WE LOVE VACATIONS, BUT SHOULDN’T WE BE WORKING?

#vacations #vacation #working #jobs

Ah, vacation.

We work so hard for it.

We wouldn’t want to be on vacation all the time, would we?

Brian O’Connor, a philosophy professor at University College in Dublin, Ireland, took on this subject in an article published April 29, 2018, in The Atlanta Journal-Constitution.

“Although annual leave is a right in many workplaces, it is of significant value to employers, too,” O’Connor writes.

Studies urge employers to embrace paid leave, the article says. It refreshes workers, and gives employers opportunities to expose others, who would do the work of the vacationer, to other jobs in the company, thus gaining workers with more diverse skills, O’Connor writes.

O’Connor’s point: vacations are designed as a respite from work, but we all need to be working, rather than being on vacation all the time.

Let’s break this down further. First, as employees, most of us get paid time off in a variety of fashions. There is vacation time, which tends to increase with years of service – up to a maximum, of course.

Then, there is sick time which, in theory, is there to use as needed for illness or other emergencies.

Finally, for those with certain jobs, there is paid time to attend educational seminars, specific offsite training etc.

Some employees will abuse some of this time off, particularly sick time. We’ve all heard the expression of calling in well. Sick time, of course, should ONLY be an insurance policy for illness and emergencies, and should be used only when necessary. Mental health days, unless they are for a specific diagnosed condition, should not be taken. (People with a diagnosed mental condition may have fewer employment opportunities).

Some people don’t get any of this paid time off, despite the encouragement to employers to provide it.

Others are generously paid for NOT using their time off when they retire.

Others, depending on the job they have, are literally punished for taking time off. They have to work extra hours prior to leaving on vacation, and face a huge pile of work when they return. Others can just comfortably go on vacation, without added pressures or work before and after.

With today’s technology, some can take the job with them on vacation. If you are one of those, you may need to set some new priorities.

Though O’Connor’s article argues that vacations are merely a rest from toil, and that toil is something that doesn’t please you, it can be argued that a permanent vacation – or a change in your life – may be needed. There are many vehicles out there that, for a few part-time non-job hours a week, can give you the freedom to change your life for the better. To check out one of the best, message me.

Despite the nobility of labor, if you don’t enjoy what you do, or if what you do does not provide you with the life you want, it may behoove you to look at alternatives.

Your personal goal should be to go on your longest vacation ever – retirement – as soon as you are able. In today’s work world, that decision sometimes can be made for you.

Peter

DOES YOUR PERSONALITY AFFECT EARNINGS?

#personality #earnings #PersonalityAffectsEarnings
Many of us have witnessed people being belligerent a t work. Perhaps they got fired.
We may have seen others who suck up to the boss, and get promoted.
But what about more subtle personality traits? Do they affect how much one might earn?
Tyler Cowen tackles this subject in an article for Bloomberg. It was also published Sept. 17, 2018, in The Atlanta Journal-Constitution.
Cowen quotes a study by Miriam Gensowski at the University of Copenhagen. She revisited data from California schools, back in 1921-22. She culled out the top 0.5 percent of student in the IQ distribution, meaning they scored 140 or higher on the IQ test.
What did she find? Cutting through a lot of numbers, she discovered that conscientiousness mattered for men. Men who scored higher on the conscientiousness scale earned an extra $567,000 over their lifetimes, the article says.
For women, extroversion correlated with higher earnings – even more strongly than conscientiousness, unlike for men, the article says.
The article quotes the study saying that more “agreeable” men earned significantly less. Remember the saying, “nice guys finish last?”
“One possibility is that more agreeable men self-select into lower-earning, more subordinate professions,“ Cowen writes.
And, perhaps no surprise, the smartest ones among the smartest ones generally earned more, the article says.
OK, so you are who you are. You may think you aren’t the sharpest knife in the drawer, and the study referenced above may not have looked at people like you.
But that doesn’t mean you can’t make it above where you think you should be – if you want to.
Being conscientious will help. If that doesn’t come naturally, work on it – man or woman. Conscientiousness is something that can be acquired with effort, if it doesn’t come naturally.
To a lesser extent, extroversion can also be acquired but, for some, requires a good bit more effort. If you are naturally shy, you can change that, but you have to be motivated to WANT to change it.
Right now, you could be working in a job that you do not believe will EVER make you “successful,” as experts seem to define it, or wealthy. Don’t fret. There are ways out there for people, even shy people, to be successful. You just have to be willing to look for them. And, though you may be shy, you HAVE to be teachable.
If you WANT to change your life and are willing to check out one of the best such vehicles to potential success, message me.
Teachability can compensate for many natural personality traits. Conscientiousness, however, is easy to learn, in relative terms.
The lesson here, perhaps, is don’t let the person inside you take the best out of you. Be willing to find the best that’s inside you, and bring it out.
Sometimes, it takes another person to see the best that’s inside you and help you bring it out. Sometimes, you never know who that person might be. It may be someone you already know. It may be someone you haven’t met yet.
Don’t look at what someone is offering with the person inside you who wants to take the best away from you. Look at that person believing that the best of you has yet to appear.
Peter

FINDING YOUR PASSION REQUIRES LOOKING FOR IT

#passion #FindingYourPassion #LookingForYourPassion
People advise us that we won’t be truly happy unless we find our passion.
But, according to a study from Stanford and Yale-NUS in Singapore, searching for one’s passion may actually make it harder for people to figure out what they love to do.
The study was quoted in an article on the subject published July 28, 2018, in The Atlanta Journal-Constitution.
“The Idea of ‘finding’ one’s passion implies that people have built-in interests just waiting to be discovered, and if you can simply figure out what they are, you will magically be able to embrace them,” the article quotes the study, which will be published in the journal Psychological Science.
True passion develops, and is not found, the article says. It develops “through being open-minded about delving into a new topic and being willing to put some work into it,” the article says.
Let’s look into this further. Let’s say you have a passion for art. You know it’s there, and you pursue it. It may not make you a good living, mind you, but you pursue it anyway. Then, you figure out how to make a living.
Now, if you have a job that’s hardly your passion, and you have no outside activities that you are really passionate about – OK, watching your favorite sports team, or other sedentary activities, doesn’t count — then, you have to find something that produces both passion and profit.
That requires LOOKING, rather than sitting and waiting for it to come.
It also requires THINKING — contemplating whether you could make something your passion.
Locating your passion requires action, not reaction. It requires pursuit and creativity, not serendipity.
Your passion could be placed in front of you by someone you know, or someone you don’t know but have just met. A person who truly is looking for his or her passion will look and listen when someone presents a new idea to him or her.
Again, if you are in a job that is NOT your passion, find something about the job that, if not arousing passion, will make you want to go to work every day with a smile.
Meanwhile, be open to new opportunities that may be presented to you. There are many great ways out there to make money outside of your job, that won’t interfere greatly with what you are already doing. To check out one of the best such vehicles, message me.
Going along and getting along will probably not produce passion. We all have things we have to do to take care of ourselves and our families. That doesn’t mean we can’t take time for things we really enjoy.
The ultimate passion comes when we love what we are doing, regardless of what other reward we get from it. But if that other reward is handsome, that’s a real bonus.
Yes, you can become passionate about something you know nothing about now. You have to look for that passion, and you have to know it when you see it. Then, you have to pursue it – with a passion.
Passions aren’t like snowflakes that fall from the sky. They are more like fires that have to be started, stoked and maintained. In other words, YOU have to ignite your passion.
You may not know it when you see it initially, but you must have the drive to create it, perhaps from some unexpected source.
Peter

CHILD-CARE WORKERS IN DEMAND

#ChildCare #Child-CareWorkers #ChildCareInDemand
They are using non-compete clauses, college tuition incentives and non-refundable wait-list fees.
Are these engineers or scientists? No, child-care workers.
There is a child-care workforce crisis – at least in Seattle, where Sally Ho based her article for the Associated Press. The article was also printed in the Sept. 9, 2018, edition of The Atlanta Journal-Constitution.
The situation basically goes like this: the booming economy is encouraging child-care workers to leave their highly demanding, low-paying jobs for other positions.
And, at least in Seattle, the demand for child-care programs is booming, the article says.
What are the child-care providers doing? They are requiring and enforcing non-compete clauses for their workers. To raise money to increase salaries, they are requiring families to pay fees to get on a wait list, the article says.
Child-care workers in the U.S. make less than parking-lot attendants and dog walkers, the article quotes Marcy Whitebook, co-director of the University of California, Berkeley’s, Center for the Study of Child Care Employment.
“If you can’t get workers to do the job, then it’s hard to expand the supply. And when the economy is good, that’s when you need to expand the supply,” the article quotes Whitebook.
In 2017, there were 132,000 more children up to age 6 in Washington state who could use formal child-care arrangements, compared to the number of available child-care slots, the article quotes
Child Care Aware, and advocacy group.
Two-thirds of all children up to age 6 have parents who are both working. Some child-care centers are so popular in Seattle, New York and San Francisco that parents pay to get on waiting lists while still trying to conceive, the article quotes Whitebook.
Research show children who attend good preschools are better off as adults, with higher incomes and healthier lifestyles, the article says.
The obvious answer here is to make child-care work more desirable by increasing workers’ pay. But there’s a delicate economic reality: there’s only so much most parents will pay for child care. If the cost of child care is the same, or exceeds, one of the parent’s salaries, it makes no sense for that parent to work – at least economically.
When looking deeper, the solution for parents is for at least one parent to have more time flexibility, while still earning money. Time flexibility, plus money, equals choices for parents. If they WANT to send their child to a day-care facility or preschool, they can. If they want to keep them home until kindergarten, they can.
There are many vehicles out there that parents can utilize to build more time into the family, while still earning a potentially greater income than many W-2 jobs pay. To check out one of the best such vehicles, message me.
Meanwhile, if you are a child-care worker, particularly in an expensive urban area, and you like your job, know that you are in demand. Don’t hesitate to ask for a raise, if you believe you are not getting paid enough for what you do. Or, you, too, could use your non-working hours to supplement your income in a different way.
If you are parents, or parents-to-be, you may have to think outside the box to figure out how you are going to manage raising children with work. It may entail a whole new form of thinking on how the family can create time flexibility, with enough income to give that child (or children) the life they deserve.
If you now get paid only for time worked, imagine what you can do if you got paid by leveraging your time to give more of it to your family.
Peter

PRIVATE SCHOOLS BETTER THAN PUBLIC SCHOOLS?

#PrivateShools #PublicSchools #education #QualityEducation
A new study has turned conventional wisdom on its head.
While most think that private schools do a better job educating students than public schools, the study shows it not to be true.
Valerie Strauss tackled this subject in a Washington Post article that was also published Aug. 7, 2018, in The Atlanta Journal-Constitution.
The University of Virginia researchers looked at data from more than 1,000 students. It found that “all of the advantages supposedly conferred on private education evaporate when socio-economic characteristics are factored in,” the article says.
The study also found no evidence to suggest that low-income children or children in urban schools benefit more from private school enrollment, the article says.
“You only need to control for family income and there is no advantage,” the article quotes Robert Pianta, dean of UVA’s Curry School of Education. Pianta conducted the study with Arya Ansari, a postdoctoral research associate at the university’s Center for Advanced Study for Teaching and Learning.
Pianta also says that kids who come from homes with higher incomes and parental education achievement offer young children, from birth to age 5, educational resources and stimulation that other children don’t get, according to the article. These conditions presumably carry on through all school years, Pianta concludes, according to the article.
Let’s break it down further. Some private schools can offer what public schools can’t, such as religious education. It may be worth the parents’ expense to see that their children get that religious education along with academics.
But for those parents looking purely at academics, there is probably no need to incur the expense of private education.
Certainly, there are other reasons, too, to consider private education. Safety may be one. A private school may incur whatever expense is necessary to make sure there are no unwanted visitors in school.
Those parents who cannot afford private education, over and above the taxes they pay for public education, can rest assured that their students likely would not do any better academically in a private school.
Certainly, there are private schools designed for children with special needs – though most public schools have solid programs for those students.
In short, unless there are special circumstances, a student will probably do no better in a private school. The key is how much parents value education, and how willing they are to work with their children outside of school.
We like to measure education on what kind of job a student can get after graduation. If you have a student who is unsure what he or she wants to do with his life, there are plenty of vehicles out there through which they can earn a potentially good income while they are trying to figure out what they want. To learn about one of the best, message me.
Educating children, so they can turn into good, productive adults, is perhaps the greatest task we as a society are challenged with. Governments in many areas have been reducing education funding over the years, for a variety of reasons.
But, aside from parents, there may be no more important people in a child’s life than his or her teachers. Parents can support their child’s school in many ways. The most important way, though, may be to put a high value on education, and help the child learn the importance of education from the day they are born.
Peter

TEACHING HAPPINESS

#happiness #TeachingHappiness #schools
Most of us think of happiness as a feeling.
Either we are happy, or we are not.
In Delhi, India, children have a class on happiness in school.
It appears the public schools in Delhi are experimenting with such a class, since schools in India are so obsessed with test scores that the obsession may be stressing the students.
Vidhi Doshi wrote about this in an article in The Washington Post. It was also published July 29, 2018, in The Atlanta Journal-Constitution.
And, the article says, the classes have paid off. Delhi’s public schools have outperformed the private schools on standardized test in recent years.
“We should work happily,” the article quotes Aayush Jha, 11, who took his first happiness class. “When you work sadly, your work will not be good,” he said.
But, after nearly three decades of rapid industrialization in India, some states in the country made exams easier and graded them leniently to bring up the scores. Some students got through high school without being able to read or write, the article says.
So now, experts in India are asking whether the focus on employability has stifled creativity and stymied social progress, the article says.
So, how do the classes work? Some 10,000 Delhi students spend the first half-hour of each day without opening a book, learning instead through inspirational stories and activities, as well as meditation exercises, the article says.
It’s kind of like recess, indoors, to start the day.
During this period, the students are encouraged to think about what makes them happy.
So, if your job, or school, stresses you out, start the day by thinking about what makes you happy.
Not just, say, ice cream, or cake. Instead, think about what you want out of your life that you don’t currently have. It may inspire you to do something different or, at the very least, allow you to go to work inspired to do something great. Then, you may be able to have what you want, eventually.
In realistic terms, however, many jobs will not provide people with what they want out of life. The jobs either don’t pay enough, or occupy too much of our time – or both.
If you have a really big dream, and your situation isn’t getting you closer to achieving that dream, it may be time to look at something else.
Fortunately, there are a number of vehicles out there that, starting with a small, part-time effort, could give you what you need to fulfill that dream. To check out one of the best such vehicles, message me.
As we’ve learned in the U.S., focusing an education system on test scores may not be the best way to educate children. We certainly want our children to achieve as much as they can academically, but kids need time to be kids.
They also need to learn the value of skills that are not easily measured – happiness, friendliness, working as part of a team, getting along well with others etc. They can be just as important to one’s career as math, science, social studies and language.
Perhaps U.S. children don’t need to take a class in these “soft” skills, but they should learn them as part of their overall education.
Chronic unhappiness not only leads to other mental and physical problems, it can reduce productivity.
We’ve been taught to work smarter, rather than harder. We should all learn to work happy, live happy. We may have to work harder to create that happiness.
Peter

ACADEMIC FRAUD?

#education #AcademicFraud #college #CollegeDebt
Only 37 percent of 12th-graders tested proficient or better in reading. Only 25 percent did so in math.
Yet, the high school graduation rate is better than 80 percent.
Columnist Walter E. Williams, who writes for Creators Syndicate, quoted these figures from the National Assessment of Educational Progress’ 2017 report, also known as The Nation’s Report Card. His column on the subject was also published April 25, 2018, in The Atlanta Journal-Constitution.
He also writes that not only do 80 percent of high school seniors graduate, 70 percent of white high school grads were admitted to college in 2016, as well as 58 percent of black high school grads. Here, he quotes the Bureau of Labor Statistics.
Colleges, then, have to provide remedial courses, dumb down their courses so ill-prepared students can get passing grades and/or set up majors with “little analytical demands so as to accommodate students with analytical deficits,” Williams writes.
Williams’ conclusion: there is academic fraud being committed at all educational levels.
“How necessary is college anyway?” Williams asks. “One estimate is that 1 in 3 college graduates have a job historically performed by those with a high school diploma,” he writes.
We’ve all heard the stories, particularly in recent times, of students coming out of college and hitting the job market with degree in hand, college debt on his or her back and slim prospects not only to earn an income appropriate for his or her education level, but even to find a job at all – at least one in a field to match his or her education.
There is a teacher shortage, however not every college graduate is fit or prepared to teach. Besides, many of them might think that teaching doesn’t pay well enough for them to cover payments on their college debt, let alone any other life expenses. (Some loan programs allow college debt to be written off if the student goes into teaching for a certain number of years).
The pressure is on most children from grade school to go to college and get that degree, so they can get that good job. The pressure is so intense that families – ultimately, the students – go into debt to pay for that education.
They then spend some of their most productive work years paying that debt off, and probably delaying things like buying a house or saving for retirement. In the extreme, these graduates move back home with mom and dad and stay for several years, thus delaying their parents’ progression toward retirement.
As Williams points out, the cycle is that many students get through high school ill prepared for college academically, yet go to college anyway. They really can’t afford college, yet they view it as an investment into a great career. Again, as Williams asks, “How necessary is college anyway?”
First, if a student isn’t prepared to cut it academically in college, it’s perfectly OK not to send him or her, especially if you are going to saddle that student with a massive debt upon graduation – presuming he or she can get TO graduation.
Then, if they wind up waiting tables or doing some menial job that doesn’t require a college degree, what was the point of the education, or the debt?
Fortunately, for a student like that, he can take his menial job, work as many hours as he needs to and, in some of his off hours, pursue one of the many ways to earn money without taking a second W-2 job. Many such vehicles can eventually provide an income that could surpass any income from not just the menial job, but also from a job that would be appropriate for one with a college degree.
But, to pursue this, the student has to be willing to check out such a vehicle. If you’d like to examine one of the best, message me.
Otherwise, one could struggle to get through high school, get into college and take a lot of “gut” courses or major in something that will not have much value on the open market – and pay dearly to do it.
No education is really wasted, but one must have eyes wide open about the economic potential — and cost — of what one wants to study. Try to enjoy school at all levels, if you can, then look for ways to support yourself, and perhaps help others do the same.
Peter

ROBOT TAKING YOUR JOB? DON’T TRY TO STOP IT; ADAPT

#robots #RobotsTakingJobs #automation #jobs
Experts everywhere are trying to figure out what to do when robots take over the lion’s share of jobs.
Though it is already happening, many speculate it will be more widespread in years to come.
The Houston Chronicle took on this topic in an article that was also published in the June 16, 2018, edition of The Atlanta Journal-Constitution.
Some would have the federal government give everyone what they needed to live on, while the robots did all the work, the article says.
In a Roosevelt Institute paper, titled “Don’t Fear the Robots,” economist Mark Paul writes that a series of not-so-radical policies would go a long way to ensure the technological advancement would be widely enjoyed, the article says.
Paul argues for overhauling intellectual property law so that the companies that develop valuable patents and trademarks don’t have such a long monopoly on their innovations, the article says. Paul also sees more people working part-time, sharing jobs, as a way to keep unemployment low, the article says.
He also argues that that the rapid shift in needed skills and technologies would strengthen the case for more publicly funded higher education and training, the article says.
Whatever solutions are developed, our attitude should be to embrace technological innovation, rather than stymie it. After embracing the new technology, even if it personally affects us, we can then figure out what our own next steps should be to not just make a living, but to potentially prosper.
Fortunately, there are many vehicles out there that we can check out to potentially solve our problem. The good news: no robot could take those options away. We just have to be open enough to check them out, even if it means doing something you never thought you would ever do.
If you see yourself losing a job to a robot, or someone else, or if the job you are doing now is not helping you fulfill your dreams, message me if you want to check out one of the best alternative vehicles.
Our knee-jerk reaction to change is to try to stop it or stand in its way. Remember, those who stand in the way are more likely to be run over.
Technology, efficiency and innovation are all coming. We can’t stop them, so why not embrace them?
Factories will continue to hum along, just, perhaps, with many fewer people.
More work will be untouched by human hands.
Progress cannot be stopped.
We just have to figure out how we will fit into the new world.
Much like the weather, progress will be what it will be. It will take us wherever it will take us.
Standing in its way will get you body-slammed.
Don’t just stand there. Adapt.
Peter

LABOR UNIONS GETTING MORE CLOUT

#LaborUnions #MoreUnionClout #workers #jobs
Labor unions, and their power to create a lifestyle for their members, have been declining for years.
And, government has been assisting in that decline by passing laws reducing the unions’ bargaining power. Recently, the Supreme Court ruled that government workers who declined to join unions that represent them in collective bargaining cannot be forced to contribute to those unions.
That ruling would certainly have an impact on a union’s ability to raise money to cushion labor disputes etc.
But, according to an article by Nicholas Riccardi for the Associated Press, there’s a little more enthusiasm now for labor unions. His article was published June 29, 2018, in The Atlanta Journal-Constitution.
“There’s kind of a spark going on now with unions,” the article quotes Mike Hinton, 39, a UPS delivery driver and Teamster from Campbellsville, Ky.
Whether its Las Vegas workers striking at Strip casinos, and winning concessions, or teachers striking in states that have chopped education budgets for years, unions are trying to make a comeback, the article says.
In fact, the article says labor unions picked up 262,000 new recruits last year.
It’s not clear why unions are making a comeback. “I don’t know if locals have been unusually organized rather than things have just gotten very, very bad,” the article quotes Moshe Marvit, a Pittsburgh-based labor attorney and fellow at the Century Foundation.
Some historical perspective is in order. As the Industrial Revolution took hold, factories – often called sweat shops – emerged. People moved off the farms to get jobs in these factories and, at the beginning, those jobs paid very little for the hard work people had to do.
So, organizers got the idea of trying to negotiate better wages and benefits for the workers. If they didn’t get what they want, they would convince most, if not all, the workers to strike until demands were met.
Over time, those demands created inefficiencies in the workplace, and companies could not change things without union approval. Of course, the unions’ mission was to preserve as many jobs as possible, with the best pay and most benefits.
Technological progress sped up, and companies found ways to produce their goods more efficiently with machines, rather than human power.
As fewer people worked in factories, unions gradually lost their clout, with the exception of the public sector unions.
Some recent improvements in working conditions have taken hold because of a tightening job market. Still, in general, job security is almost non-existent. Raises are few and far between. Employee benefits, pensions etc., have gradually gone away. The income gap between rich and middle class grows wider. The middle class is declining.
Perhaps, with a strong economy and companies unable to find enough workers, labor feels emboldened.
The lesson here might be that, for as long as it took for unions to gain power in previous decades, workers may not want to wait for that to happen again.
If you have a job that doesn’t pay you enough, or give you enough benefits, you might want to find some part-time, off-work hours in your schedule to check out the many ways to earn money that doesn’t involve a W-2 job. To check out one of the best, message me.
Organizing labor is risky, as the article points out. The way things are, or the way things are headed, may make workers believe it’s worth the risk to organize.
Remember, whatever choice you make, think it through and make sure it’s the right thing for you to do. There are ways to bolster your financial future with much less risk.
Peter

DECISIONS FOR A SECURE RETIREMENT

#retirement #SocialSecurity #PensionFunds #pensions
Recent reports and studies have Medicare funding drying up by 2026, with Social Security only secure for a few years after that.
Geoff Mulvihill reports that many pension funds for public workers already owe far more in benefits than they have in the bank. His article for the Associated Press was published May 26,2018, in The Atlanta Journal-Constitution.
Just two days later, the Atlanta paper published an article by Susan Tomor for the Detroit Free Press discussing how to become a 401(k) millionaire. In summary: start saving at a young age, consistently, from every paycheck you receive. Also, if you get raises, put those in the bank, too, and don’t touch the money, except to reinvest or improve your investment portfolio.
We’ve all heard the stories about people at or near retirement age who have very small nest eggs stashed away.
Obviously, they did not make that a priority as they’d gone through various life stages – marriage, children etc. Some of them might argue that there is no way they could have saved money and dealt with whatever life threw at them.
For the young person, making retirement saving a priority is essential if, of course, you don’t want to be broke in your elder years, when you might have the time to do things that you never had time to do as a youth.
It really doesn’t matter what you earn. It matters only that you take what you earn and use it wisely.
Spontaneous – some might call it frivolous – spending ought not be a big part of your life. Knowing where every cent you have is going is essential. Of course, a life of complete amusement deprivation is not good either. But choose your fun wisely, as cheaply as you can.
Check you daily expenses. Are you buying your lunch at work every day? If so, bag your own. Are you making daily coffee shop runs? Buy a Thermos, brew your own and take it with you.
Are you ending your workweek with “happy hour?” Why not have you, and your friends, pick someone’s house, each buy a favorite beverage or snacks, and gather there instead of at your favorite watering hole.
Of course, not everyone has to cheap out. But for those who insist they cannot afford to save money, it has to become a conscious decision.
Even bigger life decisions, such as how many children to have, and when, should be considered as part of creating a financial future.
Young folks, too, have to decide when, or whether to buy a home. It may be considered part of The American Dream, but there is no shame in renting, if that works better for you. On the other hand, a house can be an investment you could use later as part of your overall net worth.
If you are older, and think you are out of luck now, or even if you are younger and are looking to secure your future, there are many ways out there to earn a decent, potentially lucrative, income by spending a few part-time hours a week. The bonus: if you are diligent and consistent, it’s money no one can take away from you. To check out one of the best such vehicles, message me.
The lesson to learn with these various reports on retirement is that a secure financial future is in no one’s hands but yours. Take charge. Use what you have, to the best of your ability. Perhaps even be open to looking for things that may help boost your future.
As the adage goes, if it is to be, it’s up to me.
Peter