One late paycheck - What would it do to you?

Many people do not have to imagine.

Unfortunately it is a regular occurrence for salary payments to be unavailable to workers at the agreed date.

Whether this is because of your employer's incompetence,

untrustworthy character or reasonably unforeseeable circumstances is irrelevant.

Even if it is an honest mistake that only happens once due to a completely

understandable banking error the effects are still the same.


As a matter of fact it is likely that it has already happened to you!

The funding that you were counting on was not on time and you were put in a position

where you had to choose what you could do without until you could afford it all.

Yes it is a part of life for most people but who actually wants to live like this?


Anyone would avoid that feeling of borrowing till payday if they could,

so why is it still so common to the majority of the population?

Most people just do not know how to manage money or have the

financial education to get themselves out of the cycle.


One late paycheck vs one missed paycheck

If you have a regular J.O.B. you most likely fall into the category that it spells (Just Over Broke).

This means you have expenses every month that cannot be paid without your paycheck.

Again, this is the normal state of affairs.

If you have problems coping with a late paycheck, missing one would be a catastrophe.

This is what employers count on to keep you under their control.


If you do not learn better money management, this will go on for your entire life.

While I do understand that your resources are limited,

it is quite possible that your spending habits play a part in how tight your budget is.

I can accept that life would go crazy if you miss a paycheck but a late paycheck should not cause havoc,

especially since it can be an honest mistake or one off occurrence.


Search for a better source of income that your regular paycheck.

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Financial Education - Where is it?

I purposely said financial education instead of financial literacy

because I am trying to point out the gap between the two.

We talk about financial literacy with no thought of who teaches our children

what they need to know, yet we expect that it should be common knowledge.

It is actually very specific knowledge that has to be pursued and far too many citizens

leave school with no idea how to deal with monetary issues.


Society relies on parents to educate their children about financial matters.

Unfortunately the reality is that this method all but ensures that each child

has the same positive or negative success with money management.

These are horrible odds since the majority of parents are not affluent.

Many will never see the benefits of freelancing and even if they do,

will not have the skills to make it work.

  Financial Education

How many children leave school and cannot answer simple questions like:

What is the taxation rate in your country?

What are the different types of taxation in your country?

What is the governmental office that handles taxation in your country?

What are the credentials required to open a bank account?

What is the average rate of interest?


Financial Education - Who does it?

The fact is that a very large percentage of the population is taught only about

the rules/laws that apply to them during their first job.

At that point we can only hope that their employer is honest and knowledgeable.

We all have an experience that tells us that is not always true.

Not every business describes your options with honesty.


In this vulnerable position any employee can be taken advantage of.

There are many that have never recovered for their first employer misleading them.

I am sure you have met at least one worker being paid a horrible salary

or having their benefits or salary deductions incorrectly appropriated.

How can they even have a chance to organize their own finances correctly

when it already goes wrong at the source of procurement.

 Financial Education

Financial Education - Why not?

Why not instead bring these lessons into the school where we can regulate

the quality of the information given to young minds?

This way we can stop blindsiding freshly graduated workers with

taxation jargon that is completely foreign to them.


If these simple questions are not covered or even thought of during schooling,

how can you be expected to tackle more complicated issues such as investment?

Why should we be surprised that budgeting is a skill that is

almost never present in the younger workforce?

We condemn ourselves to learn financial tactics through trial and error

and turn our noses up at those that cannot recover from their mistakes.


It is time we stop treating financial education as a specialty skill

and recognize it as necessary and just as mandatory as Math and English.

The fact is that every single citizen is going to encounter a situation

that requires financial literacy in their career should make it a priority.


Like and share this post if you see the importance of Financial Education!

Brett CruickshankAll we can do now is educate ourselves!

Find a better way to make a living!

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The income claims represented in this blog post are extraordinary and do not make a guarantee for your success or income level. Please see Empower Network's average affiliate earnings at: http://www.empowernetwork.com/income

Rich kids do better


I came across an article recently that verifies the belief that I have.

The most important things in life are learned at home rather than school.

Of couse that is not the message that the writer was intending to convey but

rather to point out the inequalities that plague our financial landscape.


You can read the post here or see the original article in this link.

poor kids

America is the land of opportunity, just for some more than others.

That's because, in large part, inequality starts in the crib. Rich parents can afford to spend more time and money on their kids, and that gap has only grown the past few decades. Indeed, economists Greg Duncan and Richard Murnane calculate that, between 1972 and 2006, high-income parents increased their spending on "enrichment activities" for their children by 151 percent in inflation-adjusted terms, compared to 57 percent for low-income parents.

But, of course, it's not just a matter of dollars and cents. It's also a matter of letters and words. Affluent parents talk to their kids three more hours a week on average than poor parents, which is critical during a child's formative early years. That's why, as Stanford professor Sean Reardon explains, "rich students are increasingly entering kindergarten much better prepared to succeed in school than middle-class students," and they're staying that way.

It's an educational arms race that's leaving many kids far, far behind.

It's depressing, but not nearly so much as this:

Even poor kids who do everything right don't do much better than rich kids who do everything wrong. Advantages and disadvantages, in other words, tend to perpetuate themselves. You can see that in the above chart, based on a new paper from Richard Reeves and Isabel Sawhill, presented at the Federal Reserve Bank of Boston's annual conference, which is underway.

Specifically, rich high school dropouts remain in the top about as much as poor college grads stay stuck in the bottom — 14 versus 16 percent, respectively. Not only that, but these low-income strivers are just as likely to end up in the bottom as these wealthy ne'er-do-wells. Some meritocracy.

What's going on? Well, it's all about glass floors and glass ceilings. Rich kids who can go work for the family business — and, in Canada at least, 70 percent of the sons of the top 1 percent do just that — or inherit the family estate don't need a high school diploma to get ahead. It's an extreme example of what economists call "opportunity hoarding." That includes everything from legacy college admissions to unpaid internships that let affluent parents rig the game a little more in their children's favor.

But even if they didn't, low-income kids would still have a hard time getting ahead. That's, in part, because they're targets for diploma mills that load them up with debt, but not a lot of prospects. And even if they do get a good degree, at least when it comes to black families, they're more likely to still live in impoverished neighborhoods that keep them disconnected from opportunities.

It's not quite a heads-I-win, tails-you-lose game where rich kids get better educations, yet still get ahead even if they don't—but it's close enough. And if it keeps up, the American Dream will be just that.

All credit is given to the original sources for the information above.

For some reason I do not see anything amazing in this.

Not because I believe the world to be inherently one sided but rather because

I find it makes sense.

Children who are taught bad money habits from their parents (or none at all)

failing to become affluent is no surprise.

This is the uphill battle that everyone who has parents that have not

made a fortune for themselves face.

Brett CruickshankChoose your opportunity.

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The income claims represented in this blog post are extraordinary and do not make a guarantee for your success or income level. Please see Empower Network's average affiliate earnings at: http://www.empowernetwork.com/income

Not hungry enough?


If you are not familiar with the slang 'hungry' I doubt you have ever been.

When you are hungry you will do whatever it takes to put food on the table.

All the self doubt and other invisible barriers to your success take a back seat

to the self preservation instinct that drives you to stay alive by any means necessary.

This explains why entitled brats who have been handed everything all their life

cannot see their way to putting in real effort in their work..... they do not know hunger.


All careers require that you sacrifice your time but some require more.

Sacrificing pride, sleep, even health and safety all play a part in determining

what kinds of jobs you are willing to do.

Few and far between are the students who dream of being a garbage man,

despite how good the compensation package is.

Garbage Man

If you are hungry its a really easy choice to make.

Off shore work is always well paid because of the time away from home that is required.

Off Shore Worker

Easy choice if you know you and your family will eat well because of your sacrifice.

The list is endless and has different reactions from each individual.


What I have realized is that age plays a bigger role than I thought.

Only when the weight of life rests squarely on your shoulders and your parents cannot

assist anymore is when you are truly at your most productive.

Unless of course, as a child, you were from a family that went hungry,

you are not as willing to do whatever it takes as someone with that experience.


I have always been irritated by elders assuming that I was wrong because of age,

so I refuse to do it now that I am out of school long enough to be viewed as such.

I will not say that young people are not hungry because it is simply not true.

What I will say is that if you are young and you are not hungry enough to do

whatever it takes to succeed, then I am not surprised.


Let me be clear..... I am not hungry.

I would be a liar to even imply that because there is too long a list of things I will not do.

The creators of the opportunity that I represent were hungry.

They did many things that I would never do.

I say this to put it in perspective that if you cannot see yourself doing the easy part,

there is no way that you can be in the category of 'hungry' either.


Take a good look at yourself and answer this question.

If you put out some extra effort will you make more money?

This opportunity answers you with the blueprint.

Brett CruickshankAdd or follow me on Facebook.

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Make the choice

to be more hungry than content.

The income claims represented in this blog post are extraordinary and do not make a guarantee for your success or income level. Please see Empower Network's average affiliate earnings at: http://www.empowernetwork.com/income

Evolution of A writer


I must admit that most of my writing on this site has been boring in comparison

to the colourful way I speak in my day to day life.

In truth this is not a revelation but an intentional cop out perpetrated

to remain business-like and avoid alienating professional readers .

Not only does it fail but it creates text no different than any of the textbooks that

you read in school and didn't derive any joy from reading.


Totally wrong point of view to take!

No one wants to read politically correct drivel, even if it is on the most interesting subject in the world.

Even if your purpose is to attract customers to your opportunity,

your first commitment has to be creating content interesting enough to read.

It is time to stop  avoiding the harsh words of judgement that would make the sensitive people

among us cringe but inescapably bring my points across.

While there is merit in being professional as a businessman,

as a writer you need to avoid boring your audience into leaving before they have finished reading.


It is better that I alienate those who do not agree!

It is absolutely pointless to work within the confines that that others have set.

It was especially stupid of me to even try,

given that most of my content spits in the face of most main stream beliefs.

Putting some personality into each article to the point that someone will recognize the writing

rather than the author will be the equivalent of creating a brand for myself and attract like minded followers.


All part of the learning process I guess.

Time to edit myself less....... it usually works for me.

I will view this as another milestone in my literary evolution.

Unfortunately it cannot all be done in one day, progress is slow.

This simple article is light-years better than the first one sentence article that I wrote.

The future will lead to mastery with a little consistency.


I now make the pledge that I will no longer pull my punches in my articles!

Brett CruickshankSpread the word!

Like and share as much as you can.

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The income claims represented in this blog post are extraordinary and do not make a guarantee for your success or income level. Please see Empower Network's average affiliate earnings at: http://www.empowernetwork.com/income

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