Why You Should Have Never Gotten a Job?

Why You Should Have Never Gotten a Job?

Business, Culture

In life, there are crossroads that you must face. One crossroad, in particular, is your career path. Whether to get that high paying job or start your own business, a decision must be made. But do you really need a job? Here are a few reasons why you should never get a job.

  1. You only get paid when you work

Getting that permanent job and exchanging your time for money may seem like a good idea. There’s only one problem with it. You only get paid when you’re working. So unless you have been thoroughly brainwashed into thinking that’s reasonable and intelligent, you must always benefit from the fruits of your labour. Don’t your plants grow even when you aren’t tending to them?

2. Limited experience

You might take a job to gain experience. But when you get the job, one of the famous sayings that you are greeted with is, “We have been doing it like that for years, don’t change it.” Now, what real experience are you gaining from that? A handicapped one. You gain experience from living, regardless of whether you have a job or not, a job only gives you experience at that job. You can create your own genius because that’s how geniuses are made.

3. You have been institutionalized

Also known as learning how to be a good pet. Look around. Take a real good look. What do you see? Any free-minded human beings? Or caged robots?

How’s your obedience training coming along? Does your master reward your good behavior? Or did you get scolded in front of your colleagues today? Humans are not meant to be in cages.

4. Way too risky

Oh, the famous line, “Having a job brings security”. The myth. Social conditioning is truly amazing. Know anyone who got laid off recently? A permanent worker who never had a blemish on their record, whose job just became redundant? The idea that a job is the most secure way to generate income is just silly. Just think, someone can turn off all your income just by saying two words (“You’re fired”).

5. Loss of freedom

There is a lot that goes into taming a human being into an employee. The human independent will must be broken using policies. Sounds familiar? No? Take a look at your employee manual.   It is filled with nonsensical rules and regulations that lead to the new employee becoming more obedient, fearing discipline from their superiors. For example, that extra earring that is barely visible at the top of your ear. Human Resources commanded you to remove it not so? Just one of the freedoms taken away from you.

Photos courtesy of:

Easy Job©Miki Yoshihito/Flickr

Stress©Jon Nicholls/Flickr

 

 

7 Great Tips for New Business Owners

7 Great Tips for New Business Owners

Business

You are in one of the following categories: You just finished school, you are in a dead-end job, or maybe you just want a new venture challenge. Yet where do you start, what do you do? For the path, you must take consider these tips.

  1. Focus.
    In starting your new business you may feel the need to jump at every opportunity. But opportunities are most times dead ends looking like a junction. Avoid getting side-tracked. Doing too much takes a lot out of you, affecting your effectiveness and productivity. Concentrate on one thing perfectly, not 10 things poorly.
  2. Know what you do. Do what you know.
    Do not jump into business simply because you hate your job or you think you’ll get large hypothetical profit margins and returns. Stick to what you love. Your business will be built around your strengths and talents. This will increase your chance of success.
  3. Know what you know, what you don’t know and who knows what you don’t.
    Never come off as a know-it-all. Always seek successful, knowledgeable advisors and mentors who will nurture you to become a better leader and business person. They should share common interests and mutual business goals that coincide with what you hope to achieve.
  4. Rule No.1: Never lose money. Rule No.2: Never forget rule No.1, Warren Buffet.
    You don’t need the fancy offices, nice cars, and fat expense accounts. Your wallet in business is your company’s life-blood. Watch every dollar and double check every expense. Always maintain a low overhead that you can manage effectively.
  5. No one will give you money before you invest in yourself
    To repeat again, no one will invest in you before you invest in yourself. If large sums of money are needed to launch your venture, find ways to make it happen. Find ways to prove your business model on a shoestring budget. Demonstrate your worth before seeking investment.
  6. Know when to call it quits.
    Outside of make believe, a smart captain does not go down with his ship. Read the signs, evaluate your situation and drop the ego. Know when to walk away. It does not have to be forever, but it can be a strategic retreat. Stop, gain knowledge, make contacts, reinvent your model then try again.

Photos By

Business©Christophe Benoit/Flickr

Business©Tuncay/Flickr

Marijuana To be Legal By The End Of The Year In Jamaica

Marijuana To be Legal By The End Of The Year In Jamaica

Business, Money, Politics

14875946061_ff6a3a0385_kJamaica is widely known as the place where you are supposed to roll a blunt and enjoy the vibes. But the substance is still illegal on the island. The Chairman of Jamaica’s Cannabis Licensing Authority (CLA), Hyacinth Lightbourne has announced that authority hopes to supply conditional licenses by the end of 2016. These licenses will allow persons to  grow and process marijuana for medicinal, therapeutic, research and development purposes.

Lightbourne has stated that 89 applications for licenses have been received thus far . Of the 89,  25 are cultivators, 18 have applied for processing, 14 for research and development, 8 for transportation, and 24 for retailing.

She said, “After all the paperwork has been submitted, we have to evaluate the information given as well as conduct a thorough background check on the applicants.”

The process of being issued a license includes the CLA, who consults with key partners and agencies such as the Financial Investigation Division, Passport Immigration and Citizenship Agency (PICA), Ministry of National Security, doing a background check where the applicant has to implement the certain measures in order to enter the industry. Growers must show their right to use the land on which they will be conducting cultivation of the crop, while transport operators must show proof of ownership or certified evidence of their permitted use of vehicles which they plan to transport their product.

The CLA organization was formed in 2015 through the Dangerous Drug Amendment Act, (DDA)  to establish the much-anticipated marijuana and hemp industry in Jamaica.

Photo Courtesy of :

Marijuana©Global Panorama/Flickr

How To Keep Your Home From Foreclosing

How To Keep Your Home From Foreclosing

Business, Money

3993310255_273389be94_oWe all have had some kind of experience with it. Whether it being a friend, co-worker, family member or even your own experience, the foreclosure of a home is present in everyday life. Yet, what if I told you that there is a way to delay a foreclosure.

It begins with understanding the foreclosure process. So what is foreclosure? It is a legal process in which a person who has a mortgage on his/her property fails to pay their monthly installments after a period of time. This results in the mortgage being evicted and the estate sold to recover monies owed. Foreclosure happens for the following reasons, failing to make payments on the loan, transferring ownership of your property without the bank’s or mortgage lender’s consent while still paying off the debt, or violating documented terms of the loan.

The expenditure covered includes the balance of the mortgage, costs of collecting the added debt , and what was spent in foreclosing the property. In the event, the property is not purchased at a certain price, it will become the lender’s. Note, there has to be a certain amount of time as well as a certain amount of payments missed in order for the foreclosure process to start. If you miss the first payment, the bank or lender will send you a 30-day late. A representative from the bank or lender will call or send you a notice in the mail for the missed payment. If you continue to miss mortgage payments, you will be sent a 60-day late, then if missed again a 90-day late. By the 90-day late mark, the bank or lender will send a “Notice of Default”. The NOD will state that you have 30 days to make the payment current, appear in court, or face the risk of a foreclosure. If you fail to appear in court within 30 days or make your payments current, the court will rule in the favor of the lender, and schedule an auction to sell your home within 7 days. But what does it take to delay the foreclosure?2395303251_773c98489e_b

You have 4 options, a forbearance plan, a partial claim, pre-foreclosure sale, and a deed in lieu of foreclosure. A forbearance plan is a payment plan created by the lender to make it easier for payments to be made or even suspend payments temporary until your situation becomes current again.

A partial claim is when the bank allows the mortgagee or borrower to advance funds to the mortgagor in the form of a promissory note. This is a written agreement which states that you will have to pay a certain amount by a certain date. So long as you are not delinquent over 12 months. This will if followed properly, bring your mortgage payments current. It acts as a second mortgage behind your existing one that collects no interest and is not due until you pay off your first mortgage or sell your home.

Next, there is the pre-foreclosure sale which is a short sale that helps you avoid a foreclosure, but at the risk of selling your home. The sale might most likely go for much less than what the property is worth but can still save you some expenses. Lastly, there is the deed in lieu of foreclosure. This allows you to sell your home back to the bank that financed your mortgage. It is a great way to avoid the foreclosure process but you will lose your home nevertheless. Now you know what it takes to delay a foreclosure with a bank. I hope brighter days are ahead for you.

Photos Courtesy:

Foreclosure©BasicGov/Flickr

Foreclosure©Daniel X. O’neil/Flickr