Tag Archives: financial planning

Jobs disappearing. Is yours?

Have you noticed how the world is changing? Well, duhh, you might say, but I am referring to job opportunities. If you are fortunate enough to live in an area where the unemployment rate is low, good for you! Even so, you may not have thought about the jobs that are being phased out, being replaced by technology. It troubles me that people think it is a wonderful and quick convenience, and although that is true it also is taking away jobs that real people do – or used to do. 

I found this interesting article on Yahoo.com called Top 10 dead-end jobs on their way to extinction. From it I excerpted a couple of lists for you to see, but do go to the actual article and check out what else it says.

The 10 jobs that won’t exist in 10 years include:

  • Social Media Expert
  • Taxi Dispatcher
  • Toll Booth Operator
  • Retail Cashier
  • Word Processor / Typist
  • Switchboard Operator
  • Photo Finisher
  • Postal Worker
  • Video Store Clerk
  • Print Journalist

5 fast-declining careers

  • People Greeter
  • Photo Laboratory Associate
  • Head Cashier
  • Data Entry Clerk
  • Courier

Of course, with the decline of some jobs there is the rise of others.

5 fast-growing careers

  • Financial Advisor
  • Representative Financial Service
  • Field Sales Representative
  • Sales Associate
  • Social Worker

empty pockets

I also am concerned about people, especially young people, who have no understanding or preparation in place for retirement. It is never too early to start putting money away for that because the way the economy is going with prices going higher and higher, who is going to be able to live without something in place? And NO, the government will not be able to carry us. Even if there is an Old Age pension in place for you it will be such a small amount that if you are counting on that to live on you will find yourself under the poverty line, with barely enough to cover anything. Seriously, go see a financial advisor and check out what I’m saying.

Okay, that’s my rant for today!

Have you found your job being phased out? Is your job on the list? Do you feel okay about your financial future?

PS. If you are a writer, can you live off your earnings from writing, or will it provide enough of a supplement for you to live comfortably or even help pay the bills?

Thanks for reading, and … Creative Musings!  🙂

 

Book Review: Dollars & Uncommon Sense: Basic training for your money – by Steve Repak, CFP

Book: Dollars & Uncommon Sense: Basic training for your money
Author: Steve Repak, CFP
Publisher: RFS Publishing
Date: January 2, 2012
Genre: Non-Fiction; Personal Finance
Pages: 166; paperback
Price: $14.95
My Rating: Excellent for anyone wanting to get out of debt and have enough to live on now and in retirement.

 

I received this book from Library Thing in exchange for an honest review.

I am so glad I was given the opportunity to read this book! With clarity and ordinary language, Steve Repak shares from experience how to get out of debt, how to save money and still have enough to live on, and how to prepare for a financially secure retirement – starting now.

In Dollars and Uncommon Sense you will find sound information and advice. The author, who is now a successful financial adviser, came out of the army with over $32,000 in credit card debt. He struggled to break free of that and eventually figured out how to efficiently pay it all off and still get ahead. In his well-written book – which is as easy to read as it would be to sit down and talk with him – he tells it how it is while helping the reader set up a plan for wise financial transformation. At the end of each chapter is a summary of the main points.

Part 1: Basic Training

Chapter 1 – Change the Way You Think

Chapter 2 – Build Your Foundations

Part 2: Spending

Chapter 3 – Principle: If You Spend Less, You Will Have More

Chapter 4 – Priorities: Give, Pay Yourself, Pay Everybody Else

Chapter 5 – Plan: A Plan for Your Paycheck

Part 3: Debt

Chapter 6 – Principle: Debt Puts Your Financial Health at Risk

Chapter 7 – Priorities: Quit Charging and Start Saving

Chapter 8 – Plan: Uncommon Sense Steps for Getting out of Debt

Part 4: Saving and Investing

Chapter 9 – Principle: It Doesn’t Take a Million to Make a Million

Chapter 10 – Priorities: “Life Happens,” Then “I Quit!”

Chapter 11 – Plan: Invest in Your Future

At the end, Steve Repak has a section called Useful Websites, a Glossary of the words perhaps hard to understand, and Worksheets that can also be downloaded from his own website. He seems to have made every attempt in this book to help the reader understand how debt can be handled, and how to live with adequate funds while also saving for  enough to live on comfortably in retirement.

It is never too late to apply his methods. For anyone too young to even be considering retirement, this is the very time to begin the plan! You won’t regret it.

Dollars & Uncommon Sense: Basic Training for Your Money is not a book to read, say “that was helpful,” and lay aside. This is a book with a step-by-step strategy to live free of the burden of debt and the worry of ‘will I have enough to live on?’ I urge you to “take the steps necessary to change your financial future.”

You can find Dollars & Uncommon Sense: Basic Training for Your Money listed on my BUY THE BOOK! page.

Thanks for reading, and … Creative Musings! 🙂