HOW TO GET WEALTHY ENOUGH TO CARE FOR (and LAUNCH) BOTH YOUR CHILDREN AND GRANDCHILDREN!
HELP US KIDS TO FLOAT IN DIRECTIONS
YOU'D HAVE TAKEN HAD YOU THE CASH ...
when you were young, huh MOM? Dad?
Scan this factoid: "REPORT SHOWS UNDERSIDE OF ECONOMY: U.S WORKERS PUT IN MUCH LONGER HOURS, EARN LESS! " The truth is, compared to Our Dads in the 50's, today's DAD's earning power would be equivalent to earning 170$ an hour. That's why GRAND DAD and Dad could buy single family homes. Mom could stay home and relax with the kiddies in that home. No crazed teens & drug/crime statistics like today. Wages were fair then. To have that much buying power today you'd need 5k a week take home salary. Americans had it good then and we never knew. (Sigh!)
"Break your back at work and what do you get? Another day older and deeper in debt," according to a recent study by the Economic Policy Institute. The study, titled "The State of Working America," finds that workers still have not caught up to the level of wages before the 1989 recession. Wages in 1997 were 3.1 percent lower than in 1989. This was what was called the REAGAN RECESSION.
In addition, since then, the work week has gotten longer, not shorter. Most U.S. workers are laboring far more than eight hours a day -- even though the working class fought for and won that right more than a century ago, and even though new technology has greatly reduced the amount of labor needed in both manufacturing and service industries.
The report documents that the average two-worker family worked 247 more hours a year on the job in 1996 than in 1989--for roughly the same wages. That's six additional weeks of labor a year. (and it is even worse today, 2013.)
On Wall Street, these were champagne-cork-popping years. The market soared. But who profited from the bullish climb of the stock market? THE ECONOMIC POLICY INSTITUTE predicted JOB SOLVENCY, that AMERICAN WORKERS are very well trained, in their APRIL 2000 report and days later the entire market crashed, job market, stock market, leaving workers in the tech sector shipwrecked! SO GO to the terrific, instructional EPIWEBSITE and read their pages but realize that no psychics seem to work there, either.
According to one of their recent studies, more than 85 percent of the proceeds from stock market gains between 1989 and 1997 went to the wealthiest 10 percent of the population. That figure is probably relaxed. It's a lot worse. l% of the pop!
It's 150 years since "The Communist Manifesto" was written but its words are contemporary. "Society as a whole is more and more splitting up into two great hostile camps, into two great classes directly facing each other: bourgeoisie and proletariat," Karl Marx and Frederick Engels wrote. Get the book "FINLAND STATION" at a used book store. It tells the lives of a dozen great progressive men, their view point on Rogue Capitalism as a force destined to do one thing, enslave the worker. Current salary stats bear that out. They have tightened the clamps on the worker. Minimum wage today hasn't the power it did in the 50's. CEOS and Banksters figured out how to suffocate the worker. Read "WE ARE ALL LOBSTERS IN A POT ABOUT TO SIMMER" and we don't even suspect the fire.
For years, the spin doctors for capitalism have tried to obscure this truth. They talk about the United States as a "classless" society in which any individual who works hard enough can be "upwardly mobile." They attempt to split those people with jobs from those who are the poorest by describing them as two separate classes, two separate minds, bodies. One is stupid, lazy, the other energetic and educateable.
The brutal reality is that today a tiny percentage of super wealthy, like a .0005% of humanity and the WORKING CLASS are supremely antagonistic and are in direct conflict. At one pole are the workers: those whose survival depends on being able to find wage work. At the other pole is the tiny UBERWEALTHY group that owns big business and the banks and lives off the profits. Workers get back in wages only a small portion of the wealth their labor produces. The rest fills the vaults of the owners, banksters so that their ROLLS ROYCE is double parked outside the Ritz in Paris where they order the whole dessert wagon and take one bite of each, send the rest to the dump where they sent us to be able to live that way.
The rich are getting richer and the poor are getting poorer. It's not necessary to be a Marxist to recognize that truth. MARX WAS RIGHT!(*Click on that one and see why he was right) It is essential to UNDERSTAND Marx, not be a Marxist --in order to understand what it takes to achieve real economic justice. Only when the working class, the majority of the population, organizes to win not only some concessions from the bosses but its rightful place in control of society -- and only when LABOR tells the capitalists they can no longer claim ownership of what collective labor has built -- only then can production be planned to benefit society as a whole, rather than to produce profits for a few. Once you understand MARX, understand UNCLE SAM AND THE IRS which means learn the secret of leaving your grandkids billions.
In this productive, high-tech world, wouldn't the first items on the workers' agenda be to make sure everyone has
access to a job, and that wages be raised so no one has to work overtime or take two jobs to make ends meet? This simple, sensible solution to the contradiction of unemployment and underemployment for some while others are forced to work long hours seems impossible to achieve under capitalism. But it is the ABC of a socialist economy. And having a more socialist economy would eradicate the under class which, with things as they are, are unable to care about work as they're all eating ramen and are wobbly, mentally unfocused, eyesight going, children screaming....hungry, living in grimy roach-infested slums.
NOTE: What this article tells us is that the BOSS has calibrated your survival needs. He will pay your rent and part of your food as a worker, just enough to keep you barely alive. There will be no frills like fresh fruit in winter, or educations for children. And no 'after the job is over' pension frills. THE BOSS MAN has cancelled pensions all over America, as of DECEMBER 2005. 401Ks are over with. NO BOSS is going to co-pay for workers pension. Corporate Frills are over with except for them, the managerial class. The Golden parachute, often 50 million to a CEO who's retiring. Congress gets almost their full salary and gets it for life!
AS A PARENT, U-need2 KNOW THE LAUNCHING PAD YOU NEED TO BUILD YOUR KIDS' LIVES.
1.) THEIR STUDY: You don't need MONEY to buy your babies the TOYS that train their intelligence, the books that train their student-minds to grasp the written word. Thrift Stores and your wealthier chums have them by the barrel full. You need two other things:
A.) Kids need a CHILDHOOD where they LEARNED THE RULES for SUCCESS. These rules come from Mom/ Dad, And the TOOLS: libraries, free books, a visit every 3 weeks, all year long without fail. Then, after school group/s and museums, seminars, peer- tutoring. These study tools should come in for THEIR ENTIRE CHILDHOOD, There's another kind of tool:
B.) BUYING USED BOOKS. (Click on that URL.) Besides That method that I describe for buying used books online at low cost, there is an amazing, ONLINE FREEBIE Goodie-tossing, Merchandise-SHARING GROUP out there! FREECYCLE is an amazing online group that is in every city of the USA. It's FREE to join. Their membership in your own area will send you 2 E-mails on the average day "come take my children's books, my kids' clothing, my Hitachi 14" inch color tv, etc. Amazingly valuable things are just given away. Craigs List has the FREEBIE section too. Same deal but at times a little cash is required by vendor. After a few days, haggle them down and walk away with it for a few bucks when they didn't get anyone to come. I put in baby fruit/nut tree ads, get 100 responses but nobody comes over to my house. Go figure. MINE are free, too! (trade Super Soil bag)
2.) THEIR FREE EDUCATION AT COLLEGE- College is free if you get grants. NEVER get STUDENT LOANS. They don't dissolve ever, bankruptcy leaves them in place. You really should study the EDUCATION FUNDING SECRETS website.
MONEY UNDER THE TABLE FOR TEENS! PRIMARY among these, our best secret, while kids are in high school, do not allow them to work on jobs with W-2s as then, they can't qualify for Pell grants or State grants. Kids gotta go UNDERGROUND: Video Tape or PHOTOGRAPH their family parties. Video you hand them as a CDROM, E-mail the parents THE PICTURES as JPGS. Or give them the CD ROM. A few hours work, all the party food you can eat and you earn 50$? FUN! Run a Fish Taco Wagon, maybe, 500$ a day ingresses. Mow lawns a lot less, grow plants in flats by the hundred and landscape homes, way more lucrative, creative and healthy fun and 200$ a day. Clean houses, Clean attics, carpets, go see two sites, the TEEN ENTREPRENEUR PAGE and the GUERILLA CAPITALISM INDEX PAGE and pick something off those two lists, anything that has no paperwork, paper trail or W-2's attached. Parents' declared income must be under a certain amt, too, so frugalize your tax profile!
Next, if you are above the 'grant line' the kid must (--on paper,) live with a relative with very low income. So borrow Auntie's apartment address! Auntie will call you when there's mail. PUT ALL THOSE KIDS THROUGH COLLEGE without the usual 15k a year cost to the parent.
3.) SOON AS THEY ARE ABLE TO USE ONE, MAKE YOUR CHILD USE a CREDIT CARD. They must always cover the payables each month in order to build credit. ONE single time they let it revolve for 60 days, they lose their high credit rating and will never be able to buy a condo or better a four unit bldg. Imagine how great to go to college and buy a CONDO near by, or a 4 unit apartment building, your child and a roomie share one unit, Mom/Dad or the CHILD HIMSELF RENTS the other three units so there's an income of $3,000 a month. See:. REAL ESTATE SECRETS
4.) GET THEM THEIR CONDO YOUNG! SOON as you can, and they can, help the employed, post grad child to attain that four unit bldg in his own name, to build his credit. He/She has a college friend roomie paying to share HIS UNIT. You as the parent can share in all income or just leave all the chores and rental collection to the child. The other units draw the income to pay off the entire bldg.
This purchase happens the sec that child graduates from college, with that first salary. He pays off his own CONDO. As soon as the child has left college with that degree and has settled into a JOB with a good salary, throw that down payment on a CONDO into his hands so that he can buy a 4 unit building. One apartment will be his, the other three will be SOLD at the GIT GO as CONDOS to three friends of his, or maybe 3 families. He controls who they go to. However, if you Dad are rich, he could be the landlord and rent three or four of them to others to pay off bldg. When the child and the three other tenants pay the entire building off, he sells it, probably for ten times what it cost and you will have your cash back plus interest. He'll be off on a lifetime of property aquisitions which make him comfy for life. Later it'll be the 3&2 family home. But as a starter offer, that is a terrible investment. Not as flippable or cash producing as a 4unit bldg. Then the home will be paid off and he can buy a farm that is one gastank from the city for VACATION VILLAS for his pals. The foundation will be there, for that.
In case I didn't explain that well enough, you the parents PUT A DOWN PAYMENT ON A CONDO or 4unit bldg FOR EACH child who graduates --AS THEIR FIRST PROPERTY. Here's how easy it is. The second your kid graduates college and has a job, a paycheck, you will Mortgage your own home for some small amount, say 25k. And get them their first condo. The interest on loan is gonna give you a tax break, right? It's a sizeable down payment for the kid. That means over the yrs, you've got an extra 200$ a month or something yourself to pay? Hey, guess what? THE CHILD must cover that 200$ to you, personally. OR ELSE MOM REPO's the damn CONDO!
That scare feature convinces them to frugalize as you have. It also allows them to have a condo and with their job, they can make their payment, prob less than rent in your area, but it involves recorded ownership in their name, ergo it is about CREDIT. Better is a four unit bldg, you and pop own the three units the kid doesn't live in, rent them out, pay off the whole lot.A real estate agent can help you set this up. Bargain with him so he doesn't get his usual 6%
6.) ANYONE WITH AN AVERAGE JOB, KEEP YER EYE ON THE HORIZON & YOUR FEET MOVIN'! As the article above shows us, don't trust the system and the jobs they offer you. They will lock you into overtime, never pay you, offer no pension, no matching IRA or 401 funds, no health coverage, no job security at all so, offer these bastards no job loyalty! USE each employer as a training spot. Learn the entire riff. SANDRA KURTZIG slaved at Hewlett Packard, little 'darkie' in the back room with the machines giving banks some data service or other. She learned the data, the software, the machines! One day walked out, started the same service that HP offered banks but cheaper and out of her garage. (Like Thomas Alva Edison or Bill Gates or Henry Ford!) Made millions the first year. Then this canny broad went public, I mean she offered her stock on Wall Street (with the aid of seriously huge antique Wall Street firm who saw she was a 'comer.'. A few yrs later, she sold her data service corp for 422 million ---but this was back in the 80's. Like two billion today. Read "CEO" which she wrote, at ABEBOOKS.COM for a buck! USE a good EXECUTIVE HEAD HUNTING OUTFIT. Use job finder websites. My friends use them, tell me that they are quick to accomplish employment.
CREATE BEAUTIFUL RESUMES! VISIT a good "JOB GETTING SKILLS INDEX" Be sure to use the boss/ job that you just quit as a neato resume filler. KEEP updating that resume and keep MOVING like the proverbial shark who never sleeps. Don't fall in love with a dumb job or the people there, or that nice boss. Spiders' saliva is designed to make you fall asleep. A dumb job is still a dumb, underpaid job. However, when you leave a corp, do so with utmost politesse to the Head Spiders in case a new employer calls em up for a reference. Say something like "you just need more of a challenge, really hard stuff." Once a month, walk your resume thru better corporations than one you slave at, businesses in your area, doing so regularly! Remember, your Dad earned 170$ the hour in comparable pay, which would be 5k a week. BETTER CORPORATIONS will slave-use you the same way, so just move on and add another line to your resume but rust and sharks never sleep. If a job interview ever asks you 'why'd you keep on moving, be candid.' I want fine staff, best opportunities to learn new things. Salary isn't the deal breaker. It's being innovational, alive, helping 'forward the action' both at that business and in society. If I can't get that, if someone stuffs me in a closet, I leave." Don't mention that 170$ the hour your Dad earned. Nobody understands that talk except the IMF and Federal Reserve who designed this slave labor force into existence with inflation and helped CEOS implement it.
7.) PAY NO TAXES - TWO OPTIONS HERE on how to DEAL WITH TAX/ LICENSING ISSUES. First is, LET THE state and Fed KNOW you are there, give IRS a small amt., that's one option, Save receipts, deduct everything you can. Re-invest in your biz so much that there is nothing taxable, it's all eaten up. Never fear an audit. Only folks earning over a million get audited. If you show up at an audit with receipts they can do nothing. YOU STUN THEM INTO SILENCE even if your job-costs outweigh your job-take in and they owe you! THE OTHER OPTION is to be a submarine. Run silent, run deep. That means LAUNDER those gleanings just until you're big enough to need to go formal, ethical with the State licensing bureau and the IRS, then introduce yourself to them as a recent start-up. One biz where this isn't true is cooking. If food is involved and you're selling it on the street, you must have state licenses, sanitation clearage. But most other businesses where merchandise goes to retailers from your wholesale hands, you're not going to show up on anybody's radar. If you render a service for more than 10k a year, they may want to give you a W-2 so here's what you do. QUIT at 9k a year. The rest must be unfiched or 'see ya Jan 1st' I know a girl who has a HOTEL, as she owns a 5 bdrm mansion on a main drag in a big city. She has an online presence which attracts clients, European and Asian guests pay 100$ a night, she's always full, gives breakfast. Whole thing is a submarine biz.
8.) LAUNCH MOONLIGHTING BUSINESSES i.e. COTTAGE INDUSTRIES which involve cash on the barrelhead only -- some biz/ service or product which you create in your spare time, at home, nights or on weekends. ( ^ click on the MOONLIGHTING) I tell tales out of school, like how my Pal Edythe the Irrascible Bitch baked sweet goodies for the posh FARMERS' MARKETS. She was bitter and without charm but made a small fortune. Once you learn how to put a table and a shadecloth up at 8 am, 52 weekends a year, and make cakes, pies, fudge, brownies and cheesecakes at bottom dollar, the money just rolls in.
Many ideas that these new age entrepreneurs have are total BLACK SWAN ideas, (meaning no history of their existing.) Like DOING WARHOLS OF WEDDING GUESTS, snappy fast photos at parties. Like "handy guys R-us", doing HANDYMAN CHORES, VERY LUCRATIVE. Or STRONG WOMEN who like to be on their feet, NAILING the RUDE EMPLOYEEs at Department stores by being a JERK-CLERK BUSTING SPY SHOPPER. OPEN YOUR OWN BOARDING HOUSE. Or PC handy folks might teach PC NEWBIES. One course on website design lets you make the big money.
9.) FORWARD THE ACTION! Frequently, volunteer to give lectures at the LEARNING ANNEX type Lecture Schoolrooms. OR BE A PUNDIT ONLINE.
BLOGGING is very in. Sometimes you're so good at it, you get ads. DOOCE.COM gal makes 40k a month on ads and she just has a Mommie Pge. Your theme or subject might be how to start up a cottage industry, your kind of business. See, second you do this, you're an expert on WEB REVENUES. MERCHANDISING yourself as a writer. If you fear competition, do it in a nearby city. ALSO, Put ads up daily at Craigs list in "GIGS" or GROUPS or LESSONS directing readers in 50 states, England, even Europe, --to your inspiring history & ideas. That's paying it forward. That's sharing the energy. You may even pick up agents in foreign countries or cities to work with you on your biz.
NOW, the ads at Craigs must link to AN URL so see how easy it is to have FTP FREEBIE SOFTWARE and then you FTP up a freebie website --as I did, ---(well, I did it times l00) on all the features of this biz you do. Here is just one of my study concepts: BAZAAR FOLKLORICO IMPORTS from Mexico, being clothing, jewelry, handmade artisanry, MERCANTILISM, Folk Art, Decor, Furniture, Art. I give a list of the hot items there. Many can be made in USA and exported to EUROPE for EUROS. Try some studying at the ARTISANRY SEMINAR TOO!
10) HEAP BIG WAMPUM WITH INJUNS! Since the AMERICAN RECESSION HIT, I am stressing creating businesses where you export merchandise to EUROPE. The thing they most want there which they do not have, is American Indian products. So befriend your local tribe, get the Artisanry thing going and be their wholesaler, shipper, website buyer. We are Europe's Tijuana currently, meaning super cheap to them. The 50$ wholesale price for each INDIAN beaded thing-a-ma-bob you supply to a European Boutique is a DINNER OUT FOR A FAMILY of four in AMERICA. To a European, that's lunch at a Bistro for one person. You 'come off' as Bon marche. So that shop can turn around and sell it for 75$ and it's still cheap to them.
11.) MAKE WATER. Betcha never thought of this. You can get a purifier and sell water. NOBODY can afford the supermarket stuff anymore! A garage MACHINE. Folks back their car up, open the back, fill up their bottles, pay your kid, have specific hours. Tweet the 'water time' that you'll be there. Close garage, pocket the five bucks, do this ten times a day. That's 1 thousand clams a month. Not a lot but those water machines cost less than that.
12.) ARTISANRY: Read HANDICRAFTS IMPORT/ EXPORT WEBSITE. FASHION: D'ya have Friends in the Wholesale Garment Market? They have samples every few weeks, and must give them away. They get outdated fast. Put dress racks in your back bedroom, have a dress store right in your home: Or make DRESSES. YOURSELF, you and Grammie and Auntie.
13.) INVEST IN THE CHINESE STOCK MARKET especially their MUTUAL FUNDS!
That is how you make each month's left over money multiply itself. l00$ a month over a year can be a million when the kids graduate and need to start their business, start their dental studio, their landscaping biz. Whatever. Or their first steps in real estate with a condo for each of them. Read the big time financial journalist JIM ROGERS who moved from Wall Street to Malaysia, covers the whole Asia beat.* * * * * * * * * * * * * * * * * * *<=== BACK TO THE FRUGAL TIPS and CHEAPO LIFESTYLE WEBPAGE
Our POSTER is ANITA SANDS HERNANDEZ, Los Angeles Writer, ombudsman, Futurist and Astrologer to Yogi Bhajan for 35 years. Catch up with her websites TRUTHS GOV WILL HIDE & NEVER TELL YOU, also The FUTURE, WHAT'S COMIN' AT YA! FRUGAL LIFE STYLE TIPS, HOW TO SURVIVE the COMING GREAT DEPRESSION, and Secrets of Nature, HOLISTIC, AFFORDABLE HEALING. Also ARTISANRY FOR EXPORT, EARN EUROS....* Anita is at email@example.com ). Get a 15$ natal horoscope "my money/future life" reading now + copy horoscope as a Gif file graphic! No smarter, more accurate career reading out there! PS. Anita sez, 'get a website for 5$ a month and post articles that YOU LIKE, TOO! Be someone who forwards the action, the evolution. IT IS getting better you know and by getting WORSE FIRST, it gets better!
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