Taxes 13% (25 votes)Jobs 35% (70 votes)Economy 33% (65 votes)Social Services 6% (12 votes)Change 9% (17 votes)Other: 4% (9 votes)
Managing Kids and Their Financial ExpectationBy- Marion SyversenItâ€™s can be hard to say no to people you love. Especially when the things people want is affordable and you can easily buy it. So when youâ€™re in the store and your baby asks for something and they are so cute and so sweet, it is easy to say, sure. But buying things all the time when kids ask will create serious problems for your kids. In real life they canâ€™t have everything they see and want. You donâ€™t want them to become so accustomed to wanting or needing things to the extent that they would forgo real relationships for one in which someone who will buy them stuff. And you want fulfillment in their lives to be more than things.Check yourself- Can you say no? If not, why not? Are you fulfilling needs from your emptiness or pain? This is a common reason why parents canâ€™t or wonâ€™t say no. They donâ€™t really need the item for which they may presently be begging. It may very well be in your heart. Â Life has rules- Are you being mean when you tell your child that not to stand on a chair because they may fall? Is God being mean because there is gravity? Helping your child be a responsible, charitable adult who works hard and is kind to others thatâ€™s your job as a parent. Here are some rules: You canâ€™t have everything you want. Work bring satisfaction and a paycheck. Think of others. Clean up after yourself. Itâ€™s not all about you.Find teaching tools- Itâ€™s hard for kids to hear you say you donâ€™t have the money when you spend $100 on groceries. I know what it means when you say things about your money, but they only see and hear words that say the opposite of what you are doing.Â Teaching budgeting, maybe you need to learn about budgeting, is a way to begin this process. Â According to a Wall Street Journal article 24% of parents made back to school budgets WITH their kids which was many more than had done it a few years ago.Itâ€™s okay to learn these truths together. We are all on a journey in life and not as smart or as wise today as we will be, hopefully, next week or next year. But please recognize what motivates you and take control of yourself so you can be a better parent for your children.Citations:http://online.wsj.com/article/SB10001424052748704285104575491761014550690.html Â Â
In this edition of Take This Job and Love It, Chelsey Anderson heads to Skowhegan. There Chelsey hoped to be a shoe in for her new job.Chelsey- “The New Balance Shoe Factory focuses on safety, quality, efficiency and effectiveness. They have to, to put out as many as 42-hundred pairs of shoe a day. So I got right to work and did my best to keep up.”—————Plant Manager Patrick Welch started me in cutting working with Lisa.Lisa, Cutter, New Balance Shoe Factory- “It’s basically like a puzzle.”Chelsey- “So, we’re trying to squeeze as many as these pieces on as possible.”After Lisa helped me punch out a couple more runs it was time to head upstairs, where they were excited to have us.Crew singing- “Take this job and love it!”One of the first things Patrick tried to instill in me was that timing’s everything.Patrick Welch, Plant Mgr., New Balance Shoe Factory- “At 12:04:48 this person right here, will be coming around the corner any moment.”So, I skipped pre-fit, where the fine details are added, and started at the first pass of computer stitching with Judy. I watched and tried my best, but I didn’t have the talent and speed these folks have. I was slowing the whole line down.Chelsey- “Sorry!”Patrick showed me how to do one of the stations…Patrick Welch, Plant Mgr., New Balance Shoe Factory- “I put the wrong one on. That’s why I don’t do this very often!”Chelsey- “Now I spin it?” “Yep.”I had to sew the New Balance N on, and dye out the tongue hole.The next station was a manual sewing station with a lot to it. I wasn’t sure I had the skill for sewing in the box toe, but with an 18 year sewing veteran helping me, I gave it a try.Chelsey- “Rrrrr!””These are fixable. They really are.”She’ll regret saying that.Chelsey- ” This is terrible, you don’t want this one.”Chelsey- “I can not have THIS job.”Patrick Welch, Plant Mgr., New Balance Shoe Factory- “I’ve seen creative stitching but that takes it to a whole new level!”After several more sewing stations it was getting easier and easier to see the final product.Patrick Welch, Plant Mgr., New Balance Shoe Factory- “This, for all intent and purpose, is a shoe, but for insert, lace and sole.” Chelsey- “It doesn’t have a soul yet.” Patrick- “It needs a soul!”I head over to apply the glue cement to the souls with Ray.Ray- “You want to put one in and make sure it’s flat and you want to put it in so it goes all the way back in there.”Ray- “If you look at it you can see it almost looks like a car wash.” Chelsey- “Oh that’s neat.”Ray- “Now, here comes the fun part, because sometimes they get away from you.” Chelsey- “Uh-oh.” Ray- “You’re going to have to hold it tight, and go from one side all the way around to the other side.”Ray- “See it coming up.” Chelsey- “And now I spin it. Oh, oh, oh! I’m losing it!”Like the other stations, Ray was much faster and effective than me, so he cleaned up my mess and I moved onto the final stations.Chelsey- “Wind it up, put it on the inside.”Instructor- “Check the distance here. See if it matches.” Chelsey- “Pretty good.”Now I inspect the shoes and punch them for sale before popping the pair in the box.Chelsey- “Well, there we go. There’s my shoes: not mine because we could not sell those.”So after slowing down the line, and creating a whole lot more work for each of the stations I stopped at, would I get the job?Patrick Welch, Plant Mgr., New Balance Shoe Factory- “You would. I’ll tell you why. Good attitude, you’ve got a good smile, and communicate really well. Those are the things we look for. We can teach you how to make shoes!””We’d love to have you and you’re always welcome.”————Chelsey- “I’d like to thank everyone at New Balance Shoe Factory for putting out a great shoe, made in the USA, by great people. You all have amazing skills.”If you have an idea for our next Take This Job and Love It email Chelsey at email@example.com or the station at firstname.lastname@example.org.
By- Marion SyversonThis week I and Norumbega Financial celebrate our ninth anniversary. The SBA’s general rule of thumb is that 50% of businesses make it, or succeed. Do you have a plan- or do you just dream of working for yourself? Dreaming isn’t enough. The more detailed your plan, the more likely the chance that you have figured out contingencies for the ups and downs of economic cycles. Persuasive and persistent- Being strongly determined, really wanting to be your own boss as well as the drive to do what it takes are critical traits to longevity. Passion goes a long way in persuading people to work with you. It makes you and your service or product at least initially compelling.Ready to tackle an ‘ongoing puzzle’- actually the business is a series of puzzles. How much has technology changed in the ten years Norumbega Financial has been an entity? A lot! Rules for my industries have changed, employees have changed. Manufacturing methods have evolved. Tweaking delivery or packaging methods, cutting edge communication, staying faithful to great service while developing new business, keeping current with trends in the skill in which you specialize, so many directions you – and your team- need to keep advancing: do you have what it takes?Motivated- Do you have the drive and the desire to push every day- or to push forward most days? No one can be 100% every day but I’m a very high energy person and I wish I were doing more.Capable- If you stink at what you do, having all these other skills or traits will not be enough to sustain any business for the long-term. You have got to be capable, even really good or great, at what you do to have long-term success.Don’t give up the dream of business ownership, but you have the best chance of success if you have more than just a dream.Citations:Business owners Toolkithttp://www.toolkit.com/small_business_guide/sbg.aspx?nid=P01_00017 reasons businesses failhttp://www.businessknowhow.com/startup/business-failure.htmAbout. Comhttp://entrepreneurs.about.com/od/becominganentrepreneur/a/doyouhavewhatittakes.htm Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc., Norumbega Financial and all other entities listed herein are separate entities, independently owned and operated.