Explaining the Severity of Debt to a Stubborn Client


Article is property of finance.alltheanalysts.com
Originally published on June 29th, 2017.

With the radically changing political climate the United States is now experiencing, the economic spectrum hasn’t gone untouched. Any given year, experts will debate over whether economic changes are good or bad, but all change needs to be weathered wisely. Financial advisors know this all too well.

In light of these changes, it can be easy for some to get swept away in optimism and to forget their heads while living in a potential future that hasn’t happened yet. Yes, taking risks as a business is necessary but these risks shouldn’t be approached without some sort of faith that one can come out on top.

If you have a client who’s acting overly optimistic about the future, stop them before it’s too late and you’re both out of a job. Approach them how they will best receive it and godspeed!

Read the rest right here (sign in with twitter first)!


5 Signs It’s Time For an Office

Property of careermetis.com.
Published on June 26th, 2017.

Are you wondering how to know when you need to move on to a bigger office? Take note, because it might be coming up sooner than you think!

1. You’re Out of Room

Is your entire house stuffed from floor to ceiling by boxes of the products you sell? Are your employees shoulder to shoulder on your couch, or are their desks so close they can see all too well what each other are doing? Does your kitchen have more computers, printers, or other work technology than it does eating utensils?

If your answer to any of these is “yes,” it may be time for a larger place.

A house or apartment can typically only fit so much success before it starts invading too much into the owner’s daily life. I’d say if you or your family are uncomfortable and unable to relax in your home due to work equipment and assets lying around, it may be time to move, though it could make it harder to balance your work and home life when the two are physically separate.

But it could be easier as well, and will change person to person. Consider this: do spouses, roommates, and kids have trouble getting privacy or space? Are you able to relax without physically staring at your work? Adjust accordingly.

Read the rest over here!

Judging an Album By Its Cover

Article is property of Music Think Tank.
Originally published on June 12th, 2017.

“I know you can’t judge a book by its cover, but I’ve found you can judge an album by its cover.”

My friend recently said this to me and while I kind of hate to admit it, I also have found a positive correlation between good music and aesthetically pleasing packaging. If nobody’s heard your music before, the artwork may be the difference between skipping over it or checking it out – especially in the digital age where there’s so much music available for free. Here are some tips I drafted up for creating and choosing the correct album art.

Read about my favorite album covers and how ska bands shouldn’t use comic-themes in their artwork here.

How America Does Payroll Differently

hell yeah mofo
Article is property of Symmetry50.com.
Originally published on June 12th, 2017.

Legal Requirements (and Consequences)

Let’s talk about legal restrictions and requirements for payroll in the United States, so it’s clear what can and can’t legally be done. Things differ state by state, but in general, whichever is stricter – that is, the federal law or the state law – is the one you are required to follow.

Cloudpay wrote a great article about this, but to summarize a few of their main points: unpaid leave is required for those with certain medical positions, there is no federal rule on how companies should pay their employees or how frequently (meaning the responsibility lies on the states), federal income taxes are required and in most states a state income tax is required, and as one’s wage increases, so do taxes – including Social Security and Medicare.

It’s true that payroll must be done with the utmost caution, because lying or mistakes on your taxes can cause incredible legal damage and may potentially ruin a company. The amount of trouble one gets into lies in the results of the “responsible person” test, which weighs the motives behind a tax “mistake” by analyzing the power those submitting information have. You can learn more about payroll accounting by reading this guide.

Read the rest of this article here.

Taking Cues from Britain’s Top Entrepreneurs

Article is property of Businesszone.co.uk.
Originally published on June 12th, 2017.

The business world can be cold and disheartening. Making money as an entrepreneur is no easy task and sometimes it feels like it’d be better or easier to give up. Only you know if that’s the case in your situation, but I would caution against any quick conclusion of defeat. People have come back from worse, and we can learn from their stories, triumphs, failures, and more.

Take (Calculated) Risks

Richard Branson has talked about the necessity of taking risks more than once. My favourite quote by him is ‘Continue to take chances. In the future how “lucky” you are in business will be determined by how willing you are to take calculated risks.’ I am naturally of a much more cautious mindset, but his words have made me second guess myself. Failure is ultimately inevitable, but success is often earned after many failures.

I think there’s something to be said for the word ‘calculated’ in his quote as well. A risk may result in a loss, but it shouldn’t break you. Predicting business trends and navigating your decisions around them is a necessity. Meaning, you should have faith that you can be successful from the risk you take, and you should also be able to bounce back if that doesn’t happen. For instance, despite my cautious nature, I like to play slot machines. Slot machines are always a risk and I’ve made a lot of money from them at times, but also lost a lot at others. But I’ve never bet enough to live on. No loss has ever been unmanageable.

Calculated risks can take you new levels if they go well, but they shouldn’t put you out of the game if they don’t.

You can read the rest of this article here.

How To Not Get Burned Out When You Are a Writer

Article is Property of Contentop.com.
Originally published on June 6th, 2017.

Writing for a living is something I’ve wanted to do ever since I was a Junior in college. Now that I’m actually doing it however, I’ve realized what challenges it brings. For instance, even though I have to do it for a living, writer’s block is still pretty easy to come by. I’m not sure if it’s from a lack of creativity as much as it’s from just getting burned out. My brain gets tired, man! Recently though, I’ve made myself a system to help me keep writing great stuff without exhausting my brain power. This might not work for everyone, but for now it’s what keeps me going.

1. Choose a Topic Out of Your Comfort Zone

I had gotten into the terrible habit of writing about the same thing over and over again. This doesn’t please me as a creative or a writer. I took a topic that I love very much, music and touring, and created it as a fallback for when I needed to write something and thus the articles themselves became sub-par, far below the quality I’m capable of.

Now I’ve started choosing topics that I’m not particularly familiar with, but am interested in. History and politics are two I’m exploring right now, but who knows what I could do in the future! Maybe I’ll write about medicine or television. Even movie reviews! It doesn’t matter, as long as I’m challenging myself and putting myself in writing situations (for websites and blogs that like freelancers) that challenge me.

Read the rest of my tips over at Contentop.com!

The Profit of Discipline: 5 Tips for Not Going Broke

Article is property of MoneyMiniBlog.
Originally published on May 31st, 2017.

Start considering how your spending habits may hurt your credit and affect the amount of debt you have stacked up. Keep looking for a job, keep trying to find your next step. But start minimizing the damage as well. Here’s five tips for not going broke in this time.

1. Count Your Debt

Take into account your income, Then, make a list of all the debts you have, as well as all your monthly bills.

You have important debt that you are working on paying off, but, and you’ll still have additional bills every month.

So make a list:

– What is your debt outstanding?
– What are your bills?
– How much money have typically after paying everything?

Once you make this list, you need to separate your needs from your wants.

Read the rest of my article here.

How To Live Cheap & Still Have Fun In San Francisco

Article is property of Broke-Ass Stuart.
Originally published on May 30th, 2017.

San Francisco is a lot of things, but cheap isn’t one of them. For instance, as of 2015 the rent for a one bedroom apartment was over three times what I paid for a two bedroom duplex around the same time in Boise, ID. Being new to the “real world” – AKA having your first real job, being out on your own – is a different case in San Francisco than anywhere else. Specifically, it’s a more expensive case. A California minimum wage job is nowhere near enough to pay normal rent in San Francisco.

That said, how does one afford to have fun? It seems nearly impossible with all of these factors in play, but I want to throw some ideas out that will make it a little bit easier to be able to have a good time and not be struggling for cash in the expensive yet wonderfully diverse and exciting hub that is San Francisco.

Learn more about how to afford fun in SF by reading my article here.

Staying Positive at Your First Post-College Job

Article is property of Careermetis.com.
Originally published on May 12th, 2017.

1. Take Coworker Complaints with a Grain of Salt

Every company has those employees that view it as their task to complain about business as usual. You’ll know who I’m talking about when I say nothing is ever their fault or happenstance. It always falls on someone in charge or another co-worker.

These people might be really good at their jobs, but they feel burned, and expressing their frustrations constantly makes themselves feel better than everyone.

They most likely have many valid complaints as well. No company is perfect. However, when these complaints come up, question them, and honestly ask if it’s something worth stressing or fighting over. Also, be patient – things may change if you give them time.

Take everything as a grain of salt and if the thing being complained about isn’t a big deal or a problem, subtract it from your brain and continue working as usual.

Read the rest of my article over at CareerMetis.

Stay Positive – Don’t Let the Job Search Get You Down

stay posi
Article is property of Job Search Bible.
Originally published on May 4th, 2017.

You Don’t Have to Do This Alone
So much of success is a result of who you know, and you may just not know the right people yet.

My advice?

Go set yourself up, keep meeting people, keep applying for jobs, and most of all keep your eyes open and your head up. You’re not the first person who’s gone through this and you certainly won’t be the last.

Keep on keeping on. Stay positive.

As well, there’s definitely value to having friends who are working jobs out of college. Networking is crucial to establishing yourself in a career, and your friends are an excellent network resource.

“It’s not who you are, it’s who you know,” as the saying goes.

Not that you can’t succeed on your own, but your chances are way better with the right people surrounding and supporting you. You should ask around – see if a friend can put in a good word for you or at least find out for you if their bosses are hiring.

I landed my job two and a half years ago because of a friend and a college roommate. My friend messaged me one day and told me to send my resume to a hiring e-mail address, and shortly after my former roommate visited his boss’s office and recommended my name out of the resume pile on his desk.

In short, my personal and professional connections landed me my first job, because although I was qualified, so were many others.

After you do find a job (fingers crossed!), you should be open to doing the same for people who the same boat you’re in right now.

In turn from my friends helping me land a job, I’ve tried to pass the word on toother friends because I know what it’s like to be working at Subway with a bachelor’s degree in business. It sucks, and if there’s any way I can help people in the situation I was in, I will.

I hope you do the same.

Read the rest of my advice here.