Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Saturday, March 2, 2013

Don't Let this Be You!


Dan Miller must have read my mind. What perfect timing to read his blog.
As some of you know, I was recently laid-off by the organization I gave nearly 32 years of my life too. I am 56 years-old and between my age, health and spending years in a job that wasn’t advancing my skills towards modern techniques with asset management and purchasing, I basically became a master of nothing.
Rule #1
Never stay in a position that prevents you from growing or expanding your skills.
So as I awoke today, I began thinking about how or what I am actually going to do next. I love blogging, but; it doesn’t pay the bills. A lifetime of accumulating debt isn’t helping matters.

Rule #2
Avoid using credit cards at all costs.
So realistically, where does this leave me? I don’t see myself making the money I made prior to being laid-off. I certainly couldn’t work two jobs that require much physical exertion to make ends meet.
Rule #3
Think outside the box.
I have no desire to go back to cubicle nation, college or stand in-line with everyone else. Been there, done that.
No, it’s time to make a ruckus. Start my own business and see what happens. It’s time to make mistakes, learn and be creative. Some ideas may work, some won’t.
Rule #4
Do something!
When we get hit with a dramatic circumstance we either find a way around the obstacle or let it keep us paralyzed. Creating limitations for ourselves keeps us from moving forward. We become our own worst enemy and ensure our reliance on someone else’s decisions. That’s not the best place to be.
We have been conditioned to seek permission whether it’s through being hired by someone else or dependent on the government.
Rule #5
Don’t let this be you.
So today, I decided to take a new direction and forge my own path, that doesn’t rely on a boss, system or a CEO. The journey begins with me.
I will unveil one of my new businesses soon. In the meantime, I have a lot of work to do. I want to thank Dan Miller for his timely post.

My blog is moving to a new self-hosted site soon and I am looking forward to doing something meaningful that matters!
Until We Meet Again,
 Jim Carver
Author: The Legacy of David A. Wells- The Lexington High School “Band of Gold”
Something Meaningful that Matters!

www.successthroughmusic.com
Disclaimer- Books and links on this website contain affiliate marketing sources between Jim Carver and third party companies. I only recommend products, brands and businesses that I strongly support. Photos used on this site are used courtesy of the original authors and in no way endorse The Rust Belt Chronicles or my work. Thank you.

Sunday, February 3, 2013

Are You Connecting with People?




Two weeks ago, I found myself unemployed. Laid-off, as in job eliminated. Nearly 32 years at the same organization and I was tossed to the curb. The same organization laid-off my wife 6 months ago, after nearly 33 years of service.

It was an interesting month. Our health insurance expired in February and I just learned my knee buckling is actually due to a rare bone disease. What else could go wrong? Oh yea, let’s not forget our debt.
Most people drowning in debt would be stressed out. Panic would be the normal agenda. Granted, the day I was informed of the bad news my head was spinning at times. But the relief to finally have the freedom to develop my own business overshadows debt at the moment.
In a way it seems like a gift. The push to do what I’ve always wanted and the courage do so with no excuse. I knew the moment I was axed- that day would change my life. I’ve been dreaming about being able to work on my own terms for some time.
We have options and we have a plan. Some might work, some won’t. It gives me the chance to do what many would like too, but few do. Many people loose interest after a setback or a few months of attempting a business start-up. I’m the guy who doesn’t quit, once I decide to start.
That’s why I know I will be successful.
 I’ve got the kind advice and friendship from folks at Dan Miller’s 48Days.net and one of the finest financial counselors from Dave Ramsey’s own personal team in Nashville to assist us. With the help of The Good Lord above and the driven passion to succeed- we will be successful.
Fortune has also smiled on my development of new friends. I am amazed at how many of my friends have written books and have their own businesses. These entrepreneurs are quality individuals who are in it for the long-tail, not fly-by-night results. Most importantly, they really do care about their clients, customers and associates.
Through networking, slowly creating a tribe, a guest post and sharing the truth with my readers; I am now seeing a surge in growth. My website traffic nearly doubled in January! I must be doing something meaningful.
 Connecting with people gives us options we never knew existed. By connectiong and building relationships, doors open that previousely were closed. We no longer have to seek permission or wait our turn. The old barriers are crumbling.
Thank you- to my mentors, friends and readers!
Until We Meet Again,
 Jim Carver
Author: The Legacy of David A. Wells- The Lexington High School “Band of Gold”
Something Meaningful that Matters!

www.successthroughmusic.com
Disclaimer- Books and links on this website contain affiliate marketing sources between Jim Carver and third party companies. I only recommend products, brands and businesses that I strongly support. Photos used on this site are used courtesy of the original authors and in no way endorse The Rust Belt Chronicles or my work. Thank you.

Sunday, December 9, 2012

Will Christmas push you over a Fiscal Cliff?


One of the largest problems in our Government is debt. The current rage in our Nation’s capital is focused on debt relief for our country, before we fall off the “fiscal cliff.” With the approaching Christmas holiday, how many shoppers are struggling with personal debt? Our Government has imaged itself after its citizens; mortgaging our future to become slave to the lender.

The notion that somehow we can stay ahead of the impending train wreck is wishful thinking. Memories of 911, the recession and other economic factors should have been a wake-up call for us, but many folks continue to charge and dig themselves deeper in debt.

Sadly, many people are living from paycheck to paycheck, charging repairs, large expenses, trips and Christmas gifts. A risky business in today’s world; just to keep up a tradition at any cost. Unfortunately, we live in a society that justifies spending based on our emotions, and desires. After all, everybody we know does it and we must keep up with the Jones’s.

The only problem is the Jones’s are broke too!

This year my family won’t be purchasing gifts and yes it will be strange; due to our debt and the fact my wife was laid-off in June. So we will get together with family, have a traditional meal and count our blessings.

Jesus is the reason we should be celebrating, not how many gifts or how many cool toys we received. We’ve basically eliminated having to deal with Black Friday, snarling shoppers and traffic jams along with the accompanied stress of purchasing decisions.

Less stress, demand and financial pain sounds like a good plan.

Somehow, after avoiding our own “fiscal cliff” our attitude must change. Borrowing into oblivion is not the solution. Getting out of debt is the only answer. Living a façade to impress others is foolish, stressful and unnecessary.

Just don’t wait for a magic cure from our Government. Moving the cliff only delays the pain. It’s up to you to climb the mountain or scale the cliff.

Living debt free is the only freedom for a stable future.

Until We Meet Again,
 Jim Carver
Author: The Legacy of David A. Wells- The Lexington High School “Band of Gold”
Something Meaningful that Matters!

www.successthroughmusic.com
Disclaimer- Books and links on this website contain affiliate marketing sources between Jim Carver and third party companies. I only recommend products, brands and businesses that I strongly support. Photos used on this site are used courtesy of the original authors and in no way endorse The Rust Belt Chronicles or my work. Thank you.

Wednesday, November 14, 2012

Film Review: I'm Fine, Thanks!



 
Back in early July, I wrote about the Kickstarter project entitled: I’m Fine, Thanks! The film is a documentary by Crank Tank Studios, who travelled the country  interviewing people who created their own success, by not settling for mediocrity. (This is the stuff I love to write about and I can't wait to see this motivating film).


The Film Crew of: I'm Fine, Thanks!
 
The film is now available and it's definitely worth purchasing. Director, Grant Peelle, Producer, Adam Baker and their team travelled throughout the United States for two months interviewing and spending time with people motivated to change their life to live their passions and dreams. Rounding out the team was- John Cropper, the Assistant Editor and Camera 0perator, Bryan Olinger served as the Director of Photography and Dustin Koester handling Sound and Audio.

I’m Fine, Thanks features best-selling authors, bloggers, academics, and common folks tired of being stuck in a cubicle or dangling from a corporate ladder. It’s loaded with dozens of stories relating to the moment people became fed-up attempting to live someone else’s life, keeping up with the Jones’s, realizing money doesn’t buy happiness, the despair of debt and in some cases physically sick from job-related stress. 

Two of the interesting stories were the family living in a converted school bus and an author who lives in a cozy 300-square foot home. The documentary focuses extensively on those who realized the potential to live their childhood dreams and the events leading up to that moment. Lots of minimalistic living and the important role of family are heavily discussed in this superb film.

Director, Grant Peelle narrates the story and he keeps the story flowing with thoughts and emotion. You may recall reading about Adam Baker and his family in Chris Guillebeau’s best-selling book, The Art of Non-Conformity. Adam and his wife sold all of their possessions to relieve their debt and move overseas.

My only negative statement regarding the film is the two “F” Bombs used weren’t necessary and it would have been educational to discover how the families actually completed their steps (“The Forge” bus and cozy 300 sq. Ft. home grabbed my curiosity) to change lifestyles.

Who knows, maybe that could be a follow-up project for Grant and Adam, along with how Kickstarter played a key role by crowd-funding this wonderful documentary?

I’m Fine, Thanks is certainly empowering. The Cinematography and editing by Patrick Moreau of StillMotion is excellent. .

Grant Peelle, Adam Baker and crew are doing what the film recommends-

“Live Your Dream- Not The American Dream.”

I’m Fine, Thanks is a career and life changing work of Art! It’s a call to live your life. This documentary proves that despite location, career, wealth and background anyone can lead a fulfilling meaningful life simply by following their own passion and dreams!

Order your copy of I’m Fine, Thanks- today. You’ll be glad you did!



Until We Meet Again,
 Jim Carver
Author: The Legacy of David A. Wells- The Lexington High School “Band of Gold”
Something Meaningful that Matters!

www.successthroughmusic.com
Disclaimer- Books and links on this website contain affiliate marketing sources between Jim Carver and third party companies. I only recommend products, brands and businesses that I strongly support. Photos used on this site are used courtesy of the original authors and in no way endorse The Rust Belt Chronicles or my work. Thank you.



Wednesday, July 11, 2012

Why I Created - THE RUST BELT CHRONICLES BLOG?


The Rust Belt Chronicles is a result of witnessing, watching and learning the habits of the Industrial Age mindset. The years of going from a boom town to perhaps the new (move over Youngstown, Ohio) - "The Rust Belt Capital of the World" in sunny Mansfield, Ohio has taught me not to accept the rerun of "Ground Hog Day" from the rust belt theater.

The mindset isn't limited to the remaining or former factory employees. Over the years, it has extended itself throughout various institutions, corporations, and businesses rewarding those: that don't question authority, are unable to think for themselves and strive to be a "cog in a wheel" and nothing more!

Except these days, there is no gold watch. Instead you are laid-off, downsized, outsourced, or re-structured. Oh, by the way; all those years of being compliant, following the manual, and accepting mediocrity basically qualifies you for a job in food service.

The Rust Belt Chronicles is also for CEO's, Presidents, Vice Presidents, Senior Management, directors, supervisors, business owners, public relations, marketing, and human resources (?) personnel.

It's not 1959- the old rules of marketing, public relations and employee treatment have changed. The top-down management approach is ineffective and the marketing approach of many businesses is outdated. It's time to change how we manage and do business.

What was once a blessing- is now a curse for many people living in the Rust Belt.

But it doesn't really matter where you live- when it comes to the Industrial Age. We are all in the same wagon train. The American dream has changed profusely.

We sense the frustration in dealing with something you don't understand or was never mentioned at school. That total feeling of futility and not knowing what to do next. Perhaps you're laid-off, jobless, hopeless, tired of being a "cog in the wheel", mentally beat-down, emotionally drained and verbally abused or bullied.

The Rust Belt Chronicles is about:

  1. Evaluating your life and your goals.
  2. Discovering your passion to find the work you love.
  3. Thinking "outside-the-box."
  4. The courage to conquer fear.
  5. Breaking down the barriers in the workplace.
  6. The power of social media marketing.
  7. Eliminating debt, so you can live like no one else.
  8. Starting your own business or becoming an entrepreneur.
  9. Doing something meaningful, that matters.
  10. Ending procrastination and doing it now!
  11. Giving you the personal tools to work with to achieve success.
  12. THE FREEDOM TO LIVE YOUR LIFE TO THE FULLEST.

Whether you are an employee, management or unemployed- we can turn this predicament around. The old days are gone. It's time to move on, recover and change your life.

Please join me by following The Rust Belt Chronicles as together- we will make a difference!

Until We Meet Again,
 Jim Carver Author: The Legacy of David A. Wells- The Lexington High School “Band of Gold”
Something Meaningful that Matters!
www.successthroughmusic.com
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