Multiple Income Quotes

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To make an exceptional living with a career as a writer, you need multiple sources of writing income to sustain lifelong earnings. Never depend on only one origin of income as a novelist.
Chris Mentillo
I count him braver who overcomes his desires, than him who conquers his enemies, for the hardest victory is the victory over self. ARISTOTLE
Robert G. Allen (Multiple Streams of Income: How to Generate a Lifetime of Unlimited Wealth!)
Otherwise, as one New Orleans community activist told me, we are providing low-income schools with tourists rather than teachers.
Lisa Delpit ("Multiplication Is for White People": Raising Expectations for Other People's Children)
The time to develop a multiple income source strategy is not when you run out of money. Then it will be too late.
Seth Godin (The Bootstrapper's Bible: How to Start and Build a Business with a Great Idea and (Almost) No Money)
You wouldn't need the second income, just learn to manage your income that, you have, without that you go nowhere, even you have multiple income resources in your hand
Ehsan Sehgal
Most Americans believe that if you work hard and full-time, you should not be poor. But the truth is that many working families are, and many low-income breadwinners must hold down multiple jobs just to survive.
Jim Wallis (God's Politics: Why the Right Gets It Wrong and the Left Doesn't Get It)
Too often, poverty and deprivation get covered as events. That is, when some disaster strikes, when people die. Yet, poverty is about much more than starvation deaths or near famine conditions. It is the sum total of a multiplicity of factors. The weightage of some of these varies from region to region, society to society, culture to culture. But at the core is a fairly compact number of factors. They include not just income and calorie intake. Land, health, education, literacy, infant mortality rates and life expectancy are also some of them. Debt, assets, irrigation, drinking water, sanitation and jobs count too. You can have the mandatory 2,400 or 2,100 calories a day and yet be very poor. India’s problems differ from those of a Somalia or Ethiopia in crisis. Hunger—again just one aspect of poverty—is far more complex here. It is more low level, less visible and does not make for the dramatic television footage that a Somalia and Ethiopia do. That makes covering the process more challenging—and more important. Many who do not starve receive very inadequate nutrition. Children getting less food than they need can look quite normal. Yet poor nutrition can impair both mental and physical growth and they can suffer its debilitating impact all their lives. A person lacking minimal access to health at critical moments can face destruction almost as surely as one in hunger.
Palagummi Sainath (Everybody loves a good drought)
Ultimately, a job, no matter how much you love it, will never hit every note for you, and it shouldn't. We should all strive to find multiple steams of fulfillment, challenges, and income. The more we rely on one role as an all-encompassing definition, the unhealthier our relationship with that role becomes.
Chelsea Fagan (The Financial Diet)
Entrepreneurs who kept their day jobs had 33 percent lower odds of failure than those who quit. If you’re risk averse and have some doubts about the feasibility of your ideas, it’s likely that your business will be built to last. If you’re a freewheeling gambler, your startup is far more fragile. Like the Warby Parker crew, the entrepreneurs whose companies topped Fast Company’s recent most innovative lists typically stayed in their day jobs even after they launched. Former track star Phil Knight started selling running shoes out of the trunk of his car in 1964, yet kept working as an accountant until 1969. After inventing the original Apple I computer, Steve Wozniak started the company with Steve Jobs in 1976 but continued working full time in his engineering job at Hewlett-Packard until 1977. And although Google founders Larry Page and Sergey Brin figured out how to dramatically improve internet searches in 1996, they didn’t go on leave from their graduate studies at Stanford until 1998. “We almost didn’t start Google,” Page says, because we “were too worried about dropping out of our Ph.D. program.” In 1997, concerned that their fledgling search engine was distracting them from their research, they tried to sell Google for less than $2 million in cash and stock. Luckily for them, the potential buyer rejected the offer. This habit of keeping one’s day job isn’t limited to successful entrepreneurs. Many influential creative minds have stayed in full-time employment or education even after earning income from major projects. Selma director Ava DuVernay made her first three films while working in her day job as a publicist, only pursuing filmmaking full time after working at it for four years and winning multiple awards. Brian May was in the middle of doctoral studies in astrophysics when he started playing guitar in a new band, but he didn’t drop out until several years later to go all in with Queen. Soon thereafter he wrote “We Will Rock You.” Grammy winner John Legend released his first album in 2000 but kept working as a management consultant until 2002, preparing PowerPoint presentations by day while performing at night. Thriller master Stephen King worked as a teacher, janitor, and gas station attendant for seven years after writing his first story, only quitting a year after his first novel, Carrie, was published. Dilbert author Scott Adams worked at Pacific Bell for seven years after his first comic strip hit newspapers. Why did all these originals play it safe instead of risking it all?
Adam M. Grant (Originals: How Nonconformists Move the World)
It is evident that wealth is even more unevenly distributed than income and that the gap is widening. Since 1976, wealth has increased by 63 percent for the wealthiest 1 percent of the population and by 71 percent for the top 20 percent. Wealth has decreased by 43 percent for the bottom 40 percent of the U.S. population (Economic Policy Institute 2011). The widening gap has multiple causes. First, shifts in the U.S. tax code have lowered the top tax rate from 91 percent in the years from 1950 to 1963, to 35 percent from 2003 to 2012, allowing the wealthy to retain far more of their income (Tax Policy Center 2012). Second, wages for most U.S. families have stagnated since the early 1970s. Moreover, credit card, education, and mortgage debt have skyrocketed. Finally, the collapse of the housing market beginning in 2007 dramatically affected many middleclass families who held a significant portion of their wealth in the value of their home. By 2012, fully 31 percent of all homeowners owed more on their mortgages than their homes were worth (Zillow 2012).
Kenneth J. Guest (Cultural Anthropology: A Toolkit for a Global Age)
for nearly a decade, the World Bank has been reiterating its finding that “crime and violence have emerged in recent years as major obstacles to the realization of development objectives.”8 The Bank has stated flatly, “In many developing countries, high levels of crime and violence not only undermine people’s safety on an everyday level, they also undermine broader development efforts to improve governance and reduce poverty.”9 Multiple studies by the United Nations Office on Drugs and Crime (UNODC) have concluded that restraining violence is a precondition to poverty alleviation and economic development, plainly stating that “a foundational level of order must be established before development objectives can be realized.”10 Leaders of the United Kingdom’s Department for International Development (DFID) have concluded, “Poor people want to feel safe and secure just as much as they need food to eat, clean water to drink and a job to give them an income. Without security there cannot be development.”11 When it comes to violence, researchers are increasingly concerned that development experts are missing Amartya Sen’s insight that “development [is] a process of expanding the real freedoms people enjoy,” and are failing to appreciate the idea “that freedom from crime and violence are key components of development. Freedom from fear is as important as freedom from want. It is impossible to truly enjoy one of these rights without the other.”12
Gary A. Haugen (The Locust Effect: Why the End of Poverty Requires the End of Violence)
Studies show that enthusiastic people get better breaks. They’re promoted more often, have higher incomes, and live happier lives. That’s not a coincidence. The word enthusiasm comes from the Greek word entheos. Theos is a term for “God.” When you’re enthusiastic, you are full of God. When you get up in the morning excited about life, recognizing that each day is a gift, you are motivated to pursue your goals. You will have a favor and blessing that will cause you to succeed. The eight undeniable quality of a winner is that they stay passionate throughout their lives. Too many people have lost their enthusiasm. At one time they were excited about their futures and passionate about their dreams, but along the way they hit some setbacks. They didn’t get the promotions they wanted, maybe a relationship didn’t work out, or they had health issues. Something took the wind out of their sails. They’re just going through the motions of life; getting up, going to work, and coming home. God didn’t breathe His life into us so we would drag through the day. He didn’t create us in His image, crown us with His favor, and equip us with His power so that we would have no enthusiasm. You may have had some setbacks. The wind may have been taken out of your sails, but this is a new day. God is breathing new life into you. If you shake off the blahs and get your passion back, then the winds will start blowing once again--not against you, but for you. When you get in agreement with God, He will cause things to shift in your favor. On January 15, 2009, Capt. Chelsey “Sully” Sullenberger successfully landed a jet airplane in the Hudson River after the plane’s engines were disabled by multiple bird strikes. Despite the dangers of a massive passenger plane landing in icy waters, all 155 passengers and crew members survived. It’s known as the “Miracle on the Hudson.” Just after the successful emergency landing and rescue, a reporter asked a middle-aged male passenger what he thought about surviving that frightening event. Although he was shaken up, cold and wet, the passenger had a glow on his face, and excitement in his voice when he replied: “I was alive before, but now I’m really alive.” After facing a life-and-death situation, the survivor found that his perspective had changed. He recognized each moment as a gift and decided that instead of just living, he would start really living.
Joel Osteen (You Can You Will: 8 Undeniable Qualities of a Winner)
Any feeling of security is only in your head. Anything could happen at any time. As long as you are strictly someone’s employee at one company, you’re a liability on the balance sheet. I say that as a business owner. We cannot trust any government to provide us with what we need, nor is that its responsibility. We cannot trust most employers either. Insulate yourself with multiple incomes either from different companies or by working for yourself in addition to one main source of income. Diversify and protect yourself." - Chris Lutz, Modular Career Design
Chris Lutz
A Clinton or a Bush was president, vice president, or secretary of state in every year between 1981 and 2013, an era in which working-class incomes stagnated, offshoring devastated US and European manufacturing, the world suffered the worst economic collapse since the Great Depression of the 1930s, and the US plunged into multiple disastrous wars in the Middle East and Central Asia. Trump became president by running against a Bush in the Republican primaries and a Clinton in the general election. The desire of many American voters to disrupt the quarter-century cycle of nearly identical versions of technocratic neoliberalism under alternating Bushes and Clintons is quite sufficient to explain the presidential election of 2016. —
Michael Lind (The New Class War: Saving Democracy from the Managerial Elite)
Black Girls… I dare you to take your education seriously! I dare you to stay in school and get your high school diploma. I dare you to go to college and obtain a degree. I dare you to believe in your ideas and become an entrepreneur or start your own business. I dare you to create multiple streams of income for yourself. I dare you to read, learn, and educate yourself. I dare you to save and invest your money wisely. It’s important to invest in YOU. You’re NOT too young to walk into your GREATNESS. I dare you to succeed without apology!
Stephanie Lahart
Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.
Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
Carbon originates in the Universe via a two-step process from nuclei of helium, or alpha particles as we usually call them. Two alpha particles combine under stellar conditions to make a nucleus of the element beryllium. The addition of a further alpha particle is necessary to transform this into a carbon nucleus. One would have expected this two-step process to be extremely improbable, but remarkably the last step happens to possess a rare property called 'resonance' which enables it to proceed at a rate far in excess of our naive expectation. In effect, the energies of the participating particles plus the ambient heat energy in the star add to a value that lies just above a natural energy level of the carbon nucleus and so the product of the nuclear reaction finds a natural state to drop into. It amounts to something akin to the astronomical equivalent of a hole-in-one. But this is not all. While it is doubly striking enough for there to exist not only a carbon resonance level but one positioned just above the incoming energy total within the interior of the star, it is well-nigh miraculous to discover that there exists a further resonance level in the oxygen nucleus that would be made in the next step of the nuclear reaction chain when a carbon nucleus interacts with a further alpha particle. But this resonance level lies just above the total energy of the alpha particle, the carbon nucleus, and the ambient environment of the star. Hence, the precious carbon fails to be totally destroyed by a further resonant nuclear reaction. This multiple coincidence of the resonance levels is a necessary condition for our existence. The carbon atoms in our bodies which are responsible for the marvellous flexibility of the DNA molecules at the heart of our complexity have all originated in the stars as a result of these coincidences. The positioning of the resonance levels are determined in a complicated way by the precise numerical values of the constants of physics.
John D. Barrow (Theories of Everything: The Quest for Ultimate Explanation)
You wouldn't need the second income, just learn to manage your income that you have, without that you go nowhere, even you have multiple income resources in your hand.
Ehsan Sehgal
The sweet spot is a term used by audiophiles and recording engineers to describe the focal point between two sources of sound, where an individual is fully capable of hearing the audio mix the way it was intended to be heard by the musicians. Different static methods exist to broaden the area of the sweet spot. Sound engineers also refer to the sweet spot of any sound-producing body that may be captured with a microphone. Every individual instrument and voice has its own sweet spot, the perfect location to place the microphone or microphones in order to obtain the best sound. In tennis, baseball, or cricket, a given swing will result in a more powerful impact if the ball strikes the racquet or bat on the sweet spot, where a combination of factors results in a maximum response for a given amount of effort. The actual sweet spot on a racquet or bat is a very small area, where dispersing vibrations and spin in multiple directions are canceled out, resulting in a perfect contact point between incoming and outgoing energies.
Darrell Calkins
Why are so many young men staying on in universities earning multiple degrees—and that, too, in liberal arts?’ whispered Chandini to Gangasagar. ‘So that they continue to remain as students on the campus,’ explained Gangasagar. ‘But why do you need them there?’ asked Chandini. ‘So that they can contest the elections,’ explained Gangasagar. ‘Which elections?’ ‘Students’ Union elections.’ ‘Why does the ABNS need to involve itself in Students’ Union activities across the thirty-odd universities of Uttar Pradesh?’ ‘Because if our young men control the Students’ Unions of the universities, we—the ABNS—control the youth, a key constituency in the state’s power balance.’ ‘And then what will they do?’ ‘A liberal arts education is general enough for the IAS—the Indian Administrative Service or the IRS— the Indian Revenue Service.’ ‘So they’ll enter the bureaucracy?’ asked Chandini. ‘Some of them will become trade union leaders, others income-tax commissioners, secretaries within the Reserve Bank of India—there are so many jobs that need us to have our own people!
Ashwin Sanghi (Chanakya's Chant)
Don’t count on payment until you’ve started to establish yourself a bit.
Dorie Clark (Entrepreneurial You: Monetize Your Expertise, Create Multiple Income Streams, and Thrive)
If you sold a business opportunity: * There is an old saying that jobs interfere with the week. * There is an old saying that if you are not the lead sled dog, then the view is always the same. * There is an old saying that two paychecks are better than one. * There is an old saying that if you work hard, then your boss will have a big house for his retirement. * There is an old saying that a job will guarantee that you’ll be broke. * There is an old saying that smart people look for opportunity. * There is an old saying that some people have given up on life, and are just waiting to die. * There is an old saying that rich people have multiple sources of income. * There is an old saying that the reward from graduating from university is 45 years of hard labor.
Tom "Big Al" Schreiter (How To Get Instant Trust, Belief, Influence and Rapport! 13 Ways To Create Open Minds By Talking To The Subconscious Mind)
His own children were not members of the Clemson incoming freshman class, but two of his nieces and a nephew were. On the news, he outlined his problems with the summer-reading committee’s selection. “The book talks in graphic terms about pornography, about fetish, about masturbation, about multiple sex partners . . . The book contains a very extensive list of over-the-top sexual and antireligious references. The explicit message that this sends to students is that they are encouraged to find themselves sexually.
Ann Patchett (This Is the Story of a Happy Marriage)
Wealth comes from multiple incomes. Always think of growth and new businesses to create new income streams.
Ehab Atalla (The Secrets of Business (Change Your Life in One Day, #1))
How To Create Multiple Streams of Income, Get More Clients, Work Less and Live More
Shanique Thompkins (Teach And Grow Your Business: How To Create Multiple Streams of Income, Get More Clients, Work Less and Live More)
About 41 percent of mothers are primary breadwinners and earn the majority of their family’s income. Another 23 percent of mothers are co-breadwinners, contributing at least a quarter of the family’s earnings.30 The number of women supporting families on their own is increasing quickly; between 1973 and 2006, the proportion of families headed by a single mother grew from one in ten to one in five.31 These numbers are dramatically higher in Hispanic and African-American families. Twenty-seven percent of Latino children and 51 percent of African-American children are being raised by a single mother.32 Our country lags considerably behind others in efforts to help parents take care of their children and stay in the workforce. Of all the industrialized nations in the world, the United States is the only one without a paid maternity leave policy.33 As Ellen Bravo, director of the Family Values @ Work consortium, observed, most “women are not thinking about ‘having it all,’ they’re worried about losing it all—their jobs, their children’s health, their families’ financial stability—because of the regular conflicts that arise between being a good employee and a responsible parent.”34 For many men, the fundamental assumption is that they can have both a successful professional life and a fulfilling personal life. For many women, the assumption is that trying to do both is difficult at best and impossible at worst. Women are surrounded by headlines and stories warning them that they cannot be committed to both their families and careers. They are told over and over again that they have to choose, because if they try to do too much, they’ll be harried and unhappy. Framing the issue as “work-life balance”—as if the two were diametrically opposed—practically ensures work will lose out. Who would ever choose work over life? The good news is that not only can women have both families and careers, they can thrive while doing so. In 2009, Sharon Meers and Joanna Strober published Getting to 50/50, a comprehensive review of governmental, social science, and original research that led them to conclude that children, parents, and marriages can all flourish when both parents have full careers. The data plainly reveal that sharing financial and child-care responsibilities leads to less guilty moms, more involved dads, and thriving children.35 Professor Rosalind Chait Barnett of Brandeis University did a comprehensive review of studies on work-life balance and found that women who participate in multiple roles actually have lower levels of anxiety and higher levels of mental well-being.36 Employed women reap rewards including greater financial security, more stable marriages, better health, and, in general, increased life satisfaction.37 It may not be as dramatic or funny to make a movie about a woman who loves both her job and her family, but that would be a better reflection of reality. We need more portrayals of women as competent professionals and happy mothers—or even happy professionals and competent mothers. The current negative images may make us laugh, but they also make women unnecessarily fearful by presenting life’s challenges as insurmountable. Our culture remains baffled: I don’t know how she does it. Fear is at the root of so many of the barriers that women face. Fear of not being liked. Fear of making the wrong choice. Fear of drawing negative attention. Fear of overreaching. Fear of being judged. Fear of failure. And the holy trinity of fear: the fear of being a bad mother/wife/daughter.
Sheryl Sandberg (Lean In: Women, Work, and the Will to Lead)
Just being an entrepreneur, without having multiple sources of income, without first taking care of the risks, is suicide. G)
James Altucher (The Rich Employee)
Don't ever rely on one job, business contact, etc for your main source of income. Receive multiple sources of income for success.
Chris Mentillo
Persons aged 65 years and older comprise only 13 percent of the population, yet account for more than one-third of total outpatient spending on prescription medications in the United States. Older patients are more likely to be prescribed long-term and multiple prescriptions, and some experience cognitive decline, which could lead to improper use of medications. Alternatively, those on a fixed income may abuse another person's remaining medication to save money.
National Institute on Drug Abuse (Prescription Drugs: Abuse and Addiction (Research Report Series))
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.
Bruce Mesnekoff
What are the benefits of a Consolidation Loan? Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages. One Lender and One Monthly Payment With only one lender and one monthly bill, it is easier than ever for borrowers to manage their debt. Borrowers have only one lender, the U.S. Department of Education, for all loans included in a Direct Consolidation Loan. Flexible Repayment Options Borrowers can choose from multiple plans to repay their Direct Consolidation Loan, including an Income Contingent Repayment Plan. These plans are designed to be flexible to meet the different and changing needs of borrowers. With a Direct Consolidation Loan, borrowers can switch repayment plans at anytime. No Minimum or Maximum Loan Amounts There is no minimum amount required to qualify for a Direct Consolidation Loan! Varied Deferment Options Borrowers with Direct Consolidation Loans may qualify for renewed deferment benefits. If borrowers have exhausted the deferment options on their current Federal education loans, a Direct Consolidation Loan may renew many of those deferment options. In addition, borrowers may be eligible for additional deferment options if they have an outstanding balance on a FFEL Program loan made before July 1, 1993, when they obtain their first Direct Loan. Reduced Monthly Payments A Direct Consolidation Loan may ease the strain on a borrower’s budget by lowering the borrower’s overall monthly payment. The minimum monthly payment on a Direct Consolidation Loan may be lower than the combined payments charged on a borrower’s Federal education loans. Retention of Subsidy Benefits There are two (2) possible portions to a Direct Consolidation Loan: Subsidized and Unsubsidized. Borrowers retain their subsidy benefits on loans that are consolidated into the subsidized portion of a Direct Consolidation Loan. Temporary In-School Consolidation Authority During a one (1) year period, borrowers who meet certain requirements may consolidate loans that are in an in-school status into a Direct Consolidation Loan. Direct Consolidation Loans may be made under this temporary provision to borrowers whose consolidation applications are received on or after July 1, 2010 and before July 1, 2011. Borrowers will lose the grace period on a FFEL Subsidized/Unsubsidized Stafford Loan or Direct Subsidized/Unsubsidized Loan by consolidating the loan while it is in an in-school status. Similarly, PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose the six (6) month post-enrollment deferment period. Parent PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose eligibility to defer repayment while the student for whom the loan was obtained is in school. Click here for information on the eligibility requirements for this temporary provision. For more Questions you can contact The Student Loan Help Center.
The Student Loan Help Center
To expend so much of a teacher’s energy on keeping track of "points" related to noninstructional tasks, and to prevent any kind of deep instruction about what is being studied, can lead only to the lowest level of academic development. This is the reason we never see these prepackaged "teacher-proofed" programs in affluent schools, only in schools serving low-income children and children of color.
Lisa Delpit ("Multiplication Is for White People": Raising Expectations for Other People's Children)
Gloria Ladson-Billings says that successful teachers of low-income, culturally diverse children know that their students are "school dependent." What she means is that while children from more privileged backgrounds can manage to perform well in school and on high-stakes tests in spite of poor teachers, children who are not a part of the mainstream are dependent upon schools to teach them whatever they need to know to be successful.
Lisa Delpit ("Multiplication Is for White People": Raising Expectations for Other People's Children)
In West's guide, rule-of-thumb guidance comes in two formats that most valuation experts recognize:  Percentage of annual sales: If a business had total sales of $ 100,000 last year and the multiple for that business was 40 percent of annual sales, the price based on that particular rule of thumb would be $ 40,000.  Multiple of earnings: An earnings multiplier makes the most sense to prospective buyers. It directly addresses the buyer's motive to make money: to achieve a return on investment. In many small companies, this multiple is commonly used against what is known as seller's discretionary earnings (SDE), which are earnings before accounting for the following items: • Income taxes • Nonrecurring income and expenses • Nonoperating income and expenses • Depreciating an amortization • Interest expense or income • Owner's total compensation for one owner/ operator after adjusting the total compensation of all owners to market value
Lisa Holton (Business Valuation For Dummies)
People with SKILLS work for people with IDEAS. Be an idea person.
Jim Cockrum (Silent Sales Machine 9.0: Your Comprehensive Proven Guide to Multiple Streams of Online Income)
First, if you’re so good they can’t ignore you, you can negotiate a premium for your services. And second, an excellent way to boost your income is to generate multiple income streams.
Laura Shin (The Millennial Game Plan: Career And Money Secrets To Succeed In Today's World)
Create capital by budgeting and spending less than five-sixth of the Income Identify multiple profitable avenues for investment and invest the capital Start living a life from the returns that the capital brings in  Protect wealth by deploying the right resources at right place at the right time Invest in yourself, gain specialised knowledge and improve the ability to earn
Khun S. Kumar (Ancient World's Richest Entrepreneur: A magical fable with the success secrets to transform your life)
The Ancient Treatise to Become Rich. ‘Becoming rich needs a simple skill Save one-sixth of the income you earn Turn it into capital through your will For without capital there is no return Ensure that you create multiple sources of Income Live off the returns and your life will reach its prime Destruction of wealth comes with recognisable symptoms Protect it by doing the right things that fits the
Khun S. Kumar (Ancient World's Richest Entrepreneur: A magical fable with the success secrets to transform your life)
When Harlem residents Michael McMichael and Anthony Odom drove down 161st Street in a new-looking Range Rover, police immediately profiled the car as being bought with illegal income. But when Stevie Cohen claimed to be 400 percent more efficient than the entire investing world fifteen years running, talked publicly about his billion-bucks-a-year income, and bought a 6,000-square-foot, Zamboni-treated skating rink for his mansion just a few years after opening his own business, nobody blinked until decades had passed and multiple companies had been destroyed.
Matt Taibbi (The Divide: American Injustice in the Age of the Wealth Gap)
So when others saw poverty, where others saw lack of hygiene, he actually came back with a different picture. He said there are multiple wage earners living in each room, they are not paying taxes and they have huge disposable income. Let’s send our salesmen there.
Benedict Paramanand (CK Prahalad: The Mind of the Futurist - Rare Insights on Life, Leadership & Strategy)
Can you buy more than one residential house and claim an exemption? When the exemption was introduced, it mentioned “a residential house”. It was held by various courts that “a residential house” also means more than one. Thus, if a joint family of a father and two sons living together sells the residential property owned by the father, they were allowed to buy 3 residential properties in the same building to claim the exemption as “a residential house”. However, it was not easy to prove as the taxpayer should have the patience to present his case at every level – Income Tax Officer, Commissioner of Income Tax, Tribunal and sometimes the High court. This has created a lot of controversies as well. The Finance Act (No 2) 2014 amended the provisions to allow exemption for investment in one residential house. Now, the taxpayer cannot invest in multiple residential properties for claiming exemption.
Jigar Patel (NRI Investments and Taxation: A Small Guide for Big Gains)
We must learn to think in terms of an articulated structure that can cope with a multiplicity of small-scale units. If economic thinking cannot grasp this it is useless. If it cannot get beyond its vast abstractions, the national income, the rate of growth, capital/output ratio, input-output analysis, labour mobility, capital accumulation; if it cannot get beyond all this and make contact with the human realities of poverty, frustration, alienation, despair, breakdown, crime, escapism, stress, congestion, ugliness and spiritual death, then let us scrap economics and start afresh.
Ernst F. Schumacher
Just being an entrepreneur, without having multiple sources of income, without first taking care of the risks, is suicide.
James Altucher (The Rich Employee)
The most common of these is the price to earnings ratio, or PE (commonly said "P" to "E," "PE Multiple," or just "Multiple"). To calculate this important ratio, simply find the price per share of a stock and divide it by its earnings per share (which you can find from the bottom line of the income statement or from just about any financial website). This ratio is of limited use on its own, but it can be very useful when compared to: 1. The average multiple the company has traded at in its past 2. The average multiple for stocks in the overall market 3. The average multiple for companies in its industry.
ex (Simple Stock Trading Formulas: The Blueprint To Profitability In The The Stock Market)
Successful teachers of children marginalized either by income-level or ethnicity—or both—have long understood that their charges not only need strong instruction in skills, but they need to know that it is skills, and not intelligence, that they lack.
Lisa Delpit ("Multiplication Is for White People": Raising Expectations for Other People's Children)
What would make the IRS consider you a dealer instead of an investor? • You’ve flipped multiple homes during the year. • Most of your work time is spent on flipping homes. • A large percentage of your income is earned flipping houses. • Your house-flipping business is active. You may have noticed that those factors are vague; that’s not an accident. The IRS hasn’t published specific guidelines, so it’s possible to fight dealer classification (especially if you have an experienced tax accountant). Remember, under the current tax law dealers may get to use the 20 percent deduction, which could result in a lower tax bill.
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
The reason for this pressure on the wages of all but the highest skill Western world workers is not an inability to generate additional income or profit to pay for labor. Rather, there is downward pressure on the price of labor. There are multiple sources for this pressure, but three in particular have been thoroughly documented: Automation, Globalization, and deunionization.
Jean-Michel Paul (The Economics of Discontent: From Failing Elites to The Rise of Populism)