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| Is Our Economy Broke? |
ECONOMICS
Government is not the generator of
economic growth; working people are.
– U.S. Senator Phil Gram
economic growth; working people are.
– U.S. Senator Phil Gram
| Community Voices ... Serving a Multicultural Community! Opinions expressed on this Website do not necessarily reflect the opinion of Community Voices LLC, which has no control over, thus no responsibility for, the content of Linked sites to this Web page, financially or otherwise. Issues concerning content should be directed to Community Voices LLC Voicemail (269) 343-4653 * Write: P.O. Box 424, Kalamazoo, MI 49004 * Fax (269) 343-2270 * E-Mail Comvoices@aol.com About Us Advertise Contact Us |
Community Voices E-Mail: Comvoices@aol.com
THE SIX STEPS TO SIX FIGURES:
How to go from joblessness
to naming your own salary
By Laurie Williams
The job market is competitive on a normal day,
but in this slow economy it is tougher than usual
for the new college grad and recently laid off or
downsized worker to land a good job. The
recession has seen the loss of six million jobs in
less than two years. No one knows better than
author, motivational speaker and certified master
career director Lauri Williams what the effects of
job loss can have on a person’s psyche. In her
new book, Six Steps Six Figures: A Power-
Packed Guide For Your Career Goals & Life,
Williams shows you how to overcome unforeseen
obstacles like a company downsizing to write the
ticket to your own success.
Six Steps Six Figures: A Power-Packed Guide
For Your Career Goals & Life is available at
Barnes and Noble bookstores, online: www.
amazon.com, and www.optasiatraining.com
How to go from joblessness
to naming your own salary
By Laurie Williams
The job market is competitive on a normal day,
but in this slow economy it is tougher than usual
for the new college grad and recently laid off or
downsized worker to land a good job. The
recession has seen the loss of six million jobs in
less than two years. No one knows better than
author, motivational speaker and certified master
career director Lauri Williams what the effects of
job loss can have on a person’s psyche. In her
new book, Six Steps Six Figures: A Power-
Packed Guide For Your Career Goals & Life,
Williams shows you how to overcome unforeseen
obstacles like a company downsizing to write the
ticket to your own success.
Six Steps Six Figures: A Power-Packed Guide
For Your Career Goals & Life is available at
Barnes and Noble bookstores, online: www.
amazon.com, and www.optasiatraining.com
(BPRW) Do Black Spending Habits Prevent Financial Freedom?
(BLACK PR WIRE) ( September 3, 2009) In today’s society, financial freedom is
becoming the new “American Dream.” Everyday thousands commit to developing a
lifestyle that will propel them to this reality. Whether it’s forming a strict budget,
cutting up credit cards or eating at restaurants less often, the reality of wise spending
is finally setting in for some. However, at times it seems that Black America just
doesn’t quite get “it!”
America is facing tough economic times and blacks are facing even tougher times.
Census reports state the unemployment rate among blacks is 10.8%, opposed to
whites which are only 4.7%. Despite the facts, blacks are actually spending more
instead of saving or investing more. According to Target Market, a company that
tracks black consumer spending, blacks spends a significant amount of their
income on depreciable products. Of this array of goods, cars and clothes are among
the top items.
The time is now for blacks to reverse this pattern of destructive spending behavior
and wise up! Overindulgence in the purchase of depreciable products reflects
motivation for instant gratification and social acceptance. Unfortunately, short-term
rewards come at the expense of our future. African-American teens are already
mimicking the spending behaviors of adults. Studies have shown that African-
American teenagers spend six percent more per month or $5,136 per year, than the
average American teen.
One wise way blacks can increase appreciable spending habits is through home
ownership. Owning a home is a tangible investment that yields financial rewards.
Currently, black home ownership is at an all-time high from years prior. However,
percentages still are not where they need to be. “Black home ownership rates are
still more than 25 percentage points below those of whites,” says Lance Freeman,
Columbia University Assistant Professor, and Urban Planning Program. So to close
this gap, blacks should consider purchasing a home opposed to renting.
Although keeping up with the Jones’ may entail the purchase of trendy cars and
clothes, investing in a home is the wisest way to compete. This also presents a
model to teach African-American youth which investments are really worth the
spending!
Sometimes stating your desire for financial freedom and actually taking the steps to
get there, turn into an “easier said than done” clich�. But truthfully, there is one
simple strategy you can put into practice starting today! Before pulling out that cash,
swiping the card or placing your John Hancock on that check, ask yourself—“Is this
purchase a need or a want?” If you conclude after pondering this question that the
product is truly a want, make the decision to be responsible and take control of
detrimental spending habits right then. Get closer to conquering the new “American
Dream.” Wise spending is not only self empowerment, its community
empowerment! So “wise up” today!
The content and opinions expressed within this press release are those of the author
(s) and/or represented companies, and are not necessarily shared by Black PR
Wire. The author(s) and/or represented companies are solely responsible for the
facts and the accuracy of the content of this Press release. Black PR Wire reserves
the right to reject a press release if, in the view of Black PR Wire, the content of the
release is unsuitable for distribution.
-------------------------
Posted CVs September 8, 2009
(BLACK PR WIRE) ( September 3, 2009) In today’s society, financial freedom is
becoming the new “American Dream.” Everyday thousands commit to developing a
lifestyle that will propel them to this reality. Whether it’s forming a strict budget,
cutting up credit cards or eating at restaurants less often, the reality of wise spending
is finally setting in for some. However, at times it seems that Black America just
doesn’t quite get “it!”
America is facing tough economic times and blacks are facing even tougher times.
Census reports state the unemployment rate among blacks is 10.8%, opposed to
whites which are only 4.7%. Despite the facts, blacks are actually spending more
instead of saving or investing more. According to Target Market, a company that
tracks black consumer spending, blacks spends a significant amount of their
income on depreciable products. Of this array of goods, cars and clothes are among
the top items.
The time is now for blacks to reverse this pattern of destructive spending behavior
and wise up! Overindulgence in the purchase of depreciable products reflects
motivation for instant gratification and social acceptance. Unfortunately, short-term
rewards come at the expense of our future. African-American teens are already
mimicking the spending behaviors of adults. Studies have shown that African-
American teenagers spend six percent more per month or $5,136 per year, than the
average American teen.
One wise way blacks can increase appreciable spending habits is through home
ownership. Owning a home is a tangible investment that yields financial rewards.
Currently, black home ownership is at an all-time high from years prior. However,
percentages still are not where they need to be. “Black home ownership rates are
still more than 25 percentage points below those of whites,” says Lance Freeman,
Columbia University Assistant Professor, and Urban Planning Program. So to close
this gap, blacks should consider purchasing a home opposed to renting.
Although keeping up with the Jones’ may entail the purchase of trendy cars and
clothes, investing in a home is the wisest way to compete. This also presents a
model to teach African-American youth which investments are really worth the
spending!
Sometimes stating your desire for financial freedom and actually taking the steps to
get there, turn into an “easier said than done” clich�. But truthfully, there is one
simple strategy you can put into practice starting today! Before pulling out that cash,
swiping the card or placing your John Hancock on that check, ask yourself—“Is this
purchase a need or a want?” If you conclude after pondering this question that the
product is truly a want, make the decision to be responsible and take control of
detrimental spending habits right then. Get closer to conquering the new “American
Dream.” Wise spending is not only self empowerment, its community
empowerment! So “wise up” today!
The content and opinions expressed within this press release are those of the author
(s) and/or represented companies, and are not necessarily shared by Black PR
Wire. The author(s) and/or represented companies are solely responsible for the
facts and the accuracy of the content of this Press release. Black PR Wire reserves
the right to reject a press release if, in the view of Black PR Wire, the content of the
release is unsuitable for distribution.
-------------------------
Posted CVs September 8, 2009
A recession is activity in a country over a
sustained general slowdown in economic
period of time, or a business cycle
contraction. During recessions, many
macroeconomic indicators vary in a
similar way. Production as measured by
GrossDomestic Product (GDP),
employment, investment spending,
capacity utilization, household incomes
and business profits all fall during
recessions.
Governments usually respond to
recessions by adopting expansionary
macroeconomic policies, such as
increasing money supply, increasing
decreasing taxation.
What is A Depression?
In economics, a depression is a
sustained, long downturn in one or more
economies. It is more severe than a
recession, which is seen as a normal
downturn in the business cycle.
Considered a rare and extreme form of
recession, a depression is characterized
by abnormal increases in unemployment,
restriction of credit, shrinking output and
investment, numerous bankruptcies,
reduced amounts of trade and commerce,
as well as highly volatile relative currency
value fluctuations, mostly devaluations.
Price deflation or hyperinflation are also
common elements of a depression.
sustained general slowdown in economic
period of time, or a business cycle
contraction. During recessions, many
macroeconomic indicators vary in a
similar way. Production as measured by
GrossDomestic Product (GDP),
employment, investment spending,
capacity utilization, household incomes
and business profits all fall during
recessions.
Governments usually respond to
recessions by adopting expansionary
macroeconomic policies, such as
increasing money supply, increasing
decreasing taxation.
What is A Depression?
In economics, a depression is a
sustained, long downturn in one or more
economies. It is more severe than a
recession, which is seen as a normal
downturn in the business cycle.
Considered a rare and extreme form of
recession, a depression is characterized
by abnormal increases in unemployment,
restriction of credit, shrinking output and
investment, numerous bankruptcies,
reduced amounts of trade and commerce,
as well as highly volatile relative currency
value fluctuations, mostly devaluations.
Price deflation or hyperinflation are also
common elements of a depression.
( BPRW) Money Down the Drain
( BLACK PR WIRE) ( August 29, 2009) Brian Bartlett, 25, said he ignored the slow,
faint whining of his toilet until it cost him. Bartlett, a fourth-year criminal justice
student at Florida A&M University, said the noise from the bathroom was like
annoying background music. The Miami native said he ignored the whimpers until
he noticed a sudden increase in his water bill from $30 to $50.?
According to experts, Bartlett is not alone. “Ninety-five percent of leaks are in toilets,”
said Bob Seaton, the supervisor of Energy Services for the City of Tallahassee. He
said the noises become so constant that residents do not hear them.?
Seaton suggested placing food coloring in the tank of the toilet. He explained that if
there is a leak, the food coloring will migrate to the bowl without the toilet being
flushed. Seaton said leaks are not always detectable. He said to check the hinged
cap on the water meter, located outside of the house. If the red triangle dial is
spinning, there is a leak, said Seaton. “Sometimes there is a leak underground that
goes unnoticed,” said Seaton. But checking the dial will detect a leak, he said.
Seaton said about 2,500 gallons of water a month should be used per person.
However, water usage can easily be decreased by 30 to 40 percent by taking shorter
showers, running full loads in washing machines, and repairing water leaks
promptly. “Every penny counts,” said Bartlett.?
For more tips on conserving water, go to: http://www.wateruseitwisely.com.
-------------------------
Posted CVs September 8, 2009
( BLACK PR WIRE) ( August 29, 2009) Brian Bartlett, 25, said he ignored the slow,
faint whining of his toilet until it cost him. Bartlett, a fourth-year criminal justice
student at Florida A&M University, said the noise from the bathroom was like
annoying background music. The Miami native said he ignored the whimpers until
he noticed a sudden increase in his water bill from $30 to $50.?
According to experts, Bartlett is not alone. “Ninety-five percent of leaks are in toilets,”
said Bob Seaton, the supervisor of Energy Services for the City of Tallahassee. He
said the noises become so constant that residents do not hear them.?
Seaton suggested placing food coloring in the tank of the toilet. He explained that if
there is a leak, the food coloring will migrate to the bowl without the toilet being
flushed. Seaton said leaks are not always detectable. He said to check the hinged
cap on the water meter, located outside of the house. If the red triangle dial is
spinning, there is a leak, said Seaton. “Sometimes there is a leak underground that
goes unnoticed,” said Seaton. But checking the dial will detect a leak, he said.
Seaton said about 2,500 gallons of water a month should be used per person.
However, water usage can easily be decreased by 30 to 40 percent by taking shorter
showers, running full loads in washing machines, and repairing water leaks
promptly. “Every penny counts,” said Bartlett.?
For more tips on conserving water, go to: http://www.wateruseitwisely.com.
-------------------------
Posted CVs September 8, 2009
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