Tuesday, September 20, 2016
“Ever tried. Ever failed. No matter. Try Again. Fail again. Fail better” by Samuel Beckett is a great way to explain why you should start over. Making a change is grueling and does not happen overnight. If you want to make a change in your life, you have to first change your thinking. Thoughts become feelings, feelings become words and words become actions. You may have to relocate, change your job, change your friends, change your diet or change every aspect of your life.
Change is scary but that is a part of life and growing. As a baby, you totally depended on your parents to carry you around because you could not walk. You began crawling then taking steps to walk. Babies are overcome with fear, once the overcome their fear they began walking, then running, then talking then talking and running all over the place.
Henry Ford went broke five times before he started Ford Motor Company. R.H Macy failed seven times before opening his Macy’s store in New York City. Colonel Sanders (Harland David Sanders) of Kentucky Fried Chicken recipe was rejected 1,009 times before a restaurant accepted it. Thomas Edison made 1,000 unsuccessful attempts at inventing the light bulb.
Making a change takes time and effort. After failure comes success but may require that, you fail multiple times before you become successful. Being successful is hard work. Anything worth achieving is worth working hard for. The difference between being a failure and being a success is your attitude. If you choose to remain a failure, you will. If you choose to see the failure as a lesson and do not repeat the same mistake you will become a success. Failure is the seed of success. Failure helps birth success as evidenced by successful people in the world today. Failure is a great lesson; it shows you what did not work and what you need to be do better next time. Failure helps you to develop a plan B, C, D or even E.
Failure happens so expect it but do not dwell on it. I have been a failure several times in my life, in my career, relationships, and with money. I went to college and got my first credit card at age 17. By the time I graduated college I had 13 credit cards and racked up $19,000 in debt, one was a gas card and I did not even have a car or a driver’s license. When I got my first job, I was only making $21,000 a year. I failed at using a credit card and continued to fail for 4 years. When I lost my job and realized that I was unable to pay my bills, the light bulb came on and I knew I could not continue to fail at using credit. I made a decision to get myself out of debt and never get into debt again and I did. The only debt I have is my mortgage. Here are five ways to start your life over again and win.
Never Say Never
We do not know what the future holds so do not assume that your current state in any aspect of your life will remain that way, plan for the unexpected.
Be a Winner
Decide you will be a winner and take steps to overcome your situation. Let go of your pride and ego. Humble yourself. Ignore advice from those who are not successful.
Be a role model for your children, family and future generations to show them that failure is not a permanent option; it is merely one stop in the path of life.
Change Is Good
Sometimes change helps us to refocus on what is important so do not reject change - embrace it.
Change your outlook on life. Eliminate negative behaviors, thoughts and people from your life. Read inspirational articles or self-help books such as “The Secret” by Rhonda Byrne, “Think and Grow Rich” by Napoleon Hill or The Law of Attraction by Jerry and Esther Hicks.
Friday, September 16, 2016
Everyone can use financial or money management advice including actors. Actors and other creative professionals are subject to variable incomes and schedules so it is difficult to track spending, and set and achieve financial goals. However, there are several practical tips that actors can utilize to help them get on track with their finances.
Use technology to make automatic contributions to a savings and retirement account. Use smart phones app or mobile apps to create a budget and track spending, set financial goals, set alerts and reminders when bills are due and set alerts on back account balances.
Use Social Media to Find Work
The Internet is an important tool for aspirant actors to get work. You can harness the power of internet in two ways. You can either create your own website or join some social networks to seek work. While creating a website is quite cheap, yet an expense is an expense. Joining social networks will instantly connect you with thousands of others who may be looking for fresh faces.
Use the Services of a Good Financial Consultant
Though hiring a financial consultant can be a bit expensive, he can help you in arranging your finances and giving you valuable advice about savings and investments. He will also help you in preparing your tax returns in a way, which will help you in saving taxes.
Get Rid Of Old Gadgets
Many of us keep old cell phones or other gadgets in drawers without using them. Instead of dumping them, you can sell them on e-bay and earn some extra cash.
Use a Pre-Paid Mobile Service
If you face huge telephone bills due to your habit of being a chatterbox, you can switch to a prepaid service. This will automatically inculcate self-discipline in you. Make sure that you never load you cell phone with excess balance or this strategy will backfire, as prepaid tariff are usually higher than postpaid ones. Moreover, keep only one phone with you. If you keep two cell phones or a home phone, disown it immediately.
Get Rid Of Your Cable
If you are not a heave user of internet, you should opt for a cheap internet connection. This will shave off a few dollars each month from your bill. Better still, get totally rid of your internet connection and instead use Starbucks or some other restaurant, which offers free Wi-Fi. Also, consider ditching cable TV or watch TV shows and movies on internet streaming services such as Netflix, Hulu or Amazon.
Socialize At Home
Instead of frequently going out with your pals, try organizing meet ups at home. You can spend time on your PlayStation, rent a movie, or simply conduct an acting session. This will save you money, which you would have otherwise spent on Cinema, eating out, pubs, etc.
Exchange and Share
If you have something, which is of no use to you, you can exchange it with someone who needs it and get something from him in return. This will not only save you money but also clear clutter from your house. There are barter networks across the country, join one to save money on new or used items.
Don't Go For Brand New
When you have to purchase something, say a book, do not rush into the store to purchase a brand new copy. Instead, look for second hand copies of the book, which you can get at a bargain price. Later, when you are finished with the book you can re-sell it and recoup all your money.
Look To Save Small Amounts Everyday
Analyze your day-to-day expense and try to find out how you can save few dollars by slightly modifying your lifestyle. If you facing severe cash crunch, restrict frivolous expenses such as going to pub, cinema, etc. Always decide on your shopping list before going into the supermarket to avoid unnecessary expenditure. Do not look to save very large amount of money. Instead, find ways to cut back some expenditure from your day-to-day activities. If you do this regularly, and make saving a habit, you can create a sizable fund for yourself, which you can use in case of an emergency.
Monday, September 12, 2016
In 2006 Congress passed legislation under the Warning Alert and Response Network Act (WARN) allowing the Federal government access to private cell phones to issue emergency warnings and alerts which resulted in the Personal Localized Alerting Network (PLAN).
PLAN allows authorized national, state or local government officials to send alerts via cell phone providers regarding public safety emergencies, such as a tornado or a terrorist threat. Cell phone providers push the alerts from cell towers to cell phones in the affected area. This technology ensures that emergency alerts do not get stuck in highly congested user areas.
PLAN enables government officials to target emergency alerts to specific geographic areas through cell towers which pushes the information to dedicated receivers in PLAN enabled cell phones. PLAN complements the existing Emergency Alert System implemented by the FCC and FEMA via media service providers.
Customers can opt out of the service but will still receive Presidential alerts even if their GPS locator is turned off. The PLAN technology will allow the messages to take precedence over regular phone calls or text messages so the alerts can get through. Messages will show up on the phone’s front screen, and arrive with a distinct ringtone or vibration. Three types of messages are included in PLAN: level 1 - messages from the President, level 2 - looming threats to safety, and level 3 - amber alerts about missing or abducted children.
During a natural disaster cell phone networks quickly get jammed and subscribers are unable to make phone calls. This happened recently with the earthquake that struck the east coast. During a disaster many people rely on cell phones or the internet. If your power is out your only other option is your cell phone. Government agencies are urging subscribers to send text messages instead of making phone calls during a natural disaster.
Using social media and text messages cannot replace voice communications and does not address the cell phone network load problems. If everyone is sending text messages that causes another increase in load and can cause delays in sending and receiving text messages. For people who don’t use social media or cell phones or people who live in rural areas where cell phone coverage is not available there is no way other for them to communicate.
If cell phone companies can provide their executives with million dollar salaries, bonus and perks each year, saved money by transferring their customer services departments to India and other countries, decreased their level of customer service, and made some staff reductions, why can’t they spend more money to upgrade their networks to provide better service to subscribers and handle increased loads during a natural disaster. Here are six tips to prepare for phone interruptions during a natural disaster:
Create a disaster plan and test it periodically.
Do not wait
Do not wait until the last minute to take action. Prepare in advance and stay calm. Execute your disaster plan to minimize further damages and safety issues.
Develop a communication plan to contact friends, family, and test periodically.
If you live areas that experience frequent natural disasters, consider purchasing or renting a satellite phone, which connects to satellites in space. They provide functionality similar to cell phones such as voice, paging alerts, messaging service and internet access. Coverage can include the world or specific regions. Prices ranges from $200 to $5,000 for the phone plus talk time ranging from $0.15 to $2.00 per minute.
Use emergency communication smartphone applications such as Life360, Guardly, Emergency Distresss Beacon and Quake SOS to connect to family and friends or emergency service providers to identify your location and confirm your safety.
Sign up to receive emergency alerts with your city or state government, local school or university, utility company or weather service. You can also sign up for the Emergency Email and Wireless Network to receive alerts from local, state and federal government agencies.