#trust #retirement #saving
America has an issue with trust, and it’s getting worse.
So said a headline in the Feb. 14, 2016, edition of The Atlanta Journal-Constitution.
The headline was over an article by Gail MarksJarvis, personal finance columnist with The Chicago Tribune, and author of “Saving for Retirement Without Living Like a Pauper or Winning the Lottery.”
MarksJarvis wrote about Richard Edelman, president of the Edelmen public relations firm. He spoke to a group of CEOs about trust, and why fewer and fewer people are trusting big institutions, be they government, corporations or other large entities.
“Economists have been troubled throughout the recovery (from the 2008 economic collapse) that even though incomes were slowly rising and households should have more pocket money now that gas prices are low, spending hasn’t followed the expected trend. Consumers are increasing their saving and being careful about spending,” MarksJarvis writes.
Of course, the CEOS want to know about this because they want to sell more of their products and services. They want to know how to get people to part with more of their purses’ contents.
Remember, a few years before the collapse, we were told that people weren’t saving enough? After the collapse, for many, saving became even more difficult, so we still have a real problem with people not having nearly enough put away for retirement, or even enough for emergency expenses that are crucial to life.
Now that some of those folks are “recovering,” they are beginning to save more. This has to be good for most of us, albeit not so good for businesses.
Who would have thought that the big drop in gasoline prices would have Wall Street in a tailspin? Turns out that companies who went out looking for new sources of oil, natural gas etc., borrowed lots of money to do it. Now, as oil prices have sunk, these companies are having difficulty paying their debts back. That’s having an effect throughout the economy.
Through all this, it seems, Americans have become jaded and have no faith that the institutions of community are looking out for them. It’s certainly OK to be skeptical, but when skepticism turns to cynicism, everyone, eventually, gets hurt.
The lesson here is to look for people and institutions you feel you can trust, and work with them. Continue to spend carefully, and save aggressively. Also know that no matter how much money a corporation makes or saves, your job, if you have one, could still be in peril.
If you are scared, or angry, at what you see happening in the country or around the world, take a breath. Americans still have a great capacity for turning miserable circumstances into wonderful success. If you’d like to be part of that turnaround, and see yourself as success waiting to happen, visit www.bign.com/pbilodeau. You’ll find stories of people from all walks of life who have turned their difficult circumstances into powerful success.
As the title of MarksJarvis’ book suggests, you CAN save for retirement without impoverishing yourself or winning the lottery. It takes discipline and careful spending – things Americans seem to be doing.
Sometimes one has to look hard to find someone, or some institution, he or she can trust to look out for him or her. They are out there, but one has to keep looking and not get discouraged.
Peter
Tag Archives: The Atlanta Journal-Constitution
WHAT WE LEARN IN HIGH SCHOOL
“When I think back on all the crap I learned in high school, it’s a wonder I can think at all.”
Paul Simon lyric from “Kodachrome”
#HighSchool #learning #education
What did you learn in high school that you use today?
Perhaps you use some household math. Perhaps, if you took vocational courses, you use what you learned in auto mechanics, machine shop etc.
Most of us, though, would be hard pressed to think of much that we use today from our high school learning.
As it turns out, high schools were designed more than a century ago to produce efficient workers who could follow instructions, according to Ted Dintersmith, venture-capitalist-turned reformer.
“Henry Ford did not need creative, bold innovative assembly-line workers,” Dintersmith said.
Maureen Downey, education columnist for The Atlanta-Journal Constitution, took on the topic of high schools in a January 2016 column. She interviewed Dintersmith as part of it.
Now that the U.S. economy has changed from manufacturing to innovation, have high schools changed with it? Downey asks.
Downey points out that most of us believed that basic jobs, such as truck driving and delivery services, were immune to change as technology advanced. But Google’s self-driving car and Amazon Prime Air delivery drones are changing that.
So that begs the question: will high schools change the way they educate to conform to the changing economy, and the changing technological requirements?
Today, a high school education is not good enough, in many cases, to land a good-paying job. Even some who graduate college are finding they cannot parlay their brainpower into an economically exhilarating career.
So will high schools become irrelevant? Will some college curriculums become an expensive luxury?
Let’s break down the concept of education. Throughout most of our years in school, we learn “things.” We were expected to spit back those “things” on tests, to get our grades. Now, with technology, the “things” we were taught are available at our fingertips. What we really need to know is how to take those “things,” turn them first into ideas and then into action. In other words, gather your “things,” go forth and innovate.
It’s tough to put a finger on those jobs that will never go away. Perhaps some of you have had jobs you thought would never go away, but have. Were you replaced by a machine? Did what you do become irrelevant to the company as technology changed? Or, more likely, did the company just find it too expensive to keep you, so it figured out a way to do without you?
All those “things” you learned help you in trivia games, but they don’t move you forward in a changing world.
Let’s look further into colleges. We are starting to hear that the liberal arts is virtually useless in terms of finding one a job. We are hearing that the STEM programs (science, technology, engineering and math) are the only really employable fields to get into. But we all know that not everyone is cut out for those fields. So what is a person who wants to study the arts to do?
There are many ways to earn money while one pursues his artistic passion. For one of the best, visit www.bign.com/pbilodeau. You may find a way to work full time on your passion, and part time on your fortune.
We will always need people to do basic jobs. But those jobs hardly create lucrative careers. Are you learning to think the way innovators do? Or, are you just learning “things,” or how to follow orders?
Schools will eventually have to catch up with the rest of the world. In the meantime, if your school isn’t doing what you think is right for you, use your time outside of school to make things right by you.
Peter
HOW OTHERS SEE NEW YEAR’S RESOLUTIONS
#NewYearsResolutions #SuccessAtWork #WorkBetter
What do you want to do to make your life better in the new year?
Sure, most of us want to lose weight, but, if you are like most, you say that every year and it doesn’t happen. A few disciplined folks reach their weight goals, or come close, and should be congratulated.
Rex Huppke, who writes for the Chicago Tribune, has a great New Year’s tradition. He turns his column over to some wise folks he has met and interviewed in the past year, and lets them share their thoughts and advice about the workplace. His column was published in the Jan. 3, 2016, edition of The Atlanta Journal-Constitution.
Sharon Salzberg, co-founder of the Insight Meditation Society and author of “Real Happiness at Work,” says we often fixate on unrealistic goals – resolutions – that prioritize perfectionism over self-forgiveness. Because of the stress in a normal workplace, she recommends setting goals that compassionately acknowledge the ups and downs of the journey toward our goal, Huppke’s columns says.
In other words, give yourself a break. We can’t predict what will happen in the next few minutes in the workplace, never mind over the next year. Priorities change. Duties change. Bosses change. Salzberg suggests cultivating positive intentions. Do what you can to roll with the situations, and contribute what you can to make whatever happens as smooth and successful as possible.
Meanwhile, Heidi Grant Halvorson, psychologist and author of “No One Understands You and What to Do About it,” says you don’t have a clue what others really think of you. But, research has shown that others don’t think of you the way the way you think of yourself.
She recommends learning how you come across by asking some whom you know well. It may be the first step toward having people “get” you.
Avraham Kluger, professor of organizational behavior at the Hebrew University of Jerusalem, suggests learning how to be a better listener, and describes how to do that. Practice on folks to whom you might not want to listen to, and let that person know you are practicing your listening skills. (You don’t have to tell them that you don’t like listening to them).
Other experts have suggested that you become more likeable if you listen more, and talk less.
Huppke lists several other ideas from experts on how to make 2016 as good as it can be for you in the workplace. Whatever your job, know that it is up to you to make your time in the workplace as pleasant, as meaningful and, yes, as productive as possible.
In years past, workers cared only about getting their hours in, with little regard for what they did in those hours. In today’s workplace, marking time by itself won’t cut it. Even if you see others doing it, don’t believe that you will get away with it. Today’s jobs are fluid, and fleeting. They change on a dime. Workers either have to adapt, or leave.
Of course, if your time at work is giving you little or no reward, financial or otherwise, there are many other ways to earn money outside of that job. For one of the best, visit www.bign.com/pbilodeau. You may see something a bit out of your comfort zone, but success is almost never created from comfort.
If you like your job, and find it fruitful and fulfilling for YOU, you are very fortunate. Still, never presume it will last as long as you want it to. Always have a Plan B in mind in case the worst happens. It’s unlikely that if the worst happens, you will know it in advance. It often comes as a shock.
So try to become a better person at work this year. You may find fulfillment you’d never imagined. You may find success you thought was never possible. You might even find something other than money that gets your juices flowing.
Have a happy 2016 with whatever you decide to work on.
Peter
THE SINCERE PLEASURE AND AUDACITY OF GETTING OLDER
#gettingolder #gettingold #aging
Young people worry about everything – their looks, their climb up the corporate ladder, how their children will turn out etc.
For Dominque Browning, who recently turned 60, aging has become liberating. All those things she worried about in her youth she now finds almost laughable. Oh, and her excuse? “I’m too old for this,” she says.
Browning tackled the topic of aging in a liberating way in a New York Times article. It was also published in the summer of 2015 by The Atlanta Journal-Constitution.
As a young person, you tend to believe that you want to be young forever. You hear older people lament that “youth is wasted on the young.” In other words, you’d love to have had the wisdom and years of knowledge that you have at age 60 when you were, say, 30.
Browning writes that a younger woman advised her that “old” may be the wrong word. Perhaps at 60 she is too wise for this, or too smart for this. “But old is the word I want,” she writes.
“I’ve earned it.”
She writes that women inflict torture on themselves by obsessing about things. “If we don’t whip ourselves into loathing, then mean girls, hidden like trolls under every one of life’s bridges, will do it for us,” Browning writes.
Instead, she writes, one should be happy that the body one has is healthy, presuming it is. She says she’s too old for skintight jeans, 6-inch stilettos, tattoos or green hair.
Let’s look at the wider picture. Let’s say you are 50 years old, and have been told you are no longer needed at your job. You look at other jobs, perhaps ones that may be more physically demanding. Do you tell yourself, “I’m too old for this?”
Or, do you take on one of those jobs to prove that you aren’t too old, presuming the employer hires you – and there’s certainly no guarantee of that.
Employers generally see age as a disadvantage, no matter what the job. They may not be allowed by law to discriminate, but there’s nothing telling them they can’t tell you – the older worker – that they have chosen someone else. If you try to prove age discrimination, good luck. You’ll need all the evidence you can find, and you still may not succeed.
So what to do if that predicament arises at 50? Or even younger? There are many ways out there to earn money, without a traditional job. For one of the best, visit www.bign.com/pbilodeau. If you like what you see, you might be able to one day gleefully show the employer who dumped you that you didn’t need him after all.
Imagine seeing your children, or younger colleagues, sweating each day as they go to work. They don’t know when they might get shown the door. It might come at a worse time for them than it did for you. But you will have done what you needed to do to put your life in order again, perhaps even making it more prosperous in the process.
How fun would it be if those younger folks presented you with the trials and tribulations of the working world, and you could say to yourself, “I’m too old for this.”
Remember, it’s best not to gloat, and to keep one’s thoughts to oneself in that regard. However, if you are reaching, shall we say, advanced age milestones, don’t fret. Use the wisdom you’ve gathered, and the energy you still have to create a second, and perhaps more prosperous and rewarding, life.
As discussed previously, wishers wish they were young again. Dreamers don’t care how old they are. There is so much to be said for being older, and not having to face the insecurities many young people face today. If you are older, you’ve lived in some good times. Now it’s time to do what you must to make your future even better.
Peter
THE DISAPPEARING AMERICAN DREAM, PART 1: NUMBERS TELL PART OF THE STORY
#AmericanDream #disappearingAmericanDream #economicgrowthrates
The American Dream is disappearing, by many accounts.
America needs the 3.5% solution.
No, it’s not a chemical that will magically remove all our country’s woes.
It an economic growth rate we once saw as a nation, but for which there is no projection to ever achieve again, under current circumstances.
That’s the premise of an article by U.S. Sen. Bill Cassidy (R-La.) and Louis Woodhill, an economics writer and venture investor. The article was published May 1, 2015, in The Wall Street Journal.
Then, on May 3, 2015, Michael W. Kraus, assistant professor of psychology at the University of Illinois, Shai Davidai, a Ph.D. candidate in psychology at Cornell University and A. David Nussbaum, adjunct assistant professor of behavioral science at the University of Chicago published an article in the New York Times that says we vastly overestimate the amount of upward mobility in our society.
Finally, Peter Morici, professor of economics at the University of Maryland, says the slow job growth and low interest rates are decreasing the number of “safe” investments for savings, while allowing big companies cheap money for mergers and acquisitions. Morici’s column appeared in the May 12, 2014, edition of The Atlanta Journal-Constitution.
What does all this mean for the average working person – or, perhaps, the average person who is no longer working? If you get a new job, it will likely pay less than the one you lost. You’ll struggle to get any kind of return on what little you are able to save, if anything at all. And, the big companies will combine into entities that will put more people out of work.
Cassidy and Woodhill say the Congressional Budget Office projects a meager growth rate of 2.3% for the gross domestic product over the next decade. Meanwhile, from 1790 to 2014, the average growth rate was 3.73%, they say. However, the two men have a way they believe will help generate the kind of growth the U.S. needs to prosper: allow oil exports, and not taxing repatriated overseas profits of U.S. companies.
Cassidy and Woodhill point out another fact: had the GDP grown from 2001 to 1014 at the 3.87 annual rate it had grown between 1993 and 2000, the federal government would have had a $500 billion surplus in 2014, instead of that big a deficit. Certainly, a 1 percent difference in the economic growth rate makes a big difference in the outcome for all of us. The writers also point out that current GDP growth per person is $2,433, lower than Papua New Guinea’s.
If we are truly in for growth rates in the 2s rather than the 3s, we will certainly see a decrease in upward mobility, as the trio who wrote in The New York Times suggest.
To extrapolate more on Morici’s column, low interest rates cannot be sustained forever. Average people usually can’t go looking for riskier investments at higher returns, lest they get burned. Yet, Morici says that is what some are doing.
Let’s look at Cassidy’s and Woodhill’s recommendations. Oil-company TV ads are telling us that the U.S. is currently the No. 1 producer of natural gas, and soon to be No. 1 in oil. The tendency, after decades of buying energy ingredients from countries who hate us, is to keep all that oil and gas we are now producing to ourselves.
But Cassidy and Woodhill say we should sell some of it. Perhaps we should analyze what it would cost us to ship the oil and gas elsewhere, vs. distributing it domestically. It’s cheaper, for example to ship Alaskan oil to Japan and other Pacific nations, rather than getting it to the U.S. mainland.
Then, there are the profits U.S. companies make overseas. There are trillions of U.S. assets awaiting repatriation. But, much of that would go to taxes in the current milieu. One has to analyze whether it’s better to bring the money home, tax-free, and put it to work here, vs. allowing it to sit in foreign institutions while we still collect no taxes on it. That’s certainly worth a full vetting.
As for our own prosperity, you may be among those who have given up looking for work, or who has been forced to take a job that pays less than the one you lost. The good news: there are many ways out there to make incomes without having to have a traditional job. Sure, there is work involved, but no boss and no threat of layoffs. For one of the best, visit www.bign.com/pbilodeau.
Sometimes, when all looks bleak, there’s a huge ray of hope that will guide those who would go for it. It may require new thinking and motivation, but sitting around complaining of bleakness and wishing ill on those who have it better than you accomplishes nothing.
Peter
.
PUBLIC VS. PRIVATE: BE AN IMPACT INVESTOR
#investors #publicprivate #impactinvesting
Who will solve the great problems of the nation and the world?
Will it be governments or private citizens?
Or, will it be a little of both?
It was thought that private citizens would never solve anything unless they can make money – gobs of money.
Governments, on the other hand, don’t have any money, but spend it anyway, sometimes futilely.
New York Times columnist David Brooks discussed the new concept of “impact investing.” That is private money going into investments that attack some of the world’s problems. The Atlanta Journal-Constitution published his column Feb. 3, 2015.
Brooks says that the private market, prone to devastating crashes and producing widening inequality, combined with gridlocked, ineffective government aren’t getting the job done.
So a group of smart people with opposable minds – part profit-oriented and part purpose-oriented – have created organizations that look a little like businesses, a little like social-service providers and a little like charities – or some mixture of the three, Brooks writes.
They are creating new impact funds, social stock exchanges and include players like Goldman Sachs and Credit Suisse. The first wave of this sector was led by Ben & Jerry’s ice cream. Now you have an array of capitalist tools ranging from B Corporations like Warby Parker, which gives free glasses to the poor, to social impact bonds. Brooks writes. He quotes at 2010 report by the Rockefeller Foundation and JPMorgan that says impact investing capital could amount to $1 trillion by 2020.
So what’s happening here? Did government failures in helping its people make wealthy people feel guilty – guilty enough to accept a potentially lower profit to help lots of people?
Capitalism is a marvelous institution that has gotten a bad rap. People are beginning to realize that it’s not how rich you become that matters, but how you become rich. Did you do well by doing good? Were you helping others succeed as you were succeeding? Once you’ve achieved success, did you hoard all your gains, or did you use them to help those worthy of your help?
It’s clear not everyone is going to get rich. But there are many vehicles out there that allow ANYONE to get rich. For one of the best, visit www.bign.com/pbilodeau. Check out a model in which success only comes by helping others succeed.
Think back to the days when you were young, and just starting out in the workforce. You probably had an entry-level job for, say, a small business. When the time came for you to move on to other things to better your life, how did your boss treat you when you left? Was he wishing you well, telling you he was proud to have you work for him and offer any lifelong assistance (not necessarily financial) that you might need? Or, was he the type that was upset that you were quitting and leaving him short-staffed? The former likely was a pleasure to work for, because he looked out for you, and you, in turn, made sure you did your best for him. The latter likely had employees who were indifferent toward the boss, didn’t care whether his business succeeded and probably worked under a good deal of stress.
If you become a boss, which kind would you like to be? If you become an investor, which kind would you like to be? People who work hard on being better people tend to have success follow them. Those who don’t, and still achieve success, probably have lots of current and former employees, who got relatively little in return, to thank.
Peter
CHARACTER, DRIVE AND POVERTY
#character
To paraphrase an old adage: give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime.
We’ve developed a culture in which the poor receive aid without conditions. We believe that they are poor because of bad luck or circumstances, or because their parents or other family was poor.
We, as a society, believe some are poor because they are lazy, resentful or don’t have the skills to hold a job. The poor believe they are poor because they have been discriminated against, treated badly by employers or, they believe the government somehow owes them.
How we would love to change the thought process of poverty. On Aug. 4, 2014, The Atlanta Journal-Constitution ran two columns – one by the New York Times’ David Brooks, and the other by engineer and former Atlanta Falcon William White – that discussed the thought process of the poor.
Brooks talked about character development among the poor. He quotes Richard Reeves of the Brookings Institution as saying that both progressive and conservative orthodoxies in dealing with poverty do so in the abstract. He believes the orthodoxies view the poor as a species of “hollow man,” whose destiny is shaped by economic structures alone.
White, on the other hand, grew up poor in Lima, Ohio. His father worked in a foundry, in which the only air-conditioned place was the engineer’s office. He was determined to succeed in school and become an engineer. As it happened, he also had a successful 11-year career in the National Football League, after graduating with an engineering degree from The Ohio State University.
What both Brooks and White are saying is that circumstances shouldn’t define a person. They also say that fewer people would be in dire circumstances if they just had the belief that they could get out of them.
We, as a society, can’t want success for anyone more than he wants it for himself, as White has shown. We hate to see anyone live in poverty, but we can’t give anyone the desire to get out. If you have the desire to get out, you WILL get out. You will fight through your circumstances and become successful.
Brooks says we should teach people in dire circumstances several things to help them out of their own situations. First, we teach good habits. If you change behavior, you will change disposition eventually, Brooks writes. He cites many government programs that help poor parents and students to observe basic etiquette and practice small, but regular, acts of self-restraint.
Then, we have to show them opportunity. Most of us, Brooks writes, can only deny short-term pleasures because we see the path between self-denial now and something better down the road.
Third, exemplars. Character is not developed individually. It is instilled by communities and transmitted by elders, Brooks writes. That brings to mind another adage: if you can’t change the people around you, change the people around you.
Fourth, standards. People can only practice restraint after they determine the sort of person they want to be, Brooks writes.
In other words, give people something to shoot for, instill in them the belief that they can get it and show them what they need to do to get it.
If your circumstances aren’t what you want them to be, there are many vehicles out there that could help the person who wants to change his life, and has a vision of what he wants his life to be. For one of the best, visit www.bign.com/pbilodeau.
So if you don’t like your circumstances, don’t wallow and blame. Dream that life can be better, believe that YOU can make it better, then step up and do what you need to do.
Peter
YOUR THOUGHTS SAY A LOT ABOUT YOU
#thoughts
What characterizes your thoughts?
Are your thoughts courageous? Are they fanciful? Are they rewarding? Can you be a hero just sitting at your desk, thinking?
New York Times columnist David Brooks discussed this in depth in a Sept. 1, 2014, column published in The Atlanta Journal-Constitution.
As Brooks writes, it’s easy to see heroism in a soldier who displays courage under fire. But can someone sitting at a desk, alone, be a hero? He can, with the right thoughts.
Brooks cites the 2007 book “Intellectual Virtues,” by Robert C. Roberts of Baylor University and W. Jay Wood of Wheaton College. The authors list six characteristics that would determine whether you might be a thought hero.
First, Brooks writes, one must love to learn and be ardently curious. In other words, a thought hero would seek the most information he can before he talked about, or formed an opinion about, something.
Secondly, one needs courage. It’s not just a willingness to hold unpopular views, as Brooks writes, but, as he puts it, the reckless thinker takes a few pieces of information and leaps to some faraway conspiracy theory.
Third is firmness. That’s the middle ground between surrendering one’s beliefs at the slightest opposition, and holding dogmatically to a belief against all evidence. You might say it’s an upgrade from wishy-washy, and a dial-down from arrogance.
The fourth is humility – not letting a good story get in the way of the facts, to paraphrase a quote attributed to Mark Twain.
Then there’s autonomy – forming your own thoughts, not just adopting as gospel what someone else may have told you. You may gladly accept others’ guidance, but, in the end, what you think should be your own.
Finally, there is generosity. If you know something that someone else doesn’t know, you share it – willingly and for free. It also means hearing others as they wish to be heard – not looking to pounce on others’ errors, Brooks writes.
All this adds up to openness of thought. To open one’s mind, one must also open his heart and soul. Today’s society is loaded with what the comedians call “truthiness.” Ads, political statements, online postings and other communications are loaded with stretched truth, even outright falsehoods.
The dangers we face have to do with what we accept as true. Along the way, if we have constant curiosity, we might find that something we were told was true by someone or something we respect may not be true. We have to recognize those situations as we encounter them.
So, after reviewing the “Intellectual Virtues,” where do your thoughts fit in? Are you truly open to the truth? If you are, visit www.bign.com/pbilodeau. You’ll see and hear real, truthful stories from real people. You might even like what you hear and see.
It’s possible to become more intellectually virtuous if you are honest about yourself and your thoughts. Change can be hard. Improvements may come slowly. But if you desire intellectual virtue, go for it! Do what you need to do to get it. It may not be as hard to attain as you might think. And, others you never thought would may follow you.
Peter
CHARACTER, DRIVE AND POVERTY
To paraphrase an old adage: give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime.
We’ve developed a culture in which the poor receive aid without conditions. We believe that they are poor because of bad luck or circumstances, or because their parents or other family was poor.
We, as a society, believe some are poor because they are lazy, resentful or don’t have the skills to hold a job. The poor believe they are poor because they have been discriminated against, treated badly by employers or, they believe the government somehow owes them.
How we would love to change the thought process of poverty. On Aug. 4, 2014, The Atlanta Journal-Constitution ran two columns – one by the New York Times’ David Brooks, and the other by engineer and former Atlanta Falcon William White – that discussed the thought process of the poor.
Brooks talked about character development among the poor. He quotes Richard Reeves of the Brookings Institution as saying that both progressive and conservative orthodoxies in dealing with poverty do so in the abstract. He believes the orthodoxies view the poor as a species of “hollow man” whose destiny is shaped by economic structures alone.
White, on the other hand, grew up poor in Lima, Ohio. His father worked in a foundry, in which the only air-conditioned place was the engineer’s office. He was determined to succeed in school and become an engineer. As it happened, he also had a successful 11-year career in the National Football League, after graduating with an engineering degree from The Ohio State University.
What both Brooks and White are saying is that circumstances shouldn’t define a person. They also say that fewer people would be in dire circumstances if they just had the belief that they could get out of them.
We, as a society, can’t want success for anyone more than he wants it for himself, as White has shown. We hate to see anyone live in poverty, but we can’t give anyone the desire to get out. If you have the desire to get out, you WILL get out. You will fight through your circumstances and become successful.
Brooks says we should teach people in dire circumstances several things to help them out of their own situations. First, we teach good habits. If you change behavior, you will change disposition eventually, Brooks writes. He cites many government programs that help poor parents and students to observe basic etiquette and practice small, but regular, acts of self-restraint.
Then, we have to show them opportunity. Most of us, Brooks writes, can only deny short-term pleasures because we see the path between self-denial now and something better down the road.
Third, exemplars. Character is not developed individually. It is instilled by communities and transmitted by elders, Brooks writes. That brings to mind another adage: if you can’t change the people around you, change the people around you.
Fourth, standards. People can only practice restraint after they determine the sort of person they want to be, Brooks writes.
In other words, give people something to shoot for, instill in them the belief that they can get it and show them what they need to do to get it.
If your circumstances aren’t what you want them to be, there are many vehicles out there that could help the person who wants to change his life, and has a vision of what he wants his life to be. For one of the best, visit www.bign.com/pbilodeau.
So if you don’t like your circumstances, don’t wallow and blame. Dream that life can be better, believe that YOU can make it better, then step up and do what you need to do.
Peter
HAPPY BIRTHDAY, AMERICA
“The good old days weren’t always good. Tomorrow ain’t as bad as it seems.” Billy Joel, from “Keepping the Faith.”
…
We just celebrated July 4 and America, though not yet perfect, is better off than it was decades ago.
How do we know? The numbers bear it out.
In his July 3, 2013, column, Jay Bookman of The Atlanta Journal-Constitution quotes these figures: the U.S. murder rate has fallen by more than half in the last two decades, from 9.8 murders per 100,000 residents in 1991 to 4.8 per 100,000 in 2010, according to the FBI’s Uniform Crime Report. The Georgia murder rate is down from 9.5 per 100,000 in 1996 to 5.6 in 2011.
The national high school graduation rate is almost 75 percent, according to Education Week. That’s the highest rate in 40 years and up eight percentage points just in the last decade. Latino graduation rates are up 16 points in that time frame; black graduation rates are up 13 points.
Who wouldn’t want a less violent, better educated society? As Bookman says, there’s a whole education industry whose profits depend on “failing” public schools. Though our schools may not be where we’d like, they appear to be getting better.
Though people have very different viewpoints, even the most criticized institutions appear to be accomplishing something. There is reason for everyone, no matter your point of view, to be optimistic.
Bookman says the “America’s Going to Hell” crowd will find fault with these numbers, but the rational among us will pay them no mind. America is looking pretty good for 237 years old.
What will it look like in 10 years? Or 20 years? We know that things are changing more rapidly than they ever have. We know that some jobs of decades past are gone forever. We know that technological advances are making things obsolete the minute after we buy them.
How do we navigate this new world? We become good people. How do we do that? By helping others and thinking of others first and self second. We do it by being friendly, upbeat and optimistic. Before you say, “woe is me,” say, whoa! Then say, all in all, I have it darned good.
Next to Bookman’s column was one by Mona Charen , who is glad she lives in America instead of living in the many places in which people are taking to the streets to protest their standard of living. Egypt, Brazil and Turkey come to her mind.
Yes, there was much to celebrate this July 4. But, there is more to go.
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As things change, we often need to change as people. By all accounts, employers are looking for good people despite the high unemployment rate. Companies hire and lay off at the same time. They are not necessarily cutting for the sake of cuts, they may be transforming their culture. If you are interviewing for jobs, be yourself, but be upbeat about yourself and the situation you are looking at. Show your prospective employer that you can be innovative within his system. Show him not only that you are right for the job, you are right for the culture.
Employers want to know what you want to do, not just what you’ve done. Be creative. Show the employer you can be transformative. It may take practice for some to be themselves AND optimistic. If you have trouble being optimistic, remember Billy Joel’s lyric above. If tomorrow seems bad to you, look at figures Bookman quoted, and the goings-on in other countries that Charen cites.
Give natural optimism a go. You could be going places you never thought you’d see.
Peter