#shepherds #GoodShepherd #ServantLeaders
In the Christmas story, the angels heralded the birth of Jesus first to shepherds.
Why shepherds, rather than more important people of the time?
Kyle Wingfield, columnist for The Atlanta Journal-Constitution, tackled this matter in his Christmas Day column of 2016.
As Wingfield puts it, shepherding was among the dirty jobs of the era, done by men of the humblest and lowliest stations in life.
But it’s so appropriate that shepherds were the first to know. Moses and David were shepherds before they became biblical heroes, Wingfield writes.
And, more importantly, the double symbolism in the story is that Jesus called himself “the Good Shepherd.” He came from humble beginnings, and circulated among, and died for, the humblest among us. As Wingfield put it, he was the ultimate example of a sacrificial leader. The ultimate shepherd.
Regardless of one’s religious beliefs, the story offers an example for all of us. Real leaders first are servants. They jump into the dirtiest of tasks if they need to. They don’t ask of others what they would not do themselves.
Most of us would strive to be servant leaders. Servant leaders look not at what’s in it for themselves, but they look first at what they can do to help others succeed.
If they do that, then success usually finds them.
Perhaps you think that your current position does not allow you to be a servant leader. Instead, your position makes you be more like, well, just a servant.
But one can be a leader, while being a servant. He or she can set the example for those around them. He or she can show others how to be a good person, or, as it were, a good shepherd. Remember, as Wingfield writes, that shepherding was a pretty lowly job back in the day.
Then, there are those who seek to do more with their lives. They want to step up from what they are doing now, and be a shepherd in a new way – one that could have even more impact on others’ lives. Perhaps they want to help others succeed in a way that they, or those whom they help, would have never dreamed of.
If that describes you, there are many ways out there for you to step out, and step up, that you might not have thought about. To learn about one of the best ways to do that, message me.
Meanwhile, by extending a helping hand in your life as it is now, you will be on your way to becoming a good shepherd.
“We don’t like to think of ourselves as sheep,” Wingfield writes. “It’s something of a slur among those who reject (the elites). But we are all in need of shepherds. Good ones. The kind who set aside pride and self-interest to put others first,” Wingfield writes.
In short, be a good shepherd in your own way. Never forget that serving is leading. Never condemn your station in life. Instead, work to improve it if you must. Don’t let the naysayers and fear mongers bring you down.
For in this season, and all others, there is so much joy to be shared.
Peter
Tag Archives: The Atlanta Journal-Constitution
WHY SO PESSIMISTIC, AMERICA?
#recession #unemployment #optimism
“In America today, women are liberated, while combined individual wealth is the highest in the world – China, in second place, barely has 35 percent of what we do.”
So writes Jack Hunter, politics editor for Rare.us, in a column published Aug. 28, 2016, in The Atlanta Journal-Constitution.
So why are so many Americans bummed out? Hunter asks.
The first reason, Hunter suspects, is that the country still hasn’t recovered fully from the 2008 recession.
“Comparatively low unemployment numbers mask massive workforce dropouts, and, while sage stagnation is partially a myth, pay still hasn’t risen as consistently as it might have,” Hunter writes.
He also blames the bombardment of the 24-hour news cycle, on which tragedy predominates. Finally, he blames a “tin-eared” government and political class that has little in common with those they regulate.
Let’s break down how things are. The recession produced gobs of unemployment. Those who have found new jobs in many cases are not being paid nearly what they were being paid beforehand. Many who haven’t found jobs have given up looking.
Despite good job availability in some areas – most big rigs on the road are advertising the need for drivers, for example – people either aren’t taking advantage of those openings, or may not be qualified to take those jobs.
Couple that with the fact that truck driving, in most cases, doesn’t pay what it once did, even though the work is just as hard, or even harder given the increased traffic on the roads. That’s a disincentive to wanting to take the jobs.
Eventually, wages will start to increase as demand for labor increases.
Although “now hiring” signs are popping not just on the trucks, but at other places of employment, most of the available jobs are those with which one would have difficulty making a living. Many people are cobbling together a couple of part-time jobs to try to pay their bills. Folks like these are not going to necessarily embrace what’s good about America.
The news cycle spends lots of time on bad news, but the bad news has to be reported. Many news outlets try to balance off the bad news with some good, uplifting stories. Hunter talks about America’s success at the 2016 Summer Olympics as one of those uplifting stories.
Certainly, a polarized government like ours will be slow to solve problems, but the cure for most of the country’s ailments lies outside the government’s wheelhouse.
So, on balance, life is pretty good for a lot of people. If you don’t believe you are among them, there are ways in which you can act to improve your situation. There are many ways potentially to make money without the benefit of a traditional W-2 job. To find them, you first have to be willing to look, perhaps, outside your comfort zone. If you’d like to check out one of the best, message me. You might see how people perhaps just like you took their futures into their own hands and helped others do the same.
To get that positive mind-set, look for the good things in your life – friends, family etc. Focus on those. Then, begin to do all that YOU can to find a solution to the problems in your life. The holiday season is perhaps the best time of year to do that. The joy of what is good shines at Christmas, and that joy can spark optimism for the new year.
Remember, too, that, for most of us, there is no great benefactor out there. We must provide for our own futures. If you see life that way, you’ll be better equipped to celebrate the ups and deal with the downs.
Peter
DIGITAL AGE BRINGS 2 TRENDS
#trends #DigitalAge #crime #technology
Youth culture has become less violent, less promiscuous and more responsible.
So writes New York Times columnist Ross Douthat.
He wrote that American childhood is safer than ever before, as teens drink less and smoke less than previous generations.
Violent crime, a young person’s temptation, had fallen for 25 years before the recent post-Ferguson homicide increase, he writes, in a column published Aug. 23, 2016, in The Atlanta Journal-Constitution.
At the same time, he writes, adulthood has become less responsible, “les obviously adult.” For the first time in more than a century, more 20-somethings live with parents than in any other arrangement.
Certainly, the recession of 2008 contributed to that. But Douthat also points out that the helicopter parent phenomenon, in which parents hover over their children by doing things the children should be doing for themselves, has contributed to the slower maturation process.
Douthat attributes these two trends to technology. “This mix of youthful safety and adult immaturity may be a feature of life in a society increasingly shaped by the Internet’s virtual realities,” he writes.
Let’s explore Douthat’s hypothesis.
When kids spend hours playing video games and otherwise sitting at computers, they are not out getting into trouble. At the same time, they are not out seeing what real life is all about.
A number of experts have written and spoken about the different groups in the workforce, with older workers, millennials and Gen-Xers all needing different things, and all motivated by different things.
But if you are among the older crowd, imagine hiring a 20-something who not only had never had a job, but also hardly had been out of the house in their formative years.
Imagine, too, the experts telling you that YOU have to change the way you do things to accommodate these kids.
Train them the way you were trained, they say, and they won’t last.
Not only are there psychological and mental differences in these kids, many are physically incapable of qualifying for many jobs. The police, fire and military usually have openings, but even if you bring back the draft, many of the recruits are not physically capable of enduring the rigor of military training. You’d probably kill them, literally, before you whipped them into shape.
Think, too, of the social aspects these kids bring. It’s tough to go out on dates when you are sitting at a computer for much of your life.
Of course, not all kids are like that. Some are ambitious, and are looking at bright futures. While others are taught to settle, they dream of what could be if they work for it.
If you are one of those kids, there are many options out there to fulfill those dreams. To check out one of the best, message me. You might come across a story of an 18-year-old high school senior who made more money than any of his teachers.
Technology is both good and bad for us. It is up to us, at every age, to take full advantage of the good while overcoming the bad. Young people must learn skills that will give them a leg up in the work force, while, at the same time, getting up, getting active and interacting live with friends, family and others.
Peter
INSURANCE BUSINESS CAN BE MESSY
#insurance #healthinsurance #riskmanagement
The insurance business can be messy and complicated.
Some insurance is mandated. For example, a minimum amount of auto insurance, usually liability insurance, in case someone else gets hurt, is required in most states.
Health insurance, under the Affordable Care Act, is now mandated. We can certainly debate the necessity of that – perhaps later.
Life insurance may be the only one that is completely optional, meaning it’s not mandated and many people can live without it.
But even if insurance isn’t mandated, it may be – or should be – something we can’t really live without. When a person doesn’t buy flood insurance because it’s too expensive, but lives in a flood-prone area and gets flooded, many thoughts crowd her mind, and the minds of others watching. Those others watching may want to help, but may cringe at a Go Fund Me request to help HER. They might prefer to help the responsible folks take care of necessities that their flood insurance may not cover.
As for health insurance, the business model may seem complicated.
All insurance business models are about “risk management,” which may seem like a vague term to most, but we’ll use health insurance as an example as we break it down.
The health insurer collects premiums from folks who are healthy, and not making any, or are making very few, claims. When a person gets to a point in his life that he needs to make perhaps significant claims, those premiums he paid all those years may not matter.
The insurer will use all kinds of gimmicks, technicalities and even trickery to find ways to either not pay a claim, or pay as little as possible. They may often put consumers, already dealing with what ails them, through an incredible process to get their money. The more daunting the process, the more likely people will give up.
Remember this: just as consumers don’t like to be put through a wringer to get what they are owed, the insurers don’t like to be pestered day in and day out, either. The rule of thumb: if your policy says you are covered, fight for what you are owed. If the company doesn’t pay, sue.
Then, we have the standoffs between providers, usually big providers who may be the only game in town, and insurers over fees, reimbursements etc. You see insurers use their leverage to give the least to the provider, and you see the provider using its leverage by not taking the insurer’s policyholders as patients.
Remember, an insurer’s promise of coverage with your provider is made to be broken. In standoffs like these, the patients (policyholders) suffer and no one cares.
New York Times columnist Paul Krugman wrote that despite the exit of some big insurers from the Affordable Care Act marketplace, the law is working well, reducing the number of uninsured Americans considerably. His column was published Aug. 22, 2016, in The Atlanta Journal-Constitution. Though some insurers’ exit from the marketplace is a concern, Krugman says the problem can be fixed if people can learn to work together to do so.
The U.S. is the only major nation in the world in which health insurance is left up to the free market. Some advocate that we move to the single-payer system, in which we’d all have health insurance through the government. There are pitfalls here, too.
The insurance industry provides many, good-paying jobs. Many of those would be gone in a single-payer system. Drug and device companies rely on their U.S. profits for much of the money that goes to researching new and better treatments.
What to do? Determine what insurance you need and buy it. You may have to give up some pleasure and deal with some messy situations along the way, but going without can create far worse consequences. Remember the Fram Oil Man ads: pay me now, or pay me later.
If you are having trouble paying your premiums, look for other ways to make money. There are many part-time options out there that could even give you enough to surpass your main income. To check out one of the best, message me.
Insurance is messy. You may have to shop around frequently for the best deal, but paying penalties, or just taking the risk that you won’t need it, is a recipe for disaster.
Peter
IMMIGRANTS BENEFIT ECONOMY
#immigration #prosperity #workforce
Believe it or not, to quote the first line of a newspaper editorial, “immigrants are not the enemy.”
The Tennessean newspaper in Nashville commented on reports compiled by the bipartisan Partnership for A New American Economy showing how immigrants are contributing to the workforce, tax rolls and the overall economy, the editorial reads. It was published in the Aug. 14, 2016, edition.
In Tennessee, the newspaper says, 300,000 residents are foreign-born, or nearly 5 percent of the state’s population. But, they make up 6 percent of the state’s workforce, the editorial says. In 1990, immigrants made up only 1.2 percent of Tennessee’s population.
The editorial cites some notable stats from the report:
• Immigrants annually earn $7.9 billion, pay $493 million in taxes and have the spending power of $5.9 billion.
• They make up 7.8 percent of entrepreneurs.
• They are 32 percent more likely to work than the native-born population (57.8 percent of employed immigrants vs. 43.7 percent of employed natives.)
• Immigrants make up 7 percent of jobs in science, technology, engineering and math (the STEM skills).
Meanwhile, in an article published in The Atlanta Journal-Constitution Aug. 15, 2016, Tim Henderson of the Tribune News Service writes that many officials in small towns nationwide that have lost population in recent years are asking that refugees from the Middle East and elsewhere be relocated to their towns to take jobs they can’t fill, live in apartments and houses that are now vacant and to shop in local stores. The refugees will take the places of native-born residents who’ve moved elsewhere in large numbers.
Immigrants have basically gotten a bad reputation. Some see them as moochers, stealers of benefits and taking opportunities away from native-born Americans. The report, on which the Tennessean editorial was based, tells a different tale.
“(Undocumented workers) are demonized for their legal status, but overall they are giving back more to society than they are getting back,” the editorial says.
Undocumented workers, “though they don’t directly benefit from federal and state aid, but they annually earn $2.1 billion, pay $250 million in state and federal taxes and have $1.8 billion in spending power, “ the editorial says.
Immigrants do jobs native-born Americans won’t do. They are doing many highly technical jobs – not just manual labor – that relatively few native-born Americans are qualified for. Many get their training here, and overstay their visas.
The economic partnership that compiled the Tennessean report is aiming for sensible immigration reform.
It’s easy to blame immigrants, or something else, for one’s hard times.
It’s much more difficult to look for one’s own solutions to the hard times.
If you are looking for something to come into YOUR life that will change things for the betterment of you, there are many such vehicles out there. To check out one of the best, message me. You’ll see people from various races, and nearly all backgrounds, who have taken a step to turn their own lives around.
The economy is changing in ways that we can’t revert. One either has to accept that change and ensure that they can have what they want as the economy changes, or they can blame various people and institutions for their hardship.
If one thinks about it, one can only hope we all choose to accept and ensure. The next time you are working with, or being serviced by, someone who may not look or talk the way you do, know that the person is contributing greatly to the economy, and to the well-being of all of us.
Peter
FRANCHISEE DRIVES FOR UBER AS HE WAITS FOR HIS FRANCHISE TO GROW
#Uber #franchisees #franchises
It appears Uber is more than a ride-sharing service.
It’s a good part-time job for those starting franchises and waiting for them to grow.
Lindsay Moore, reporter for the Pittsburgh Post-Gazette, discussed how one man, Erik Lingren, decided to go from unemployed, to a Menchie’s Frozen Yogurt franchise owner, while driving for Uber part-time.
The story was published in the August 7, 2016, edition of The Atlanta Journal-Constitution.
When one buys into a franchise, it can take a while before the franchise makes enough for the owner to make a decent living.
In Lingren’s case, he went from one store to two, employing 18 and planning to add another 12 to 15 employees, Moore writes.
Between working on his franchises and driving for Uber, Lingren works 60 to 65 hours a week, Moore writes.
Besides having to set up a franchise and wait for it to grow, there’s another rub. The average Menchie’s store costs between $229,557 and $425,310 in startup costs, Moore quotes from the company’s Web site.
Not everyone who suddenly loses a job has the ability to jump into a franchise.
If you’re at a crossroads in your life, or, as Lingren calls it, a bridge, but can’t just jump into a franchise, there are other ways out there to make money without having a traditional W-2 job, and without having to dump your life savings, or borrowed money, into startup costs. To check out one of the best, message me.
Here’s a bonus: you have the opportunity to build an income that could surpass that from a traditional franchise, without the employees, overhead, inventory and other headaches. The startup cost is nothing close to that for a Menchie’s franchise.
Lingren actually likes driving for Uber. Moore writes that he intends to keep his ride-sharing account active as his frozen yogurt empire expands.
As job security becomes elusive for many, it’s important, too, that while you are working you save as much money as you can.
Put the money you save into investments that are comfortable for you, and get good, trustworthy advice.
If you’re a fro-yo fan, or a fan of another type of franchise, the money you save could allow you to buy in, should your job go away.
Though it is admirable to help others by creating jobs for them, managing people can be difficult. Making sure your business has everything it needs can keep you up at night.
Working part time as a driver as you wait for your business to grow may not be ideal.
A better idea might be to participate in something you can do part time with little sweat while you still have a job, that could produce an income that would allow you to walk away with a smile if your job suddenly goes away.
Peter
GREETINGS: HOW THEY’RE PHRASED CAN SEND DIFFERENT MESSAGES
#greetings #messages #DifferentMessages
So how was your weekend?
Robert Lentz of Business Management Daily took on this greeting and phrased it in different ways.
“Good weekend?” says you don’t care about details. You are just being nice, Lentz wrote in an article published Aug. 7, 2016, in The Atlanta Journal-Constitution.
“Did you have a good weekend?” That conveys more courtesy, Lentz writes.
“Did you do anything interesting this weekend?” commits you to a conversation, writes Lentz.
“What did you do this weekend” demonstrates actual interest in someone’s life, according to Lentz.
We greet each other in different ways for different reasons. Sometimes, we really don’t want to know how someone is, or what they have done, but ask anyway, just to be nice.
Other times, we genuinely want to know how someone is doing, or what cool things they have done, and really want to talk to them.
It’s not just how one greets people. It’s how one responds to a greeting.
If someone asks how you are, do you respond positively and with enthusiasm?
If someone asks you what you did over the weekend, do you proceed to tell them in great detail, whether you think they want to know or not?
Greetings, and responses to them, don’t just have different meanings, they say a lot about people.
If things aren’t going well in your life, do you want to dump your problems onto others, or do you want others to think all is well with you?
It’s best to have an attitude of gratitude. It’s best not only to be positive and enthusiastic around others, but to actually feel that way.
Sometimes, when you are going through a rough patch, it takes work to remain positive. A rule of thumb here is to always think about the GOOD things in your life, to get you through those rough patches. It may be easier said than done, but it can be done.
If you ask someone how he or she is doing, or how his or her weekend was, take a genuine interest in what they say, and invite conversation. Sometimes, that one conversation could uplift you, especially if you have hit a rough patch.
If you’ve hit a financial rough patch, there are many solutions out there. Message me if you want to know about one of the best. You’ll learn about lots of happy people who’ve built great relationships and solved their financial issues.
Happiness can take work, but it is well worth it. The next time someone asks how your weekend was, respond with enthusiasm and be curious about how that person’s was.
That may not only brighten your day, but it might enhance your life.
Peter
WOMEN EARN LESS THAN MEN IN RETIREMENT
#WomenInRetirement #EarningsOfWomenVs.Men #jobs #layoffs
During their working years, women tend to earn less than men.
When they retire, women are more likely to live in poverty.
So says an article by Adam Allington of the Associated Press, published in the July 11, 2016, edition of The Atlanta Journal-Constitution.
Women who raised children and cared for the sick and elderly family members often take what savings and income they have and spend it on something other than their own retirement security, Allington writes.
He quotes the National Institute on Retirement Security, which reports that women are 80 percent more likely than men to be impoverished at age 65 and older. Women 75 to 79 are three times more likely, Allington writes.
“I’ve had jobs that included a 401(k) and I was able to put some money aside every month,” Allington quotes Marsha Hall, 60. “But then I would get laid off and have to cash out the 401(k) to have money to live on,” he quotes Hall, who was born and raised in Detroit, is divorced and has no children.
Hall works part time as a file clerk, and she and her siblings chip in to care for their 75-year-old mother, Allington writes.
“If it wasn’t for Section 8 (a housing subsidy), I don’t know where I’d be living,” Allington quotes Hall.
Many men also have undergone a layoff in the last few years. Many families have lost their homes and have had to liquidate some, if not all, of their retirement savings.
Some see themselves scraping together a living via Social Security, part-time or even full-time jobs well into their golden years – presuming they can find those. For many, trying to reproduce the income they had in a job they lost is nearly impossible, as they see it.
Fortunately, there are solutions out there that can produce an income – even a better income than one has ever had – that don’t involve subsidies, or working at a traditional W-2 job in your golden years, and allow a person to help others do the same. For one of the best, message me.
Traditionally, women have borne the brunt of caregiving. They have also, in many cases, had to take off some work time to have children.
Much research has shown that, in general, they have also earned cents on the dollar vs. men.
These phenomena may have put women behind in earnings, thereby putting them behind in terms of retirement savings.
But both men and women are facing what Hall has faced in recent years: layoffs and not being able to replace a lost job with one that yields as good or better income than what was lost.
It’s important for everyone to have a Plan B in case the worst happens. If you have a good job, stay with it and save as much of your income as you can. Invest those savings well, with the help of a trusted adviser. If life forces you to take a break from work, try not to deplete those savings, though that may be easier said than done.
Most of all, make a secure retirement a priority in your life by spending less and saving more.
Peter
TRANSFORMATIONAL CHANGE NOT ALWAYS GOOD, BUT …
It may not have been as devastating as the Great Depression, but the recession of 2008 changed a lot of lives, in many cases, not for the better.
As New York Times columnist David Brooks writes, after such a change, “a certain number of people are dispossessed. They lose identity, self-respect and hope.
“They begin to base their sense of self-worth on their tribe, not their behavior,” he continues.
“They become mired in their resentments, spiraling deeper into the addiction of their own victimology,” he adds.
Brooks discussed this in relation to national politics in a column published July 15, 2016, in The Atlanta Journal-Constitution.
If you were dealt a blow sometime around 2008, or since, you probably can relate.
Perhaps you lost a job, and haven’t been able to find one that pays you anywhere close to the job you lost. Perhaps you lost your house.
You keep hearing that things are getting better. The economy is picking up, say the experts. Yet, you don’t feel it.
You tend to blame people, or things, that really are not to blame. Even the employer who canned you, if that happened to you, probably was forced to.
Bear this in mind: blaming takes valuable energy away from solving the problem at hand.
Blaming is also easy. Solving the problem may be more difficult.
You may also hear that employers WANT to hire more people now. Yet, you are not among those they are looking for.
An example might be that police forces and the military are looking for new recruits. But you might not be the best candidate for that because, for example, you are too old. Even if you are the right age, perhaps you are not in the kind of physical shape to deal with the rigors of the job.
Perhaps you’ve just graduated college, with a good bit of debt, but employers want something more than just your raw brain to train. They want built-in expertise that you don’t have.
Therefore, you feel you have nowhere to turn. The natural instinct is to blame.
However, there are many ways out there to take your problem into your own hands, and help others do the same. For one of the best, visit www.bign.com/pbilodeau.
The economy is going through a transition to the information age. As Brooks points out, it went through something similar in the 1880s, when it transitioned from an agriculture base to an industrial base.
“America still has great resources at the local and social level,” Brooks writes. He believes local is more powerful.
When a natural disaster befalls us, we must decide to rebuild or move. The choice is clearly in our hands. In this era, we have choices. The choice to be a victim is not healthy. The choice to take matters into our own hands, perhaps with the help of great local resources, is preferable.
Doing so may mean changing what you did, and how you did it, or getting used to something new, different and, at least at first, uncomfortable. But it can be done if you just look for the right vehicle for you.
If you have the urge to blame, remember this: You can’t embrace what is gone forever. But it can help you embrace what comes next.
Peter
COLLEGE GRADS’ JOB PROSPECTS IMPROVING? DON’T STAND AND APPLAUD YET
#CollegeGrads #employment #jobs #StudentDebt
It may be the best time to graduate college since the Great Recession. But they are still not great.
So writes Ruth Serven of The Kansas City Star. Her story was published July 3, 2016, in The Atlanta Journal-Constitution.
The unemployment rate for college grads is less than 5 percent, and job prospects are getting brighter, Serven writes. But 45 percent of those recent grads have jobs that don’t require their degrees, according to the Federal Reserve Bank of New York, Serven writes.
Though there is more work available, grads still face stagnant wages and the highest debt load ever, the article says.
In fact, 42 million people owe $1.3 trillion in student debt, according to the cover story in the August 2016 issue of Consumer Reports magazine, which condensed and reprinted an article by Reveal from The Center for Investigative Reporting.
“I feel I kind of ruined my life by going to college,” the CR article quotes Jackie Krowen, 32, of Portland, Ore., who owes $162,000 in student debt.
We’ve recently discussed this topic in this space, but it bears hearing another perspective.
Many graduates are coming out of college with debt the size of a home mortgage. How can they be expected to 1) buy a house? 2) begin saving for retirement? or 3) buy some of the essential things they need to live a decent life?
On top of the debt, the students’ expensive education is not giving them work that would be worth the investment, in many cases.
Also, some students are getting calls at all hours with prods, if not threats, to make payments on that debt.
Though most consider a home mortgage not just productive debt, but an actual financial vehicle, college debt, without having a commensurate job to make its burden light, is not productive debt.
Certainly, all education has value. But some education has more value than others. If a student goes on to be a doctor, for example, and goes into debt to make that happen, that’s, more or less, expected.
A medical practice can be lucrative and usually, before the doctor gets too old, it is usually paid off. Some even practice medicine in less lucrative places, in exchange for some eventual debt relief, among other inducements.
But if one studies, say, the liberal arts, and goes into debt to pay for that education, it’s very possible, even likely, that, if he gets a job at all, it will not be terribly lucrative. The student debt, therefore, becomes perhaps a lifelong burden. As that student ages, the burden may be so great that he will retire with little or nothing to help him get through old age.
Fortunately, there are solutions that don’t involve stiffing one’s debtor. There are ways to earn an extra income for a few part-time hours a week that might not only pay better than the job you are doing, but has the potential to make you financially free eventually. For one of the best, visit www.bign.com/pbilodeau.
By all means, before a student decides to go to college, sit down with parents and other advisers and do the math. If you have to borrow money to cover most of the costs, think about how you would pay it back. If you don’t have a good answer, reconsider your future.
Colleges and universities, too, should contemplate their futures. How good would it look to produce thousands, even millions, of graduates that are so crushed with debt, they’ll be paying on it forever? Someone needs to retool education to prevent this.
We have a love-hate relationship with education. We may love it while we’re in school, but, when we graduate, often we don’t love it nearly as much.
Peter