Increase Your Income Quotes

A good management style will make the productivity of your employees go up which means your revenues and profits go up as well.

one of the most powerful ways to increase your savings isn’t to raise your income. It’s to raise your humility.

increase your income is a formula. If you’re not fulfilled and happy with the current results in different areas of your life, it’s most likely due to your needing to make some adjustments in some of the formulas you’ve been using for a while.

Do not cut down on your expenses, Increase your income!

The Pro coach knows that being uncomfortable is the only way to grow. And because they create such powerful agreements, their clients never miss or are late for a session.

The coaching profession has a problem that is two-fold: there is a low bar for entry and a high bar for success.

The Struggling coach has huge dreams that overwhelm them. The Pro coach has huge dreams, and takes tiny steps every day.

Most people start the day by checking email, texts, and social media. And most people struggle to be successful. It’s not a coincidence.

An endless number of these unmade connections exist to this day, especially in the business world. You are surrounded by simple, obvious solutions that can dramatically increase your income, power, influence, and success. The problem is, you just don’t see them. I

Step one in the process of increasing your income is to begin wrapping yourself around these two related notions: (1) you are in business, and (2) the occupation of business is moral, noble, and worthy.

John D. Rockefeller, who was as rich as they come, believed that “a man’s wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on $10 and has everything he desires, he really is rich.” Today, you could try to increase your wealth, or you could take a shortcut and just want less.

Coaching is a good profession for people who are genuinely devoted to making a difference in the lives of others.

More important than the time that you start your day is the mindset with which you start your day.

Summarize key ideas, insights, and memorable passages in your journal. You can build your own brief summary of your favorite books so you can revisit the key content any time in just minutes.

Is it not madness and the worst form of derangement to want so much though you can hold so little? Therefore, though you may increase your income and extend your estates, you will never increase the capacity of your bodies.

that the more children are read to, the higher their test scores are—sometimes by as much as a half a year’s schooling. This was true regardless of a family’s income. He goes on to say that reading aloud has proven to be so powerful in increasing a child’s academic success that it is more effective than expensive tutoring or even private education.

THE SIX LAWS OF WEALTH   The First Law of Wealth: Keep a part of all you earn. Save at least 10% of your income.     The Second Law of Wealth: Put your savings to work for you. Invest it so that it will multiply.   The Third Law of Wealth: Avoid debt. The poor pay interest, while the rich earn interest.   The Fourth Law of Wealth: Don’t speculate in get-rich-quick schemes. Invest in solid businesses that you understand.     The Fifth Law of Wealth: Invest in yourself. Gain knowledge and skills to increase your earning power.     The Sixth Law of Wealth: Safeguard your growing fortune with diversification and insurance.

The Pro coach knows that confidence is a result of taking action.

People pay you not what they decide your coaching is worth, but what you decide your coaching is worth.

The Pro coach is committed to coaching, no matter what. Failure doesn’t stop them. They are not embarrassed by their mistakes. There’s no turning back.

Please don’t let anyone hang up or walk out the door if the last words you exchanged were about money.

Refuse to buy into any story your clients may bring with them. Challenge how they see the world.

Winston Churchill once said, “Success is stumbling from failure to failure with no loss of enthusiasm.

Your expenses will rise to meet your increased income, unless you are on a mission.

If you’ve got this sense of extreme need in your mind, your behavior and your communication is going to push the person away. That’s because neediness is creepy.

Coaching is not about “information.” It is about transformation. Change someone’s life and they will hire you.

The first step, then, is to consciously decide every night to actively and mindfully create a positive expectation for the next morning.

For instance, think back to those moments when you’re unable to resist a tasty treat. It probably happened later in the day after you’d completed a dozen tasks and made a series of important decisions.

The key thing to understand is that The Miracle Morning isn’t about trying to deny yourself another hour of sleep so you can have an even longer, harder day. It’s not even about waking up earlier. It’s about waking up better.

And beyond these, you need to be willing to work your own process—and do the Deep Inner Work necessary—so you can see your own blind spots. You can’t take your clients any deeper than you have been able to go in your own life.

Amateurs wait until they feel motivated before writing. Professionals treat it like a job where they clock in and clock out every day—usually around the same time. They write when motivated. They write when not motivated. And sometimes they write when it’s the last thing they want to do.

The purpose of a goal isn’t to hit the goal. The real purpose is to develop yourself into the type of person who can achieve your goals, regardless of whether you hit that particular one or not. It is who you become, by giving it everything you have until the last moment—regardless of your results—that matters most.

When you read the phrase “selling your product or service,” don’t just think in terms of the product or service your company sells, but also your individual and intangible personal product or service—you. And understand that you need to sell you and your ideas in order to advance your career, gain more respect, and increase your success, influence, and income. And

One of the most powerful ways to increase your savings isn’t to raise your income. It’s to raise your humility. When you define savings as the gap between your ego and your income you realize why many people with decent incomes save so little. It’s a daily struggle against instincts to extend your peacock feathers to their outermost limits and keep up with others doing the same.

Don’t allow the roles to become reversed in a conversation with a prospect. In other words, don’t let them become the coach and you the client. Don’t become needy and put yourself in the position of saying, “Well, you know, anything you want, call me anytime, tell me when you are available…” as you fall all over yourself to talk to them. It’s called role reversal when you do this.

The objective of policy should be to reduce human suffering. We aim for a lower U-index in society. Dealing with depression and extreme poverty should be a priority.” “The easiest way to increase happiness is to control your use of time. Can you find more time to do the things you enjoy doing?” “Beyond the satiation level of income, you can buy more pleasurable experiences, but you will lose some of your ability to enjoy the less expensive ones.

When you’re arrogant and egotistical,” says Dr. Olds, “you’re shutting out complexity, novelty, and unpredictability to preserve a distorted self-image. Any incoming information that could lead to self-doubt is stamped out. It’s a massive data reduction. Humility moves in the other direction, it opens us up and increases incoming information. As a result, there is more opportunity for pattern recognition, more dopamine, and less need for judgmental metacognition.

August 29th WANT NOTHING = HAVE EVERYTHING “No person has the power to have everything they want, but it is in their power not to want what they don’t have, and to cheerfully put to good use what they do have.” —SENECA, MORAL LETTERS, 123.3 Is there a person so rich that there is literally nothing they can’t afford? Surely there isn’t. Even the richest people regularly fail in their attempts to buy elections, to purchase respect, class, love, and any number of other things that are not for sale. If obscene wealth will never get you everything you want, is that the end of it? Or is there another way to solve for that equation? To the Stoics, there is: by changing what it is that you want. By changing how you think, you’ll manage to get it. John D. Rockefeller, who was as rich as they come, believed that “a man’s wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on $10 and has everything he desires, he really is rich.” Today, you could try to increase your wealth, or you could take a shortcut and just want less.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

I mean, if you accept the framework that says totalitarian command economies have the right to make these decisions, and if the wage levels and working conditions are fixed facts, then we have to make choices within those assumptions. Then you can make an argument that poor people here ought to lose their jobs to even poorer people somewhere else... because that increases the economic pie, and it's the usual story. Why make those assumptions? There are other ways of dealing with the problem. Take, for example rich people here. Take those like me who are in the top few percent of the income ladder. We could cut back our luxurious lifestyles, pay proper taxes, there are all sorts of things. I'm not even talking about Bill Gates, but people who are reasonably privileged. Instead of imposing the burden on poor people here and saying "well, you poor people have to give up your jobs because even poorer people need them over there," we could say "okay, we rich people will give up some small part of our ludicrous luxury and use it to raise living standards and working conditions elsewhere, and to let them have enough capital to develop their own economy, their own means." Then the issue will not arise. But it's much more convenient to say that poor people here ought to pay the burden under the framework of command economies—totalitarianism. But, if you think it through, it makes sense and almost every social issue you think about—real ones, live ones, ones right on the table—has these properties. We don't have to accept and shouldn't accept the framework of domination of thought and attitude that only allows certain choices to be made... and those choices almost invariably come down to how to put the burden on the poor. That's class warfare. Even by real nice people like us who think it's good to help poor workers, but within a framework of class warfare that maintains privilege and transfers the burden to the poor. It's a matter of raising consciousness among very decent people.

Money doesn’t make the cut. People who make more than $5 million a year are not appreciably happier than those who make $100,000 a year, the Journal of Happiness Studies found. Money increases happiness only when it lifts people out of poverty to about $50,000 a year in income. Past that, wealth and happiness part ways. This suggests something practical and relieving: Help your children get into a profession that can at least make around $50,000 a year. They don’t have to be millionaires to be thrilled with the life you prepare them for. After their basic needs are met, they just need some close friends and relatives. And sometimes even siblings, as the following story attests.

On the Craft of Writing:  The Story Grid: What Good Editors Know by Shawn Coyne The Elements of Style by William Strunk Jr. and E. B. White 2K to 10K: Writing Faster, Writing Better, and Writing More of What You Love by Rachel Aaron  On Writing: A Memoir of the Craft by Stephen King Take Off Your Pants! Outline Your Books for Faster, Better Writing by Libbie Hawker  You Are a Writer (So Start Acting Like One) by Jeff Goins Prosperity for Writers: A Writer's Guide to Creating Abundance by Honorée Corder  The Artist's Way by Julia Cameron The War of Art: Break Through the Blocks and Win Your Inner Creative Battles by Steven Pressfield Business for Authors: How To Be An Author Entrepreneur by Joanna Penn  On Writing Well: The Classic Guide to Writing Nonfiction by William Zinsser Writing Tools: 50 Essential Strategies for Every Writer by Roy Peter Clark On Mindset:  The One Thing: The Surprisingly Simple Truth Behind Extraordinary Results by Gary Keller and Jay Papasan The Art of Exceptional Living by Jim Rohn Vision to Reality: How Short Term Massive Action Equals Long Term Maximum Results by Honorée Corder The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen R. Covey Essentialism: The Disciplined Pursuit of Less by Greg Mckeown Mastery by Robert Greene The Success Principles: How to Get from Where You Are to Where You Want to Be by Jack Canfield and Janet Switzer The Game of Life and How to Play It by Florence Scovel Shinn The Compound Effect by Darren Hardy Taking Life Head On: How to Love the Life You Have While You Create the Life of Your Dreams by Hal Elrod Think and Grow Rich by Napoleon Hill In

When we begin to practice tranquillity meditation, it may be difficult to maintain this awareness. That’s why we focus on the exhalation and inhalation of the breath rather than on what is going on in the mind, because focusing on our thoughts and emotions is much more difficult. We can formalize this technique by counting the incoming and outgoing breaths, in whatever rhythm is natural for us. In the beginning, you count an exhalation and inhalation as one breath and continue counting until you reach seven breaths, before returning to the count of one again. When we breathe out, we should know that we are breathing out, and when we breathe in, we should know that we are breathing in. When you’re comfortable counting seven breaths, you increase the number to fifteen and then to twenty-one. When you can hold your attention on the breath for twenty-one cycles, you will have developed some proficiency in mindfulness.

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.)

Found a startup society. This is simply an online community with aspirations of something greater. Anyone can found one, just like anyone can found a company or cryptocurrency.2 And the founder’s legitimacy comes from whether people opt to follow them. Organize it into a group capable of collective action. Given a sufficiently dedicated online community, the next step is to organize it into a network union. Unlike a social network, a network union has a purpose: it coordinates its members for their mutual benefit. And unlike a traditional union, a network union is not set up solely in opposition to a particular corporation, so it can take a variety of different collective actions.3 Unionization is a key step because it turns an otherwise ineffective online community into a group of people working together for a common cause. Build trust offline and a cryptoeconomy online. Begin holding in-person meetups in the physical world, of increasing scale and duration, while simultaneously building an internal economy using cryptocurrency. Crowdfund physical nodes. Once sufficient trust has been built and funds have been accumulated, start crowdfunding apartments, houses, and even towns to bring digital citizens into the physical world within real co-living communities. Digitally connect physical communities. Link these physical nodes together into a network archipelago, a set of digitally connected physical territories distributed around the world. Nodes of the network archipelago range from one-person apartments to in-person communities of arbitrary size. Physical access is granted by holding a web3 cryptopassport, and mixed reality is used to seamlessly link the online and offline worlds. Conduct an on-chain census. As the society scales, run a cryptographically auditable census to demonstrate the growing size of your population, income, and real-estate footprint. This is how a startup society proves traction in the face of skepticism. Gain diplomatic recognition. A startup society with sufficient scale should eventually be able to negotiate for diplomatic recognition from at least one pre-existing government, and from there gradually increased sovereignty, slowly becoming a true network state.

THE PAYOFF IS EXTRAORDINARY I was giving a seminar in Detroit a couple of years ago when a young man, about thirty years old, came up to me at the break. He told me that he had first come to my seminar and heard my “3 Percent Rule” about ten years ago. At that time, he had dropped out of college, was living at home, driving an old car, and earning about $20,000 a year as an office-to-office salesman. He decided after the seminar that he was going to apply the 3 Percent Rule to himself, and he did so immediately. He calculated 3 percent of his income of $20,000 would be $600. He began to buy sales books and read them every day. He invested in two audio-learning programs on sales and time management. He took one sales seminar. He invested the entire $600 in himself, in learning to become better. That year, his income went from $20,000 to $30,000, an increase of 50 percent. He said he could trace the increase with great accuracy to the things he had learned and applied from the books he had read and the audio programs he had listened to. So the following year, he invested 3 percent of $30,000, a total of $900, back into himself. That year, his income jumped from $30,000 to $50,000. He began to think, “If my income goes up at 50 percent per year by investing 3 percent back into myself, what would happen if I invested 5 percent? KEEP RAISING THE BAR The next year, he invested 5 percent of his income, $2,500, into his learning program. He took more seminars, traveled cross-country to a conference, bought more audio- and video-learning programs, and even hired a part-time coach. And that year, his income doubled to $100,000. After that, like playing Texas Hold-Em, he decided to go “all in” and raise his investment into himself to 10 percent per year. He told me that he had been doing this every since. I asked him, “How has investing 10 percent of your income back into yourself affected your income?” He smiled and said, “I passed a million dollars in personal income last year. And I still invest 10 percent of my income in myself every single year.” I said, “That’s a lot of money. How do you manage to spend that much money on personal development?” He said, “It’s hard! I have to start spending money on myself in January in order to invest it all by the end of the year. I have an image coach, a sales coach, and a speaking coach. I have a large library in my home with every book, audio program, and video program on sales and personal success I can find. I attend conferences, both nationally and internationally in my field. And my income keeps going up and up every year.

THE SIX LAWS OF WEALTH The First Law of Wealth: Keep a part of all you earn. Save at least 10% of your income. The Second Law of Wealth: Put your savings to work for you. Invest it so that it will multiply. The Third Law of Wealth: Avoid debt. The poor pay interest, while the rich earn interest. The Fourth Law of Wealth: Don’t speculate in get-rich-quick schemes. Invest in solid businesses that you understand. The Fifth Law of Wealth: Invest in yourself. Gain knowledge and skills to increase your earning power. The Sixth Law of Wealth: Safeguard your growing fortune with diversification and insurance.

If we can show we’re paying interns a living wage, then that makes our offensive that much more credible,” I said. Polly rubbed her temples, which is something she does when her headache pain returns. “Before you seriously consider just how much of a financial hit we would take in paying interns,” she said, “and what that would do to payroll, including my job, you should check your privilege. After you do that, get back to work.” At first, I didn’t know why my privilege had anything to do with anything, but I checked it anyway, because it’s always a good idea. I decided that she was right. A minimum-wage increase would do more to help low-income workers than the issue of whether or not my fellow interns and I were able to earn a few more dollars a week, and anything I could do to help get the legislation passed--even saying nice things about Mitt Romney!--was more important than ideological consistency and purity.

Chapter 3 What to Do with Money as You Save It Chapters 1 and 2 should have helped you understand the theory behind frugality and develop a practical plan to live on less than half your take-home pay; all in the context of building up your first $25,000. After reading those two chapters, you should understand what you need to do to put yourself in position to save thousands of dollars per month on a middle class income. Now, it’s time to deploy those savings in such a way as to develop your first year of financial runway. Your goal is stockpile a reserve capable of funding your frugal lifestyle for around a full year. Unlike many Americans who struggle to make ends meet, you now face a new problem. A good problem. You now have to decide how to deploy your rapidly expanding savings so that they extend your financial runway as much as possible. There are three initial steps that should be completed, in order, for the seeker of early financial freedom to build up that one-year stockpile. These three steps are (1) to build up an emergency fund of $1000 to $2000; (2) to pay off all “bad debts” (we define this term below) and build strong credit; and then (3) to build up one year of financial runway in the form of cash or equivalents By completing these three steps, readers will set themselves up for the next phase of wealth generation, discussed in part II. They will have the cash and credit they need to buy a home with ease, and will have the financial runway they need to pursue career opportunities with little risk of financial ruin. Central to the discussion in this chapter will be the concepts of debt—both good and bad debt—and credit. We must pay off our bad debts immediately, and treat them as a financial crisis. Good debts can still delay financial freedom, but may not need to be paid off early if money can be put to higher and better use in the meantime. While paying off bad debts and managing other debts, readers will want to focus on improving their credit scores as much as possible, and increase their access to credit.

Every so often a small fine effort could make huge changes to what you're doing. So making use of search engine optimization paintings for your website can bring giant amount of clients to you increasing your sales to a massive volume. So do not rush from metropolis to town, from united states to country in search of customers spending lots of dollars as a substitute rent a expert seo or examine it spending a few hundreds or maybe much less and let the clients approach you. So what are you looking ahead to, you could even wait for a miracle to show up or maybe take a tremendous step to increase your income.

Look at every job as a paid education; once you have learned all you can from a particular job, move on to another job until you have learned and saved enough to start your own business. So, if you are unhappy with your current employment, take my grandfather’s advice, i.e., look at your current position as a paid education, work another part-time job to enhance your education, find another job to continue your paid education, and then, start your own business to increase your income.

Contrary to popular opinion, a home is not an asset for creating real wealth, it is a liability.22 Your home does not generate any income; it is a Money Pit. You have to pay the mortgage, utilities, maintenance, property taxes that continue to go up each year, and, insurance that tends to also increase annually. After so many years, kitchens need remodeling, carpets & flooring replaced, and, painting and decorating requiring new furniture to match the updated changes. And, the larger the home the more furniture that is needed to fill it up.

Many people report that the greatest fear they face today is the fear of not having enough money to maintain their lifestyle throughout retirement. Does this sound like you? Social Security is still a vital role in retirement income. The greatest benefit Social Security provides is regular income that is guaranteed to increase over time and continue as long as you live. Keep in mind, Social Security taxes are just that – taxes. As a result, a worker’s retirement security is entirely dependent upon political decisions. Nevertheless, for now, this benefit makes Social Security one of the most valuable sources of income during one’s retirement. Unfortunately, most Americans do not know much about Social Security. They know even less about how to maximize the benefits that may help sustain them throughout retirement. Whether you are depending upon Social Security to make a significant impact on your retirement income or just a part of your entire financial portfolio, it would be wise to understand which claiming options are available to get the most out of your Social Security income. Even in these tough times and volatile markets, we help our clients take a comprehensive approach to their retirement planning. We offer a complimentary service that we call Social Security Maximization or SSI Max. There are hundreds of ways to claim your Social Security, but which one is right for you and your family? One simple mistake or misjudgment of the program can cost you thousands of dollars that you rightfully deserve. Download our free eBook: 4 Myths about Social Security Income to learn a few common misconceptions about Social Security Income. Find out your SSI Max Strategy Our team of experts use a proprietary system that links to the government’s official Social Security website. It only takes a few minutes to generate your SSI Max Report. Click here to see a sample report and act quickly to get your very own personalized report. Just schedule a call with me to find out your very own, optimal SSI Max Strategy! Click here to schedule now! P.S. – Be sure to ask me about including a “Shortfall Analysis” in your report. Our clients are LOVING this feature! Seriously! What is it? Our Advanced Case Design team builds a comprehensive financial plan best suited for your specific situation by considering all of your retirement vehicles. This is, without a doubt, the best retirement planning offer you will see in a very, very long time!

MY RECOMMENDATION Below is my advice about regarding selling SpaceX stock or options. No complicated analysis is required, as the rules of thumb are pretty simple. If you believe that SpaceX will execute better than the average public company, then our stock price will continue to appreciate at a rate greater than that of the stock market, which would be the next highest return place to invest money over the long term. Therefore, you should sell only the amount that you need to improve your standard of living in the short to medium term. I do actually recommend selling some amount of stock, even if you are certain it will appreciate, as life is short and a bit more cash can increase fun and reduce stress at home (so long as you don’t ratchet up your ongoing personal expenditures proportionately). To maximize your post tax return, you are probably best off exercising your options to convert them to stock (if you can afford to do this) and then holding the stock for a year before selling it at our roughly biannual liquidity events. This allows you to pay the capital gains tax rate, instead of the income tax rate.

Becoming an expert not only establishes you as a leader in your field, it will make you a trusted resource that people can rely on for new and innovative ideas. In addition to raising the stakes and helping you increase your income, your expertise will serve to make a powerful first impression, which will truly help you shine and stand apart from the crowd. Having fun and meeting interesting, incredible people along the way is an added bonus!

Expert Tips On Search Engine Optimization That Are Proven To Work Each business with a Web site needs to make Search Engine Optimization (SEO) part of their growth strategy, working to get their site ranked as high as possible on the major search engines. With a little work, a different approach, and these tips, you can get your site ranked well with the search engines. To create more traffic to your site and to improve your standings with search engines, you can write and submit articles to online article directories. The directories make their articles available to countless people who will read your submissions and follow the links back to your site. This has the potential to bring traffic to your site far into the future as these links remain active for many years. To help site crawlers better understand your site, you should use keywords as your anchor text for internal links. Non-descript links such as, "click here," do not help your site as they offer no information to the search engines. This will also help your site to appear more cohesive to human visitors. Be varied in the page titles of your site, but not too lengthy. Targeting over 70 characters will begin to diminish the weight of the page or site. Keep the titles condensed and intersperse a wide variety of your keywords and phrases amongst them. Each individual page will add its own weight to the overall search. In order to optimize incoming links to raise your search engine rankings, try to have links to different parts of your website, not just your homepage. Search engine spiders read links to different parts of your site, as meaning that your site is full of useful and relevant content and therefore, ranks it higher. One way to enhance your standing in website search rankings is to improve the time it takes your website to load. Search engines are looking to deliver the best possible experience to their searchers and now include load time into their search ranking protocols. Slow loading sites get lost in the mix when searchers get impatient waiting for sites to load. Explore ways to optimize your loading process with solutions like compressed images, limited use of Flash animations and relocating JavaScript outside your HTML code. Publish content with as little HTML code as possible. Search engines prefer pages that favor actual content instead of tons of HTML code. In fact, they consistently rank them higher. So, when writing with SEO in mind, keep the code simple and concentrate on engaging your audience through your words. Do not obsess over your page rankings on the search engines. Your content is more important than your rank, and readers realize that. If you focus too much on rank, you may end up accidentally forgetting who your true audience is. Cater to your customers, and your rank will rise on its own. As you can see, you need to increase your site's traffic in order to get ranked higher. This is possible to anyone who is willing to do what it takes. Getting your site ranked with the top search engines is highly possible, and can be done by anyone who will give it a chance.

If you rented, you paid someone else $24,000. But if you owned and itemized your federal income taxes, you likely deducted over $10,600 in mortgage interest on your income taxes. You also paid your loan down by over $4,000 while at the same time increasing your equity position in the house by nearly $20,000.

Discipline

2. Planning is important, but the most important part of every plan is to plan on the plan not going according to plan. What’s the saying? You plan, God laughs. Financial and investment planning are critical, because they let you know whether your current actions are within the realm of reasonable. But few plans of any kind survive their first encounter with the real world. If you’re projecting your income, savings rate, and market returns over the next 20 years, think about all the big stuff that’s happened in the last 20 years that no one could have foreseen: September 11th, a housing boom and bust that caused nearly 10 million Americans to lose their homes, a financial crisis that caused almost nine million to lose their jobs, a record-breaking stock-market rally that ensued, and a coronavirus that shakes the world as I write this. A plan is only useful if it can survive reality. And a future filled with unknowns is everyone’s reality. A good plan doesn’t pretend this weren’t true; it embraces it and emphasizes room for error. The more you need specific elements of a plan to be true, the more fragile your financial life becomes. If there’s enough room for error in your savings rate that you can say, “It’d be great if the market returns 8% a year over the next 30 years, but if it only does 4% a year I’ll still be OK,” the more valuable your plan becomes. Many bets fail not because they were wrong, but because they were mostly right in a situation that required things to be exactly right. Room for error—often called margin of safety—is one of the most underappreciated forces in finance. It comes in many forms: A frugal budget, flexible thinking, and a loose timeline—anything that lets you live happily with a range of outcomes. It’s different from being conservative. Conservative is avoiding a certain level of risk. Margin of safety is raising the odds of success at a given level of risk by increasing your chances of survival. Its magic is that the higher your margin of safety, the smaller your edge needs to be to have a favorable outcome.

The low p-values indicate that both education and IQ are statistically significant. The coefficient for IQ (4.796) indicates that each additional IQ point increases your income by an average of approximately $4.80 while controlling everything else in the model. Furthermore, the education coefficient (24.215) indicates that an additional year of education increases average earnings by $24.22 while holding the other variables constant.

When asked “With respect to your job/career you would like to have, how important are the following to you?” The rating scale ranged from 1 (not important) to 7 (very important). Men exposed to young, attractive women rated “having a large income” to be 5.09, whereas men exposed to older, less attractive models rated it only 3.27—an astonishingly large effect. Similar differences occurred in rating the importance of “being financially successful.” A full 60 percent of the men exposed to young, attractive models described themselves as “ambitious,” compared to 9 percent of the men exposed to older, less-attractive models. Another study found that merely having a young woman in the same room caused men to increase the importance they attach to having material wealth (Roney, 2003). Similar effects have been found by others. Men “primed” with attractive images of women display more creativity, independence, and nonconformity, causing them to stand out from other men (Griskevicius, Cialdini, & Kenrick, 2006; Griskevicius, Goldstein, Mortensen, Cialdini, & Kenrick, 2006). Chinese men also increase risk taking when being observed by women (Shan et al., 2012). In short, when mating motives are “primed” by exposure to young, attractive women, a cascade of psychological shifts occurs in men such that they value and display precisely what women want and hence what men need to succeed in mate competition.

The average estimate implies that when your income increases by 10 percent, your CO2 emissions increase by 9 percent.

Disability insurance provides a portion of your income if you can't work because of an illness or non-job-related injury. To me, being over 50 doesn't lessen the need for it. On the contrary, it may increase it. Many people in their fifties are in their peak earning years and building their retirement nest egg. An extended disability at this time of life could completely derail their financial future.

The /utility /economists, according to Wicksell, were committed to a “thoroughly revolutionary programme” precisely on this question of distribution of income.^9 Marshall, and to some extent Pigou, got out of the fix that their theory had landed them in by emphasizing the danger to total physical national income that would be associated with an attempt to increase its /utility /by making its distribution more equal. This argument has been spoiled by the Keynesian revolution. If, as Keynes expected, saving is more than sufficient for a satisfactory rate of private investment, to use it for social purpose is not only harmless but actually beneficial to National Income, while if more total saving is needed than would be forthcoming under /laisser faire /it can easily be supplemented by budget surpluses. Edgworth, as we saw above,^10 and many after him, took refuge in the argument that we do not really know that greater equality would promote greater happiness, because individuals differ in their capacity for happiness, so that, until we have a thoroughly scientific hedonimeter, “the principle ‘every man, and every woman, to count for one,’ should be very cautiously applied.”^11 Many years ago, this point of view was expressed by Professor Harberler: “How do I know that it hurts you more to have your leg cut off than it hurts me to be pricked by a pin?” It seemed at the time that it would have been more telling if he had put it the other way round. Such arguments are getting rather dangerous nowadays, for though we shall presumably never have a hedonimeter whose findings would be unambiguous, the scientific measurement of pain is fairly well developed, and it would be very surprising if a national survey of the distribution of susceptibility to pain turned out to have just the same skew as the distribution of income. If the question is once put: Would a greater contribution to human welfare be made by an investment in capacity to produce knick-knacks that have to be advertised in order to be sold or an investment in improving the health service, it seems to me that the answer would be only too obvious; the best reply that /laisser-faire /ideology can offer is not to ask the question. [pp. 127-8]

Spending beyond a pretty low level of materialism is mostly a reflection of ego approaching income. A way to spend money, to show people that you have or had money. Think of it like this: and one of the most powerful ways to increase your savings isn't to raise your income, it's to raise your humility.

Think of it like this, and one of the most powerful ways to increase your savings isn’t to raise your income. It’s to raise your humility

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

What is Outsourcing? "Outsourcing" is the short form of the English word Outside Resourcing. The term outsourcing was first coined around 1989 and was first seen as a business strategy. Later in the 1990s, this subject was included as an important component of business economics. Since then people started to have various interests in outsourcing. Out means 'Outside' and source means 'Source'. In other words, the whole meaning of Outsourcing is "to bring work from an external source". Here are the key aspects of outsourcing: 1. Opportunities: It can encompass a wide range of functions including customer support, information technology services, human resources functions, manufacturing, accounting, marketing, and more. 2. Benefits: Outsourcing offers several benefits including cost savings, access to specialized skills and technology, increased efficiency, scalability, and ability to focus on core competencies. 3. Global Reach: Outsourcing is not restricted by geographical boundaries. That's why companies can engage service providers from around the world to access global talent pools and cost advantages. 4. Types of Outsourcing: Outsourcing can be divided into several categories. Such as Business Process Outsourcing (BPO), Information Technology Outsourcing (ITO), Knowledge Process Outsourcing (KPO), and many more depending on the nature of the service being outsourced. 5. Challenges: Although outsourcing can offer many benefits. It also presents challenges related to data security, communication, cultural differences, and the need for effective management of outsourcing relationships. 6. Outsourcing model: Companies can choose from several outsourcing models, including offshoring (outsourcing to a service provider in another country), nearshoring (outsourcing to a service provider in a nearby country), and onshoring (outsourcing to a service provider within the same country). Outsourcing means the process of taking the work of an organization or company from an external source. For example – “You Can't find any qualified person within the company to do a job in your company. So you offer some money to an outside freelancer to do the job and he agrees to do the job. Well, that's called outsourcing”. Simply put, outsourcing is basically the payment you pay a freelancer to do the work they are good at.

Freelancing and Creativity In Freelancing, doing a job in different ways is called creativity. The importance of creativity is immense among all that is required for freelancing work because creativity is the main thing of freelancing. It is difficult to give an exact definition of creativity. Because there is no end to creativity. In the case of some, creativity or the development of creativity begins to manifest naturally, while for some it manifests through talent, practice, and practice. Creativity is basically a mental process that is the result of positive thinking, perseverance, and high analytical ability. Just as it takes practice, practice, and dedication to develop this creativity, there is a high chance that this creativity will be wasted if it is not properly used or applied. Below are the causes of creativity loss and ways to increase Creativity: ** Reasons for loss of Creativity - 1. Lack of focus on work – Creativity does not arise if there is no focus on work, to complete a task properly, there must be focus on it. 2. Irregular sleep – the brain does not work properly if you do not sleep properly, repeated sleep disturbances can also cause many mental problems that hinder creativity. 3. Suffering from indecisiveness – Having too many negative thoughts running through your head while doing a task can also hamper creativity. For example: if the work is going well, if the client likes it, if the client doesn't like it, if the client doesn't pay, etc. 4. Fear of not succeeding at work – Many people rush to work for quick cash income, but it does not work properly or on the contrary, more creativity is lost, which results in payment time problems. As a result, the fear of not succeeding enters the freelancer. ** Ways to Increase Creativity - 1. Dietary discipline – Of course, there is no substitute for healthy eating. Consuming regular meals maintains mental and physical well-being which in turn enhances creativity. 2. Gaining knowledge from nature – Nature is the main source of knowledge. All the sages and poets in the world were worshipers of nature. All of them could see something extraordinary in the ordinary things of this nature. Try to see it that way. 3. From everyday events – notice what is happening around you. You can get new ideas from it, for example, you can get an idea on any subject by reading a book, and new ideas can be invented while watching TV or watching newspaper advertisements. 4. Write down ideas – We all have something going on in our heads all the time, either mainly through thought or sensory processing. So whenever you get an idea, note it down so that you don't forget to read it. So, creativity is created by the combination of ideas and skills. Freelancing is unthinkable without this creativity because to do freelancing you must have a clear idea about something or acquire full skill in that subject.

focus on nonmaterial things Comparing often focuses on the materialistic or quantifiable things people have instead of the quality. Cars, clothes, houses, income, and the like are all quantifiable. Yet family, health, friends, and our life experiences make life much richer. Spend more time enjoying the nonmaterial side of things and your personal journey through life instead of on the “things” you have or don’t have.

Note that the Bible talks a lot about money. And a lot of those verses are warnings against the temptations of wealth—how the love of money can corrupt our hearts and destroy our lives. Those warnings are very serious, and we must listen and obey. Money, like anything good in this world, can pulls us away from God and His way. The other day, I was reading a sad report on giving. According to the study, when people's income increases, their giving decreases. Sadly, the poor outgive the rich. Because money can become an idol that we worship. And I'll be the first one to tell you to prioritize peace over prosperity any time of the day. God must be the center of every area of our life, especially our financial life. At the end of the day, only God can satisfy the deepest longings of your life. Very Important Point: As much as there are Success Principles in the Bible, its core message is not how to succeed in your work or finances but in following Jesus and building His Kingdom in this world.

Don’t increase your lifestyle until your passive income surpasses your active income. You’ll know you can and should buy that luxury item when the cost of keeping it is totally covered by your passive income. The things you own (such as dividend-paying stocks, oil partnerships, and real estate investment trusts) should pay for the things you enjoy and consume.

When someone sees the world differently, they show up differently, and they create results that looked impossible a moment before. That is a miracle.

always want to be the person who demonstrates what other people merely promise.

As the president of your own life, as the spouse or parent in your own family, you owe it to the important people in your life to be on a growth curve, to be continually increasing in value, income, and profitability as the years progress.

Consumers were wary of taking on debt after working it down during the recession and increased their spending only about as much as their incomes increased. This lack of a spending burst at the end of the recession earned the recovery its characterization, and criticism, as a “slow” recovery.

1. You might want to perform an audit of the paperwork your sales team is required to fill out to determine whether it is actually needed to produce sales. If it does not directly contribute to sales, get rid of it. If the paperwork is providing the company with necessary information, analyze how you can go about obtaining that information without burdening the sales team. By removing that burden from the sales team, could you see a pickup in selling time that will translate to an increase in sales?   2. Have you had to reduce territories, products, or rep income? What was the effect on your team?   3. Do you allow your team members the right to fail? What constitutes too much failure for an individual, and where do you draw the line? How do you communicate your policy to maintain a consistent message that is seen as fair and reasonable by your sales team?

Why double? Because you are positioning yourself as someone experienced, reliable, who offers what your clients value most, highly recommended by key influencers, and above all, extremely honest to guarantee results based on key concerns (or else you will act responsibly to live up to the credibility you’ve built), not to mention that your time becomes more valuable as the demand increases.

To fit into the Golden Straitjacket a country must either adopt, or be seen as moving toward, the following golden rules: making the private sector the primary engine of its economic growth, maintaining a low rate of inflation and price stability, shrinking the size of its state bureaucracy, maintaining as close to a balanced budget as possible, if not a surplus, eliminating and lowering tariffs on imported goods, removing restrictions on foreign investment, getting rid of quotas and domestic monopolies, increasing exports, privatizing state-owned industries and utilities, deregulating capital markets, making its currency convertible, opening its industries, stock and bond markets to direct foreign ownership and investment, deregulating its economy to promote as much domestic competition as possible, eliminating government corruption, subsidies and kickbacks as much as possible, opening its banking and telecommunications systems to private ownership and competition and allowing its citizens to choose from an array of competing pension options and foreign-run pension and mutual funds. When you stitch all of these pieces together you have the Golden Straitjacket. . . . As your country puts on the Golden Straitjacket, two things tend to happen: your economy grows and your politics shrinks. That is, on the economic front the Golden Straitjacket usually fosters more growth and higher average incomes—through more trade, foreign investment, privatization and more efficient use of resources under the pressure of global competition. But on the political front, the Golden Straitjacket narrows the political and economic policy choices of those in power to relatively tight parameters. . . . Governments—be they led by Democrats or Republicans, Conservatives or Labourites, Gaullists or Socialists, Christian Democrats or Social Democrats—that deviate too far from the core rules will see their investors stampede away, interest rates rise and stock market valuations fall.36

God has ways to increase you beyond your normal income,

One of our most effective coping skills is simply sticking together. In a 2011 New Yorker article called “Social Animal,” David Brooks writes, “Research over the past thirty years makes it clear that what the inner mind really wants is connection . . . Joining a group that meets just once a month produces the same increase in happiness as doubling your income.

Step 1: Secure your basic needs: food, clothing and shelter. Step 2: Create a $1,000 emergency fund. Step 3: Pay off all debts as fast as possible, other than your home. Step 4: Increase your emergency fund until it reaches 6 to 10 months of your basic needs. Step 5: Begin saving 15 percent of your income for retirement. Step 6: If so desired, save for your child's college education. Step 7: Pay off your mortgage early. Step 8: Express your values with your money. Tactics That Bring Your Strategies to Life Live by a zero-balance budget, created at

Seller Checklist Client: Agent Phone: Agent Cell: Create Seller Folder Pre-listing ___ Listing Introduction Appointment/Pre-listing Questions Answered ___ Confirmation Note Sent ___Listing Items ___Listing Introduction Appointment ___Scheduled Listing Paperwork Appointment ___Buckle Your Seatbelts Letter Sent w/ Include Preparation Checklist ___Schedule Monday Contact in Calendar ___ Listing Paperwork Appointment ___ Listing Basket Delivered/Sign In Yard/Lockbox ___ Listing Agreement and All Disclosures Signed, Make Copies ___ We Have Lift Off Letter Sent/Copy of Listing Agreement/Seller Gameplan ___ Listing on MLS Flyers Ready To Go Feedback Activity Log

Aquarius Horoscope 2015 In A Nutshell Aquarians, 2015 will give you mixed results. You may feel some breach within your relations with loved ones. But, don't cry your eyes out, everything happens for some good reason. Your bitter language could be one of its reasons. So, try to be as polite as possible. As per the horoscopes for 2015, you may stay stressed due to the health of a family member. But, nothing to be worried about, time will pass by swiftly. On the other hand, your health looks fine. Horoscopes 2015 foretell that you may stay busy with lawsuits. But don't worry, you will break the back of the beast. As per 2015 predictions, the second half of the year will bring betterment to your love life. Married life will be very blissful. Cupids seem quite happy with you. You will be on cloud nine. 2015 horoscopes say that good improvement at workplace is seen. It is a celebration time. According to the 2015 astrology, income and education will also increase. Looks like you are going to be on the ball this time. Remedy: Donate yellow clothes to a priest.

To appreciate how income taxation reduces prosperity form what it could be, imagine a 100 percent tax on incomes. We wouldn't expect much prosperity in such a society. People would have no incentive to earn money. They would devote resources to hiding the little they did earn. No investments would be made. No savings would exist to increase living standards. People's activities would be grossly influenced by the tax. If we lower the rate from 100 percent, the principle does not change. . . If you want less of something, tax it.

Swift Solutions For doterra products With the growth of financial development and fast advancement in industrialization. Our manner of living have undergone a drastic change leading to brisk rise of various life-style disorders and ailments and has rendered us helpless. Due to this phenomenon more and more folks are aware about eco-friendly lifestyle and boosting one's well being. Several of the very best doterra products that are listed can contain although all doterra products are marked to be the best; Sassy and Slim Milkshakes: this doterra merchandise is well-known to be an enormous benefit for those that seek to throw several weights down. The product can be found in vanilla and chocolate, orange cream flavors. It is highly successful in relieving ailments and also because using doterra oils is totally convenient, safe and free from complications, They add value to ones wellbeing and is also advantageous in promoting aesthetics and preliminary measures, doterra are a rich source of antioxidants that helps in boosting natural hormones and immunity. Apart from essential oils doterra also offers other weight loss and wellness products aimed to preserve contentment and good health. Starting off as provider or a wellness advocate of doterra can be beneficial with regard to financial also as it is exceptionally favored by its users for price range that is affordable and its effectiveness. Since the patronization of the product is high among wellness enthusiast opportunities of good yields and income is continuous. Once you register and partner with awareness and doterra proper training to elevate your company is also conducted which will ultimately increase your sales and marketing insights and will ultimately result in achievement of your venture. The settlement in doterra is favorable and hard work is rewarded with great income and feasibility. With commitment and proper guidance you could be a success story in the wellness marketplace in satisfying your dreams supported by doterra.

For long-term success, invest 5-10% of your time each day and 5-10% of your income each month in increasing your wisdom.

Bruce Mesnekoff Discussing About Refinancing Student Loan and Consolidation Loan repayment is a major goal for any graduate after college. According to our Expert from Student Loan Help Center, Mr.Bruce Mesnekoff, Every individual dreams of a loan free future and having some financial stability. To achieve this, there are options available to help with loan repayment. In our earlier article we spoke about consolidating student loans. In this article, we will discuss refinancing student loans and its associated advantages. So Bruce Mesnekoff, how consolidation and refinancing are different in terms? These two terms are used interchangeably by most people but there is substantial difference between the two. Understanding the difference is critical to know when can each be used and whether it will solve your purpose or not. Consolidation lets you combine all your student loans into one loan and pay interest at a weighted average. Refinancing is taking a new loan to pay off all your student loans. Refinancing is not available for federal loans but only for private loans.Also only private loan lenders provide the option of refinancing, though a few might provide you with the option of refinancing private and federal loans. Why Refinancing and Bruce Mesnekoff tells us what are the Advantages of it? Refinancing has certain benefits if you get good pay. You will have to pay lesser interest rate. This helps you save monthly and eventually a bigger bank balance down the years. Your credit score is high which will help you gain multiple offers from lenders with lesser interest rate. Offers you variable loan interest which come handy if you took loan when interest rates were too high. You also have the option of decreasing your loan repayment cycle, This will increase monthly repayment amount but you will be loan free in shorter time and will save on even more interest money. Disadvantages There is one major disadvantage that comes when you refinance private and federal loans. The benefits offered by federal loans like public loan forgiveness program or income driven repayment will not be transferred to private lenders. So if you are truly confident of your income then you can do away with such options and completely rely on private loans. So Bruce Mesnekoff , Can you tell us Eligibility Criteria, I think its most important for our students. The eligibility is determined by your financial stability, your credit score, employment history etc. If you have poor credit, you can always have a co-signer to make the process feasible. Refinancing is surely a great way to save money, but whether it best fits you or not is completely your decision. Thoroughly analyze all the pros and cons against your goal and then take the first step. Make the best use of the number of lenders available to provide you with the best solution for your areas of concerns. Good Luck! You can also contact Bruce Mesnekoff an author of The ultimate guide to student loans and CEO of Student Loan Help Center Florida.

Interestingly, the propensity for sharing was more likely outside the United States (especially high in India and Indonesia), was highest among those with higher income, and was increased when associated with potential for research to help others or reduction in their health care costs. Overall,

There are many facets to the decline in fairness and opportunity in American life. Perhaps the worst are the conditions now imposed upon young children born into the underclass and subjected to the recent evolution of the educational system. They are related, and they reinforce each other; their combined result is to condemn tens of millions of children, particularly those born into the new underclass, to a life of hardship and unfairness. For any young child whose parents don’t have money, or who is the child of a migrant agricultural worker and/or an illegal immigrant, prenatal care, nursery, day care, after school, school nutrition, and foster-care systems are nothing short of appalling. And then comes school itself. The “American dream”, stated simply, is that no matter how poor or humble your origins—even if you never knew your parents—you have a shot at a decent life. America’s promise is that anyone willing to work hard can do better over time, and have at least a reasonable life for themselves and their own children. You could expect to do better than your parents, and even be able to help them as they grew old. More than ever before, the key to such a dream is a good education. The rise of information technology, and the opening of Asian economies, means that only a small portion of America’s population can make a good living through unskilled or manual labour. But instead of elevating the educational system and the opportunities it should provide, American politicians, and those who follow their lead around the globe, have been going in exactly the wrong direction. As a result, we are developing not a new class system, but, without exaggeration, a new caste system—a society in which the circumstances of your birth determine your entire life. As a result, the dream of opportunity is dying. Increasingly, the most important determinant of a child’s life prospects—future income, wealth, educational level, even health and life expectancy—is totally arbitrary and unfair. It’s also very simple. A child’s future is increasingly determined by his or her parents’ wealth, not by his or her intelligence or energy. To be sure, there are a number of reasons for this. Income is correlated with many other things, and it’s therefore difficult to isolate the impact of individual factors. Children in poor households are more likely to grow up in single-parent versus two-parent households, exposed to drugs and alcohol, with one or both parents in prison, with their immigration status questionable, and more likely to have problems with diet and obesity. Culture and race play a role: Asian children have far higher school graduation rates, test scores, and grades than all other groups, including whites, in the US; Latinos, the lowest.

Oil and Gas Investing in Permian Basin-Smart Move As the true scope of Permian Basin is being understood, one thing is very clear; it is going to attract a lot of investment. As in case of all oil and gas investments, the sooner you invest, the better your returns are going to be. Right now is the perfect time for oil and gas investing in Permian Basin. There are a lot of benefits of choosing to invest in things other than the property, shares and stocks circuit. It not just helps you spread out your earnings, it lets you test potential markets such as these. As these markets are not overcrowded, there is more scope for growth. But why should you choose oil and gas investing in Permian Basin when you have dependable assets elsewhere? The answer is that those assets multiply at such a slow pace that you forget they are there while when there is an oil and gas boom, it turns your fortunes. An oil well investment brings with it years of steady income with the benefit of tax deduction on the investment. It is not as much a gamble as it is made out to be and oil strikes are more frequent than people would like you to believe. About 15% annual income from oil and gas wells is exempt from tax and 65-85% of your first year's investment can be waived off. Gone are the days when all you could do with oil well was bore increasingly downwards, vertically. Now there is technology available that lets you draw oil supply for a long, long time after the initial vertical bore runs dry. With new advancements in drilling and extracting techniques, a lot of oil that was earlier as good as not being there has suddenly become readily available. Being with a company that is well equipped with the latest technology gives your investment more stability. That is one of the reasons for a revival of the boom in Permian Basin and it has been predicted to last for a long time to come. Choose with great care a reliable and experienced company that is a seasoned hand at oil and gas drilling and production. Oil and gas investing in Permian Basin is bound to attract many investors looking to be a part of the upward trend. Invest today and reap benefits for years to come.

It was a source of income for the United Kingdom to have the German Panzer Battalions rent their ranges for training.      In fact Major Brown took it upon himself to increase those profits in any way he could.  As we were all gathering in the mess the first evening for drinks before dinner, he had champagne delivered to our little contingent of officers.  We made it very clear to him we didn’t order this and didn’t want the cost appearing on our mess bills.  With a quick wink and a smile he told us not to worry.     “The damn Panzer officers are drinking our beer dry, so I told them the Royal Navy pilots only drink champagne.  Not to be out done, the Panzer Battalion Commander has ordered that his officers shall drink champagne while you’re here.  I’m socking it to them on the cost, so yours is on the house.

Know Brainers Brainpower of none: When you hit a mental wall, quiet your mind to regain brain energy and find fresh solutions. Learn to use silence to solve perplexing problems and think deeply. Brainpower of one: Work on one thing at a time. Sequential-task instead of multitask. Secondly, strategically block a large percentage of incoming information and consciously know what to select. Brainpower of two: Every day identify and dedicate the majority of time to your two most important “elephant” tasks.

So the problem is that GDP naturally counts today’s $900 chip as equivalent to one produced over two decades ago, even though the current one is more than 72,000 times more powerful for the same price. Thus, nominal wealth and income increases over the past few decades do not properly reflect the massive lifestyle advantages enabled by new technology. This distorts the interpretation of economic data and creates misleading perceptions, such as apparently slow or even stagnant wage growth. Even if your nominal wages stayed flat over the past two decades, you can now buy many thousands of times more computing power with them.

But in the new housing marketplace of the 21st century, everything had changed. People were getting rich, House values were soaring. There was no need for archaic processes values were writing or income verification. This was a new era. And no one wanted in on the profits more than Wall era. Ainvestment banks. They couldn't stand to sit on the sidelines and watch everyone else get rich. Making money was their game, and they not only wanted to play, they wanted to write the rules. And so they did. And what did these "Titans of Finance" create? The "100-percent financing, No-Doc, Stated Income, Negative Amortizing" loan. I laugh as I write this. Literally, a person could wrap all those features into one loan. It was beyond comical. It was insane. And what do these terms actually mean? • 100-percent financing: The buyers didn't need to contribute a single dime to actually purchase the house. They could finance it all, transferring all of the risk to the financial institutions. • No-Doc: The banks didn't verify such silly things as job status or credit history. Nope. If you could sign your name, you could buy a home. Stated Income: The clients told the banks how much they made. In other words, they lied. • Negative Amortizing: The clients payments wouldn't be large enough to even cover the monthly interest, so the principle balance on the loan would increase each month, putting them further and further into debt

It is permissible to do so to maintain a religious family. You may try to increase your income, but in an honest way. The goal of life is not the earning of money, but the service of God. Money is not harmful if it is devoted to the service of God.

MASTER: “It is permissible to do so to maintain a religious family. You may try to increase your income, but in an honest way. The goal of life is not the earning of money, but the service of God. Money is not harmful if it is devoted to the service of God.

It is much more expensive to acquire a new customer than to keep an old one. Yet many businesses will never recognize and change the things that cause them to lose their customers. They only focus on tactics to bring the new customer in the door to make enough profit for that month. I cannot stress enough the importance of focusing on retaining customers, which directly correlates to incredible growth and profits for the business. Providing exceptional customer service dramatically increases retention, which leads to increased referrals, which leads to dramatically increased profits and income.

Minor feelings occur when American optimism is enforced upon you, which contradicts your own racialized reality, thereby creating a static of cognitive dissonance. You are told, “Things are so much better,” while you think, Things are the same. You are told, “Asian Americans are so successful,” while you feel like a failure. This optimism sets up false expectations that increase these feelings of dysphoria. A 2017 study found that the ideology of America as a fair meritocracy led to more self-doubt and behavioral problems among low-income black and brown sixth graders because, as one teacher said, “they blame themselves for problems they can’t control.” Minor feelings are also the emotions we are accused of having when we decide to be difficult—in other words, when we decide to be honest. When minor feelings are finally externalized, they are interpreted as hostile, ungrateful, jealous, depressing, and belligerent, affects ascribed to racialized behavior that whites consider out of line. Our feelings are overreactions because our lived experiences of structural inequity are not commensurate with their deluded reality.

Remember, earlier I said there were three possible worlds, each representing a different degree to which parents might influence their kids. Sacerdote’s study suggests that we live in World 1, the one in which parents don’t have an enormous impact. A one standard deviation increase in the environment in which a child is raised, Sacerdote found, might raise a child’s adult income by about 26 percent—not nothing but not too many rungs up the socioeconomic latter. Further, Sacerdote found the effects of nature on a child’s income were some 2.5 times larger than the effects of nurture.