How Minimum Wage Effects All Lives
Corporate CEOs Can Do Without Their Third Yacht and Mansion and Pay A Livable Minimum Wage
Not a day goes by that I hear something about minimum wage laws. Some lawmakers think it would be a good idea for low-income employees to have a livable wage. Some think increasing the minimum wage is not a good idea for the companies that have to pay. I feel differently.
Because of the constant arguing around the topic, I think many Americans are confused. They can’t understand why politicians would not want employees to make a livable wage with a higher minimum wage.
I will try to explain here why it is important for all of us to engage in the conversation around getting all Americans to enjoy a livable wage. By implementing a fair minimum wage this can happen, and how it affects personal finances and the economy.
Why Most States Minimum Wage is Not a Livable Wage
I personally do not feel that most minimum wage salaries are a livable wage, regardless of the area of the country you live in, and therefore it should be increased. My argument is outlined here.
The conversation around getting all Americans to enjoy a livable wage starts here
According to the U.S. Department of Labor, the minimum wage is normally controlled by laws of the individual states. There is also a federal minimum wage law. In states where the federal minimum is higher than the state minimum, the federal wage is used.
If the state wage is higher than the federal, the state minimum is used. There are several states that base their minimum wage on the consumer price index. Those states are, AZ, CO, FL, MO, MT, NV, OH, OR, VT, and WA.
They usually adjust their minimums every January. There are some states that don’t have a minimum, those are AL, LA, MS, SC, and TN.
Washington D.C. has the highest minimum at $15.00 an hour as of July 5, 2020. California is next with $14.00 an hour. The lowest are Alabama ($7.25 federal, no state minimum), Alaska ($10.00), Arizona ($12.00), and Arkansas ($10.00).
The average appears to be around $9.50 per hour in the U.S. If the minimum wage kept up with 1963 rates, the wage would be $23 per hour. Employees are only asking for between $9 to $15 an hour.
A recent highly publicized report stated that just eight men in the United States own more wealth than half the population. This was not the case or even close forty years ago.
At Least One State in The United States Has No Minimum Wage, and That is Sad
But, as corporations figure out how to keep more of the company earnings, employees are getting paid less and less over the years. Investors are getting paid more.
THE OBVIOUS DISADVANTAGES
There are the obvious disadvantages to earning the minimum wage or below, the first being; you will not have enough to rent a decent apartment or home. Some states make up for this with apartments they call “the projects” in the cities, or subsidized affordable rental apartments in the suburbs.
In “the projects’ apartment rent is based on income, so if your wages are low, your rent is low. The problem with this is the quality of tenant that good people are forced to surround themselves with is low. and repairs often go undone.
One example of complexes that are considered “the projects” are in my city.
I have had the opportunity to speak to a few people who lived in one of these apartment complexes and they told me it is miserable.
Even with low rent, these low wage earners are usually not left with enough money to purchase or run a car or save for emergencies. Life becomes one painful emergency after another.
The next disadvantage five minimum wage workers I spoke to in my city told me is that, in order to have a semblance of a normal life they have to work two jobs.
This means their kids are left alone frequently, they are usually over-tired driving home from their second job — a road hazard, and they have little or no time to take care of their personal affairs or that of their children.
Reporter Shaila Dewan, wrote in the New York Times, “Rent is Rising Out of Reach For The Middle Class”. My question is if rent is too high for the middle class, where does that leave the lower middle class or the low-wage worker?
What type of future does this group of workers have, if rent continues to climb, and low-income apartments continue to be torn down for high rise, high-income buildings; like we see in most cities around the United States?
Many of the major cities are so expensive that in order to live there you have to find a dwelling similar to a third world country. With lots of people living with you, and the building is usually in disrepair. A few years ago, a city near me had several articles in our local newspaper about a gentrification issue.
They wanted to tear down low-income “projects” near a fancy new shopping center — problem was, there were 1200 people living there and they could not figure out where to put them.
Lucky for them, the economy collapsed, and discussion was halted, at least for a few years.
Now, the economy has improved, so I suspect the discussion is quietly taking place somewhere behind closed doors to tear down the low-income apartments and replace them with high-income dwellings.
There has been a huge apartment building boom in our 7 sister cities area. A small percentage of the apartments are set aside for low-income dwellers, so this may be a partial answer to their relocation problem. These are called “affordable income subsidies”.
The drawback to depending on low-income apartment rent is that they are limited compared to the number of renters who need them. You usually have to get on a waiting list for an available apartment – as long as a few years.
According to Zillow, the rents for middle-income wage earners are running from 35% of income in (Hattiesburg, Mississippi) to 47% of income in Los Angeles, California.
A major disadvantage of a minimum wage job is that you can’t afford an apartment in most areas of the country. Since low-income apartments are very limited (as mentioned before), and can take a few years to land at the top of a rental list.
Even when the average low wage earner does get a low-income apartment — then the issue becomes food, utilities, healthcare, transportation, and emergencies.
If the average low wage income is $15,000 per year (an average usually quoted by media sources), and you have a family of 3, your monthly take-home could be a little as $900.
Most rents are at least $1000 per month for a 2 bedroom home in an average priced city. That means you are behind before you pay rent. It will take some work to find affordable housing, and pay all other living costs.
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THE MOST EGREGIOUS DISADVANTAGES OF LOW WAGE JOBS
Low-income communities have a lower tax base for their school system, mostly because the school system’s funding is based on local tax dollars.
So, lower-income communities suffer low taxes and low funding for schools. This means they have fewer resources than middle income or rich school districts.
The end result is that students often get a poor quality of education. This may be one of the reasons they have a higher high school dropout rate. In some communities, there is an increased crime rate since high school dropouts find it difficult to get jobs.
Another disadvantage, which seems to go unnoticed by professionals, is an ongoing depression in poor communities. It is the result of trying to live within the confines of a miserably low wage job while working long hard hours.
Many in poor communities are forced to work two jobs in order to live within their miserable low wages, this also adds significantly to depression.
Some major cities have affordable mass transit, others don’t. So, minimum wage workers are forced to purchase and maintain a car which makes life even more difficult than it would be with mass transit.
THE MINIMUM WAGE SOLUTIONS
What are the solutions? Some politicians are in favor of new laws that would increase the minimums, others are not.
I encourage you to Google, your congressman, and senator — encourage them to vote to increase the minimum wage.
People who make a fair livable minimum wage can afford to pay rent on an apartment or small home. They can shop for necessities and food, and spend more time with their kids by avoiding the 3 job day.
Schools will have more taxable money for better schools, and higher-performing students.
Because people have more money to take care of their needs, crime will be reduced in their immediate community and those around them.
So, as you can see a livable minimum wage benefits communities the employees live in, adjacent communities, and the economy.
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Lois Center-Shabazz | Course Delta Agency
Personal Finance: Author, Blogger, Course Creator, Money Strategist
Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here
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3 Ways to Save Money When You Own a Small Business
Save Money When You Own a Small Business
Owning a brick and mortar business or an online business can both be expensive, I have done both, but there are many ways to save money when you own a small business.
So, you must know what to spend money on and how to limit and analyze your spending. If you don’t Spend on the right items, you will not have movement with your business.
After deciding the business structure, the importance of knowledge of the product, and your target market, then you have to find out how to get customers.
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Create a Marketing Budget
Most of the small business people I know spend a lot of time and energy on creating content or products but forget about marketing them. One of the most effective ways to get noticed is effective marketing.
The more you market, the more you are loved. Don’t fail to market because you don’t have a marketing budget, create one.
You can save money when you have a small business by doing your own marketing until you get established.
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Create a Monthly Advertising Budget
Advertising is trickier than marketing. The graphics and the text need to be ultra-attractive, otherwise, you will not attract any attention.
No attention means wasted advertisement. The best way to get effective ads, is to use an ad specialist.
Ad specialist study and know advertising better than you know because it is their constant study and analyses.
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Create an Outsourcing Budget
You can’t grow alone. The best way to grow if you are online is outsourcing. There are people who specialize in the most minute areas from social media marketing to copy-writing.
There are many web businesses that specialize in providing an independent contractor who will work for you.
You save money when you own a small business by outsourcing due to the fact you don’t have to pay employee taxes and salaries.
Lois Center-Shabazz | Course Delta Agency
Personal Finance: Author, Blogger, Course Creator, Money Strategist
Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here
GET YOUR FREE Fantastic Finances Tips Course by eMail
7 STEPS OF NEW INVESTORS FREE PDF
YOUR FREE PRINTABLES FOR HOME OR BUSINESS MORE FREE PDFS
JOIN MY PERSONAL FINANCE FACEBOOK PAGE
5 Reasons Great Small Business Records are Essential
Small businesses are often times under staffed and the owners are over worked. But that is no excuse for maintaining poor small business records. Some small businesses don’t understand the “records” part of their business to the point where written records are almost non-existent.
Not keeping detailed small business records or no records at all can cause serious problems for your business and the agencies that regulate your business. For some, record keeping is just one of those task they don’t want to deal with, others complain they don’t have the time.
No matter what your reason for poor small business record keeping, the reasons for good records are immense; they range from not missing important tax deductions to preparing financial statements.
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Budgeting For Small Business Starts With an Affordable Car
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Here are 5 major reasons for keeping detailed small business records:
1. Maintain business ethics and stay honest with the IRS and other regulatory agencies, as well as your own peace of mind
2. Support items reported on tax returns
3. Monitor Your Small Business Progress for Profits
4. Understand Your Net Profit Subject to Tax
5. Prepare your financial statements
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Maintain Business Ethics and Regulations
It depends on the industry your business is aligned with that determines which agencies regulate your business. But, no matter what agencies regulate your business, good records will keep you prepared if you are questioned. Honesty is an absolute must, to maintain the integrity or your business product and service, and keep your doors open. Staying honest will avoid having to worry about being caught for dishonesty later, effectively maintaining business peace of mind.
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Keep Small Business Debt Low and Start With an Affordable Home
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Identify Your Source of Receipts To Support IRS Deductions
When the IRS scrutinizes your business the first thing they want to see are authentic and honest receipts. Keep them to keep your business honest. All receipts must be original and not tampered with. Keep your receipts organized and safely stored. The last thing you want is for the IRS to be forced to guess your actual costs due to poor record keeping and no proof of costs. To facilitate your tax preparation and reporting, as well as your responses to potential IRS inquiries, it is beneficial to record and store your documentation of any transactions between related parties. An example of transactions between related parties, i.e., a corporation and its sole shareholder, may be subject to special scrutiny.
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Make a Profit and Monitor Your Small Business Progress
You need to know how much you are spending on your business to keep it running efficiently. Understand your break even point to arrive at a profit. For example: “How much do I need to spend to create and sell my product or service?” Always keep good records of all of the costs of taking your product or service to market. You can avoid having a business that loses money each time you sell a product or service without knowing it. A sure road to small business failure is not knowing the exact cost of every item of your business.
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Understand Investing, Budgeting, and Saving For Small Business
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Calculate Your Lowest Net Profit Subject to Tax
You cannot deduct expenses that you approximate or estimate. You must be able to prove (substantiate) your business expenses with timely and accurate records to support the amounts deducted to compute your net profit. Burden of proof is on you, if you are ever audited. The proof is in accurate and honest receipts, expenses and your
small business records
Borrow Money From a Banking Institution or Other Commercial Lender
Potential lenders are going to check your credit and analyze projections to repay a business loan. All business assets, sales and receipts will be verified. Business relationships are sometimes subjected to scrutiny. Keep personal finances separate from small business finances, to avoid confusing regulatory agencies and prompt an audit, or prevent your ability to get small business bank funding. Understand the difference between your business and personal affairs by maintaining seperate accounts for each.
Lois Center-Shabazz | Course Delta Agency
Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here
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7 Small Business Ideas That May Mean Your Ready For Business
Your Small Business Ideas
Whether or not you are successful in business appears to be closely correlated with your type of business. The U.S. Census Business Dynamics database plotted a five-year survival rate of several industries since 2005.
The research showed the success of rates of industries from construction to mining with a success rate between 36% to 51%.
Then there are those who operate businesses that do not make a substantial profit. They are working long hours and spending most of the money that comes into the business on overhead; rent, supplies, salaries, advertising and marketing.
These people did not do their homework to find out the demand and cost of the business. For some of these people demand is low, and the cost is too high; but some just don’t know how to find their interested market.
Small Business Ideas
Here are some questions you can ask yourself before you think about starting a business, you will also get several small business ideas and tips.
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1. IS IT TIME TO START A BUSINESS YET?
If you have worked in every department of a small business as an employee and understand how every single department works, then you may possess this one very important factor for success in your own small business.
If you have managed to master the skill of managing money, from small to large amounts, you posses a skill that will help you manage a business.
If you have worked in an industry long enough to understand what works in that industry to make profits and what does not, then you have acquired another skill that makes a small businessperson successful.
If you understand the team concept, and that you will have more success working with a team of people than alone – this is yet another skill you possess.
If you have ever done an analysis of business services or products needed in your area or on the internet, you possess a crucial ingredient for business success. Many businesses start up and fail because the market has been saturated with the product or service they sell or they don’t understand how to bring this market into their business.
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2. DO YOU PLAN TO BUY A BUSINESS OR START ONE OF YOUR OWN?
Both starting your own business and buying a business carry risk. In starting your own small business you need to have the qualities above and understand small business in general. The main issue is that it takes awhile to build a small business. You have to find customers and build the customer base. The hours are long and concentrated.
When it comes to buying a business, you have to understand how to evaluate the business. If it is a franchise-this is a type of leased business; questions to ask, Is it profitable? –the costs are extremely high with franchises. If it is a privately owned business, do I have an attorney and accountant that can do “do diligence” on the business, they must engage the following small business ideas to facts;
- Properly priced,
- There are no liens or encumbrances,
- There are no pending lawsuits against the business.
- There are no disagreements with prior business partners
When you buy a business, you need to spend money on a forensic accountant to determine if the business has produced what they are claiming. It is wise to spend money on an investigator and attorney to find out if the business is clear of any wrongdoing. If you don’t have the funds for this, or don’t feel it is necessary, you could end up with a worthless business, it has happened to many before you.
3. DO I UNDERSTAND THE COST OF SMALL BUSINESS?
One of the most difficult concepts for beginners in business to understand is cost. Some businesses have cost of 90% of business income and some have cost of 50% of business income. No matter what your business, you will have overhead cost. Businesses go bankrupt all of the time. One major reason is that the cost becomes more than the business income.
The following costs are important to understand before you buy or start a small business. These small business ideas should be thoroughly researched before you start thinking about business.
- The rent or lease cost and terms of both.
- The cost of equipment for the business.
- The cost of supplies used and ordered for the business.
- The cost of producing the product or service, (materials, time, labor).
- The cost of the employees: average salaries, employee taxes, employee benefits
- Independent contractors cost
The cost of insurances for the business (product liability, injury liability on premises, workman’s comp, health, malpractice insurance etc.)
4. HAS THE NEED FOR THE SERVICE OR PRODUCT BEEN ESTABLISHED?
Has the market been consumed with small businesses of your same type?
If you are starting a new business, have you tested the need for your product by starting to sell it and building customers at a flea market, out of your home, or small office. If you increase your sells over time and get repeat customers and a growing customer base, this is one sign the product is in demand.
Have you tested different price points with your business product to see what sells the most, and you still get a profit of at least 20%. This is low, but at least it is a profit.
Purchasing a business works best when you have worked in that business, You have the opportunity to see the need, you see the profitability, and you understand the product.
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5. HOW DO I REACH MY CUSTOMERS?
Advertising is very expensive. Marketing is very difficult, and can be expensive. Marketing tends to be more
effective than advertising because if done right it is more believable.
Studying advertising and marketing effectiveness is crucial. You can spend too much if you are not educated about both. The marketing of your small business ideas are more cost effective than advertising.
6. DO YOU UNDERSTAND THE MOST IMPORTANT PERSON IN YOUR SMALL BUSINESS
THE CUSTOMER IS KING, has been, and will always be the most important phrase you will ever hear.
If customers don’t get the product or service they are paying for, they will leave. If your business has little or no customers, it is a hobby. In some cases it is a very expensive hobby.
The next most important people in the business are the employees. Well trained and well appreciated employees are worth their weight in gold. They are a part of the team that will help you to achieve success.
As you can see there is a lot to think about before you think about seriously starting a small business. The research, development and previous experience will help you decide if the rigor of your own small business is something, you can do successfully. The most important person in your business will implement your small business ideas successfully.
7. WORK, WORK, WORK AND BE REALISTIC ABOUT EVERYTHING
Do your research, seek out advice from successful people, put in the hours, and listen when you get advice. Before you start a business you MUST understand budgets. Use the “Course For Fantastic Finances” to get started.
Lois Center-Shabazz | Course Delta Agency
Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here
Get Your FREE Fantastic Finances Tips Course by eMail
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The Unknown Reason We Procrastinate And How To Achieve Business Success
Achieve Business Success and do not Procrastinate
Are you part of the 26% of Americans that say they procrastinate (and those are only the ones that admitted it)? This article will show you research demonstrating that procrastination is a growing problem for all of us.
Most importantly, it will show you how to reduce procrastination and accomplish those goals you have been putting off want to achieve business success you were meant to be.
University of Calgary professor Piers Steel recently published a study in the American Psychological Bulletin on procrastination. The study showed that 26% of Americans now procrastinate, as opposed to only 5% in 1978.
Thus procrastination is growing and shows no sign of slowing. The study also showed that procrastination makes people poorer, fatter and unhappier.
Dr. Steel states that the growth of procrastination is directly related to the growth of distractions available to use. He points to such things as e-mail, the Internet, big screen TVs, cell phones, video games and so on that did not exist in 1978 but are all pervasive now. Dr. Steel feels it is these distractions that keep us from focusing on our goals to the extent we would like.
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When giving one of my seminars I use this tongue in cheek suggestion to determine if you are procrastinating. When the Post-It note you had your to-do list on has fallen off so many times, it no longer sticks, you are procrastinating. But seriously, my guess is you have a good sense of how much you procrastinate and if you need to be more focused on your priority tasks.
As a Motivational Expert, I am unhappy about the loss of productivity in terms of people’s professional and personal lives. So let’s look at some ways to stop procrastinating and get our lives moving again.
Keying off Dr. Steel’s discovery, the number one method to reduce procrastination is to reduce the distractions around you that are not related to your immediate goal. If you are working on a project, having a cell phone near you might be a great way to get needed input.
On the other hand, taking calls not related to your immediate goal, will take you away, instead of toward your goal. Things such as TVs, video games and other such distractions that have no bearing at all on your goal should be removed from the immediate area or off at the least turned off.
Of course having a list of goals and assigning priorities, plus time budgets to them, is a huge help in reducing procrastination. Knowing what you have to do keeps you focused and less apt to stray from the course.
A great way to avoid procrastination is to keep reminding yourself of the payback you will receive from completing your goal. Visualize yourself completing the project and enjoying the reward you will receive once you accomplish it.
Here’s a tip taken from my book Sixty Seconds To Success that may help you get started. “Act as if. That’s right, act as if. Whatever you want, act as if you already have it. If you’re in a bad mood, act as if you’re in a good mood. Go around smiling, hold your head high, sing, and walk proud.
Within minutes, you’ll find yourself in a good mood. Facing a chore you don’t want to do? Act as if you want to do it and start doing it. Within a few minutes, you’ll be enjoying it.
On a longer-term basis, if you want to achieve a goal, act as if you’ve already achieved it and guess what? You’ll achieve it. That’s the key to getting what you want. Act as if you already have it and it will be yours. ”
Many people find “Eating the biggest frog first” is an effective way to get things done without putting them off. Pick the hardest part of something you need to do and do it first. That way the hardest part is out of the way and you will move through the rest of the project without dreading doing the hard part.
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Retirement Investments to Achieve Business Success
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Taking the opposite approach to doing the hardest part first works better for some people. Theresa A. Smith, Business and Life Coach helps her clients get unstuck by first listing the steps they need to take to complete a task and then to pick one small action they can do without getting involved with the whole task.
Now it’s in their control to complete the action and then choose to move to the next small step and so on. When you find yourself procrastinating ask yourself “what’s one small action I can take that will bring me closer to success?”
Still need a reason to get moving. I send out a free daily email of “The One Minute Motivator”, and post a video version of them on youtube.com and recently in one I said, “How long do you have left to live? If you are a man, you can subtract your current age from 73 and women can use 76.
This will give you the number of years you have to live, based on average life spans. I’ll be that number is smaller than you expected and has you a little concerned now. Good, you should be concerned. We only have 86,400 seconds in a day and they are flying by.
Now is the time to ask yourself if you are using those precious seconds as investments for your long-term happiness. Start now to consider what you really want out of life, and what you need to get there. Then start moving, as the clock is ticking.”
So pick one of your high priority, high payback items you have been putting off, and start to work on it right now. Your life will begin to move ahead and you will obtain the satisfaction of knowing you have moved out of the procrastinator zone and into the “doernator” zone. website.
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Saving Money to Achieve Business Success
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Singer Prince’ Interview on Personal Finance With Tavis Smiley Was Insightful
Prince interview with Tavis Smiley
Singer Prince, Tavis Smiley, Personal Finance
Singer Prince and Tavis Smiley on Personal Finance and Business
Singer Prince did an interview with Tavis Smiley. It re-aired a few weeks ago. I was very impressed with his small business acumen, his love of family. He spoke lovingly of his sister and all the fun they had when they were fun.
Prince spoke about the problems he had with his business partners. It took years to get control of his catalog of songs. and be paid properly. His complaint was how the business model works against the performer and in favor of the major record labels. But, being the businessman he was he insisted on getting paid what he was due. He persisted with lawsuits and publicity campaigns until finally he won control. I was impressed with his language and his business skills.
He was alert, intelligent, and resourceful financial genius. He had personal finance skills I have not seen in a performer for a long time. I was very impressed with his conversation with Tavis Smiley.
Beyonce When Life Gives Lemons Make Lemonade
Lemonade recipes for Beyonce
When life gives Beyonce lemons, she can make lemonade.
Lemonade Recipes
First of all Beyonce and all you ladies. When life gives you lemons, make lemonade.
Regular Lemonade Recipe
Lemons (To Taste)
Water (As needed)
Sugar (As sweet as you like)
Other Various Lemonade Recipes
Add Strawberries for Strawberry Lemonade
Add Blueberries for Blueberry Lemonade
Add Cherries for Cherry Lemonade
