The morning of the darkest night,

you sit and look at me so hopeless.

The thoughts of this chapter,

still haunts me every day.

 

The cold eyes you stare,

why must I be this way.

Why must we live this way,

why must we accept.

 

The mistakes that led me here,

so desperate and alone.

Remind the ones that use to love me,

let them believe there was some good in me.

 

Im going to leave this pedant here,

just in case you cared to find it.

The disappointment I brought to you,

the life you could have had.

 

So this is it,

the chapter that we have started.

The chapter that led me to this road,

that I must answer for when im gone.

 

Working for a company that hires and fires almost instantly, I have realized how valuable certain positions are. The Job chain (Food chain) which goes from management all the way down to the telemarketers that try to drive business is what I am referring to when I consider the valuableness of your present employment.

What to consider when you have a position?

Consider this for a second, recently our company posted a position for a Office Administrator/receptionist and got over 75 resumes for the position. This is California by the way if anyone is not familiar with this blog. Consider this, 75 resume requests for a 12 dollars and hour position is absolutely ridiculous considering that the gas alone reduces it down to 10$ a hour. And to consider the unfortunate taxation we are faced. At the end of the day, you make a measly 9$ a hour roughly and you get the unsecure feeling every time you leave your job.

Why do you get the unsecure feeling?

Well with 75 resumes coming in from just 1 inquire, consider how easily replaceable you are to the firm. An employee is only valuable to the level of work that he/she is doing. Considering that pretty much anyone with half a brain can pick up the phone and transfer the line. Other job responsibilities? Smiling from time to time at guests that enter the office. Since construction companies do not get many walk in’s from customers, only hardworking contractors, its easy to simply put a smile and avoid the confrontation.

Some Advice

Business degrees are not worth anything. After a four years of studying business and figuring out what its all about, you discover its all a scam. There is no value in the degree. With a business degree, you get to write professional emails, and respond accordingly to customers. What kind of value is that? You can train a handicap chimp to do the same thing. There is no value in a broad based degree. Find a niche and strive to stand out and show the value of yourself. The only reason why I am able to blog and work at the same time is because of the value I bring to my firm. Create value or shiver in your seat for the day they find a younger, smarter, chimp.

Last week I read this article about communication and how lack of communication causes major issues in relationships. I must completely and utterly agree with this statement. If my (friend, partner, wife, girlfriend) does not know how I feel, what I need, and what I want my life to look like in the next three to five years. It’s really amazing how many couples go weeks before they have a moment to discuss these three questions.

What kind of motion does this question really bring to the table? Consider this for a second. If my partner does not know how I feel today, then my irritated state of mind might offend her and she will have no idea why I snapped. Furthermore, if I don’t know what my partner is thinking about, I cannot help her through her hard times. There are specific’s about these questions that requires attention from both couples. The second question in particular. What you need as a person should be expressed so your partner and you are on the same page. The problem arises and deepens when your partner does not know what you are expecting of her. Same applies for women that expect certain stuff out of their man. Expectation brings responsibilities and what I have seen so far in life, most people are not responsible. That were we get fights, breakups, and approximately 55% divorce rate in the United States. The lack of communication causes issues in the relation and creates problems. The last question  focuses on your higher motives in life. Where you want your life to be simply address your goals and dreams. For example, if your wife has a goal of opening up a small flower shop in the next five years, and you know this. This will help you both to stay motivated with the financing, show how much you care, and can allow you to discover how well you work together. A couple that work well together can go beyond the petty daily discussions and become something more.

Communication is the key to success I read once. We as people should do a better job communicating our thoughts, feelings, and ideas. It’s how others know what we want, and prove to us how they can be the people we need them to be.

Have you ever wondered why we have hair to begin with? I understand that women would look pretty funny without hair on their head, but for men seems to be a norm. To understand this epidemic , you must go back to the olden days where people like our founding fathers wore wigs to cover up their loss of hair. I mean consider this, were we even meant to keep all our hair or was it simply given to us on temporary bases?

Since we are not promised anything at birth, (unless you are born into rich family) we should not really expect to have our hair passed a certain age. It is amazing how many people view age and life and deteriation in a negative manor. How can you expect something, without having a contractor in writing and someone to uphold the contract? Hair is simply one of those things that can come and go during your lifetime. I use to envy anyone with good hair that can style it in any way they choose. I simply lost a good chunk of my hair, and unable to use the amount that’s still available. I use to worry and care, and then I simply realized that I look awesome bald. As for events and special occasions, it’s a less threatening way to approach everyone if you have some hair, but other than that its reasonable.

My understanding about hair is, the more you go through in life the less likely you will have much hair on your head. It’s strange that the people that have a full head of hair seem to live the good life. I know many people that are relaxed and simply don’t care about much in life. They are rocking the new hair dues every month and looking super fresh. On the other side, the people that seem to stress about different aspect of life are struggling with hair. The correlation seems to be present. I learned to accept it, and I recommend everyone else to accept it. It’s not the end of the world if you do not look like the next GQ model. Its really fine, because everyone is unique in their own way.

Some of you would wonder what Alexander Hamilton has to do with our financial system. It’s amazing how many people do not know that Alexander Hamilton first, was on a piece of valuable currency, and the fact that he was not a president?

To be completely honest, I did not know this fact either. But what stands out is what can a 10$ bill truly do for you in the long run. I been trying to develop a system to help struggling families get themselves out of debt and ensure a steady stream of cash is available at the end of the month. 1 out of 2 people are simply unaware of how they spend their paycheck every month. That is a significant amount if you consider the debt that most people are in. Why do people fail to notice their financial situation until things get to the brink of bankruptcy?

My background in financing came from formal education, but have been developing and implementing financial strategies to help business and individuals get out of debt and into a positive cash flow. I am the person that eliminates the unnecessary and create new sources of income through varies programs.

Let’s get back to topic with Mr. Alexander Hamilton. His face on the 10$ bill should be embraced and shared amongst all who value economic prosperity. Here is what I suggest. Assuming you have a good size check coming in every month, setup a plan with your bank. Create an automated balance transfer of 10$ a day to your savings account. For a reasonable size check, 10$ a day should not be a big deal. Consider dinning home for the day and saving that 10$. If you have a sweetheart, consider you are saving 20$ a day if you choose to eat home for only one meal. The money you save is approximately 300$ a month. End of the year, we have 3,600$ to work with. That’s a hefty amount of change considering what 3600$ can do for you today. Most people would use that amount on a good vacation for two somewhere tropical. However, my suggestion would be to invest with a good agency that knows how the stock market works. Investment companies are great resources to use when you have a good amount to work with. Last year, I turned 2000$ dollar investment from a friend, and make him a solid return of 1500$. That is whopping 75% Return on investment and I took a reasonable cut out of it. But imagine that. With banks offering CD’s at 0.05% annually, 75% is amazing return for having someone else run your money.

So consider the benefits of Mr. Alexander Hamilton. Ten dollars a day can give you and your loved ones first class tickets for 5 days to carnival cruise approximately 3 times a year. How amazing is that. Or if you have huge debt, you can use parts of this to clear it out. Student loans, personal loans, or home improvement loans can be an issue if you don’t have funds. Here, would be a good fund to use to help reduce your loan and reduce the stress that comes with it.

Have you ever been in a situation where someone said something to you, and instead of responding, you stayed quiet and smiled? I use to be one of those people that would smile and nod my head when someone said something intimidating to me and I had no response. It’s crazy how this world works. I am going to share my experience and you can either accept it or not, but let’s see if we can get a good discussion out of it.

As a young adult, I was considered soft spoken and noble. I would not dare respond to anyone especially a possible threat to me. I would simply accept the fault, either mine or the complainant and accept it and move on. However, as I grew up, I realized that more and more problems occur to me when I respond to them in this matter. So after a few life lessons, I decided to respond and demand things that are within my rights. Life seems to be more in tune with the way I operate when I respond to them accordingly. I realized that people cannot guess how I feel and what I want if I don’t ask for it.

What I suggest for everyone.

Since people cannot read minds and most people do not have emotional knowledge (people that can look for signs of how a person is doing emotionally and anticipate what they mind need) then what’s left is to simply speak up. If you are feeling annoyed about a specific thing at work, speak up. Simply call a meeting with your immediate supervisor and express your concerns. The more you let others know how you feel, the smoother your life will be. The less anger will build and less stress you would deal with. It does not matter the type of person you are. The less people speak, the more others take advantage of.

What I have noticed…

There was a time where two brothers lived together in a family of four. One of the brothers was demanding, even as a child. He would want everything when he went shopping with his mother and refuse to understand financial situations and how things work. The other brother was softer spoken. Thought four times before he asked for anything and refused to be a bother to anyone. Guess who had a more happy childhood. The demanding child got whatever he wanted and was happier than the other one. What they say is very true. Ignorance is really bliss. He never understood or simply didn’t care.

Refuse to understand and take what you need. We are all still animals with a mask we choose to wear. Some refuse to wear it and show their animal side. Others choose to hold higher values and standards. The one that uses the animal side and demands their rights wins in the end.

What would you say the point of a public school education? What type of education is needed for our society to be competitive with our European and Asian brothers and sisters, and yet go beyond the basics? It’s strange that we have the level of education for 1st through 12th in this country.

Let me start off by explaining 1st to 6th grade for you. We did absolutely nothing. We drew and colored and created maps for history class. We did basic plus/minus and slowly got into multiplication and division. The education was so basic that I was getting straight A’s on all my classes and was not even giving it my best. What does this mean when an 11 year old boy can skate passed school easily with no problem? What my point is that we need a more challenging schools for children that are worthy of something more. I understand we have kids that have problems paying attention and passing the basics. I understand that most tests are dumb down for children that have disabilities and other problems that prohibit them from achieve all that they are intended to be. However, I needed more and was not given the opportunity to achieve all that I was intended to be. I am just one example of a kid that wanted to do more.

There is hope if our school system cares to make any changes to their system. We are a society of never ending development and advance restructuring.  My first plan would be implementing Google chromo operating system in every classroom. Its amazing how such a small operating system can provide such benefits, at limited to no cost. The operating system comes with a warranty plan of 35$ for each laptop and that includes any replacement of parts, labor, and software issues that might arise. Every kid must have basic computer training to survive in today’s society. Everything works off the internet and the internet itself is a great resource to expand your knowledge and gain the upper hand. Here in the United States, we have advance networking capabilities that can allow each student to learn from .EDU sites across the internet. Furthermore, Kids should be in classrooms that are somewhat in the same level not age. Age has nothing to do with the level of education you are ready and prepared for. If a 2nd grader has enough knowledge and is willing and able to handle 6th grader education, then he or she should be placed in the same grade. Finally, we need teachers that are excited to be there and ready to teach. Inspiration starts from the teachers, and without them our children are lost. If a teacher Is worried about paying for his or her bills, then that will reflect on how he teaches the class. However, if the teachers are always busy with innovative seminars and programs to keep their education flowing, the motivation will trickle down to the students.

It’s just an observation. I remember my teacher in college complaining about parking, traffic, and the fact that the school had forgotten to pay him. He was upset and instead of teaching he was venting. I had to pay for the class and hear him vent for half the semester.

Lack of Education =  no innovation =  no business = no jobs =  no money