Incoming Senior Quotes

I once heard Jerry Yang, the cofounder of Yahoo!, quote a senior Chinese government official as saying, "Where people have hope, you have a middle class." I think this is a very useful insight. The existence of large, stable middle classes around the world is crucial to geopolitical stability, but middle class is a state of mind, not a state of income. That's why a majority of Americans always describe themselves as "middle class," even though by income statistics some of them wouldn't be considered as such. "Middle class" is another way of describing people who believe that they have a pathway out of poverty or lower-income status toward a higher standard of living and a better future for their kids.

Aging is dreaded the most by people whose income is entirely dependent on their looks.

Is it moral that, when millions of seniors are unable to afford the medicine they need, the top one-tenth of 1 percent owns as much wealth as the bottom 90 percent? Is it moral that, when we have the highest rates of childhood poverty of almost any major country in the world, the twenty wealthiest people in the country have more wealth than the bottom half of America—160 million people? Is it moral that, when our citizens are working longer hours for lower wages, 52 percent of all new income generated today is going to the top 1 percent?

Moving is a well-established tradition in America, and _moving up_ constitutes a significant part of the American dream. Not only is working one's way to a bigger house central to our ethos but it makes sense functionally as families bring more children into the world. But why must the move to a larger or more luxurious house bring with it the abandonment of one's neighbors, community groups, and often even schoolmates? The suburban pod system causes people to move not just from house to house but form community to community. Only in a traditionally organized neighborhood of varied incomes can a family significantly alter its housing without going very far. In the new suburbs, you can't move up without moving out. (The same is true of moving down. Seniors seeking a smaller house are often forced to abandon their familiar community and start over someplace else.)

When Dr. Fauci took office, America was still ranked among the world’s healthiest populations. An August 2021 study by the Commonwealth Fund ranked America’s health care system dead last among industrialized nations, with the highest infant mortality and the lowest life expectancy. “If health care were an Olympic sport, the US might not qualify in a competition with other high-income nations,”56 laments the study’s lead author, Eric Schneider, who serves as Senior Vice President for Policy and Research at the Commonwealth Fund.

When Dr. Fauci took office, America was still ranked among the world’s healthiest populations. An August 2021 study by the Commonwealth Fund ranked America’s health care system dead last among industrialized nations, with the highest infant mortality and the lowest life expectancy. “If health care were an Olympic sport, the US might not qualify in a competition with other high-income nations,”56 laments the study’s lead author, Eric Schneider, who serves as Senior Vice President for Policy and Research at the Commonwealth Fund. Following

A senior partner asks if you’ll mentor an incoming summer associate, and the answer is easy: Of course you will. You have yet to understand the altering force of a simple yes. You don’t know that when a memo arrives to confirm the assignment, some deep and unseen fault line in your life has begun to tremble, that some hold is already starting to slip. Next to your name is another name, that of some hotshot law student who’s busy climbing his own ladder. Like you, he’s black and from Harvard. Other than that, you know nothing—just the name, and it’s an odd one.

The larger and more complex a company becomes, the more important it is for senior managers to train employees at every level, acting autonomously, to make prioritization decisions that are consistent with the strategic direction and the business model of the company. That is why successful senior executives spend so much time articulating clear, consistent values that are broadly understood throughout the organization. Over time, a company’s values must evolve to conform to its cost structure or its income statement, because if the company is to survive, employees must prioritize those things that help the company to make money in the way that it is structured to make money.

Dr. Thomas Sowell, senior fellow at the Hoover Institute, Stanford University, notes that “There was a time when the purpose of taxes was to pay the inevitable costs of government. To the political left, however, taxes have long been seen as a way to redistribute income and finance other social experiments based on liberal ideology.”3 The consequences for the rising generation and future generations of the statists’ immoral, politically expedient, and economically ruinous behavior and policies are unambiguous as evidenced by statistic after statistic, which are mainly ignored, discounted, or excused by most of the media, academia, and, of course, governing statists. Nonetheless, there is no mistaking the eventual societal turmoil these facts and figures portend—evidence all Americans, and especially younger people, must heed.

But now, in a new century and a different time, that great middle class is on the ropes. All across the country, people are worried—worried and angry. They are angry because they bust their tails and their income barely budges. Angry because their budget is stretched to the breaking point by housing and health care. Angry because the cost of sending their kid to day care or college is out of sight. People are angry because trade deals seem to be building jobs and opportunities for workers in other parts of the world, while leaving abandoned factories here at home. Angry because young people are getting destroyed by student loans, working people are deep in debt, and seniors can’t make their Social Security checks cover their basic living expenses. Angry because we can’t even count on the fundamentals—roads, bridges, safe water, reliable power—from our government. Angry because we’re afraid that our children’s chances for a better life won’t be as good as our own. People are angry, and they are right to be angry. Because this hard-won, ruggedly built, infinitely precious democracy of ours has been hijacked. Today

Fast-forward nearly a hundred years, and Prufrock’s protest is enshrined in high school syllabi, where it’s dutifully memorized, then quickly forgotten, by teens increasingly skilled at shaping their own online and offline personae. These students inhabit a world in which status, income, and self-esteem depend more than ever on the ability to meet the demands of the Culture of Personality. The pressure to entertain, to sell ourselves, and never to be visibly anxious keeps ratcheting up. The number of Americans who considered themselves shy increased from 40 percent in the 1970s to 50 percent in the 1990s, probably because we measured ourselves against ever higher standards of fearless self-presentation. “Social anxiety disorder”—which essentially means pathological shyness—is now thought to afflict nearly one in five of us. The most recent version of the Diagnostic and Statistical Manual (DSM-IV), the psychiatrist’s bible of mental disorders, considers the fear of public speaking to be a pathology—not an annoyance, not a disadvantage, but a disease—if it interferes with the sufferer’s job performance. “It’s not enough,” one senior manager at Eastman Kodak told the author Daniel Goleman, “to be able to sit at your computer excited about a fantastic regression analysis if you’re squeamish about presenting those results to an executive group.” (Apparently it’s OK to be squeamish about doing a regression analysis if you’re excited about giving speeches.)

NED: Why can’t you just say yes? BEN: Because we have a committee. NED: But you’re the senior partner and I’m your brother. BEN: I fail to see what bearing that has on the matter. You’re asking me to ask my partners to give up income that would ordinarily come into their pocket.

How Much Money Can We Afford To Give To Charity? Knowing how much money you can safely give to charity is challenging for everyone. Who doesn’t want to give more to make the world a better place? On the other hand, no one wants to become a charity case as a result of giving too much to charity. On average, Americans who itemize their deductions donate about three or four percent of their income to charity. About 20% give more than 10% of their income to charity. Here are some tips to help you find the right level of donations for your family: You can probably give more than you think. Focus on one, two or maybe three causes rather than scattering money here and there. Volunteer your time toward your cause, too. The money you give shouldn’t be the money you’d save for college or retirement. You can organize your personal finances to empower you to give more. Eliminating debt will enable you to give much more. The interest you may be paying is eating into every good and noble thing you’d like to do. You can cut expenses significantly over time by driving your cars for a longer period of time; buying cars—the transaction itself—is expensive. Stay in your home longer. By staying in your home for a very long time, your mortgage payment will slowly shrink (in economic terms)with inflation, allowing you more flexibility over time to donate to charity. Make your donations a priority. If you only give what is left, you won’t be giving much. Make your donations first, then contribute to savings and, finally, spend what is left. Set a goal for contributing to charity, perhaps as a percentage of your income. Measure your financial progress in all areas, including giving to charity. Leverage your contributions by motivating others to give. Get the whole family involved in your cause. Let the kids donate their time and money, too. Get your extended family involved. Get the neighbors involved. You will have setbacks. Don’t be discouraged by setbacks. Think long term. Everything counts. One can of soup donated to a food bank may feed a hungry family. Little things add up. One can of soup every week for years will feed many hungry families. Don’t be ashamed to give a little. Everyone can do something. When you can’t give money, give time. Be patient. You are making a difference. Don’t give up on feeding hungry people because there will always be hungry people; the ones you feed will be glad you didn’t give up. Set your ego aside. You can do more when you’re not worried about who gets the credit. Giving money to charity is a deeply personal thing that brings joy both to the families who give and to the families who receive. Everyone has a chance to do both in life. There Are Opportunities To Volunteer Everywhere If you and your family would like to find ways to volunteer but aren’t sure where and how, the answer is just a Google search away. There may be no better family activity than serving others together. When you can’t volunteer as a team, remember you set an example for your children whenever you serve. Leverage your skills, talents and training to do the most good. Here are some ideas to get you started either as a family or individually: Teach seniors, the disabled, or children about your favorite family hobbies.

The dealers chosen in the initial years all performed well. However, after some years, with changes in the ministry, the Maruti management and board came under a lot of pressure to accommodate unsuitable persons as dealers. Maruti dealerships were very profitable in those days as there was virtually no competition. The dealer did not have to employ any working capital, and the vehicles commanded a premium. The role of the dealer was virtually that of being a distributor. Naturally, getting a dealership was considered to be a very safe way of making money, and hence became an object of political patronage. While senior ministers like N.D. Tiwari and the late J. Vengal Rao kept away from making recommendations for dealerships, their junior ministers did not exercise the same self-restraint. The common perception was that public sector companies were controlled by the ministry, and ministers therefore had the right to give directions to the management on various matters. A minister probably felt that he would lose face if he were to tell a political supporter that he was unable to direct the management of a public sector firm to do a small thing like award a dealership. Unfortunately, most of the recommendations made were for people who were totally unable to meet the minimum requirements for a dealership. One person who came with a strong recommendation was a ‘social worker’ with no assets and no declared source of income. The inability to award a dealership to him made one minister of state very unhappy. Somehow Vengal Rao heard about this matter. He called me and said that under no circumstances was a dealership to be awarded to this person, as it was not a clean case. Some months later, after Vengal Rao had quit his post, the minister of state ordered an enquiry against me in the Kandla transportation case and the extension of my term as managing director was delayed.

For example, until the mid-2010s many senior executives in traditional companies cackled that Amazon’s business still showed no profits. They felt it was a low-margin activity propped up by a hyperinflated share price. And within their traditional way of understanding corporate performance, they were right. But seen through a different frame, they were utterly wrong. Jeff Bezos had reframed the idea of commercial growth, away from producing annual returns for shareholders (and handing about a third of the profits to governments in the form of tax) and toward reinvesting every penny of net income to establish adjacent business lines, from Kindle books to cloud services. People see it plain as day in hindsight, but the new frame was incomprehensible to many in the moment.

At Old Glory, we believe in giving houses, and people, a fighting chance. For over a decade we have been transforming distressed properties into decent places to live, improving property values and saving resources. We have also been providing low income, affordable housing opportunities to people who need it the most – seniors, people on disability, immigrants, veterans returning and adapting, single parents trying to keep their children fed, and struggling families.

Bailouts of $50 billion to companies like Delta, whose CEO earned $13 million in 2020, or healthcare for low-income seniors, healthcare for veterans, and vocational programs for underserved high schoolers? America has made its choice.

Dr. Thomas Sowell, senior fellow at the Hoover Institute, Stanford University, notes that “There was a time when the purpose of taxes was to pay the inevitable costs of government. To the political left, however, taxes have long been seen as a way to redistribute income and finance other social experiments based on liberal ideology.”3

We continue, however, to need "elephants" in order for us to use Berkshire’s flood of incoming cash. Charlie and I must therefore ignore the pursuit of mice and focus our acquisition efforts on much bigger game. Our exemplar is the older man who crashed his grocery cart into that of a much younger fellow while both were shopping. The elderly man explained apologetically that he had lost track of his wife and was preoccupied searching for her. His new acquaintance said that by coincidence his wife had also wandered off and suggested that it might be more efficient if they jointly looked for the two women. Agreeing, the older man asked his new companion what his wife looked like. ‘She’s a gorgeous blonde,’ the fellow answered, ‘with a body that would cause a bishop to go through a stained glass window, and she’s wearing tight white shorts. How about yours?’ The senior citizen wasted no words: ‘Forget her, we’ll look for yours.

Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion

Despite no change in average hourly earnings in July, the rise in payrolls should be enough to generate a further rise in income,” said Paul Dales, senior US economist at Capital Economics. “This will allow consumption growth to rise in the second half of the year.” Almost all of the jobs growth came from the private services sector, with business services adding 47,000 positions. Healthcare and the leisure sector remained static, with no meaningful change from June. Construction added 22,000 jobs and manufacturing put on 28,000. The Fed revealed on Wednesday that the rate-setting Federal Open Market Committee believed that labour resources were being underutilised and there was more capacity for improvement, revising its previous views that the unemployment rate was “elevated”.

We are bound by our reference group. If we feel we are doing better than the people we compare ourselves to, we are happy with our economic situation; if we feel we’re doing worse, we feel pretty lousy. That’s why bus drivers are more content than stockbrokers. All bus drivers make roughly the same, and the rules about who makes more (seniority, overtime) are clear-cut. But stockbrokers always have someone much wealthier than themselves to compare to, and how you get to the most exalted level is much more a matter of luck and chance than hard work. Another way of saying the same ugly fact: If everyone’s income goes up, we’re all happier, but if my income goes up more than others, I’m more happier.

The people who are hurt the most should have the right to judge the ones who hurt them.

prompting the United States in 1935 to join about twenty other countries that had already instituted a social insurance program. Social Security made moral sense. It made mathematical sense, too. At that time, just over half of men who reached their 21st birthday would also reach their 65th, the year at which most could begin to collect a supplemental income. Those who reached age 65 could count on about thirteen more years of life.32 And there were a lot of younger workers paying into the system to support that short retirement; at that time only about 7 percent of Americans were over the age of 65. As the economy began to boom again in the wake of World War II, there were forty-one workers paying into the system for every beneficiary. Those are the numbers that supported the system when its first beneficiary, a legal secretary from Vermont named Ida May Fuller, began collecting her checks. Fuller had worked for three years under Social Security and paid $24.75 into the system. She lived to the age of 100 and by the time of her death in 1975 had collected $22,888.92. At that point, the poverty rate among seniors had fallen to 15 percent, and it has continued to fall ever since, owing largely to social insurance.33 Now about three-quarters of Americans who reach the age of 21 also see 65. And changes to the laws that govern the US social insurance safety net have prompted many to retire—and begin collecting—earlier than that. New benefits have been added over the years. Of course, people are living longer, too; individuals who make it to the age of 65 can count on about twenty more years of life.34 And as just about every social insurance doomsdayer can tell you, the ratio of workers to beneficiaries is an unsustainable three to one.

The four main factors you’ll want to investigate are: 1. Borrower’s credit: Look for whether they’re paying their bills regularly and on time, how much debt they have in relation to their income (the debt-to-income ratio, or DTI), and the status of the senior lien. 2. Borrower’s payment history: The longer someone has been making mortgage payments, the more likely they are to keep doing so; it demonstrates their commitment to the property. 3. Fair market value (FMV): Find the current FMV of the property, as it affects the equity (ownership stake) in the property; if the property has declined substantially, you may not be able to recover your investment if the borrower defaults. 4. Location: With real estate debt, geography matters for several reasons including state foreclosure laws, local demographics (which can affect future property values), and area economy.

It can be tough for anyone to go from being a manager or senior leader to being a student. Symbolically, becoming a student represents the loss of power, income, and status.

Also, as you’ll soon learn, there are some great ways to invest in real estate—like first trust deeds, REITs (real estate investment trusts), senior housing, income-producing properties, and so on.

This is something I have frequently encountered in my research: an engineer or IT expert working for a car manufacturer enjoys a senior professional position, a good income and a high level of security. But alongside the plant where he works there are now other research and development service companies, where engineers and IT experts work for the same car manufacturer, but on a subcontract basis. They also earn well, but not quite as well as their colleagues employed directly by the main firm, nor do they enjoy the same participation rights. For many highly qualified staff, activity of this kind is quite attractive, up to a certain point. As long as they are young and flexible, they value working for a good salary in different places for a different firm each time. Even a master craftsman, employed by an agency, opined in an interview: ‘When you’re young, you think: never mind, I have two good hands.’ But this generally changes over the years. Then the need for greater security makes itself felt even among engineers, especially if they want to start a family.

Choice of profession also no longer guarantees a high social status. This is bound up, among other things, with fragmented processes of downward mobility within occupational groups. A senior teacher earns a relatively comfortable income and need not worry about the future; they may even be able to retire early. In the same school and in the same class, however, there is possibly also a younger teacher on a temporary contract who has to claim unemployment benefit during the summer vacation and has no prospects for permanent employment. (Many German states now rely on a growing number of flexible teachers who are no longer guaranteed permanent positions.) In the postal service, too, although there are still many permanent employees, newly hired staff generally are not offered any job security (cf. Chapter 5). Among certain occupational groups the differences can be tremendous, as with journalists, for example. Those who began working at major German publications like Stern, Spiegel or Die Zeit ten or twenty years ago could expect a secure future. In the big publishing houses today, on the other hand, not only have precarious jobs and poorly paid groups of online writers proliferated, but not even the established staff can feel secure any more. A growing share belong to the ‘media precariat’ and earn less than €30,000 per year.99 Another example is that of lawyers, formerly the very model of status and prosperity. This professional group now divides into those who continue to earn good money and enjoy a high social prestige while employed in large offices or working for corporations, and a growing flock of precarious self-employed legal professionals, who fail to gain a steady footing in an over-filled market.

This may be the fundamental problem with caring a lot about what others think: It can put you on the established path—the my-isn’t-that-impressive path—and keep you there for a long time. Maybe it stops you from swerving, from ever even considering a swerve, because what you risk losing in terms of other people’s high regard can feel too costly. Maybe you spend three years in Massachusetts, studying constitutional law and discussing the relative merits of exclusionary vertical agreements in antitrust cases. For some, this might be truly interesting, but for you it is not. Maybe during those three years you make friends you’ll love and respect forever, people who seem genuinely called to the bloodless intricacies of the law, but you yourself are not called. Your passion stays low, yet under no circumstance will you underperform. You live, as you always have, by the code of effort/result, and with it you keep achieving until you think you know the answers to all the questions—including the most important one. Am I good enough? Yes, in fact I am. What happens next is that the rewards get real. You reach for the next rung of the ladder, and this time it’s a job with a salary in the Chicago offices of a high-end law firm called Sidley & Austin. You’re back where you started, in the city where you were born, only now you go to work on the forty-seventh floor in a downtown building with a wide plaza and a sculpture out front. You used to pass by it as a South Side kid riding the bus to high school, peering mutely out the window at the people who strode like titans to their jobs. Now you’re one of them. You’ve worked yourself out of that bus and across the plaza and onto an upward-moving elevator so silent it seems to glide. You’ve joined the tribe. At the age of twenty-five, you have an assistant. You make more money than your parents ever have. Your co-workers are polite, educated, and mostly white. You wear an Armani suit and sign up for a subscription wine service. You make monthly payments on your law school loans and go to step aerobics after work. Because you can, you buy yourself a Saab. Is there anything to question? It doesn’t seem that way. You’re a lawyer now. You’ve taken everything ever given to you—the love of your parents, the faith of your teachers, the music from Southside and Robbie, the meals from Aunt Sis, the vocabulary words drilled into you by Dandy—and converted it to this. You’ve climbed the mountain. And part of your job, aside from parsing abstract intellectual property issues for big corporations, is to help cultivate the next set of young lawyers being courted by the firm. A senior partner asks if you’ll mentor an incoming summer associate, and the answer is easy: Of course you will. You have yet to understand the altering force of a simple yes. You don’t know that when a memo arrives to confirm the assignment, some deep and unseen fault line in your life has begun to tremble, that some hold is already starting to slip. Next to your name is another name, that of some hotshot law student who’s busy climbing his own ladder. Like you, he’s black and from Harvard. Other than that, you know nothing—just the name, and it’s an odd one. Barack.

As the Arizona’s men gathered for breakfast and the enemy submarine report from the Ward made its way up the naval chain of command, the Army’s Opana Mobile Radar Station at Kahuku Point on the northern tip of Oahu shut down for the day. Privates Joseph Lockard and George Elliott had been on duty since 4:00 a.m., and their three-hour shift training on a relatively new warning system was over. Lockard had been instructing Elliott in reading the radarscope, but just as he reached to turn it off, a large image began to march across his screen from the north. Lockard’s first thought was that something had gone haywire with his set, but when everything checked out, he and Elliott called in a report of what appeared to be more than fifty planes approaching Oahu about 130 miles out. The Information Center at Fort Shafter, to which they reported, was charged with directing pursuit aircraft to intercept any incoming threat, but it was also shutting down for the day. The senior officer remaining at the Information Center was First Lieutenant Kermit Tyler, the executive officer of the 78th Pursuit Squadron, who was serving only his second day of duty at the center. Tyler would always be adamant that it never crossed his mind that these incoming planes could possibly be enemy aircraft, particularly as a far more likely explanation presented itself. Two squadrons of B-17 bombers, totaling twelve aircraft, were nearing Hickam Field from the northeast that morning after an overnight flight from California. After refueling, they were supposed to continue on to the Philippines to augment General MacArthur’s air force. Tyler was convinced that the Opana station had detected this flight of bombers and told Lockard and Elliott, “Well, don’t worry about it.”14

Why Should I Do Freelancing? Guidelines for Beginners Why do we do freelancing? People are doing nothing in the urge of life. Some are working, some are doing business, some are doing advocacy, and some are freelancing. Everyone has one goal behind doing all this, and that is to “make money”. As the days are changing, people's needs are also increasing. Earlier people did not have so many needs so they did not lack happiness. Everyone had their own land, from which crops, vegetables, and fruits were produced and earned a living. Slowly the days started to change, and the use of technology also started to increase, along with it the image and attitude of people started to change. The competitive spirit of who will get more than who, who will be ahead of who started, which continues till now. And that is why people are constantly looking for work, some inside the country and some outside the country. Everyone has almost the same goal, and that is to earn a lot of money, stand on their own feet, take responsibility for their family, build the future of their children, and much more! But does all work make satisfactory money? Of course not. If you are employed then you will get a certain amount of monthly income, if you are doing business then the income will be average with profit-loss-risk, and if you are freelancing then you will be able to control your income. You can earn money as you wish by working as you wish. So let's find out why you should do freelancing:- Why Do Freelancing? What is Freelancing? Freelancing is an independent profession. This profession allows you to work when you want, take vacations when you want, and quit when you want. You will never want to leave this profession though, because once you fall in love with freelancing, you never want to leave. There are many reasons for this. They are easy, self-reliance, freedom from slavery, self-king, having no limitations, etc. All of us have some latent talent. That talent often remains dormant, those of us who spend years waiting for a job can wake up our latent talent and stand on our own feet by expressing it through work. No need to run with a CV to any company or minister for this. Do you like to write? Can you be a content writer, can you draw good design? Can be a designer, do you know good coding? Can be a software engineer. There are also numerous other jobs that you can do through freelancing. You too can touch the door of success by freelancing, all you need is enthusiasm, courage, willpower, morale, self-confidence, and a lot of self-confidence. But these things are not available to buy in the market, so it will not cost you money. What will be spent is 'time' as the saying goes "The time is money and the money is equal to time". To make money you must put in the time. Guidelines for Beginners: As I have said before, if you think that you can suddenly start freelancing and earn lakhs of rupees and become a millionaire within a year, then I would say that bro, freelancing is not for you. Because the greed of money gets you before you can work, you can't go any further. If you are thinking of starting freelancing to utilize your talent then definitely take advice from someone senior to you, take tips from those who are in the sector, explore online, collect video tutorials, and take free courses if available. Still, if there is any problem or confusion which you are not able to solve, then you can visit the freelancing training center called “Bhairab ​​IT Zone”. Here students are trained professionally by experienced freelancers.

Why Should I Do Freelancing? Guidelines for Beginners Why do we do freelancing? People are doing nothing in the urge of life. Some are working, some are doing business, some are doing advocacy, and some are freelancing. Everyone has one goal behind doing all this, and that is to “make money”. As the days are changing, people's needs are also increasing. Earlier people did not have so many needs so they did not lack happiness. Everyone had their own land, from which crops, vegetables, and fruits were produced and earned a living. Slowly the days started to change, and the use of technology also started to increase, along with it the image and attitude of people started to change. The competitive spirit of who will get more than who, who will be ahead of who started, which continues till now. And that is why people are constantly looking for work, some inside the country and some outside the country. Everyone has almost the same goal, and that is to earn a lot of money, stand on their own feet, take responsibility for their family, build the future of their children, and much more! But does all work make satisfactory money? Of course not. If you are employed then you will get a certain amount of monthly income, if you are doing business then the income will be average with profit-loss-risk, and if you are freelancing then you will be able to control your income. You can earn money as you wish by working as you wish. So let's find out why you should do freelancing:- Why Do Freelancing? What is Freelancing? Freelancing is an independent profession. This profession allows you to work when you want, take vacations when you want, and quit when you want. You will never want to leave this profession though, because once you fall in love with freelancing, you never want to leave. There are many reasons for this. They are easy, self-reliance, freedom from slavery, self-king, having no limitations, etc. All of us have some latent talent. That talent often remains dormant, those of us who spend years waiting for a job can wake up our latent talent and stand on our own feet by expressing it through work. No need to run with a CV to any company or minister for this. Do you like to write? Can you be a content writer, can you draw good design? Can be a designer, do you know good coding? Can be a software engineer. There are also numerous other jobs that you can do through freelancing. You too can touch the door of success by freelancing, all you need is enthusiasm, courage, willpower, morale, self-confidence, and a lot of self-confidence. But these things are not available to buy in the market, so it will not cost you money. What will be spent is 'time' as the saying goes "The time is money and the money is equal to time". To make money you must put in the time. Guidelines for Beginners: As I have said before, if you think that you can suddenly start freelancing and earn lakhs of rupees and become a millionaire within a year, then I would say that bro, freelancing is not for you. Because the greed of money gets you before you can work, you can't go any further. If you are thinking of starting freelancing to utilize your talent then definitely take advice from someone senior to you, take tips from those who are in the sector, explore online, collect video tutorials, and take free courses if available. Still, if there is any problem or confusion which you are not able to solve, then you can visit the freelancing training center called “Bhairab ​​IT Zone”. Here students are trained professionally by experienced freelancers. If you want you can apply now for their free seminar from here, and learn about all the courses Please Visit Our Blogging Website to Read more Articles related to Freelancing and Outsourcing, Thank You.

Only 3 percent of executives, senior-level officials, and managers in the US are Black. Only 4 percent of doctors and 5 percent of attorneys are Black.6 Additionally, a 2016 analysis of federal government data by the Pew Research Center finds that Blacks are, on average, at least twice as likely as Whites to be poor or to be unemployed; in 2014 the median White household income was $71,300 while the median Black household income was $43,300.

Reagan passed out prepublication copies of Mandate to his incoming cabinet secretaries and senior staff in December. Mandate for Leadership became a rare think tank product on the bestseller list in the Washington, D.C., area.

Of course, some young people dislike the conformity and yearn for a sense of choice and exploration. One college senior at Princeton remarked to me, “Once you’re here, you become awfully risk-averse. It’s more about not failing than doing anything in particular.” Another said, “I’m so busy here. I’d love some time to think,” as if thinking and college didn’t belong in the same sentence.

The women I interviewed seemingly “opted out” of what Rachel, whom I cited earlier, called “the enormous experiment of engaging in capitalism.” Their choice to leave the workplace can be seen, as some of them suggested, as a resistance to neoliberal capitalism—to its exclusive valorization of the sphere of commodity production and the toxic competitive work cultures on which it depends. Their embrace of full-time motherhood can be understood as an attempt to shift priorities and to put care before competition. It is seemingly removed from the demands of advanced capitalism and the public sphere of work that they left, but which their government promotes and their husbands—mostly in high-powered, high-income jobs—occupy. Yet, as a consequence of heading home—a choice that was in part imposed by the pressures of advanced capitalism—women have become heads of their home who run their families as small enterprises, and endorse “intensive mothering”72 as a means of trying to ensure the invincible middle-class future and security of their children. In rechanneling their professional skills and competitive spirit through their children, and taking on the role of family CEO, these women may be reproducing what many found so brutal in the workplace. They have reproduced neoliberalism in the sense that their children have become human capital—investing in them is a way of increasing good returns in the future.73 In the words of Sara, the former senior financial director, “And the competition lives on, it’s just in a totally different guise.”" (from "Heading Home: Motherhood, Work, and the Failed Promise of Equality" by Shani Orgad)

One of my favorites that I mentioned to you already is investing in senior housing, where you get both the income and the potential growth in appreciation as well.

senior housing facilities are a way to own income-producing real estate that is also tied to what I call a “demographic inevitability”: a wave of 76 million baby boomers who are aging and will require the use of these facilities.

top down method is where the agent starts with an absurdly high monthly payment, like $ 200, and waits for the prospect to react to that. The absurd amount and the prospect’s reaction to it can actually lighten the mood if agents handle the situation suavely. Most seniors will recoil and exclaim, “No way! I can’t afford that much on a fixed income!” The agent might commiserate by saying, “I don’t blame you, Mrs. Jones. That is a ridiculous bill to pay!” Then the agent goes down from there, maybe to $ 150, and waits for the prospect to respond. The agent then goes lower and lower, feeling out the senior’s financial comfort zone, until the prospect signals an amount that is affordable. This technique has the potential to help agents write larger cases because you aren’t assuming how much (or how little) the prospect can afford.

Consider the statistics. In 2007, the Washington Post reported that, according to Nellie Mae, the giant student loan service provider, when college students are seniors, 56% of them will have four or more credit cards with an average balance of $2,864. According to a research report by Demos-USA.org, a public policy research and advocacy organization, people in the 18–24 age bracket spend nearly 30% of their monthly income on debt repayment. This is double from twenty years ago. A survey of college borrowers found that the average college senior graduated with nearly $19,000 in student loan debts, and graduate degree pursuers more than $45,000. A 2007 Charles Schwab survey revealed that teenagers believe when they get older, they will earn an average salary of $145,000. The reality? Adults with a college degree earned an average of $54,000.