Wednesday, December 31, 2014

HAPPY NEW YEAR'S!

2015 is going to be a great year for you! Keep moving forward and take whats yours!

Repeat after me! NO MATTER HOW BAD IT IS OUR HOW BAD IT GETS I'M GOING TO MAKE!

Happy 2015!

6 New Year's Resolutions for Professional and Personal Growth

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Tis the season of New Year’s Resolutions. Regardless of whether we skipped or staggered past the 2014 finish line, we all have an opportunity to set new goals for 2015. For me, 2014 was very full, in a good way. Here are my resolutions that may resonate with other professional women in technology.

1. Make a list of 12 people who I want to know better.

These could be people I have met, but never had an opportunity to really talk to in depth. Or they could be bloggers that I follow or teachers from my kids’ school. The goal is to engage with people with whom I might not cross paths unless I make a concerted effort. I’m planning to set up a reminder at the beginning of each month to reach out to one of these people to meet for coffee, or better yet, a walk.  For the people I know, it should be pretty straightforward to reach out.  For those I don’t, I will need to look for intros, which leads me to my next resolution…
 

2. Clean up my LinkedIn profile.

Yes, I know this is the professional equivalent of the ubiquitous “lose 10 pounds” New Year’s resolution, but it’s time. I need to update my photo, add more skills, and share a few additional details about my last few jobs. I might even add some recommendations from several people who know me well. I must admit, it feels uncomfortable to ask others to post a few lines about me, but I know that it is actually helpful for others to view additional perspectives.

3. Watch five TED talks.

Each time I watch a TED talk, I feel inspired. I will start by watching the most popular talks, but I’m looking for suggestions. If you have a favorite, please send it my way @awagonfeld.

4. Plan a weekend with women who work in other industries.

I find that it’s helpful to get away to get some perspective, and professional diversity often helps with perspective. I’m actually thinking about a light-weight agenda for the weekend to ensure we take the time to reflect. I used to be part of a career moms discussion group, and we started each meeting with updates on three fronts: work, family, personal. It was always a good forcing function to have the “personal” in there, because it ensured that we took time to do something for ourselves between meetings. I have found that work, family and personal all tend to bleed into each other (what I call “work life integration”), and each corner of the triangle is strengthened by investing in the other two.
 

5. Increase my Twitter engagement.

I plan to follow 50-100 more people and step up my retweeting, favoriting (is that a word?), etc. I just started actively using twitter in 2014, and I’m still figuring it out. At first I was dubious, but I am finding it increasingly helpful as a source of news, ideas, and inspiration. I want my twitter feed to be a constant stream of new knowledge and insight from across the industry, and inspiration from thought leaders I admire. No one is going to curate this for me, so I need to set time aside to make it happen for myself. This will yield benefits in the future far greater than the initial time invested.

6. Select a new non-profit to help.

I just transitioned off the board of My New Red Shoes, a fantastic Bay Area organization that provides new shoes and clothing gift cards to children in homeless shelters. I left the board after six years, including a year as chair, because I believe all boards need fresh volunteers with new perspectives. But I miss using my business skills to help causes that I care about.  I’m looking forward to engaging with one or two new organizations in 2015.
Now the hard part, how do you keep your resolutions? After all, making the list is the easy part. I’m thinking of reaching out to a few other women who can be my “resolution buddies” -- we can check in with each other a few times during the year.
At Emergence Capital, we set personal goals as part of our operating plan and share them with each other at the beginning of the year, while also reflecting on the previous year’s goals. We also celebrate each other’s goals throughout the firm, often using Cotap, our group messaging application. (My colleague Cathy Minshall set a goal of running her 100th marathon in 2014, and our Cotap feed lit up when she crossed the finish line in July.) I’m committed to my New Year’s Resolutions, and let’s check in next year.

Things To Do When You’re Tired of Being Broke!

f you’re in a place where it’s stopped feeling fun to be broke, then it’s time to move into to extreme self care mode and treat it like the minor crisis it likely is.
broke
Here are some quick thoughts on the way out of that situation (and I welcome your additions to it). This list is far from exhaustive but it’s a good start:
  • extreme self care practices: this is a time to get into physical shape, meditate, journal – whatever helps you feel stronger, more directed, more full – do it. When you’re in a financial crisis, it’s easy to cut your self care out but it’s actually the most important thing to boost. The better you feel about your self the better you can do all of these other steps.
  • start your own  side business, putting extra money in your pocket. It’s easier to start you own turnkey business. If you want to start your own business to where you’re in business for yourself, but not by yourself and the company already has tools and systems that are in place to allow you to start making money right away Click Here
  • clean up your home and office: nothing signals fresh start like clearing out a space. Do a massive purge and clean. You will feel amazing and full of energy after you do it. You will feel energized about handling your money. And, every morning when you wake up and see it, your environment will inspire you to stay on track. Clean it and keep it clean.
  • eliminate what’s draining your energy: this is huge. There are likely certain people, situations and dynamics that are draining your energy and, when you’re in crisis, having your energy drained is not an option. It’s time to say ‘no’ to anything that is sucking your energy. This can be a time where you need to take space from certain friends and family. There are things you are ‘tolerating‘ that take so much more out of you than you can imagine.
  • stop wasting time: do you spend too much time on facebook, surfing the net, watching TV? Consider going on a fast from those things or giving yourself a hard limit of 30-60 minutes a day.
  • ask for any money that is owed to you: do you have friends or clients who owe you money? This is a good time to follow up on that.
  • get a part time job: for some reason, this feels like failure to a lot of people. But it’s not. Sometimes you just need to get a job to tide yourself over. And sometimes people realize that being an entrepreneur isn’t for them. Which is a huge relief. I’ve seen a number of clients let go of their ideas about being self employed, go back to a job and watched them experience an immediate increase in happiness, financial stability and overall well being. Getting a job when you need it isn’t failure, it’s self care. And sometimes it’s just a matter of timing and you need to get a job and slowly build your business on the side until it’s at a point you can invest more.
  • get out of any commitments you can to free up time: this is also huge. Are you on a board or committee that isn’t 100% filling you up? Are you volunteering somewhere? Look at where you’re spending your time and eliminate anything you possibly can that isn’t a 100% ‘yes’ to you.
  • set a goal and create a plan to make money (and start with the low hanging fruit): sit down with a pen and paper and give yourself an hour or two to really get clear on what your goal is around money and how you can best achieve it. Is it to get a job? Do a major promotion of some product or service? If you fail to plan, you plan to fail.
  • set aside chunks of each day where all you focus on is making money and growing your business: it’s easy to make a plan and then not do the plan. Set aside time (one hour a day, four hours a day or one day a week) where all you’re focused on is making your plan happening. Allow zero distractions during that time – cell phone off. Social media off. Lock the door. Focus. Most people are blown away with how productive they are when they do this.
  • get support: this is so huge. Maybe you need to hire a coach. Maybe you need to get a friend of colleague who you can chat with once a week to stay accountable. Maybe you need to get some kind of to do list manager. Maybe you need to read a marketing book. Maybe you need to trade with a friend for web design. Whatever support you need, it’s time to get honest with yourself about that and get it. And you might want to consider therapy around money too. If this has been a lifelong struggle, there’s a good chance there are some deeper issues worth facing. Dealing with money issues might just be the most powerful personal development work you ever do.
  • brainstorm on how to cut expenses: can you move to a cheaper place? eat in more? ride your bike vs. driving your car? Where can you trim expenses in your life? Most people would be shocked at how much they can save with a little thought and creativity.
  • focus: Pick a niche and focus on it. When you’re in a crunch is not the time to try and ‘reach everyone’. You absolutely need to focus on something in particular that you’re offering to a particular crowd of people. And it’s a good idea to focus on just a few marketing approaches and really work them. Maybe all you do is public speaking. Maybe it’s all virtual presentations and webinars. Maybe it’s networking events or hosting events. Whatever it is, I wouldn’t have more than three marketing tactics you’re using. When you’re in a crisis, you need to focus.
  • create a higher end product: My colleague George Huang created a six figure income in 72 days using five simple steps to fill up his high end coaching program. You can read about them here.
  • connect with hubs: And how do you promote and get clients for your programs and products? You need a way to not only identify but then keep track of potential partners and hubs you come across. Unless you want to be stuck at the ‘cold’ level of marketing you must start thinking about your hubs. And then I recommend connecting with one hub a day getting to know them, what they do, how you can help them and how they might be able to help you. Just ask them out for coffee or to skype to chat and ask their advice on how you should grow your business.

Tuesday, December 30, 2014

Looking To Earn Some Extra Money?

Tire of being broke living check to check? Looking for something that works and already has tools, training and systems in place to maximize earning potential!

Click here to find out how!



Monday, December 29, 2014

Looking for Change?

This is a great read by Dr. Wayne W. Dyer

When you’re ready to make a change in your life, to break a lifelong pattern that is holding you back, one necessary ingredient you’ll need is a solid, rational reason for that change. Your desire to break any ingrained habit needs to be paired with a solid reasoning process that registers with you and helps counteract the hidden benefits of staying stuck. Ask yourself: Can I create a rational reason to change?
Here are four criteria for building a rationale that will help you turn your life around:

Criterion #1: It Must Make Sense
Changing old habits cannot and will not happen if it doesn’t strike you as a sensible thing to do. It doesn’t really matter that everyone you know tells you how important it is to change—if it doesn’t make sense to you, then you’ll retreat to your old ways. If the answer to Do I really want to bring about this change? is yes, then that’s all you need in order to proceed and succeed. But if you have any doubts whatsoever, you’ll revert back to your long-held habits.
For example, when I was in my 30s, I made the decision that I was no longer going to continue the unhealthy habits that had dominated my life up until that point. I could see myself gaining weight around the middle, eating and drinking things that weren’t good for me, and generally not paying the proper attention to the well-being of this temple that temporarily houses my soul.
One day in 1976, I began a regimen that included exercise, drinking lots of water, taking supplements, and improving my diet. Although no one around me fully understood my drive to stay in shape, it made sense to me. Whenever anyone has told me over the years that they just don’t understand why I’m so “compulsive” about my health habits, I always think: If I didn’t have a healthy body, I wouldn’t have anywhere to live. Because my lifestyle makes sense to me, I’m immune to others’ questioning, and I’m never tempted to reverse my decision to live as healthful an existence as I possibly can.

Criterion #2: It Must Be Doable
Within you is a private space where “no visitors are allowed.” This is where you meet yourself in total honesty, where you know what you’re willing to dream, desire, and ultimately do. It’s also where you find your answer to this question: Am I willing and able to do what it takes to overcome these long-held habits of thought and action?
If the answer is that you just can’t make a change—you know yourself well enough to predict that you won’t do the work that’s necessary to accomplish it—then you’re wise to heed that response. Forget about changing those old habits, at least for now. However, if you don’t know how you’ll do it but you still feel that it’s doable, then proceed. You’ll find the answers coming to you because of your willingness to view these changes as a real possibility.

Criterion #3: It Must Allow You to Feel Good
Your left brain deals with the details of your life—this is where you analyze, compute, figure, and get all of your ducks in a row—and the first two criteria detailed above speak right to it. When you ask yourself the question Can I create a rational reason to change? your intellect responds: Yes, indeed, that does make sense, and I really believe that I can do this thing and bring about the desired changes.
Your right brain, on the other hand, deals with things like your emotions, your intuition, your enthusiasm, your awareness, and even your consciousness. So let’s examine the creation of a rational reason to change from the right brain’s point of view and discover how this change feels.
When I did this exercise in connection with the possibility of having my own daily TV program, I didn’t feel good at all. I felt tense, rushed, tight in my stomach, and nervous about all of the time I’d have to devote to the show. I actually began to feel sick, and that was enough for me. My emotions, which show up in my body as a result of my thoughts, were giving me the answer. Contrast this with what happened when I visualized how I’d feel after taking up the movie/acting challenge: I felt dizzy with excitement about learning a completely new craft—not to mention strong, content, and proud. My emotions actually empowered me.
If you want to shed old habits and excuses, take some time to visit that private place within you. Close your eyes and visualize yourself as being completely free of these limitations . . . how does your body react? If you feel good, that’s all the evidence you need to prove to yourself that you have a rational reason to change.

Criterion #4: It Must Be Aligned with the Callings of Your Soul
How do you determine that you’re aligned with your soul’s purpose? You know by the way the rational reason speaks directly to you in that personal place within. The thoughts and feelings that surface tend to go like this: This is truly who I am. By making these changes and eradicating these habits, I will be living my life on purpose, fulfilling a destiny I came here to accomplish.

50 Side Businesses You Can Start On Your Own

By Trent Hamm Last updated August 20, 2014
In the past, I’ve discussed how it’s a good idea to spend your spare time dabbling in entrepreneurship: it fills your time with something that you choose (and thus you enjoy) and sets up a potential long-term revenue stream. I also discussed how I got a side business going myself.
Since then, lots of readers have written to me, asking for ideas on how to start a simple side business. What follows is a list of 50 of those ideas that I’ve collected over the last year or so.
Each of these ideas is very simple to start, and most can be done as a sole proprietorship at first (meaning you don’t have to file any legal documents to get started, though you will want to do that if it starts to take off). Most of these can be done at home in your spare time in your spare space, too.
 
See if there are any ideas below that fit you well. If you find an idea, seek out a guide on how to get started in that area.

50 Business Ideas

1. Antique refurbishment

This is a perfect side business for people who love antiquing. Take worn-out antiques home with you, invest the time and care needed to transform those old items into something amazing, then resell them at a profit.

2. Auto detailing

Have a meticulous eye for detail and love to get things gleaming clean? Auto detailing is probably a perfect side business for you. In essence, your job is to make cars sparkle inside and out – and many people are quite happy to pay well for this service.

3. Babysitting

Got lots of evenings free? Like kids? Babysitting may be a great side business for you. Keep an eye on multiple children on Friday and Saturday nights and you can earn some solid income.

4. Bed and breakfast

Have some extra space in your home? Turn that extra bedroom into a “bed and breakfast” room. This works particularly well if you have a somewhat older home or live near an area that attracts regular travelers and tourists.

5. Blogging

If you enjoy writing, find a topic you’re passionate about and start a blog on the topic. All you need is a computer, some time, and some energy to consistently write. It can start as a hobby and turn into a business.

6. Cake decorating

Enjoy baking and have a bit of an artistic touch? Learn how to decorate cakes and make them for special events. One of my mother’s old friends does this and makes quite a bit of money on the side.

7. Candle making

Candle making is a great little craft to learn. You can often easily sell the candles at local shops and also through websites like Etsy.com, eBay and more.

8. Candy making

Homemade candies are easier to make than you think and quite popular. Package them in nice little boxes and sell them through a local gift shop. You can get started pretty quickly.

9. Card making

This is another artistic “crafty” angle you can follow. Make greeting/birthday cards from scratch using your own photographs, some blank cards, and a healthy dose of artistic flair. Again, you can sell items like these through a local gift shop or at sites like etsy.com.

10. Catering

If you love to cook, take the “Blondie” route and start a home catering business. Catering is a business that’s perfectly designed to reward those who plan well and can often fit perfectly into weekends, lining up wonderfully opposite a normal workweek.

11. Childcare service

Many states allow people to start up in-home daycares with minimal licensing and paperwork. If you love children and have plenty of time and space at home, this is a perfect business to get into.

Motivational Monday!


Sunday, December 28, 2014

Stop Being Miserable at Work!

Are you miserable at work? Do you never feel good about getting up and heading to work on Monday? Do you feel unchallenged, unhappy, or not in control? Is your boss the worst? Do your coworkers engage in unjustifiable complaining all day long? Ready for a change? Perhaps it's time to try something different. How would you feel about joining a company that has training, coaching, tools and systems put together that will show you how to make money on your own time which is fantastic!  To get more information CLICK HERE


Saturday, December 27, 2014

25 Unusual Ways To Make Quick Money?

I found this interesting articular on 25 Unusual Ways To Make Quick Money and thought I would share it. Click here to view the articleor you can join a company that has training, coaching, tools and systems put together that will show you how to make money on your own time which is fantastic!  To get more information CLICK HERE


Tired of being Broke!

 Looking to earn some extra money? Tire of being broke living check to check? Looking for something that works and already has tools, training and systems in place to maximize earning potential!

Click here to find out how! 


Friday, December 26, 2014

Learn How To Start Making Money Today!

Ways to make money Part-Time!

Ways to make money! You can get a second job, mow lawns, Deliver newspapers, walk dogs or you can start your own business part time. You can join a Multi-level Marketing company that has training, coaching, tools and systems put in place that will show you how to make money on your own time which is fantastic! Click Here To Learn More!



Wednesday, December 24, 2014

Ways To Make Money Part-Time!

Looking for ways to make money part time?  You can get a second job, mow lawns, Deliver newspapers, walk dogs or you can start your own business part time.  You can join a Multi-level Marketing company that has trainings, coaching, tools and systems put together that will show you how to make money on your own time which is fantastic! For more information CLICK HERE

Tuesday, December 23, 2014

Goal setting involves establishing specific, measurable, achievable, realistic and time-targeted (S.M.A.R.Tgoals. Work on the theory of goal-setting suggests that an effective tool for making progress is to ensure that participants in a group with a common goal are clearly aware of what is expected from them.[citation needed] On a personal level, setting goals helps people work towards their own objectives. Goal setting features as a major component of personal development literature. The word goal is also one of the most recognizable words in management for motivational endeavors.
It is considered an “open” theory, so as new discoveries are made it is modified. Studies have shown that specific and ambitious goals lead to a higher level of performance than easy or general goals. As long as the individual accepts the goal, has the ability to attain it, and does not have conflicting goals, there is a positive linear relationship between goal difficulty and task performance.[1]
Goals are a form of motivation that sets the standard for self-satisfaction with performance.[1] Achieving the goal one has set for oneself is a measure of success, and being able to meet job challenges is a way one measures success in the workplace.

Monday, December 22, 2014

Sunday, December 21, 2014

Find out how!

35 Ways To Make Money That Actually Work!

I can remember my teenage days well. I didn’t want to work, but I needed to make money to support my social life. So I umpired, cut grass, and bagged groceries.
I didn’t particularly love any of the jobs, but in order to offset my spending, I needed to work.
The good news for us today is there are a wide range of ways to make money- that weren’t around when I was a teenager.
Most of them require a good work ethic, but there are a lot of new opportunities available.
Luckily for many of us, we may already be very skilled in certain areas that could easily translate into a nice side income for us. For example, I remember hearing about a teenage girl who designed Myspace backgrounds and was making more money than her parents.


So potentially, a teenager who is willing to work hard could make considerably more than working traditional “jobs” like at McDonalds, cutting grass, bussing tables, etc. For even more, check out these 5 legit work-from-home job opportunities.

2015 IS ALMOST HERE! WHAT NEW GOALS ARE YOU REALLY READY TO COMMIT TO?




2015 IS ALMOST HERE! WHAT NEW GOALS ARE YOU REALLY READY TO COMMIT TO?

Friday, December 19, 2014


Workplace Stress

Chart describing the souces of stress in AmericaNumerous studies show that job stress is far and away the major source of stress for American adults and that it has escalated progressively over the past few decades.  Increased levels of job stress as assessed by the perception of having little control but lots of demands have been demonstrated to be associated with increased rates of heart attack, hypertension and other disorders.  In New York, Los Angels and other municipalities, the relationship between job stress and heart attacks is so well acknowledged, that any police officer who suffers a coronary event on or off the job is assumed to have a work related injury and is compensated accordingly (including heart attack sustained while fishing on vacation or gambling in Las Vegas).
Although the Institute is often asked to construct lists of the “most” and “least” stressful occupations, such rankings have little importance for several reasons. It is not the job but the person-environment fit that matters. Some individuals thrive in the time urgent pressure cooker of life in the fast lane, having to perform several duties at the same time and a list of things to do that would overwhelm most of us — provided they perceive that they are in control. They would be severely stressed by dull, dead end assembly line work enjoyed by others who shun responsibility and simply want to perform a task that is well within their capabilities. The stresses that a policeman or high school teacher working in an inner city ghetto are subjected to are quite different than those experienced by their counterparts in rural Iowa. It is necessary to keep this in mind when sweeping statements are made about the degree of stress in teachers, police personnel, physicians and other occupations. Stress levels can vary widely even in identical situations for different reasons.
Stress is a highly personalized phenomenon and can vary widely even in identical situations for different reasons. One survey showed that having to complete paper work was more stressful for many police officers than the dangers associated with pursuing criminals. The severity of job stress depends on the magnitude of the demands that are being made and the individual’s sense of control or decision-making latitude he or she has in dealing with them. Scientific studies based on this model confirm that workers who perceive they are subjected to high demands but have little control are at increased risk for cardiovascular disease.

Success and Failure

Thursday, December 18, 2014

Have a good night everyone!

Tomorrow is going to be a good day! Keep in mind, you'll only feel as good as you decide to feel when you wake up!

Ready for a change! Tired of living check to check!

Goal Setting! Without Goals we will accomplish nothing! What are your dream? Do you want more out of life but don’t know how to get it!


America’s Sinking Middle Class

In some respects, 1988 has the feel of an alien, distant era. There was no such thing as the World Wide Web then. The Soviet Union was still around; the Berlin Wall still standing. Americans elected a Republican president who would raise taxes to help tame the budget deficit.
Multimedia

Economic Scene

Eduardo Porter writes the Economic Scene column for the Wednesday Business section.
On Tuesday, however, the Census Bureau reminded me how for most Americans 1988 still looks a lot like yesterday: last year, the typical household made $51,017, roughly the same as the typical household made a quarter of a century ago.
The statistic is staggering — hardly what one would expect from one of the richest and most technologically advanced nations on the planet.
I have written several times before about how measures of social and economic well-being in the United States have slipped compared to other advanced countries. But it is even more poignant to recognize that, in many ways, America has been standing still for a full generation.
It made me wonder what happened to progress.
Consider: 36 years ago this month, when NASA launched the Voyager 1 probe into space, 11.6 percent of Americans were officially considered poor. The other day Voyager sailed clear out of the solar system into interstellar space — the first man-made object to do so — recording its environment on an 8-track deck.
Using the same official metric — which actually undercounts the poor compared to new methods used by the Census today — the poverty rate is 15 percent.
To be sure, we have made progress over the last 25 years. The nation’s gross domestic product per person has increased 40 percent since 1988. We’ve gained four years’ worth of life expectancy at birth. The infant mortality rate has plummeted by 50 percent. More women and more men are entering and graduating from college.
We also have access to far more sophisticated consumer goods, from the iPhone to cars packed with digital devices. And the cost of many basic staples, notably food, has fallen significantly.
Carl Shapiro, an economist at the University of California, Berkeley and an expert on technology and innovation who stepped down from President Obama’s Council on Economic Advisors last year, calls the progress in information technology and biotechnology over the last 25 years “breathtaking.”
“Most Americans partake in the benefits offered by these new technologies, from smartphones to better dental care,” Professor Shapiro said. Still, he acknowledged, “somehow this impressive progress has not translated into greater economic security for the American middle class.”
In key respects, in fact, the standard of living of most Americans has fallen decidedly behind. Just take the cost of medical services. Health care spending per person, adjusted for inflation, has roughly doubled since 1988, to about $8,500 — pushing up health insurance premiums and eating into workers’ wages.
The cost of going to college has been rising faster than inflation as well. About two-thirds of people with bachelor’s degrees relied on loans to get through college, up from 45 percent two decades ago. Average student debt in 2011 was $23,300.
In contrast to people in other developed nations, who have devoted more time to leisure as they have gotten richer, Americans work about as much as they did a quarter-century ago. Despite all this toil, the net worth of the typical American family in the middle of the income distribution fell to $66,000 in 2010 — 6 percent less than in 1989 after inflation.
Though the bursting of the housing bubble and ensuing great recession takes a big share of the blame for families’ weakening finances, it is nonetheless startling that a single financial event — only a hiccup on the road to prosperity of Americans on the top of the pile — could erase a generation worth of progress for those in the middle.
Though the statistics may be startling, the story they tell is, unfortunately, not surprising. It is the story of America’s new normal. In the new normal the share of the nation’s income channeled to corporate profits is higher than at any time since the 1920s, while workers’ share languishes at its lowest since 1965.
In the new normal, the real wages of workers on the factory floor are lower than they were in the early ’70s. And the richest 10 percent of Americans get over half of the income America produces.
“Almost all of the benefits of growth since the trough of the Great Recession have been going to those in the upper classes,” said Timothy Smeeding, who heads the Institute for Research on Poverty at the University of Madison-Wisconsin. “Middle- and lower-income families are getting a smaller slice of a smaller economic pie as labor markets have changed drastically during our recovery.”
This story is about three decades old.
In 2010, the Department of Commerce published a study about what it would take for different types of families to achieve the aspirations of the middle class — which it defined as a house, a car or two in the garage, a vacation now and then, decent health care and enough savings to retire and contribute to the children’s college education.
It concluded that the middle class has become a much more exclusive club. Even two-earner families making almost $81,000 in 2008 — substantially more than the family median of about $60,000 reported by the Census — would have a much tougher time acquiring the attributes of the middle class than in 1990.
The incomes of these types of families actually rose by a fifth between 1990 and 2008, according to the report. They were more educated and worked more hours, on average, and had children at a later age. Still, that was no match for the 56 percent jump in the cost of housing, the 155 percent leap in out-of-pocket spending on health care and the double-digit increase in the cost of college.
So either we define the middle class down a couple of notches or we acknowledge that the middle class isn’t in the middle anymore.

Never Give Up!

Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.

Wednesday, December 17, 2014

Tired of you job!

Good morning

Good morning everyone! Today is going to be a good day!