3 Tips to Start the New Year with Your Wealth Building on Track

It’s that time of year when resolutions are made. If you are one of the many who have a resolution that involves your finances, you’ll want to read this article. Studies show that less than 50% of resolutions are kept so it’s vital to get started on the right track.

It’s that time of year when resolutions are made. If you are one of the many who have a resolution that involves your finances,Guest Posting you’ll want to read this article. Studies show that less than 50% of resolutions are kept so it’s vital to get started on the right track.

3 Tips to Start the New Year with Your Wealth Building on Track:

#1 – Keep Your Goals Realistic. Starting with an unrealistic goal is a sure way to guarantee failure. An unrealistic goal will drain you of all your motivation and will have you back to your old habits in no time. Do you know what a realistic target is for building your wealth over the next year? The next 2 years? 5 years?

One way to measure how realistic your wealth goals are is to break them into long-term goals and short-term goals. Have short-term goals that are measurable in 30 days. This will help you adjust on a timely basis if your wealth goals are too lofty. This simple technique will help you keep your wealth building on track throughout the year.

#2 – Make Wealth Building a Habit. Make building your wealth a habit. Everyday should include doing something that helps you build your wealth. This doesn’t mean setting aside hours each day, it can be something that takes you only a few minutes but moves you toward building your wealth. Breakdown your short-term goals into a daily task list and use this list to be able to do something everyday to move you toward achieving your wealth goals.

Monthly wealth coaching can help you make your wealth building a habit. With weekly email assignments and a live monthly coaching teleconference, you will make your wealth building a part of your daily routine in no time.

#3 – Hire a Wealth Coach. If you have ever played a sport, you understand the role of a coach. The coach is there to coordinate all the team members and help you become a better player. A wealth coach does the same for your wealth. A wealth coach helps you find and coordinate all the members you need on your team based on your goals. A wealth coach will help you come up with the plays you need to execute to achieve your wealth goals. Most of all, a wealth coach will help you get started! Most people are ready to build their wealth but just don’t know how to start.

Imagine the impact a wealth coach could have on your wealth building.

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Socialism: A Broader Explanation

IntroductionThe term “Socialism,” as well as “Communism,” has come to allow the meaning of a broad amount of societies and governments. Loosely, Socialism means government (or public) control of the economy and business to a certain extent. I have met members of various Socialist parties of all nations who have turned this loose definition into something more specific. Some go as far as to postulate that the end of government will be replaced with Democracy, while others devise “free societies” with abolishment of money and making everything free, while still others believe in Participatory Economics and not working if you desire not to (while still receiving the benefits of working, such as pay). Many of these Socialists, though, understand how broad a term “Socialism” is, and have more thoroughly described their idea of the mechanics of their Utopian societies.

Before addressing the question of rights,Guest Posting or of the benefits of industrial society, it would be essential that I describe the workings of how I view a good Socialist society and economy. I believe that the public deserves the right to own some capital. It is already true that the government owns and runs some transportation industries (roads), as well as being the greatest competitor of the education industry. Other industries such as sanitation, postal delivery, electricity, water, and other utilities are also regulated, owned, or operated by the government. However, I believe that other industries aso ought to be publicly owned, such as factories that produce electronics or other goods, a very small chain of retail outlets to help distribute goods, and — most importantly — farms to produce food for the starving population. By the public owning these industries, we can set prices, have fair working hours, have fair working conditions, and have decent quality of goods. By private industry owning capital and businesses, these desired economical conditions have rarely occured (as I shall demonstrate with evidence in the next section). As well as public ownership of industry, I believe that private ownership should not be prohibited (within Communism, private ownership of capital and means of production is prohibited). To help promote ethical business procedures within private industry, some Socialists have advocated business regulations: Minimum Wage Laws, Overtime and Minimum Working Hours Laws, Child Labor Laws, safe working conditions lows, among others, which allow private enterprise to act as it desires within certain principle guidelines. Though I do believe in regulation of private industries (with such laws as minimum wage and safe working conditions), I also believe that some industries should be publicly owned (I will delve into detail concerning Regulation versus Ownership later). Though regulation does provide an artificial standard for business to meet, the best standard is provided by companies owned by the public with the specific intention of serving the public — public industry will serve the worker by providing fair wages, good hours, and safe working conditions for honest work; public industry will serve the community and the consumer by providing high quality goods at a low, affordable price. Regulation and public ownership of some capital of most industries is my idea of Socialism, as well as having public businesses providing beyond the requirements of business regulation, and therefore providing natural competition to private enterprise. As to the question of how laws are passed and decisions are made, this is not something I can wholly answer here, though I would lean towards Direct Democracy (Anarchism).

The Plight of the Workers

Is Socialism possible? Is it needed? Is it desirable? These are questions that can only be answered with brute, hard facts. The following is a list of facts concerning the rich, the poor, and everyone concerned…

In 1974, the Capitalist class (per household) was making over $125,000 anually (in 1966 dollars); in 1987, the Capitalist class (per household) was making over $160,000 anually (in 1966 dollars); and in 1995, the Capitalist class (per household) was making over $200,000 anually (1966 dollars). However, from 1966 to 1995, the middle class have been making little over $25,000 anually (1966 dollars), and from 1966 to 1995, the poor class have been making little over $8,000 anually (1966 dollars) and that figure has remained virtually unchanged for that time period. From 1966 to 1995, the Capitalist class had an increase in over $75,000 (1966 dollars) yet the other classes have not been getting an increase of income at all. [Source: U.S. Census Bureau, historical income and poverty data.]

Roughly 20% of the children in the United States are living in below poverty conditions. [Source: Urban Institute.]

What we find in the United States, in 1980, is that top 1% of the United States of America owns more than 25% of all the wealth in the nation, while the poorest 20% of the nation do not even own 1% of the wealth. [Source: U.S. Treasury, Internal Revenue Service. Quoted from Contemporary Macroeconomics, by Milton H. Spencer, Worth Publishers, Inc., Fourth Edition, page 45.]

The mining industry made 174.5 billion in 1997 and paid its workers only 20.9 billion — each worker was paid 12% of the wealth they produced. The construction industry made 834.8 billion and paid its workers 171.0 billion — each worker was paid 20% of the wealth they produced. The manufacturing industry made 3,958.1 billion and paids its workers 595.7 billion — each worker was paid 15% of the wealth they produced. The transportation and public utilities industry made 1,143.9 billion and paid its workers 199.7 billion — each worker was paid 17% of the wealth they produced. The wholesale trade industry made 4,235.4 billion and paid its workers 234.5 billion — each worker was paid 5% of the wealth they produced. The retail trade industry made 2,545.9 billion and paids its workers 290.5 billion — each worker was paid 11% of the wealth they produced. The finance, insurance, and real estate industry made 2,474.9 billion and paid its workers 308.2 billion — each worker was paid 12% of the wealth they produced. The services (taxable firms only) industry made 1,843.8 billion and paid its workers 688.9 billion — each worker was paid 37% of the wealth they produced. [Source: U.S. Census Bureau, 1997 Economic Census, Comparative Statistics, Core Business Stastitics Series, EC97X-C52, issued June 2000.]

However, if it is true that these workers receive such a small percentage of the wealth they make, then the following must be true: Workers in the mining industry (who receive on average 12% of the wealth they make for their employers) make an average of $40,820.31 per year, or $19.62 per hour. Workers in the construction industry (who receive an average of 20% of the wealth they make for their employers) make an average of $30,716.72 per year, or $14.76 per hour. Workers in the manufacturing industry (who receive an average of 15% of the wealth they make for their employers) make an average of $33,929.48 per year, or $16.31 per hour. Workers in the transportation and public utilities industry (who receive an average of 17% of the wealth they make for their employers) make an average of $35,102.21 per year, or $16.87 per hour. Workers in the wholesale trade industry (who receive an average of 5% of the wealth they make for their employers) make an average of $36,025.37 per year, or $17.31 per hour. Workers in the retail trade industry (who receive an average of 11% of the wealth they make for their employers) make an average of $13,724.90 per year, or $6.59 per hour. Workers in the finance, insurance, and real estate industry (who receive an average of 12% of the wealth they make for their employers) make an average of $42,136.63 per year, or $20.25 per hour. Workers in the services (taxable firms only) industry (who receive an average of 37% of the wealth they make for their employers) make an average of $27,252.51 per year, or $13.10 per hour.

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