Hello World :) September Statistics

I’ve gotten through my 5th month blogging! I also have some exciting news!

Let’s talk about the blog first, every month has been great so far in terms of traffic.  Views and visitor-ship keeps going up and up!  This month was actually my highest likes ever in a month +40!

I do have some really great news though!   I’M PREGNANT!  I found out 2 months ago.  And this pregnancy has been really kicking my ASS, it’s been hard for me to post and I know I committed to 2X a week but for Sept I don’t think I did too bad.  I only missed 1 post in the past month.  I’m committed to making this blog work so please bear with me if I miss a post.

Speaking of posts, September I did a poll on what types of posts are most popular with you readers.  Was it my motivational posts, career posts, lifestyle posts, relationship posts, or book reviews?  Surprisingly, lifestyle posts won, in second place was career posts, and last was motivational posts.  I’m not really sure what kind off lifestyle posts people are looking for, I’m still working out the types of stuff people are interested in.

If you haven’t had a chance to vote, please do so below.  I literally only had 6 votes from last week so not sure how reliable the information is, so please vote.

This upcoming month I plan on making some changes including adding a page that has the table of contents for the EVERY SINGLE POST I’ve done so far.  And that’s about 60 posts!

I did play around with the website layout a little bit.  I took away the Services tab because I thought I was going to include my services in posts, but then I realized I’d rather have the tab for those really interested instead of spamming everyone.  I also took away the popup subscription form for a while.  I wasn’t happy with the way that one looked.  I was able to syndicate with Mailchimp and create a nicer, more efficient one that is easy to close if you choose not to join.

This month I’ve increased to 50 new WordPress followers, 332 Medium followers, 10 email subscribers, 41 likes on my Facebook Page, and 17 Quora Followers.   I haven’t really been promoting outside of Facebook and a little bit on Medium, keeping up with my posts have been more of a priority.

So where am I?

Sept

Well, I ended the month with 1390 views which was 70+ more views than last month.  I was trying to figure out where I gained views.  To be honest, I had 35+ search engine searches leading to my page, which was a nice bump from last month.  I think my investment into Pinterest and Facebook has really helped, that I’ve been promoting myself very heavily there.

But the fact is that the quality and loyalty of my readership already says that this blog is on the right track, as long as you guys keep reading and sharing my work, there’s opportunity for me to take this full time and make this better.

So I’m asking you, all you readers if you enjoy this blog, please become a Patron through Patreon.  You can donate as little as $1.  But it would mean so much for me and help me support this blog and keep it going!

The Top Five Articles For This Month Were:

  1. What is Love?
  2. Why Dating Culture Doesn’t Work Towards Marriage
  3. My Best Friend Ghosted Me
  4. The Biggest Red Flags In A Relationship
  5. Dating in Your 30s vs Dating in Your 20s

Sept views

My viewership is still mainly US (where I’m from) but surprisingly I was popular with Australia with a whopping 20 views.  Canada (our close cousin) was 3rd, and then India and UK.  I just wanted to say high to you guys and thanks for reading.  I’m glad that my writing can relate to people in other countries.

Feel free to reach out to me here or comment below!

I’m interested to hear from you.

Read the rest of the series and see how far I’ve come!

Hello World 🙂 May Statistics

Hello World 🙂 June ’18 Statistics

Hello World 🙂 July Statistics!

Hello World 🙂 August Statistics!

Please like, share and follow!

 

 

Hello World :) August Stats

I’ve been blogging for 4 months!!! Wowzers.

August had to be my most successful month in terms of visitors and views.  Again, I want to thank all my visitors and readers for returning this month.  You guys keep me motivated and keep me wanting to write more.

There has been more engaging with my posts which I encourage! I want to know what you think and have you guys send me your thoughts.  I’ve also had some negative comments which I don’t mind either, it actually helps stir the pot and add some flavor to the conversation.  Why I took the risk and quit law school is on Medium and someone told me I was being ridiculous with my post and that I didn’t deserve what I have now and that my life was just plain luck.  I didn’t know what I’m talking about.

We’ll, trolls will be trolls but I made sure to leave a sharp but true reply back that HE didn’t know what he was talking about.  It ended up getting more support from other people on Medium so I guess bad publicity is good publicity?

But overall August was a good month!

And September will be better!

This upcoming month I plan on making some changes including adding a page that has the table of contents for the EVERY SINGLE POST I’ve done so far.  And that’s about 50 posts!

This month I’ve increased to 46 new WordPress followers, 169 Medium followers, 11 email subscribers, 25 likes on my Facebook Page, and 17 Quora Followers.

It’s been incredible!

So where am I?

August

I’ve more than tripled my views since I’ve started in May.  1314 views and 1089 visitors!  I’ve also broke this most views in a day record!  On August 2nd I hit 75 views.  That’s insane!  I couldn’t be happier with the response I’ve been getting for my posts.  Your readership means everything to me.

I did change my marketing strategy.  I moved some money and resources around to promote my blog.  I’m not spending more, just spending smarter.  When you realize a marketing source isn’t working for you anymore, the best thing to do is change it up.  My change in investment really made a difference the month and was overall a better ROI than what I was doing previously.

The Top Five Articles For This Month Were:

  1. Blood Is Thicker Than Water: The Power Of Family
  2. Work Smarter, Not Harder
  3. My Best Friend Ghosted Me
  4. Motivational Book Club: The Defining Decade: Why Your 20s Matter, by Meg Jay
  5. How Did That B*tch Get Rich?

This month there was incredible growth on WordPress with 27 likes and 8 new followers.  I want to encourage everyone to follow and like!  I follow and like back.

August was a hard month in terms of motivation.   I actually went away on vacation for a week, I went to Disney World with my daughter and family.  I had to squeeze 2 posts in while I was away, but I did it.  I also had a moment of negativity.  Despite having the best month ever, I was feeling down because I’m still so far from making my dream a reality: which is to write full time.

I’ve put so many hours into this blog and it’s still not 100% where I feel it should be in terms of quality posts and aesthetics.  But I can only do so much while I’m also working a 40 hour work week and taking care of my family.  Which is a silly type of thought to have because I’ve ONLY been writing for 4 months.  How successful do I expect it to be?

But the fact is that my readership already says that this blog is on the right track, as long as you guys keep reading and sharing my work, there’s opportunity for me to take this full time and make this better.

So I’m asking you, all you readers if you enjoy this blog, please become a Patron through Patreon.  You can donate as little as $1.  But it would mean so much for me and help me support this blog and keep it going!

Today I also wanted to share my viewership stats:

August countries

My traffic is mainly US, which is where I’m from so that makes sense.  But it’s nice to know that other people from other countries still find my writing relate-able. Hello Canada, India, United Kingdom, and Poland!  Thanks for viewing!

Feel free to reach out to me here or comment below!

I’m interested to hear from you.

Read the rest of the series and see how far I’ve come!

Hello World 🙂 May Statistics

Hello World 🙂 June ’18 Statistics

Hello World 🙂 July Statistics!

 

 

Status Update: I’m Still Not Vibing At Work

Stress at your job or feeling over worked concept.

Things have settled in my job quite a bit since I last posted about it.  I’m actually about to go on vacation which I 1000% deserve considering how hard I worked in April and May covering the whole office while people were leaving this company left and right.

And yes, I was showered with praise and gratitude during that time.  I showed what I was truly made of despite being undermined by my coworker.  But people in this company forget and now that things have settled down, all that gratitude is being eroded.

They had approved some time off for me WAYYYY before the whole transition of the previous manager leaving and the new one being hired.   Then they hired the new manager who required the same vacation time.  So now here we are in August about to leave the office in the hands of our Director and another property’s manager.

I take so many issues with the company I’m at now, with how they treat their employees. Last time I checked Paid Time Off was part of the benefits program and each employee was entitled to it.

My Director has the gall to tell me:

“You know, Our Director of Operations, really wanted you to cover those days your manager (N) had off.”  “I know we approved those days but your lucky we let you keep them.  Technically your time off is voluntary, it’s not a necessary part of running the business.”

I was like WTF is she telling me right now??? Am I slave?   This is crazy!  I can’t believe she said that to me.

I respond, “Well, this time was approved before the previous manager left.  I honestly don’t consider working 7 days straight and then having 5 days off a vacation.  Our vacations are well deserved, I especially since I worked very hard this year.”

She let it go after that.

You’re probably reading this right now like why the hell am I still at the company.  They obviously don’t respect their employees and would rather abuse them.  But it’s a good paying job, great benefits and a steady paycheck.  (shrugs).  A job is a job.

It doesn’t help that my new manager, N, doesn’t know how to navigate the whole political landscape that is part of the role.  In less than 3 months he’s got our marketing director, director and some of the other departments upset with his attitude towards their requests and the changes he wants made.  Apparently making changes that would be efficient would create work for other departments, which they HATE.

You see the corporate environment doesn’t care about your individual contribution.  Every single employee, except for ownership, is replaceable.  We are to produce more and more each year.  There’s no “rah, rah, hoorah!” for meeting last years quota in a bad market.

But you know from my previous posts that I know how to be an entrepreneur so that’s the hard part for me.  I KNOW things can be better.  I KNOW I don’t have to be treated like crap.  I KNOW I could start my own business tomorrow and in 5 years be somewhere with it.   And I am going to start a business, I’m going to start taking this writing thing and motivational shit seriously.  But right now I just need this paycheck and benefits before I get the ball rolling.

I honestly feel more uneasy about my career at this company than I every felt while working for myself.  I’m constantly reminded that things can change in an instant and the office life I got used to could be taken from me by the “powers that be.”  At least when I was self-employed I could rely mainly on myself.  I am probably the most reliable person I know.

So my Director spent the whole day talking about how she hated our new manager.  Then she went on to me and how she thought the old manager ‘walked all over me.”  She had repeated this in front of all my colleagues.  Those were her literal words.  It was rude and uncalled for, and definitely inappropriate.  I could tell she was just trying to get under my skin and find out how far SHE could push me.  I wish I could go to HR, but honestly I don’t trust HR.  The HR here does the BARE MINIMUM.

You’re only bitter because you’re a sad and lonely woman.  I feel sorry for you.  Now I wish I said that but I was like, let me keep my job today.  Please.  I need to pay off the remaining $25K of my student loans.  And I didn’t want to stoop to her level.  You know, karma and stuff.  Then she went on to brag about how she fired our weekend receptionist because she couldn’t print labels.

I think the best strategy when working with cocky, difficult and challenging bosses is just to keep it moving. We are so over worked at this company, no one even has to stand up to the bosses and make a case for themselves.  The level of manipulation here is so painful and obvious but it works.  Enough people are quiet.

I personally think a lot of work environments allow this type of toxic behavior.  Anywhere you have people vying for their own economic interests you’ll have people fighting dirty.

I also got to meet the manager of one of the other departments.  I never met someone so inauthentic.  I didn’t get good vibes. She’s covering while N and I are out of the office and she didn’t seem too thrilled with the task.

Looking at her, I realized I’ll never go up in value in this company.  They don’t value their employees and the people they bring in to manage…just can’t.  I don’t want to be part of a management team that uses threats and manipulation to keep their employees in line.  And as a result, I don’t want to be part of any management team because almost all corporate environments require a cut throat demeanor.

But there are still many people who don’t need to stoop so low or cut down their teams to  feel productive and feel important.  I’ve seen them.

Thats why I vowed to return to being an entrepreneur and help teach others how to be entrepreneurs.  Because at the end of the day no one is going to give it to you,  The only person who can get it is you.  The days of working for a company and being respected and treated with dignity are over.

Please check out my other posts:

  1. My Job is Killing Me….
  2. Never Believe The Propaganda, Create Your Own Purpose
  3. My Favorite Motivational Mantra
  4. Stand Up For Yourself, Even When You Have Everything To Lose

 

 

 

 

Top Lessons I learned In Business & As A Salesperson

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The first “Job” Job I ever had

When I was 21, I started an online distribution company on Amazon.  I was working for this shady distribution company acting as their “Purchasing Manager” for like $15 dollars an hour.  They wanted me to get contacts for brands like MAC cosmetics, designer fragrances, coach bags, and other high end accounts.  My role was to buy at wholesale then ship oversees where the product was scarce and make a huge markup at the other offices.  It was super shady because we were dealing with an international Singapore office and selling goods that were unauthorized by the brands in certain locations.  Basically dealing in a gray market.  Turns out the whole beauty distribution industry is super shady in this regard.  Rather than discount certain goods to the public, companies like MAC cosmetics or Proctor & Gamble will sell to third party distributors old and unsold products, who will then sell it again to online sellers, third party shops and overseas.  So all those Ebay and Amazon stores selling cosmetics and goods are not necessarily fake, but are likely old product that’s been cycled through different distributors.

 I eventually had a contact for MAC cosmetics and decided to be bold and use it for my own use and become an Amazon pro-seller.  The money was just calling me.  I couldn’t help but think if I start selling this stuff people would buy it.  This was my first experience working for myself and being an entrepreneur.   My online store  was for cosmetics and our main item for sale was MAC Cosmetics. You wouldn’t believe how popular MAC is online, we had this wholesaler who would sell it to us. (I swear it was authentic). That was literally the only thing we would sell. I sold 80k worth of it within the first year.

Well I guess we didn’t tip the wholesaler enough because he stiffed us on the product and wouldn’t sell to us any more.

All the other product out there to buy was pretty much garbage and not giving us a high enough profit margin to make the effort.

After that I closed the business but I learned a few good lessons about owning a business:

  1. Never go into business with a friend.
    1. It sounds fun at first but it’sa recipe for disaster. I had worked with her at the distribution company and it was a lot of fun.  I felt guilty for taking the contact and profiting on my own, when my best friend was sitting right next to me.  We had very different approaches to the business though.  She wanted to cash out too early so we were never able to reinvest or grow the company. If our orders were growing, it would have been more worthwhile for the supplier and he would have been less likely to drop us like that. We were unknowingly wasting his time by making him fill our small orders twice a month.
  2. Always tip the people who help you make money
    1. It’s just good karma and it good at relationship building. You won’t believe how good “You’ll scratch my back, I’ll scratch yours” strategy works.  I was so stupid to not give a nice Christmas bonus, like it’s such an obvious thing to do. When when your young and trying to start a business with absolutely no money, every dollar counts, but the dollars you spend on the people who help you be successful are the most important to spend.
  3. Never rely on one source of income or client for your business.
    1. When the MAC supply ran dry so did our business. We never bothered to diversify. We could have done videos on makeup or promoted our own products. But we never got that far.
    2. I’ve also read about other people making this mistake like YouTubers and Insta Influencers using only one platform to make their connections.  This is obviously risky since you are not in charge of the overall platform and if they decide to shut you down because of a “policy violation,” well then you’re SOL.

Lessons I learned From Being A Salesperson

When I stopped doing what the other salespeople were doing that’s when it clicked and I started to do so much more business.  There are 10,000 licensed real estate salespeople in  NYC.  There are only so many rental and sales deals for all those agents.  The reality is that not everyone will be successful in this industry and many are living hand to mouth and deal to deal.

They say 5% of salespeople make 80% of deals. To be the top sales person you need to do things other people aren’t willing to do or are too lazy to do.

In real estate that meant doing a mailing list. Many agents were too preoccupied with finding their next deal, they didn’t think ahead to do long term prospecting like email blasts and promotions.

I also prospected by cold calling leads for exclusives and following up relentlessly. All I needed was to have one door open and then I would snowball that opportunity into other opportunities.

Over time you want to create a snowball effect of success. Promoting yourself and showing off your accomplishments helps you get the confidence and business you need from new customers.  The snowball effect is probably the most important lesson I learned.  The more time you spend on a business, the more it should grow.  It should never be stagnant  unless there is a catastrophic economic collapse or recession.  The issue is that no one teaches you how to start the snowball.  In the beginning, it looks very small and almost useless to keep rolling.  Maybe a piece breaks off here and again there but over time all the cumulative effort you made over the years will be worth something, it will get stronger, and next thing you know you have a giant business! (Snowball!)

Once the snowball is huge, that’s when people notice you and give you more business with little prospecting.

Things that will help you grow your snowball:

  • Mailing lists and email blasts with all the contacts you’ve ever had
  • Cold calls
  • Holiday cards
  • Quality business cards
  • Neat  work space
  • Requesting referrals
  • Gifts at closing
  • Following up with service, doing surveys
  • Having a business plan and marketing plan
  • Being consistent with the above items

I hope you’ve found this post really useful. It was actually a discussion that I first started on Quora but it was so popular there, I decided to expand on the discussion.

Let me know your thoughts and feedback and feel free to follow, share and like.

Other Posts

Thinking About Working For Yourself? Consider These Strengths & Pitfalls!

Work Smarter, Not Harder

Why I Took The Risk And Quit Law School

Work Smarter, Not Harder

Work smarter not harder

I was writing a comment on this article.  The article was about being a type A personality and it inspired me to kind of dig deeper because this guy was writing about how he has like 3 jobs and is a perfectionist and easily works 16-17 hour days. And he was kind of promoting this as a normal thing to aspire for. That he was type A personality, a perfectionist that demanded so much from himself.

I was short and sweet with my comment but was basically like, “You need balance, dude! Work smarter, not harder!”

We live in a work culture that takes advantage of these types of people and pits the work horses against everyone else for the sake of production.  We don’t need to be promoting this type of behavior. Honestly, the writer was essentially sacrificing his relationships and health in the long term for more money short term. And that to me does not seem like a good deal.  I guess he had to think it over, but he eventually commented back that he was only working this hard to build for his future for his finance and cut down his debt and that he agreed that this current workload was not sustainable.

It really did make me think about the type of people I often find in my workplace vs the type of employee I wanted to be.

There are really 3 types of workers:

Lazy workers- Typical worker, makes up a majority of today’s work force. Doesn’t care to improve or grow professionally.  Happy with their slice of pie, only thinking about their salary increases and benefits. Looks at investments and business opportunities as too risky.

Hard workers- Time is money and these people tend to follow paper like it’s the gospel to life. They sacrifice all their personal relationships, free time, hobbies to work. These work horses generally are high earners in their company but leverage their salary for more responsibility and more hours. They are also adverse to risk and are only going to consider investments and business endeavors if it will reap quick money.

Smart workers- leverage their experience and time for more money. Unlike hard workers, who sacrifice time for money in positions that they are easily replaced in, smart workers focus on long term career growth ands specialize in niche areas that will be of great use and high demand. Or they recognize their unique experience to be valuable and come up with a business idea that blows up.

I think the difference between the three workers is really just attitude. The lazy worker is the worst, they are not really able to see beyond themselves and their long term contributions to their work. They don’t have the ambition or drive to give extra and see what it reaps. They often hold the belief that they are hard working enough and that they should get better pay for just being there. They often exhibit bad habits like lateness, lack of detail, lack of effort, a disinterest in the work.

My previous receptionist was this type of worker, I had mentioned her in a previous post. Her issue was that she knew the work but would “pretend” to forget or not know in order to lighten her workload. Over time this worked she had the easiest role in the office, leaving at 6 when me and our manager would often leave at 7. But when my asst. director came in to restructure the office, it became obvious she was the weak link to our production, so she was the first to be cut and the easiest to replace.

My old manager was a hard worker she would make sure all deadlines and reports were complete, it would be so detailed. Everything had to be perfect. Any reports that she did would take hours to compile. Her work was correct but at the end of the day none of the directors had the time to actually review it in depth so it went unnoticed.   She was also a shrew that made sure she had a majority of all the deals so between the deals she had to close and the detailed reports she had to do, she was working 60 hours a week. Yes, she was making more money. But she was also working more hours and putting more effort to make more money. She wasn’t any happier either. For all that money she was making, she wasn’t enjoying it and she eventually pushed herself out of a good job with her self-created discontent.

I think the happiest kind of employment, the one I aspire for, is to be a smarter worker. I think it takes a lot of self awareness to pick which traits are marketable and in demand.  I also think courage to take take that skill and make it a business, especially if no one else has done that before.  And I think it takes a lot of confidence to put a price on those skills and stick to it.

When I was an rental agent , there were other agents charging less than a months rent in commission.  They were undercutting a lot of agents.  Considering you had to pay the brokerage a piece of your deals, taxes, and other business expenses, that basically meant that those brokers had to work on a high volume basis.  They were spinning their wheels, showing apartment after apartment in the summer heat.  They had to be dishonest to keep the leads and clients flowing.

I didn’t have the heart for all that.  I focused on quality and getting the highest commission possible, almost 2 months worth of rent.  I focused on creating value and marketing my skills for getting the best deals for clients so that my commission would pay itself off after the first year.   Well, I wouldn’t say I was the highest earning salesperson but I definitely made just as much as the high volume agents with literally HALF the work.  That was working SMART.  I had people who were so happy with my service, they were referring other clients who would pay FULL commission.  They were referring other clients who would buy properties with me!

I ended up leaving that work environment due to personal reasons, but I never forgot the lesson of what it meant to work smarter.

Now I’m working  a salaried position and I’m constantly trying to find ways to make my time more valuable, be an efficient worker and to do more with less and be more productive.  I’m hoping my company would value that and reward me at bonus season.  I’m also trying to find ways to leverage my other talents and skills, to hopefully something profitable.

There’s no one rule for working smarter but if I had to name one thing that will definitely help you, the #1 way to improve efficiency at work:  STOP DOING WHAT OTHER PEOPLE ARE DOING.  Most people are not smart or even hard workers.  Following the status quo is the recipe for mediocrity.

Share the ways you were able to find better use of your talent and time below, I’d love to hear it.

Feel free to read my other posts:

Playing The Game Of Life And Winning: 5 Approaches To Success

Organize Your Mind: How To Be More Productive With Your Day

My Job is Killing Me….

Status Update: Don’t Over Do It!

Feel free to like, share and follow if you liked this post

How Do People Afford To Live In NYC?

New York

When I graduated high school my biggest desire was to live in the city.  I would google apartment buildings I wanted to live at, look up what it would take for me to live the high life in NYC.  After a little research, I realized that it was a little out of my reach even if I was to be a high flying lawyer or doctor after college.  It was A LOT upfront to live in the city or even to live on your own in the Tri-State area!

Well, I ended up not becoming a high flying lawyer or doctor but rather the lowly rental broker, which I later learned was like a cockroach in the world of real estate sales.  Literally the bottom totem in the hierarchy of professions you could have.  Those stories are for another day but with that experience I learned a lot about how on what it took to live in NYC.  I consider NYC to be the most expensive city to live in within the United States.  Very few cities in the world can truly rival the costs of living in prime Manhattan neighborhoods. Here are the ways I found that people are able to live in NYC:

  1. Rent Stabilized Apartments:
    • There is still a lot of rent stabilized and some rent controlled apartments. These apartments are significantly lower than market rate. There are people paying $2000 and under for 1 and 2 BR apts. those people NEVER LEAVE. They do the best they can with the finishes and condition of the apt, sometimes negotiating with the landlord for some basic upgrades but they NEVER LEAVE. They even treat their stabilized or controlled status as a sort of asset that can be passed down to other relatives who are occupants to the apt. So if you’re paying very low rent, this can definitely help you with cost of living.
    • I had a friend whose family had a rent stabilized apartment in midtown.  I was amazed by it.  It was a full service doorman building with amenities and laundry in building.  His family was paying almost nothing for a 3BR apartment. They had moved into the building when Times Square was still known for it’s seedy nature and risqué activities, before Broadway really made a culture out of it.  I was so enamored with the idea of living in a building like that and here he was so lucky to have his parents rent in a stabilized luxury building paying nearly nothing.
    • Getting a rent stabilized apartment is actually really hard.  NYC landlords will only stabilize their properties if there are major tax incentives for it.  Unfortunately, our local governments have been puling back on these incentives for new developments.  Although for the past two years, stabilized apartments have seen a rent freeze, there has also been the removal of certain programs (421A) that have incentivized landlords to build more rent stabilized units.  So chances are if you don’t already have a rent stabilized apartment, you never will.
  2. Roommates
    • Roommate culture is huge in NYC. Many people survive with roommates cutting the rent in half or more depending on how many roommates. There is such a thing as “Flexing” an apartment so to make an extra room out of the living room. A 600sqft 1BR can potentally be “Flexed” into a 600sqft 2BR with no living room A cheap 2300 1BR split between 2 is only $1150 a month each. To qualify for that portion of the rent you only need to make $46K which is really a starting salary for young professionals in NYC.
    • I’m actually not a huge fan of the whole roommate culture.  I feel like it overcrowds apartments, causes tenement conditions and can be a strain on neighborhood resources.  NYC neighborhoods are only so big and when you have 3 occupants for every 500sqft 1BR, thats going to cause more trash, issues with overcrowded schools, and a gentrification of neighborhoods.
    • Think about it, if previously a neighborhood was not able to command a rent of $3000 for a 1BR but suddenly you see an influx of roommates splitting a 1BR three ways to afford the rent this is going to push the overall rental prices up.  Seniors, long-time locals, and families are going to see their rents sky rocket in a market that is inflated with roommates.
  3. Higher Salaries
    • NYC salaries are huge compared to other parts of the country. And that’s mainly because they account for the higher cost of living. You can be starting at $55K and still struggling if your looking to live in prime NYC neighborhoods. People working on Wall Street with big five figure bonuses are really just making upper middle class. Especially families that choose to stay in the city. Include the cost of childcare and you can easily be living hand to mouth.
    • If you’re not in a rent stabilized apartment you’ll need to make at least 80K to afford a rinky-dinky studio in the upper east side with no amenities or laundry in building.  I mean, think about that.  When I started in real estate, I would rent hole in the wall apartments to analysts!  Not saying I’m proud of it, just saying I did it.  Because literally that was the maximum they could afford and qualify for.
  4. Rich Kids from other parts of the country:
    • They say NYC is the playground for the rich. For some reason all the young rich kids like to live in this city. They have parents who are able to co-sign on their apartments. Mind you, a requirement for a consigning on a apt that costs $2500 is $200K in income. The cost upfront for an apartment can easily exceed 10K. I’ve seen parents give their kids 3K monthly stipends! If only their parents could adopt me!

There’s a variety of factors that make it possible for people to afford city living. I would consider prime (south of 96th st) NYC to be difficult for most people to afford. The cost of living for basic things like groceries and dry cleaning tend to be higher in these neighborhoods.

Good thing there are other reasonable nearby neighborhoods in Brooklyn, Queens, Upper Manhattan, and New Jersey where you can still find reasonable rent but with a short commute.

Thinking About Working For Yourself? Consider These Strengths & Pitfalls!

Thinking about going it alone, quitting your job and starting your own business? Or maybe you’re tired to trying to make ends meet and just want a stable job with benefits? There’s a lot to consider when deciding on what kind of work you want.

Over the past couple of years I’ve worked for myself but recently made the change to work for an employer. Both come with their own share of positives and negatives. I’m a corporate employee by one of the largest real estate company in my area. But personally, I have a preference for being self employed.

You might ask, “Am I Self Employed?” If you work for yourself, own your own business, engage in “Gig” Work or Freelance Work, or an Entrepreneur then yes, you’re self employed.

Pros of Being Self Employed

Not Having A Boss:

Is probably the sweetest part of not being employed by a company. I don’t have to answer to anyone other than my clients. My career is not determined or influenced by one single person. As an independent contractor, I had kiss ass with clients but if a person didn’t like me or respond to me by giving business then it wasn’t the end of the world. Working for a good, caring and mentoring boss is probably the rarest thing in the world. I wouldn’t depend on it. People I could look up to in my industry fell far and few between but working for yourself means you’ll only have to look up to yourself.

Sense of purpose: I knew exactly how I wanted to run my business. I knew I could find a way to make money that would fit my lifestyle and personality. I motivated myself and kept my spirits up during slow periods because at least I was “making money on my terms.” I’m employ

No Red Tape:

I really like not having Red Tape on how to run my businesses or how to do things. Creative solutions are welcomed when you run the show. No rules or regulations. You can go as far as you want to go. Some people feel stressed in that kind of situation. Like, “What do you mean I can do whatever I want and how I want it??” “This is chaos!” Nope, with choices come freedom and innovation.

Flexible work hours: Ok it wasn’t that flexible. I had to work when my clients were available which in real estate meant evenings and weekends. But it wasn’t every weekend and it wasn’t every evening. If it was slow, I worked less. If it was busy, I worked like a dog. I’m in real estate which is a demanding industry. Some other versions of self employment can be more flexible and allow you to work from home like freelance writing, consulting or social media marketing.

Sounds really awesome, right? Why doesn’t everyone just work for themselves. Why would anyone work for “The Man”?

“The Man” pays your taxes and subsidizes your health insurance/benefits:

Did you know that your employer pays your taxes? Specifically part of your social security tax. An employee pays 6.2% and an employer will pay the rest. When you’re self employed you’re paying the whole 12.4% for social security. What about your commuter benefits? Health insurance premiums, what if you had to pay the premiums outright or pay out of pocket? PTO is also pretty nice. Not going to work but getting paid anyway. These are things that we just expect when employed but self employed individuals have to cut into their profits to cover these costs.  The self employment tax is a pretty penny and should be considered when deciding to take the plunge.

You Get Paid No Matter What:

Whether it’s a bad day or a good day, you get a check at the end of your two weeks! I don’t know about you, but I like to get paid. Having to hustle day to day or deal to deal in order to make income can get tiresome. The truth is when you’re self employed your not going to make as much in the beginning as your employed counter parts. There’s no promise you’ll even succeed to make equivalent to what you would have made if you were employed. The beginning of starting your business will likely be slow and you’ll need some sort of cushion to break yourself in.. my first year in real estate I made -$6000. I made negative income!!! The cost of my business was more than my income. I lost money. Then my second year was $36K, then 46k. Now I’m making double that being employed.

When it comes down to it, the type of employment you choose is entirely up to you and is a matter of personal choice.

Check out my other posts Playing The Game Of Life And Winning: 5 Approaches To Success and One Of The Biggest Financial Decisions You’ll Ever Make and Why I Budget and How to Budget: Personal Finance In A Nutshell

The Power Of Positivity

Positivity

I like to consider positivity one of those things you just exude.  We all know that person who caries a cloud over their head, raining on everything and everyone around them and then there’s that person who brings light into every room they enter.  They greet everyone, laugh, remember your name and generally just have a good disposition.  When talking about the future or their current state, it’s all good!  And it’s not an act, these are people who generally believe it.  We also remember what it’s like to be depressed and an all around negative nelly.  But being positive can make you stand out.

There was this girl from law school that I knew.  She was very well liked, smart and…positive!  I never remember her complaining about the workload, the classes or really anything in general.  She worked hard, studied, networked through extracurricular activities. She had that confidence and believed in her work and her reason for being there.  That girl ended up winning.  She graduated among the top of her class and ended up in a great associates position at a major law firm.  I on the other hand was very negative at the time and ended up dropping out later that year. (More on that in another post)

I really didn’t learn the power of positivity until later in life. And it honestly makes a difference!  It changes your life! And best of all it makes you happy!

  1. Gratitude: At any given time we all have problems in our life.  A flat tire, a bad hair day, a lost loved one, a hard day at work.  And it’s so easy to focus on these issues but what about the good things in your life?  What about your family or great partner? What about the fact that you’ve made it to X years in your life? You’re still here enjoying what it means to be human! What about the food on the table, your job, the clothes on your back the God-given gifts life has presented you?  Now imagine you spent as much time feeling this positive about what you have in life vs what’s wrong.
  2. Affirmation: Even if it’s not true say it and make it true.  Last night I was working out with my Husband, he was helping me out with weight training.  He likes to push me.  Meanwhile, I haven’t done a single push up in, like, 8 years.  The phrases I said were, “I can’t,” “it’s too much,” “you’ve lifted more weight than me.”  He kept pushing himself, “come on!” “Let’s go!” After he was done with his set, he’d push himself further, “two more!” Again and again. My point is, believe in the goal and the goal will come.  Reality starts with thought, positive or negative, and that is what the outcome will be.  My husband really believed he could lift the weight, and even when he was tired and pushing himself, he could.  Write down your goals. Say them aloud every day, affirm them.  You’ll be surprised at how easily the ideas come  to you, as well as the willpower to make them happen .
  3. Action: Because positivity is nothing but hope without action.  You can keep saying your mantras, keep having positive thoughts but if you’re not willing to put in the work to make it happen…then I’m sorry to have to be the one to break it to you, it ain’t falling out of the sky and happening for you. You need to ask yourself the hard questions.  What are you willing to do to make this happen? What are you willing to sacrifice. Because all gains in life start with sacrifice and work.

What I’m really saying is that changing your attitude and your perception coupled with action can bring blessings and “luck” into your life.  This isn’t just another motivational blog post.  Give it a try, seriously.   Positive thinking is everything.  Maybe positively can’t change all the problems in the world, but it will definitely change how you feel about them. 🙂  Stay Positive!

Check out my other articles!

The Power Of Change and On Gratitude…. andPlaying The Game Of Life And Winning: 5 Approaches To Success