and living with two roommates in a studio apartment, MarksJarvis writes.
On top of that, he had $20,000 in student loan debt.
“It’s tight living with three people in a studio, but you figure out how to handle it,” MarksJarvis quotes Givens.
The millennials came into adulthood amid one of the worst recessions in U.S. history. Though most have found jobs, their incomes are 20 percent lower than what baby boomers earned at the same age, MarksJarvis quotes a study by Young Invincibles, an advocacy group for millennials.
They also have fewer cars, homes, less savings and other assets, and a lot more student loan debt than their parents did when they were young, MarksJarvis quotes other studies.
Givens says he’s actually doing better than his mother did at his age, since she worked and raised six children on her own in St. Louis. He now has a professional job in the medical products industry, and backing for a business he is starting. He now lives in a two-bedroom apartment with a roommate, according to MarksJarvis’ article.
“I’m not hurting for anything. I don’t need a car or a house,” she quotes Givens.
The difference between millennials’ and their parents’ situation boils down to job security. Very likely, most baby boomers came out of school, found a job and got to keep that job for a lot of years. Or, they were able to easily move from one job to another, with better pay at each move.
Many baby boomers, however, got kicked in the teeth with the recession as well. Just as they were beginning to think about retirement, some lost their jobs. Many had a tough decision to make: take a job that paid a lot less than the one they lost, or retire “early,” long before they wanted to.
Many millennials like Givens are starting to see their situations get better, and they have a lot more time, at least in theory, to prepare for retirement. However, though their situations may be getting better now, they can’t presume that the good times will last. The fortunate ones will have jobs for as long as they want. Many, if not most, will not.
Certainly the economy is changing for all age groups. Each group needs to look for ways to make money other than through a traditional, W-2 job. If you are willing to look, and want to check out one of the best such vehicles, message me.
The world is changing much more quickly than when baby boomers became adults. For some, change can work for the better. For others, not so much.
The important thing is not to just protest the change, and complain about it. It’s paramount that you take matters into your own hands.
Circumstances will bite, but strong people fight back. You have to decide how strong you are, and how willing you might be to look at something you may never have thought about before.
Peter
TAKING THE LONG VIEW OF FINANCES
#millennials #BabyBoomers #economy
Home prices in Seattle are soaring.
So, Kathryn Jacoby, 30, and Jeff Whitehill, 32 came to a sobering conclusion: buy now, before prices went up further, or they may never afford to own a home. They bought a 72-year-old house for $550,000. It may be more than they can afford on their combined $110,000 annual income, but they felt time was not on their side.
George Erb wrote of the couple’s plight, and that of other millennials, in the Seattle Times.
Meanwhile, Rodney Brooks writes of how baby boomers are bridging the Generation Gap. His article for The Washington Post was based on Lori Bitter’s book, “The Grandparent Economy: How Baby Boomers Are Bridging the Generation Gap.” The book focuses how baby boomers may be taking care of several generations of their family, be they their parents or their children who may not have recovered financially from the Great Recession of 2008.
“The real story is they (boomers) may have two or three generation of people living in their homes that they were working their butts off to support,” Brooks quotes Bitter. That puts their retirement plans in some peril.
Both Erb’s and Brooks’ articles were published in the March 6, 2017, issue of The Atlanta Journal-Constitution.
Meanwhile, Ron Lieber wrote in the New York Times of financial trade-offs people make, whether they know it or not. Some take two or three jobs just so they can raise their kids in a certain neighborhood. Others experience life now, perhaps after the sudden death of a relative, lest they not get to do it again, etc.
Lieber’s article was published April 24, 2017, in The Atlanta Journal-Constitution.
Let’s break this down a bit further. If you are young, you need to be actively engaged in financial planning, including not only what you earn, but what you spend and what you save. The young couple in Erb’s article believed that housing appreciation was going to continue for the foreseeable future, so they extended themselves a bit to buy a house.
If that holds true, they’ll appreciate that decision later. However, there is much peril in the meantime. They borrowed $30,000 from Jacoby’s parents, and Whitehill has a $60,000 student loan to pay off.
Hopefully, they can pay down those debts and they will earn more income over time. The latter is far from guaranteed, making the former more difficult.
Rather than borrow money from parents to help buy a house, some young people are still living with their parents, as Brooks’ article discusses.
The point here is that all generations alive today face financial challenges. The trick is doing what you need to do to overcome them.
With technology and globalization throwing a monkey wrench into job security, people in all generations might want to think about ways to earn extra income, preferably without taking a pound of flesh from themselves, or having no time to really live.
There are many options available to accomplish this. To hear about one of the best, message me.
With job security far from assured, no matter in what field one is employed, financial risks become that much riskier. Still, taking no risk at all generally doesn’t get one very far. As long as the risks are calculated, and one plans accommodations to alleviate some of the peril, there’s no telling what the payoff can be.
Here’s wishing the millennials great financial planning skill, and baby boomers great coping skills as they deal with their issues.
Peter
NOT EVERY JOB IS FOR EVERYONE
#jobs #employment #income
Is the job you have the one you want?
Are you enjoying what you are doing for work, or are you just going through the motions to draw a paycheck?
Stephanie Merry tackled this subject for The Washington Post. The article was published in the Feb. 6, 2017, edition of The Atlanta Journal-Constitution.
Merry’s article features the story of Dan Nicholson, who earned a physics degree from Purdue University, and got a job as a laser engineer.
He hated it. And it apparently showed. He lost his job.
But, he liked working on houses. So, he became Handy Dan.
His story illustrates that even if you get a degree in the right thing, and get a job in your chosen field, it may not be for you.
Merry points out that some folks would prefer to get back to nature, create something tangible, move to the Caribbean and manage a store or restaurant, or just sit on a sailboat and float around – as opposed to working 20 or more years at what they are doing.
As a reality check, it’s better to make a living than not. So many people want to make a living, but are working hard and barely getting by.
Others are so stressed and overworked that they have no time – even if they have the money – to do whatever gives them pleasure.
Wouldn’t it be grand if we could all dump the jobs we hate and earn a living with the hobbies we love?
Sometimes, it’s not about the job. It’s about the income.
What if one could pursue a hobby, while having a different source of income?
There are many good potential income sources out there, for those who wish to look for them. To check out one of the best, message me.
Meanwhile, if you feel you must stay in a job you don’t particularly like so you can make a living, here are a few tips: First, find some things about the job, besides the paycheck, that you like. Perhaps those might be the people you work with, the customers you deal with or some other perks that might have enticed you to take the job in the first place.
Second, keep your job and use non-work hours to find what really motivates you. It may not be working on houses, as it was for Nicholson, but perhaps there is something else you can do that you love, and that adds value to someone else.
“There’s no right path for everyone, and each one has its own risks,” Merry writes.”So, for those who aren’t living their dream lives, what’s the next step? You might start by sitting on a beach. Just leave your phone at home,” she writes.
Of course, sitting on a beach isn’t necessarily going to make you a living. But if you like sitting on a beach, it could give you time to think about what your life will be like five, 10 or 20 years from now, if you keep doing what you’re doing.
If that’s not what you want to be doing long term, it may be time to pursue an alternative.
Peter
STATES RESPOND TO RETIREMENT CRISIS
#retirement #pensions #401(k)s #SocialSecurity
“It’s clear there’s a retirement crisis,” Illinois State Treasurer Michael W. Frerichs told small business owners. “This is a problem not only for families but for all of us,” the quote continues.
Frerichs was quoted in an Associated Press article on the subject by Maria Ines Zamudio. It was published Feb. 22, 2017, in The Atlanta Journal-Constitution.
Zamudio’s article focused on how seven states – California, Connecticut, New Jersey, Maryland, Oregon and Washington, as well as Illinois, are in various stages of implementing state-sponsored retirement savings plans.
The plans, the article says, are tax-deductible IRAs with automatic payroll deductions, for which employees don’t pay federal taxes on the money until it is withdrawn.
Americans without work-sponsored savings plans are less likely to save for retirement, the article says. Zamudio quotes research from the Employee Benefit Research Institute that shows 62 percent of employees with an employer-sponsored savings plans had more than $25,000 in savings. Some 22 percent of those had more than $100,000 in savings.
Meanwhile, according to the quoted research from 2014, 94 percent of workers without access to those plans had less than $25,000.
We can certainly debate whether it should be the government’s role to set up savings plans for workers. What isn’t really debatable is that $25,000, or even $100,000, won’t get a person very far into retirement.
A good retirement savings would provide enough so that the person or couple could live comfortably off the interest and dividends those savings would kick off. If one does not have to touch his principal in retirement, he’ll never outlive his money.
Of course, those fortunate enough to get a pension from their employers, combined with Social Security, have a little more to work with, in terms of income.
But will those vehicles be enough to have the retirement you want?
Retirement should be about more than just living Social Security check to Social Security check. It should be about having the resources, combined with the time, to do things one didn’t have the time to do while working. Examples include travel, hobbies etc.
But so many at or near retirement age are not in that position. Some had signed on to work for an employer because of pension benefits, only to find that when the time came to access those benefits, they weren’t there.
Others, perhaps, were forced out of their jobs prematurely through downsizing, technology or other efficiencies. As a result, they lost of lot of work time that could have allowed them to save more. Or, they were forced to take a lower-paying job elsewhere, making saving for retirement impossible, or nearly so.
If you are among those facing tough decisions about retirement – perhaps you tell yourself you’ll have to work until you die – there are a number of good options for earning income that could augment or even enhance your potential retirement income. To check out one of the best, message me.
Meanwhile, if you have a job, make saving for retirement a priority. Closely examine where your money goes, and see whether you can trim spending to put money into retirement savings. Presume that there will be very little to bail you out if you are “retired,” but can’t afford to be.
Also, too, think about your time. How are you spending what free time you currently have? How will you spend your time when you retire? Will you be bored? Will you have the resources to perhaps do what you’d like to be doing?
Certainly, retirement is about more than money. But having enough money will take one worry off your plate so you can decide how best to use your time.
If you don’t want to work until you die, do something today to help eliminate that possibility.
Peter
MONEY DOESN’T MAKE YOU BETTER
#money #PersonalGrowth #HoldYourHeadHigh
“If I had more money, I’d be a better person,” some might say.
Leadership guru Jim Rohn, in one of his newsletters, begs to differ.
“We grow personally and then we advance materially,” said Rohn in one of his newsletters.
Last week, we discussed flaunting your most valuable asset: your earning potential.
Rohn puts a slightly different spin on that premise: success is to be attracted, not pursued.
Some old adages your parents may have taught you include: Work hard. Keep your head down and your nose to the grindstone.
In other words, work hard, but don’t draw attention to yourself.
That advice may have sufficed for the person who wants to simply work, draw a paycheck every week, stay in his comfort zone and out of trouble.
For true success, however, hard work certainly is important. But you see true success when others are attracted to you. The best way to attract others to you is to show that you are truly interested in THEIR success, perhaps even more than in your own.
You see, helping others succeed more than likely will bring you success as well.
How does one do this with a “grindstone” kind of job? First, analyze where this job will eventually take you. If it’s unlikely to ever get you out of the work station you are in, and you want out – at least eventually, you may have to find something that you can do within the confines of your work place, or outside of it, to let people know you want to be successful.
If that’s not possible in the confines of your work station, look at other ways to help people, and perhaps earn a part-time income in your spare time. There are many ways to do that, without taking on a “second job.” To check out one of the best, message me.
You can gain personal wealth at the expense of others. Or, you can gain success by helping others achieve success.
Which would you rather do?
If the latter appeals to you, you might have to find ways outside of your normal activity to accomplish that.
You can certainly be successful without being wealthy. Just observe the story of people like Mother Teresa.
She helped people in a very selfless manner.
But if you are not already wealthy, helping people can be a way of creating wealth – for those you help become successful and, as a result, for yourself.
To do that, as Jim Rohn would advise, make yourself attractive to others. Not necessarily physically attractive, but let your enthusiasm draw others to you. Let your desire to help them want them to help you, or do business with you.
Be the one not with his head down, but the one with his head held high, and a smile on his face. Be the one who knows where he wants to go, and who wants to take as many with him as want to go.
Be a magnet that draws the best to you, then bring out the best in them.
Peter
YOUR MOST VALUABLE ASSET IS YOUR EARNING POTENTIAL
#EarningPotential #jobs #employment #GrowRich
We differentiate the “rich” and the “not so rich” not by a difference in wealth.
We may look at the rich and say something like, “if they paid me what I was worth, then I could be rich, too.”
Brian Tracy’s book, “Your Most Valuable Asset: 7 Steps to Growing Rich,” works on the premise is that your most valuable asset is your earning potential.
Basically, it says that what you do to add value to others can make you rich.
The average working person may not see that. He may see himself as adding value to his boss, but that boss is not adding nearly as much value to him.
He may feel overworked, underpaid and completely used. He doesn’t see himself as wealthy, or potentially so. He may not even see himself as worth much at all.
“Your earning ability is like farmland – if you don’t take excellent care of it by cultivating and tending to it on a regular basis – it soon loses its ability to produce the kind of harvest you desire,” Tracy writes.
Successful people, Tracy adds, work daily to keep increasing (their earning abilities’) productive value, to keep up with the marketplace demands.
The marketplace Tracy refers to is indeed fickle. Once day, your boss loves what you are doing. The next day, you get a termination package or, worse, a layoff notice. The great work you did yesterday becomes meaningless.
Therefore, you must convince someone else in the marketplace that you have value.
Entrepreneurs have to do that every day.
So, if the worst happens, and the current person you are offering value to no longer values you, what should you do next?
First, don’t beat yourself up. The marketplace changes. You’re loved one day, and are dispensable the next. This isn’t your fault.
You might find a new person who values the skills you have.
Perhaps you could re-evaluate your skills, and, if necessary, acquire new ones to better conform to today’s marketplace needs.
Or, you can think outside the box and look for one of the many ways to apply the skills and knowledge you have to something you may have never thought to do. If that idea intrigues you, and you want to learn about one of the best options out there to accomplish that, message me.
Finally, if you have it, lose the attitude of worthlessness. NO ONE is worthless. Everyone has something to offer, or can learn something they can offer, to the marketplace. YOU are your most valuable asset. Cherish you. Protect you. If necessary, enhance you.
The marketplace is fickle, and successful people find a way to wade through changes, or even embrace them.
Look for the best you, that you can be. It may appear through that new person that comes into your life. Be open to improve. Be open to new things. Embrace the fickle marketplace.
Flaunt your most valuable asset. Someone is waiting to check it out.
Peter