5 Ways You’re Making Your Boss Angry

5 Ways You’re Making Your Boss Angry

Angry boss making fist

Angry boss | iStock.com

Having a good, or at least civil, relationship with your boss, is often critical to job success. If you have a horrible boss, there are ways you can make the situation better. On the other hand, you may think that you have a good relationship with your boss, and you also may like your boss as a person. However, you also might be doing things that are regularly making your boss angry.

Sometimes we know that we are not performing our best, and other times we don’t realize we are letting anyone down. There might be things that are regularly part of your routine that you don’t even consider as an issue; these infractions might not seem so small to your boss. It’s important to understand what your boss wants from you, and how you may be letting him or her down. Here are five ways you may be making your boss angry.


1. Socializing too much

It’s great if you get along with your boss or your co-workers (preferably both), but don’t mistake a good rapport with your superior as an excuse to spend too much time socializing. While some bosses might enjoy being asked about their hobbies, talking about the weather, or engaging in general chatting, many won’t, or they’ll will prefer the exchange stays brief. Also, there’s a good chance your boss will get angry if you spend too much time socializing with your co-workers. Office gossiping, or even simple conversations about things outside of work-related projects, can waste valuable time and also make some people uncomfortable.

2. Incorrectly using technology

A participant sits with a laptop computer at a hacker conference - Sean Gallup/Getty Images

A man using a computer | Sean Gallup/Getty Images

Work email shouldn’t be used for sending private emails; there are too many opportunities for the wrong person to see them. Also, your boss won’t appreciate if you are using work time to send private emails. You also risk a very angry boss if you accidentally send something inappropriate to the wrong person, or if you badmouth your boss; you may even get fired.

Many company networks have firewalls and some sites might be blocked, but don’t assume that you can use social media even if the sites still work. At best, you risk annoying your boss and co-workers, but at worst you may really piss off your boss by wasting company time or saying  or otherwise off something inappropriate (think: sexist, racist,ensive).

3. Showing up late

man sleeping next to a ticking alarm clock

Employee running late | iStock.com

Regularly showing up late to work is disrespectful and wastes company time. Many companies have relaxed schedules, but be sure to check with your boss before assuming that you can come in when you want to. Even if you are only showing up five or ten minutes late, and your boss hasn’t said anything, there’s a good chance he’s noticed. If you repeatedly show up late, you risk making your boss really angry, or worse.

The same is true about meetings: when you’re regularly late for meetings, other people are negatively affected. Your co-workers may feel that you are entitled; they also might start to copy your behavior or lose respect for your boss or manager. These feelings can all affect employee morale and customer service, and if these things are affected, your boss will definitely get angry.

4. Slacking on assignments

man sleeping on office desk

Slacking employee | iStock.com

Wasting time or showing up late are bad enough, but if you are failing to do your best work when you actually are working, then your boss is sure to get mad. Perhaps you are handing in projects late because you are not prioritizing correctly, you’re turning in subpar work, or you’re relying on your co-workers to pick up your slack. If practiced often enough, these habits will certainly be detrimental to your relationship with your boss, and potentially, your ability to keep your job or move into a new one. Your boss will expect you to complete your own job duties, and do your best work every time.

5. Being disrespectful

The Office, Dwight

You shouldn’t make fun of your boss too much | NBC

You don’t have to use social media to be disrespectful at work. While posting something on Facebook about how much you hate your boss is guaranteed to make her mad, and showing up late will also piss her off, you can show disrespect in many other ways as well. Regularly questioning your boss in front of your co-workers, ignoring his requests, or making fun of him are all offensive ways to behave at work.

Bullying co-workers is also a disrespectful choice, and so is physically trashing your workspace or your office. There are so many ways to be disrespectful at work. You want to avoid all of them. If you are truly unaware how your behavior comes across, you can always ask, and then take a step forward toward better behavior.

How to Look for a New Job While You Still Have Your Old One

How to Look for a New Job While You Still Have Your Old One

Dwight Schrute working at Staples

Dwight Schrute working at Staples instead of Dunder Mifflin on The Office | NBC

A promotion and raise are years away in your current job, and you’ve decided to speed up that process by looking for a role in a new company. Or perhaps you can’t take any more of your toxic co-worker or unpredictable boss, and you’re finally heading for the door. If you’re like most people, you’re continuing to work while you start your job search, since a few months without a steady income is a no-go.

In fact, starting a job search while you still have your current gig is a smart choice, if you go about it the right way. “Companies want to hire the best of the best and [those people] are usually employed,” Sara Menke, the founder and chief executive of Premier, a boutique staffing firm in San Francisco, told Forbes. What’s more, continuing in your current job gives you more bargaining power. You won’t give off an air of desperation, and you’ll be able to use your existing role to your advantage. On the flip side, quitting before you have another job lined up can be a red flag to potential employers.

“If you don’t currently have a job, it raises a lot of questions and puts you in a defensive position, and you won’t be coming at them from a position of strength,” Andy Teach, a corporate veteran and author of From Graduation to Corporation: The Practical Guide to Climbing the Corporate Ladder One Rung at a Time, told Forbes.

Job hopping is now an acceptable way to climb the career ladder, and plenty of people are on the job search while they’re still reporting for their original 9-to-5. The only trick is make sure you’re doing so while remaining professional and not giving yourself away before you planned to. Here are the rules for job searching on the job.

Reality Check: What Does Retirement Mean to You?

Reality Check: What Does Retirement Mean to You?

Source: iStock

Source: iStock

The cliche retirement picture paints a graying couple sitting on a beach somewhere without a care in the world. In the reclined position, she’s pondering what novel to read next, while he’s deciding whether to look at his new gold watch again. The drinks are always cold and there isn’t a boss in sight. The only problem: this retirement is located in fantasy land.

A retirement without some kind of employment is becoming a thing of the past. According to a new report from Transamerica Center for Retirement Studies (TCRS), 20% of all workers expect to continue working as long as possible in their current or similar position until they can’t work any longer, and 41% envision transitioning into retirement by reducing their hours or by working in a different capacity that is less demanding. Only one in five workers plan to immediately stop working and fully retire when they reach a certain age or savings goal.

“Today’s workers recognize they need to save and self-fund a greater portion of their retirement income. In response, they are transforming the United States retirement system from a three-legged stool into a table by creating a fourth leg: working,” said Catherine Collinson, president of TCRS, in a press statement. “The long-held view that retirement is a moment in time when people reach a certain age, immediately stop working, fully retire, and begin pursuing their dreams is more myth than reality. Retirement has become a transition that may be phased over time or happen abruptly due to intervening circumstances.”

Reality Check: What Does Retirement Mean to You?

Expectations differ across age ranges, but the majority of workers are placing paradise on hold indefinitely. The report finds that 61% of workers in their 40s plan to work past age 65, with 59% of workers in their 50s saying the same. However, even these numbers appear to be optimistic as 82% of workers already in their 60s plan to work past age 65 or do not plan to retire. In contrast, half of workers in their 20s and 30s expect to retire at age 65 or sooner.Despite the bleak outlook, retirement dreams are alive and well. American workers of all ages most frequently cite travel as their greatest retirement dream (42%), followed by spending more time with loved ones (21%) and pursing hobbies (15%). Continuing work in a current field (5%) and doing volunteer work (4%) are a distant fourth and fifth, respectively.

Your own retirement dream is ultimately your responsibility. “It is never too soon or too late to save, invest and plan for retirement. By taking proactive steps today, workers of all ages can improve their retirement outlook,” said Collinson. “By extending our working lives and fully retiring at an older age, we can earn income, bridge savings shortfalls and stay active and involved. It’s also important to remember that life’s unforeseen circumstances, such as health issues or job loss, can derail the best laid plans. Everyone needs a Plan B for the unexpected.”

How Not to Spend Your Retirement Money Like a NFL Player

Tom Szczerbowski/Getty Images

Tom Szczerbowski/Getty Images

Nobody spends their paycheck quite like a professional athlete. Blessed with talent, opportunity, and multi-million-dollar contracts, pros can live the good life at an extraordinary young age. Spectators may feel envy, but important money lessons can be learned from these pros, especially when it comes to spending habits and retirement planning.

Four researchers recently conducted a study to test one of the central predictions of the life cycle hypothesis that individuals smooth consumption over their economic life cycle, meaning people save when income is high to compensate for when income is likely to be low, such as in retirement. In order to focus on an extreme example, the researchers decided to study players in the National Football League (NFL) — whose income typically spikes for only a few years. Data was collected on all players drafted by NFL teams from 1996 to 2003. The results are sobering.

Mansions, luxury cars, and a posse big enough to fill a stretch Hummer with its own wet bar all come at a cost. Despite a median level of earnings totaling about $3.2 million, one in six players (15.7%) had filed for bankruptcy by the 12th year of retirement. Some bankruptcies even occurred by the second year of retirement. Adding insult to injury, a longer playing career or higher career earnings did little to lower the bankruptcy rate.

“Our findings are different from what the life-cycle model predicts,” said Kyle Carlson, Joshua Kim, Annamaria Lusardi, and Colin F. Camerer, in a working paper published by the National Bureau of Economics. “First, players declare bankruptcy relatively soon after retirement. After only two years post-retirement many players have gone into bankruptcy. Second, annual bankruptcy (‘hazard’) rates are not affected by a player’s total earnings or career length. Having played for a long time and having been a successful and well-paid player does not provide much protection against the risk of going bankrupt.”

The researchers believe NFL players may not save enough during their primetime years because of optimism about career length, poor financial decisions, or social pressures to spend. This makes sense considering that higher earnings fail to significantly lower bankruptcy risk, and that the median length of a player’s NFL career was only six years in the study. It’s also a valuable lesson on how much money you actually keep is more important than how much you make.

Entering retirement with a low net worth is like celebrating before reaching the end zone — you’re asking for trouble. You can avoid spending your money like a pro athlete by recognizing the difference between wants and needs well before retirement age. You may want a shiny new car, which now costs an average of $33,560, but you only truly need reliable transportation. You may want a McMansion that’s suitable for a magazine cover, but you only truly need shelter in a safe location.

To take that philosophy one step further, calculate how much your so-called want will cost you in labor hours and see if you still want it. For example, a worker making $25 per hour would need to work about 1,342 hours to afford that shiny new car, not including other expenses like payroll taxes, sales taxes, and property taxes. In comparison, a reliable used car costing $10,000 would only cost 400 hours in the same scenario. This is just one example, but it can be applied to anything you buy. More importantly, it forces you to reconsider your purchases and may even help you avoid spending money on things you can’t truly afford.

The Retirement Crisis: Statistics Everyone Should See

Source: TCRS

Source: TCRS

The retirement crisis in America does not discriminate against consumers based on age; it’s an equal opportunity punisher seeking out anyone not properly handling their personal finances. We may hear one generation is more doomed than the other to spend their so-called golden years in a perpetual state of poverty, but truth be told, every age group in America has its fair share of retirement problems.

Who wants to be a millionaire? A new report from Transamerica Center for Retirement Studies (TCRS) finds that workers of all ages think they will need to accumulate a median of $1 million to live comfortably in retirement, presenting a wall of worry to savers. While this figure is merely guesswork by many of the respondents, there is a legitimate foundation of concern when taking a closer inspection at how workers are building their nest eggs. Let’s take a look at how five age brackets are handling retirement planning these days.


Young workers may not be as helpless as previously thought. Impressively, 67% of twenty-somethings are already saving for retirement through an employer-sponsored retirement plan or outside of work, and they started saving at a median age of only 22. In fact, 68% expect these accounts to serve as their primary source of income.

However, this demographic faces financial challenges not commonly seen in other age groups. Four out of five of twenty-somethings are concerned Social Security will not be available by the time they retire. Furthermore, 34% say paying off student loans or credit cards is their greatest financial priority right now. Making matters worse, the aftermath of the Great Recession still haunts retirement portfolios. Nearly a quarter of twenty-somethings who are saving for retirement are invested mostly in bonds, money market funds, cash, and other risk adverse investments. Due to inflation, being too conservative with money is a real threat to retirement aspirations.

Savings, piggy bank

Source: iStock


With the Great Recession in the rear-view mirror, 43% of thirty-somethings say they have either fully recovered or were not impacted by the worst financial downturn since the Great Depression. Nearly eight out of 10 are saving for retirement, and started placing money aside for their future self at a median age of 25. Three out of 10 who participate in a retirement plan are saving at least 10% of their annual pay.

This group may be feeling too confident, though. The report finds that 52% of thirty-somethings believe they are building a large enough retirement nest egg, but 57% have only “guessed” how much they will truly need in retirement, and 68% agree they don’t know as much as they should about retirement investing.

“Thirty-something workers are now well into their careers, albeit with the major disruption of the Great Recession. The good news is many are saving for retirement,” said Catherine Collinson, president of TCRS, in a press statement. “For those who are not yet saving, now is the time for them to get started. For those who are saving, now is the time to save even more and expand their efforts to include building knowledge and planning.”

Source: Thinkstock

Source: Thinkstock


Retirement outcomes are now a reality. More than half of respondents still plan to continue working after they retire, mostly to collect income and health benefits. Four in 10 sixty-somethings are envisioning a phased transition into retirement that involves shifting from full-time to part-time or working in a different capacity. “Workers in their sixties and older have cast aside long-held societal notions about fully retiring at age 65. They are literally transforming retirement as they retire,” said Collinson.

Even at this stage, only 15% of respondents have a written retirement strategy. This may be caused by the large role Social Security plays. Almost half of sixty-somethings expect Social Security to be their primary source of income when they retire. However, a lack of financial knowledge and planning may still hinder the retirement experience. Just 29% of respondents claim to know a “great deal” about Social Security retirement benefits. Overall, the median amount saved in all household retirement accounts by sixty-somethings is $172,000.

The 13 Biggest Regrets People Have About Retirement

About Schmidt, Jack Nicholson

Jack Nicholson contemplating his newfound retirement in About Schmidt | New Line Cinema

When was the last time you got a do-over? Maybe you took a mulligan in your last game of golf, or you had the chance to revamp a project at work for better results. Unfortunately, financial mulligans are few and far between, and are almost nonexistent when it comes to retirement. When the topic of life after a 9-to-5 comes up, most people immediately think of their slim savings for retirement. While we should probably all be saving more for our golden years, money isn’t the only thing to plan for to have an enjoyable retirement.

The average American is feeling more confident about their ability to afford a comfortable retirement, according to the Employee Benefit Research Institute’s 2016 Retirement Confidence Survey. However, only 21% of respondents were “very confident” their savings would be enough to cover their expenses after they left the workforce for the golf course. Growing confidence is great, especially after record lows during the Great Recession. But that doesn’t change the fact that the luster of the so-called golden years fades quickly when retirement isn’t quite as rosy as it was portrayed to be.

While retirement is supposed to be a relaxing reward after decades of work, it can only become that if you put in some planning ahead of time. Many retirees and experts warn against these seven retirement regrets, and most stem from not having a specific plan for what your retirement will be like. No matter how far away that retirement date seems, it pays to be thinking about these things now.

The 13 Biggest Regrets People Have About Retirement


1. Not saving enough money

retirement plan documents with coffee

Do you have enough money for retirement? | iStock.com/c-George

It’s likely the most obvious factor, but also the most vital. If you haven’t saved enough money for retirement, everything else becomes much more difficult. It used to be that saving $1 million was a benchmark for a comfortable post-work life, but most experts will say that might not be enough anymore. However, it’s also true that many people enjoy their lives while saving less than that figure. The truth is, only you can determine how much you’ll need to save for your own retirement.

To do that, however, you do need to know the facts and have a plan to face them. For instance, you’ll need to save much more than you have in the past for health care costs, which are only likely to increase in future years. By some estimates, most retirees will need at least $220,000 to cover medical expenses if they retire at age 65. You might lead a relatively healthy lifestyle, but that can change much faster as you get older.

Saving for the unexpected takes many forms, and isn’t just related to medical care. As in all of life, retirement savings should also include a healthy emergency savings fund to cover any type of financial pitfall. “A well-constructed plan, whether with advice of a professional or not, needs to account for success, as well as challenges and failures,” Tash Elwyn, president of Raymond James & Associates, told USA Today.

2. Leaving the workforce too early

Jack Nicholson in About Schmidt

Jack Nicholson in About Schmidt | New Line Cinema

Once you pull the trigger on leaving your job, it’s hard to make a comeback. Retirement might seem like a rite of passage once you hit a certain age, but there’s nothing guaranteed about your income if you haven’t made a plan for it. “Of those who retire voluntarily, many do so with no real understanding of how much it will cost to live in retirement or when or how the retirement money will come,” Thomas Murphy, a certified financial planner at Murphy & Sylvest in Dallas, told CNBC.

Of those who left the workforce and tried to return after realizing they needed to continue working, many encountered a problem finding a job that offered an adequate salary or benefits, CNBC reports, and many dealt with hiring managers who were concerned about their age.

Unfortunately, even those who do stay in the workforce are at a disadvantage. According to Teresa Ghilarducci of the Schwartz Center for Economic Policy Analysis, older workers are often overlooked for promotions and on-the-job training, and begin to experience a decline in pay between the ages of 55 and 59 regardless of their education level. “Working longer is a retirement plan like winning the lottery or dying earlier is a retirement plan. Being able to work longer is not a plan. It’s a hope,” she told Slate.

Continuing to work isn’t just a financial decision, however. Many retirees say they keep a job in some capacity to keep their minds sharp, remain physically active, and maintain a sense of purpose.

3. Not having a plan for your free time

Close up shot of senior couple holding hand

Retirees | iStock.com/Jacob Ammentorp Lund

In a short ebook for Amazon, author Alex Potrero writes that he lost his identity when he retired from a fast-based career as an executive in the federal government. “The biggest mistake I made when I retired was that I did not really know what I would do with all my time after I was, in fact, retired,” he wrote. “I had grown accustomed to routine of a full-time job and when I retired I did not have a routine in place to adequately replace it.”

Many people still at work dream of a retirement that includes sleeping in, reading a book, and spending more time at the beach. However, those activities will quickly become unfulfilling if they’re not supplemented with a social life and a sense of purpose. “You need a reason to get out of bed every morning, get dressed and go do something,” Murphy told CNBC.

Murphy notes that many people, men in particular, lose many of their social connections after retirement, because many of their friends are at work. Before you retire, take steps to solidify those relationships outside of work, or make the time to forge new relationships before you pull the plug on your career. It can also be beneficial to start a new hobby or two before you retire, or begin a volunteer opportunity.

4. Not planning for your retirement goals

Senior man sits fishing in a lake

Senior man sits fishing in a lake | iStock.com/monkeybusinessimages

Travel is often a key factor in many people’s retirement plans. However, getting the timing right is essential. All too often, people put off travel plans for later, only to realize health or other factors prevent them from enjoying it.

“I’ve had dozens of clients that put off traveling, waiting until ‘the time was right’ only to let illness and other life issues prevent them from embarking on all the trips they put off for years,” said Jeff Rose, a certified financial planer at Alliance Wealth Management in Carbondale, Illinois.

As long as you’ve budgeted for that travel in the first place, and have a plan for responsibly spending your money, there’s no need to delay your retirement goals. “There are two times in retirement: when you are healthy and when you are not,” Murphy said. “Plan accordingly. Travel and see whatever your heart desires. Plan to do so in the first five years of retirement. If you are healthy enough to travel after that, consider yourself lucky.”

5. Not adjusting to the required lifestyle

A happy senior couple sitting on the front of a sail

Retirement success means living within your means | iStock.com/Spotmatik

While taking that long-desired trip to Alaska is great, purchasing a yacht and staying in five-star hotels for the rest of your days isn’t always advised — even if your previous career afforded you those luxuries in the past. When the paychecks stop, you automatically begin to live a life on a fixed income. Period.

While retirement affords you many luxuries like extra free time, it sometimes also requires scaling back — whether it’s in terms of possessions or spending. This can be especially difficult for people who enjoyed incredibly successful careers, and aren’t used to adjusting their lifestyles for a smaller income.

“Naturally, they envision a life in retirement that is just as lavish as when they were employed — business trips that include five-star hotels — whereas, in the real life of retirement, to fit their financial resources, retirement may require that they change their standards and change expectations,” Elywn told CNBC. “That adjustment can oftentimes be challenging for successful business people.”

6. Drawing Social Security too early

Social Security Benefits Application Form with pen and glasses

Social Security benefits application form | iStock.com/photojournalis

To reap the most rewards from your retirement, it’s important to become knowledgeable about your post-work benefits. That could include knowing how your pension works, calculating your expected income from investments, and learning how you’ll be covered through Medicare. Most notably, however, this retirement education should include knowing when it’s best to start drawing from your Social Security account.

Depending on Social Security for all of your retirement costs can be disastrous, and you might reap more money if you delay your withdrawals. “A lot of people have the perception that Social Security would take care of them,” Clarence Kehoe, executive partner in accounting firm Anchin, Block & Anchin, told USA Today. Originally, that was supposed to supplement one-third of your retirement income, along with personal savings and pensions (which are largely nonexistent today.) In other words, it was never supposed to be the full funding for your golden years.

If you’re in poor health or run into financial obstacles, you might need to start relying on Social Security as soon as you’re able. But if you can hold off, the reward can be significant. “From my perspective, most people are better served waiting until closer to 70 to activate Social Security benefits. The difference in payout even from age 68 to 70 is often as much as $1,000 per month,” Jason Flurry, a certified financial planner at Legacy Partners Financial Group in Woodstock, Georgia, told CNBC.

As with all financial planning, your situation will be unique. The Social Security Administration offers several tips to help you decide when you should begin withdrawing Social Security benefits.

7. Not retiring earlier

Senior couple mountain biking

Senior couple mountain biking | iStock.com/monkeybusinessimages

Yes, most logical wisdom says that retiring as late as possible can be a financial benefit. However, some retirees who carefully made a plan for their golden years say their only regret is not retiring earlier. According to Time, half of retirees between the ages of 62 and 70 with at least $100,000 in assets wish they had retired earlier.

“As people age, they realize that during the time right before they retired they still had as much energy” as they did in the years during their career, David Cruz, a senior managing director at New York Life, told Time. As that energy wanes, retirees sometimes regret wasting that potential time off when they could have been spending it with family, traveling, or fulfilling other retirement goals in full health.

Bottom Line Inc. reports that many retirees naturally spend less during their retirement than they did in previous years. Those dollars saved could have translated into an earlier retirement age without even realizing it. As long as your health care costs are accounted for, most older Americans spend less on goods and services as they age, which could allow you to enjoy a great number of years in healthy retirement.

8. Not downsizing earlier

People visiting a yard sale at a home

People visiting a yard sale | iStock.com/csfotoimages

Many retirees eventually move into a smaller home, begin passing along mementos to family members, or sell off the possessions they no longer need. After doing so, many say they wish they had decluttered their lives earlier.

“It’s so liberating being free of all that extraneous stuff,” one retiree told Bottom Line Inc. “I just wish I’d done it when I was 50 instead of 70…well, actually, I wish I never would have bought most of that stuff in the first place.”

Unburdening themselves from oversized homes or mountains of unused items gives retirees the added benefit of putting those funds toward their retirement savings. A few thousand dollars wouldn’t be a game changer, but could free up the budget for travel or other hobbies in retirement.

The only caution here is to hold on to financial documents or files related to a past profession, like a doctor or dentist. Kiplinger suggests some of those are required by law, while others (like past tax filings or documents from a home improvement project) can be necessary years later.

9. Making a rash moving decision

Grandparents With Children

Grandparents moving to be near family | iStock.com/omgimages

Deciding where to live out your golden years can be a tough decision, especially if your family is spread out. You might pick up and move to be near your children and grandchildren, only to be disappointed when it’s not the Norman Rockwell painting you had imagined. On the flip side, you might regret those lost years if you decide against moving, only to find it’s too late to relocate when your health declines.

No matter what, many grandparents told The New York Times it was important to evaluate their own social connections, before moving and relying completely on their family to fill that gap. Evaluating your relationships with your adult children, and establishing healthy boundaries if you do move closer, are vital.

If you’re instead choosing to move to a warmer clime in retirement, Kiplinger suggests taking smaller steps before selling your home and possessions to move to Sarasota. The company suggests taking extended vacations before retirement to make sure you like the environment, the people, and the new location before fully committing. Otherwise, you might end up like the ranks of retirees who move, only to relocate again when the retirement destination didn’t satisfy.

10. Depending too much on debt in peak earning years

credit cards

Credit cards | iStock.com

The decade or so before retirement can be a crucial time to save. The government allows for more aggressive saving in your retirement accounts, and you’re likely earning the largest paychecks of your career. However, those golden opportunities will be squandered if you’re living above your means before retirement, or living on borrowed cash through credit.

Paying off credit cards or other forms of debt can be a debilitating task, and often happens at the expense of your savings accounts. Living on borrowed money in your pre-retirement years means you’ll have much less to live on when you do decide to leave the workforce.

“People go out and live on credit cards,” Kehoe told USA Today. “It’s a terrible way to spend and live.” While that’s common sense, it often goes ignored. Plus, the habit of living above your means won’t be any easier to break once you’re retired. However, a fixed income will make it even more difficult to pay off those excessive tabs you put on plastic.


5 Ways Baby Boomers Had Big Advantages Over Millennials

veryone’s trying to get to the bottom of the millennial generation, and their follow-up, Generation Z. By dissecting lifestyle choices, buying habits, and media consumption, baby boomers and Gen Xers have been trying to put their collective fingers on the pulse of America’s younger demographics. But it’s difficult – millennials just don’t seem to want to fall in line. They don’t want to get married, buy cars or houses, or have children. It’s been a big topic of discussion in Boomer circles, but ask any millennial, and it’s pretty easy to figure out.

Millennials are under a lot more pressure, at least financially speaking, than previous generations. This is made very clear in a new study put together by Job Application Center, titled “Millennial Math.” By looking at cost comparisons across four generations – the greatest generation, baby boomers, Generation X, and millennials – the accompanying infographics display the exponential growth in costs (adjusted for inflation) that millennials are having to deal with that their forerunners didn’t.

Here’s how Job Application Center set up their criteria: “We considered four generations – the Greatest Generation (born 1901–1945), Baby Boomers (born 1946–1964), Generation X (born 1965–1985), and Millennials (born 1978–1990). Generations’ birthdates often are loosely defined and even controversial, but we assigned each generation a precise birthdate window for research purposes.”

And in conclusion, the study doesn’t offer much in the way of rainbows and sunshine. “For better or for worse, life has certainly changed from the early 20th century to now. Costs of everything from houses to groceries have soared, and many people are making difficult decisions about their futures based on finances.”

We pulled some of the most eye-opening statistics from Job Application Center’s “Millennial Math” graphic, and dig into them below:

1. Tuition is up 150%

Student loan application

A student loan application | iStock

On average, millennials pay 150% more in tuition than baby boomers. This has really been the one central factor that has led to struggles for many younger people, as just getting an education is now vastly more expensive than it was for previous generations. 150% may seem low – and in many cases, it is. Many schools have raised tuition by much more than that, and it’s also a bit of a misleading number in that tuition isn’t the only thing college students are paying more for. Books, room and board, food, and a myriad of other factors have made a college education completely unaffordable for many.


2. The barriers to entry are higher

Resume-building materials

Resume-building materials | Justin Sullivan/Getty Images

Leapfrogging from tuition and higher education expenses right into this: more jobs these days require a college degree to even apply. This is one of the reasons that we end up with 61% of millennials attending college compared to 46% of baby boomers. Employers want educated, dedicated employees. One way to ensure that is to hire college graduates – even if the job they’re doing doesn’t necessarily require a college degree.

Simply put, the barriers to entry are higher. You’re not going to walk into a business, give the manager a firm handshake, tell them all about your high school diploma, and walk out with a job that will support a middle class life.

3. A wedding? May as well buy a college education

Wedding rings

Wedding rings | iStock

“In 1980, the average wedding cost $22,500. In 2010, it was $28,000, a 24% increase.” When the average wedding costs nearly as much as the average millennial’s annually salary, it’s not hard to figure out why so many millennials are putting the ceremony off. Yes, boomers’ weddings were expensive too, but even when accounting for inflation, the price is up 24%. By delaying marriage, and in many cases, buying a house and having children, millennials are clearly trying to get a more sound financial footing.

4. Houses cost three times more

Window in a house

A window in a house | iStock

Ah yes, housing costs. You may have heard about how you used to be able to buy a house with a single person’s blue-collar salary. Those days are gone. Housing prices are up 294%, per Job Application Center’s measures, which means that millennials need three times the cash that their parents and grandparents did. Given that wages have been stagnant for nearly as long, and millennials also have huge student loans to pay back, buying a home is often completely out of the question.

5. Food expenses have grown exponentially

Groceries and food

Groceries and food in a cart | Joe Raedle/Getty Images

Food costs are another expense that has grown exponentially over the years. Just look at this graphic, which even accounts for inflation:


Even though we’re able to produce much more food with much less effort and people, costs are still piling up. And that further eats away at a paycheck, much of which is already dedicated to paying off an education that was needed to get a job. Higher food prices are yet another factor that is making life more difficult for younger generations than it was for previous ones, and there’s no indication that that will change soon.



By Dr. Jeffrey Lant

In the days of Ancient Rome, victorious generals were permitted a Triumph. A Triumph was the greatest honor a conquering hero could get and so lavish and important that for the next few days after it occurred, the general was near to God-like status and treated accordingly.

Of course the powers that be were happy for the victory, but they also knew that any general with an army at his instant command could produce chaos and unwanted political instability. Thus each Triumph had to be carefully planned, measured, and controlled. As part of this process of keeping the Triumphal general in check, a public slave was placed on the chariot of the conqueror; his job was to whisper in his ear these chilling words, “Remember thou art mortal!”. You can imagine that no conqueror ever took kindly to such remarks, but he submitted for his own good and the good of the Republic.

Now, Donald Trump finds himself driving a chariot which is going every which way to the consternation of the people who want good government and a nation they can be proud of. There is no one now in the White House or in Trump’s inner circle to give plain, simple, timely advice to the President. There is no one in his present circle who can simply tell him the God’s honest truth.

This is causing disruptions for the good ship United States because no one is at the rudder. Thus this vessel lists, founders, reverses and veers in muddle and confusion. What can be done? What indeed… Right now advisers dispense information from many directions and for many reasons. These advice givers include Steve Bannon (Chief Strategist), Kellyanne Conway (Counselor to the President), Jared Kushner (Special Adviser to the President and Head of the White House Office of American Innovation), Reince Priebus (White House Chief of Staff), and Ivanka Trump (Special Adviser to the President).
Here is the situation. These people, no matter how bright, no matter how seemingly attached to the President are not and cannot be unvarnished truth tellers of the utmost integrity and discretion. Each of these people is an employee, admittedly at a high level, but no employee no matter how well placed, can ever give the truth, the whole truth and nothing but the truth, It just cannot be done, especially in the White House where the Presidential incense blowing never stops.

That is why previous Presidents have invited well placed individuals, knowledgeable, loyal, without an ax to grind to assist them. These people are appointed to provide the truth as they understand it, keeping the President focused and quash silly ideas of which the Trump Administration has come up with more than its share.

On my first visit to the White House when Jimmy Carter was President, I saw this incense wafting machine at its full speed. I was taken into the Executive Office and went behind the scene where the White House staff was situated. It was like the harem of the Ancient Ottomans where the President can see no evil, speak no evil and do no evil. You were either in this circle, this charmed circle, or you were not. It was very heady stuff indeed. But it is not what is needed now or in any Presidency to keep the President real, not merely the unquestioned sovereign of the hive.

To show you what I mean, I wish to introduce you to Colonel Edward Mandell House (1858- 1938). You may not know of him now, may never have known anything previously about this once powerful American diplomat, politician and adviser to then President Woodrow Wilson (1913-1921).

Colonel House, as he was familiarly known, had a challenging task; he assisted a prickly, self-satisfied, difficult man move from the back waters of New Jersey politics, from author, from President of Princeton University and then thanks to a split in the Republican Party in 1912, President of the United States. He was deft indeed, but Wilson needed the help and at this point in his astonishing career admitted it.

Like so many academics he thought himself superior to everyone; thought that he was sent from God himself to the White House to be His agent and keep those blessings flowing. House played a pivotal role in the 1912 Presidential Election and kept the campaign organization purring by focusing on the big picture, the Presidential picture. Although Woodrow Wilson upon election offered him any Cabinet post (except Secretary of State), House made the calculated decision that he would better serve Wilson and the nation by remaining outside of the formal Ins and Outs of the presidency.

As he saw it, his task was keeping Woodrow Wilson on track, focused on the achievement of his expansive and important agenda. This agenda became even more important when World War I broke out in Europe and President Wilson had to lead a reluctant and skeptical nation. All of a sudden this very sharp tongued, egotistical, academically inclined, bookish President became the most important man on earth; the man who could either refrain from taking the United States to war thereby gambling the future of all of Europe and Western Civilization or chivvy the nation bit by cautious bit to bring the nation into the war.

Of course everyone in the nation, indeed everyone on earth, had an opinion on what President Wilson should do, how he should do it, and to what extent he should do it. Here is where Colonel House fit in.

By now House was not only advising the President as executive agent; the title invented for him. He actually had his own apartment in the White House so he could slip in and out at will without the slightest recognition beyond the President himself. From the time the British passenger liner “Lusitania” was sunk by a German U-Boat (May 7th 1915) drowning 128 Americans, Colonel House was in the very center of all the developments in the fast-developing war. He became Wilson’s private and personal agent on such matters as Wilson’s 14 points, the Treaty of Versailles, and the Covenant of the League of Nations. This was important work indeed, and Colonel House did it in an exemplary fashion which is to say he was honest, discrete, totally dedicated, and loyal to Woodrow Wilson and his agenda.

First of all he was a man of the world. He had traveled widely, had business success, helped elect 4 governors of Texas and advise them. He even wrote a political novel which if not a best seller, certainly presented ideas which he would later present to President Wilson. He also believed strongly in Wilson’s progressive liberal ideas.

House knew when to push and when to hold Wilson back. His job was to ensure Wilson’s best ideas were presented to the public and his less good ideas thrust aside; all without irritating this very temperamental man. Wilson like so many prima donnas, did not want to believe or acknowledge that any one knew more than he did, and he believed he was the most important man in the world. Colonel House held the executive hand, and always always said the appropriate thing for the moment. Just one notable example will go to prove the point and show House’s importance and insight.

Senator Henry Cabot Lodge of Massachusetts was the chairman of the Senate Foreign Relations Committee, in other words the government body which could make or break Wilson’s 14 points and League of Nations. By now Wilson who believed, that he has been sent by God himself to save the world from woe and affliction. He had advised kings and queens, presidents and heads of state and was certain that he knew better than they did. Wilson believed he knew how to craft the new world order, a point of view easy to believe because millions of people worldwide had come to venerate and believe in this man whose name they screamed “Wilson, Wilson, Wilson!”

By this time Colonel House knew if the new world order was to have a League of Nations; a key point of Wilson’s message, many more people beside Wilson himself would have to be involved in the process. It could not be, could never be done by any single man no matter how beloved of the desperate people yearning for freedom, peace, and serenity. But of course by this time Wilson walked on water; he didn’t like Senator Lodge, and he definitely did not want to hear anything from him on this matter or any other matter.

Thus Colonel House, who saw the big picture, advised the President that Senator Lodge must be a part of the American delegation along with other key Republican senators. The President was adamant, no way; no how, don’t even think of it. It was a measure of how petty and out of control Wilson could be and how much he needed discrete, honest, thoughtful, and carefully considered advice. Wilson’s decision to blackball Lodge was the beginning of the end, for Wilson, for the tragic millions in Europe who needed all the help they could get, and for Colonel House himself. It didn’t happen overnight but it happened soon enough.

House had been asked to provide advice, and he had done so. Woodrow Wilson like the Roman generals who traveled with the public slave on their chariot, whispering in their ears, “Remember Thou Art Mortal!” Woodrow Wilson heard it and was irritated by it Thus he went forward to do battle with his own demons, alone, for towards the end of his life, the pressure he had created for himself induced a series of strokes which left this once most important man in the world playing out his last months in a dim room in the White House while his second wife Edith, tried to keep the Wilson Administration from falling apart, a story far too many Americans have never heard about our first woman President.
Perhaps by now she didn’t like House or his unprecedented access to the White House. Many people credited her with easing House out. Perhaps by now Colonel House had had enough; it is after all a difficult feat, to keep a head strong leader, prone to self-glorification on track, on the modest trail where he must admit and work with others.

Now then keeping Colonel House in mind, let us advise The Donald. He desperately needs a friend, a confidante, a detached adviser familiar with the Ins and Outs of Washington DC; whose sole task is to help the President and help America. Such a person doesn’t exist in the White House today. This is why the current administration resembles the Keystone Cops, smart people doing stupid, pointless things in the full glare of today’s modern media, where a small mistake can be magnified in the world media in seconds.

Take a breath now, Mr. President, and admit you need help, help that your leading advisers cannot provide because in the long run you don’t listen to them and only follow your own counsel; this is the greatest calamity of all.

“Remember Thou Art Mortal!”

You are the President of the greatest country in the world. You cannot have a finger in every pie, and you cannot have different advisers running in and out of your office with policy ideas which are contradictory and are all too often ill considered, vague and, dubious.

Consider then your predecessor Woodrow Wilson and his independent executive agent Colonel House. They forged a model which you could use to your advantage.
Remember intelligence is knowing what you don’t know and knowing where to find it; not bluffing your way from crisis to crisis holding the country and the world to ransom and all of us in it.

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Lakewood NJ Online Reputation Digital Marketing Management Services Launched

EarningCoach Marketing LLC, a digital marketing agency based in Lakewood, New Jersey, announced video reputation marketing services for local businesses looking to improve their online presence and connect with potential clients. The company produces and distributes professional video commercials highlighting positive customer feedback.

EarningCoach Marketing LLC, a Lakewood professional digital marketing agency, launched video marketing and online reputation management services for local businesses interested in professional video commercial production, social media marketing and distribution, and reputation management for improved online visibility.

More information can be found at http://ecmvideoproductions.com.

Online marketing has seen a tremendous growth in recent years, as more and more people routinely use online resources to find business information. With surveys showing that more than 90% of all clients have used Google searches or online reviews to find information on products and services, online visibility has become crucial for overall business success.

EarningCoach Marketing LLC is a professional digital solutions company specializing in state-of-the-art video marketing services. The company offers comprehensive video production and distribution services to help local businesses promote their products, services or industry expertise to potential clients across a variety of platforms.

The Lakewood video marketing company has recently announced an update of its video marketing services, offering reputation marketing videos. The company works with the client company in choosing a sample of positive customer feedback and featuring it as part of a compelling short video commercial that is then distributed across a wide range of social media, business review and various other platforms.

„We understand the immense impact positive customer feedback can have on a business’ reputation, and we want to help local businesses leverage state-of-the-art video resources to solidify their reputation”, said Marvin Drobes, founder of EarningCoach Marketing LLC. „Professional video marketing is much more than just video production, so we will optimize our client’s reputation videos and advertise them all around the internet where potential clients are likely to search for them. Essentially, our mission is to connect high-quality local businesses with prospective clients through professional video reputation marketing strategies”.

Interested parties can find more information by visiting the above-mentioned website.

Contact Info:
Name: Marvin Drobes
Email: mdrobes@earningcoachmarketing.com
Organization: EarningCoach Marketing LLC
Address: 1257C Argyll Circle, Lakewood Township, NJ 08701, United States
Phone: +1-201-365-7860

For more information, please visit http://www.ecmvideoproductions.com

Source: PressCable

Release ID: 199318