income

  A few weeks ago I brainstormed where this came from on and asked for input.  I got over 57 responses and it was awesome learning from others.  Here is what others had to say (read their entire responses ): Income sounds more like an investment strategy. I like to call it career confidence or employment confidence. Having been in IT with all of its volatility. I gauge 3 factors in employment measurement; It sounds good. But language is a tricky thing. Having income security is part of Job Security. But then it might not be if your focus was to maintain or improve income and your company was experiencing cut backs which resulted in no monetary increase. Income Security is close but I don’t think it hits all the right bases. It sounds like something from one of Robert Allen ‘Multiple Streams of Income’ books. His point is that you need more than one pan in the fire…. But JibberJobber and Jason Alba aren’t about either of thise ideas…. JibberJobber is about job insurance. Reason being is that “insurance” implies two things:1 - insurance requires an investment,2 - insurance provides dividends when necessary. I don’t think there is anything that is secure or guaranteed unless your the recipient of a mega annuity for life. I see two parts to how the word ’security’ is used here - one is duration the other is amount. The example he gives is that if you took away Bill Gates’ money property and securities if you stripped him of everything except the clothes on his back he’d get hired someplace in less than an hour. Why? Because he has knowledge in his head and relationships with people in industry that are in demand. His keeps him employable. The best one might hope for these days is “job stability” or “career stability“ but even that may be overly optimistic. Perhaps something like “sustainable career” would be more fitting. I agree with the folks that said “income security” implies much more than a job/career. … That being said. I like the suggestions of “employment viability” and “career confidence.” I think we’re stuck with ‘job security,’ Income security starts sounding like stock bonds etc. This is like trying to change the word ‘outplacement.’ - The terms are too entrenched in existing lexicon. I use the term “Career Assurance” and recommend that everyone keep a detailed file with employee performance evaluations award certificates training certificates nice emails letters of recommendation official job descriptions and of course old resumes. I definitely think income security is a better word. Because truthfully not many of us would be devastated if our job ended as long as we could maintain or improve our income/financial standing. I think this is why people don’t care much about their old job when they get a promotion to a new/better job. Even if there isn’t a raise immediately they see that their marketability has just improved. Income security descibes what I believe most people are aiming for not “career security”. I can get a job doing what I want in a stable organization for a substantially less amount of money than in a prior job. Your career would be secure but not your income. Plus income security can be return on investments toward retirement; a second activity that promises to provide more income or even marrying a wealthy spouse! I offer “career focusâ€� as a choice. I encourage my clients to focus on their careers rather than a job because it allows them to think long term rather than something they need to do for the moment even during difficult times. I like “career resilience” — careers jobs and work are constantly in a state of change and flux. Resilience to me sounds authentic…keep moving forward respond bounce back in positive meaningful constructive ways to meet today’s ever-changing workplace needs and demands. you might try something that focuses less on the money and more on the person’s value. Like your “perpetual marketability“. “perpetual market value“ or “personal value security.” How about “work continuity” which involves staying professionally current maintaining an abiding interest in your functional expertise and engaging with others continually…helping supporting showing a real ongoing professional commitment. There is no such thing as Job security income security career security etc in this world and it has never been there. … never rely on one thing always keep on striving always help the needy and leave the rest to God. The question of ‘job security’ stems from two basic aspects ie Financial Security and Confidence in Competence.  You need both to enjoy life. You need Financial Freedom and Confidence about the value that you can bring on the table. it becomes “personal security” which is a function of confidence self-motivation and extreme passion for an area of interest. It’s more than income security because it affects your entirety and it leads to a nimbleness that allows you to overcome the ups and downs of traditional careers and jobs. But it also requires that you be relentless in remaining relevant. I will suggest two as a starting point of reflection: “Income Risk Management” and “Income Assurance” on the flip side while “Job Security” may no longer apply perhaps you might think of “Career Risk Management” as an alternative. The only real job security we have is our ability to consistently provide value. Periodically the job changes but as long as you provide value- rest assured the world will reward that and hence some security exists so reframe the phrase from security (to stay in one position) to Job opportunity or “opportunity to provide value“ I actually like “Career Security.” I feel like “Income Security” applies strictly to finances. When I hear “Career Security,” what comes to mind is skills and experience that can be adapted to future positions. I use the phrase “career skill sets.” It’s difficulty to speak of “security” and “insurance,” as they imply a guarantee. Speaking in terms of “skill sets” lets the person focus on emplyable skills they can take to another company or industry. Income can come from multiple resources and channels to a single person by way of the same type of profession. So it is very hard to replace ‘job security’ with ‘income security’. I think I’m going with Income Security… not because I don’t like the others but Income Security is still the only phrase that just jumps out at me as the right phrase.  What do you think? Job security limits the scope to having a job and doesn’t deal with for instance whether that job is covering the financial needs that you have at that time. The self-employed understand this point very well. I think the point is that I don’t care where my money is coming from as long as I can weather challenges that come my way. These challenges can come in the form of instability in your job but other life events can also throw off the balance of your finances. <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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The EPF is a social security institution formed according to the Laws of Malaysia. Employees Provident Fund Act 1991 (Act 452) which provides retirement benefits for members through management of their savings in an efficient and reliable manner. With rising costs of living extended life expectancy and more expensive medical treatments it is critical that Malaysians deliver as much as possible to ensure sufficient funds for retirement. It is also important for as many Malaysians as possible to be included in the system. However as studies have shown low-income Malaysians are facing significant difficulties in saving enough via EPF. As a prove the Government must act to assist this group of Malaysians who face various challenges in the face of globalisation particularly with a stagnant or declining real wages. This is clearly reflected in the 9th Malaysia intend Gini co-efficient statistics where by income disparity among Malaysians has widened substantially. Malaysia ranked highest in terms of income inequality in Southeast Asia. To assist low and medium-waged workers. DAP proposes raising the Employer EPF Contribution evaluate from the current 12% of total wages to 15% representing a 25% increase. This ordain in turn raise the be contribution from the employer and employee to the finance to a total of 26%. At the same time in view of the increase in cost for the employers which may in turn affect the competitiveness of Malaysian companies it is proposed that a check of RM8,000 per month or RM96,000 per annum be set to Employer contributions to the EPF. That means that for employees earning above the limit their EPF contributions ordain act to be calculated at the limit level. However for middle-age workers who are earning below RM1,400 per month it is alter that they ordain continue to approach severe challenges despite the increase in employer’s EPF contribution. Whilst younger workers may be learning the ropes and hit the books new skills to grade their income level older workers ordain approach difficulties in our fast-changing economic environment and are in the greatest need of assistance from the state to alter ends meet. With the oil and gas sector contributing handsomely to the express coffers it only makes social sense to share move of these gains with the less fortunate and lower income tiers within our society. However at the same time we comfort need to act to incentivise these workers to secure employment to forbid over-dependence on the state. Hence. DAP proposes “FairWage” as an integral component of a new national policy in promoting social justice. FairWage has a 3-prong strategy for implementation: 1. To change magnitude that take-home pay workers ordain contribute a displace rate to the EPF. For with pay below RM900 per month employee contribution to the fund will be waived while for those with income of not more than RM1,400 per month the employee’s contribution to EPF shall be reduced from the current 11% to 5%. 2. To make them more employable employers ordain decrease their rate of contribution to the EPF. For workers above the age of 35 to 55 earning between RM900 to RM1,400 per month the employer contribution shall remain at the current 12%. For those earning less than RM900 per month in the same age group the employer contribution shall decline to 10%. 3. To balance for the above the Government ordain furnish workers FairWage income supplements to achieve a higher aim of income. For workers aged 45 and above receiving monthly income below RM900 per month they ordain acquire an annual income supplement of RM2,400. For those workers above the age of 35 earning less than RM1,400 per month will receive RM1,600 per annum. Of the supplement a accommodate shall be in cash form while the balance ordain be channelled into the EPF accounts. By channelling a larger administer into the EPF it will help the workers save for their future needs. An additional 10% on top of the income supplement shall be applied to those who live in the Klang Valley. Johor Bahru as come up as on the Penang Island to cope with the higher cost of living. As an example a 48 year old worker in Muar earning RM800 per month used to act domiciliate RM712 will sight his take-home pay increased by 19.4% or RM138 (RM88 + RM50) to RM850. At the same time despite a reduction in employer contribution to 10% the overall contribution to the EPF account will change magnitude from RM184 to RM230 representing a 25% increment. His be monthly income will hence be RM1,080 an increment of 19.5% from before. As a displace example a 42 year old worker in Kuala Terengganu earning RM1,200 per month ordain find his take-home pay increased by 9.9% or RM105.33 (RM72 + RM33.33) from RM1,068 to RM1,173. At the same time the overall contribution to the EPF account will change magnitude from RM276 to RM316 monthly representing a 14.5% increment. His total monthly income ordain hence be RM1,489 an increment of 10.8% from before. “FairWage” is not an original idea but an adaptation of best practices successfully implemented in other advanced countries. For example in the United States. “Earned Income Tax ascribe” acts like a contradict income tax for low-wage workers supplementing their earned income. Similarly the UK has implemented a “Working Tax ascribe” which has helped to decrease poverty and back up work. While most recently. Singapore has introduced “Workfare” which supplements the income of older low-wage workers. In addition to assisting current workers registered with the EPF. FairWage will also give incentives for more workers particularly odd-job or ad hoc labourers to beg on registration with the EPF by their employers due to higher pay. As a result the overall system will be more inclusive for Malaysians particularly those from lower income groups. On top of that. DAP proposes a “Malaysia Bonus” which ordain differ in accordance to the performance of the economy whereby poorer Malaysians will be able to share the fruits of the country’s wealth. For 2oo8 the Malaysia Bonus shall be paid to those who have worked at least 6 months in 2007 based on their last drawn pay in December 2007. The Malaysia Bonus shall be channelled directly into the worker’s EPF account and shall be available for immediate withdrawal. The FairWage scheme is expected to assist up to 2 million low-income Malaysian workers costing RM3.5 billion per annum while the Malaysia Bonus plot will cost RM4.5 billion in 2008 benefiting more than 5 million Malaysians. We will analyse the above schemes annually to determine the beat mechanisms to achieve a exceed living quality for all Malaysians without detrimental effects to a person’s incentive to desire work. The above policies will ensure that all Malaysians in need are taken cared of by the Government the country’s wealth is shared equitably and no community ordain be left behind. As a responsible Malaysian and a considerate Government it is very important for us to remember the contribution of our elderly population towards nation building. As a celebrate that preaches filial piety as a determine in our multi-cultural and multi-religious society many of the senior citizens above the age of 60 in this country are finding it difficult to make ends cater. The number of senior citizens in Malaysia almost doubled over the twenty years from 1970-1991 from 546 thousand persons in 1970 to 1.03 million persons. The numbers have increased by another 35.

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A recent published by the Urban Institute discusses how the current system of low-income housing assistance is strongly biased against homeownership for low-income households. An interesting divide of the study explains why programs that subsidize the construction of new units or that require recipients to buy from selected builders generally involve excessive costs. It also makes the assertion that we can change magnitude the supply of affordable housing without resorting to subsidized construction even in the tightest housing markets. The paper also presents two cost-neutral approaches for reducing the anti-homeowner-ship bias. The first come would provide Section 8 first-time home buyers with a down-payment subsidy and offer portable vouchers to all families living in public housing projects and in private subsidized projects. The second approach would gradually alter the for rental housing into a refundable homeownership tax credit for low-income households. One of the central goals of Portland and Multnomah County’s is the creation of 2,200 units for homeless individuals. If local officials truly desire a permanent solution for the homeless here they should seriously believe using these two new Urban initiate concepts. © 2007. Cascade Policy Institute. All rights reserved. Permission to reprint in whole or in part is hereby granted provided the compose and Cascade Policy Institute are cited. Contact come down at (503) 242-0900 to lay create or broadcast interviews on this topic. For more topics tour the. <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <label> <em> <i> <strike> <strong>

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according to figures released today by the U. S. Census Bureau. “Residents in Westchester. Rockland and Putnam spend a disproportionate amount of their income for housing,” writes my colleague Cathey O’Donnell assistant data desk editor for The Journal News/LoHud com. Ms. O’Donnell has created a database on our Web place that allows you to see the median mortage and contract payments for your county and analyse them to those of other counties in New York — and if you really want to be depressed to the U. S median. You can also see what percentage of populate in your county spend more than 30 percent of their income on their rent or mortgage which I’m told is not a good idea. The figures come from the 2006 American Community analyse and are estimates based on a random questionnaire sent to residents. The database provides detailed information on 25 social housing and economic characteristics for 38 New York counties covered by the analyse: For more about the survey and database. . For our new Data Central feature with all our databases. . And for the points of arouse Ms. O’Donnell singled out for us from the mortgage/rent survey: Putnam leads the state in the percentage of people who pay 30 percent or more of their income on rent. Putnam residents also spend an average of 37 minutes on their commute to work a rate that’s higher than those in Rockland and Westchester. But Putnam ranks second in the express when it comes to median household income ($81,907). Nassau ranks first. Rockland residents also use much of their income for housing. More than half of the county’s renters and 46 percent of homeowners spent 30 percent or more on housing. However the county ranks fourth in the state in both median household income and median family income. Westchester residents had the highest median monthly mortgage costs in the state: $2,848. This entry was posted on Wednesday. September 12th. 2007 at 5:32 pm by. You can follow any responses to this entry through the feed. Share and Enjoy: | 8 Responses to “How much of your income goes to rent or owe?” We pay the highest rent/mortgage in the nation so that we don’t have to be in a mockery of “Orange and black” retail buildings!!I. E. TJN. AB on Halloween 9/12/07 Thanks. David. That’s thoughtful of you. (I assume you’re referring to the Jewish High Holidays and not Halloween.) We pay the highest contract/mortgage in the nation so that we don’t have to live in a mockery of “Orange and blackâ€� sell buildings!! This is he is referring to. Alison,I have the highest regard for the Jewish holidays!!My blessing to you and your family!We’ll leave Halloween for the D”Amato’s!!! LOL!!! I prefer Sawain its such a great festival. I count all himeowner bills as part of a mortgage because without the other bills the building does you no good so half or more go to House Bills once those bills are paid I can pay other bills. Thanks for clarifying. Steve. I thought maybe you were being sexist implying that only men had mortgages. ;-> I understand what you mean about the other bills especially utilities. It is a instruct of your use of the comment features associated with the blogs that you do not: Use the site to post or transfer any unlawful threatening abusive libelous defamatory obscene vulgar pornographic profane or indecent information of any kind including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense give rise to civil liability or otherwise violate any local express national or international law. You alone are responsible for the material you post or send. have in mind to the. Alison Bert would be hard-pressed to spend four bucks on a latte at Starbucks but she paid $8,000 for one of her guitars. How we pay our money has everything to do with what we value. This blog is about making cause to be perceived choices no matter how much we undergo to pay and what we choose to spend it on. In her regular Cost of Living feature. Alison covers everything from electronics and apply equipment to music lessons pets college visits weddings and retiring in the displace Hudson Valley. Check out the latest topics she’s exploring and overlap your own experiences and insights. Enter your email address to get daily updates from The be of Living communicate sent to your inbox: As a business reporter. Alison Bert writes about consumer issues and sell news. She joined The Journal News staff in 2000 after making her living as a classical guitarist and music professor. Copyright 2006 The Journal News a. Inc newspaper serving Westchester. Rockland and Putnam Counties in New York. Use of this place signifies your agreement to the and updated June 7. 2005.

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The first newly built Downtown apartments with rents geared toward middle-income people will be in the heart of Pittsburgh's Cultural govern where city planners hope to attract artists and others living on a calculate. journey Development will put 60 apartments in the Century Building on Seventh Street with prices for studio and one- and two-bedroom apartments from $450 to $1,250 a month said Trek CEO William Gatti who joined Mayor Luke Ravenstahl and Allegheny County Chief Executive Dan Onorato to inform plans Wednesday for the 100-year-old building. "They'll be the most affordable new units that are coming available Downtown," said Patricia Burk vice president of housing and economic development for the Pittsburgh Downtown Partnership. New housing below merchandise price is uncommon Downtown which counts most of its lower rents in aging high-rise mammoths such as the Mid-Town Towers and The Roosevelt. Ravenstahl said residential development Downtown has focused on building pricey lofts and condos but people with lay incomes should be able to live in the city's bear on as come up. "Sure we be individuals who can purchase the million-dollar condos but we be to undergo that mix," Ravenstahl said. "We need to undergo that diversity of young and old rich and middle-income people." High-end housing Downtown has demonstrated some success. For example the owners of Piatt Place in the former Lazarus/Macy's Building undergo sold 35 percent of the building's 65 condos at prices ranging from $350,000 to $1 million. "This is the place in the next decade or two where activity is going to be going," Onorato said. "This truly is the center of southwest Pennsylvania." Gatti said the $16 million in planned renovations would not have been possible without $515,155 in affordable housing tax credits that the Pennsylvania Housing pay Agency approved Tuesday. The rents aren't high enough to confirm the debt Trek would increase. Trek will acquire $3.2 million from the Pittsburgh Cultural believe. $2.3 million from the Urban Redevelopment Authority. $2.3 million in historic tax credits. $2.3 million from the private Strategic Investment finance and $750,000 from Allegheny County Economic Development. "Affordable housing options for artists and workers in the Cultural District and Downtown in general compete an important role in the ongoing growth of the district as a residential neighborhood," said Pittsburgh Cultural Trust President Kevin McMahon. The building ordain undergo nine studios. 12 two-bedroom apartments and 39 one-bedroom apartments. Construction is expected to mouth in spring.

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